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FAQ

Frequently asked questions about Moneybag payment integration

Frequently Asked Questions

Find answers to common questions about integrating and using Moneybag payment gateway.

General Questions

What is Moneybag?

Moneybag is a comprehensive payment gateway solution for businesses in Bangladesh, enabling secure online payment processing through multiple payment methods including cards, mobile banking, and bank transfers.

What payment methods does Moneybag support?

Moneybag supports:

  • Visa/Mastercard credit and debit cards
  • Mobile banking (bKash, Nagad, Rocket)
  • Internet banking
  • Bank transfers

What currencies are supported?

Currently, Moneybag primarily supports BDT (Bangladeshi Taka). Contact support for multi-currency requirements.

Getting Started

How do I get started with Moneybag?

  1. Sign up for a sandbox account at https://moneybag.com.bd/sandbox/
  2. Get your API credentials via email
  3. Test your integration in the sandbox environment
  4. Apply for a production account when ready

What's the difference between sandbox and production?

  • Sandbox: Test environment with simulated transactions, no real money involved
  • Production: Live environment processing real payments
  • API endpoints differ: sandbox.api.moneybag.com.bd vs api.moneybag.com.bd

How long does account approval take?

  • Sandbox accounts are instant
  • Production accounts typically take 2-3 business days after document verification

Technical Integration

Do I need HTTPS for integration?

Yes, HTTPS is mandatory for production integrations. HTTP is only allowed in sandbox for local testing.

What programming languages are supported?

We provide official SDKs for:

  • PHP
  • Node.js
  • Python
  • Java
  • .NET
  • Go
  • Ruby

You can also integrate using direct API calls with any language that supports HTTP requests.

How do I handle payment notifications?

Moneybag uses webhooks to notify your server about payment events. Configure your webhook URL in the dashboard and implement signature verification for security.

What is the API rate limit?

  • Sandbox: 100 requests per minute
  • Production: 1000 requests per minute (higher limits available on request)

Security

How do I keep my API keys secure?

  • Never expose API keys in client-side code
  • Store keys in environment variables
  • Use server-side code for all API calls
  • Rotate keys regularly
  • Use different keys for sandbox and production

Is PCI compliance required?

If you're using our hosted checkout, PCI compliance requirements are minimal. Direct card integration requires PCI DSS compliance.

How do I verify webhook signatures?

Each webhook includes a signature header. Verify it using HMAC-SHA256 with your webhook secret key. See our webhooks documentation for implementation details.

Payments & Transactions

What are the transaction limits?

  • Minimum: 10 BDT
  • Maximum: 500,000 BDT per transaction
  • Daily limits vary by merchant category

How long do payments take to process?

  • Card payments: Instant
  • Mobile banking: 1-2 minutes
  • Bank transfers: 1-24 hours

When do I receive settlements?

Standard settlement is T+2 (two business days). Express settlement options are available.

Can I process refunds?

Yes, refunds can be processed via API or dashboard. Partial refunds are supported. Refund timeline depends on the payment method.

Testing

What test cards can I use?

In sandbox environment:

  • Success: 4111 1111 1111 1111
  • Decline: 4000 0000 0000 0002
  • 3D Secure: 4000 0000 0000 3220

How do I test mobile banking payments?

Use these test numbers in sandbox:

  • bKash: 01700000001
  • Nagad: 01700000002
  • Rocket: 01700000003

How do I simulate different payment scenarios?

Use specific amounts to trigger different responses:

  • 100.00: Success
  • 200.00: Insufficient funds
  • 300.00: Card declined
  • 400.00: Network error

Troubleshooting

My API calls are failing with 401 error

  • Verify your API key is correct
  • Check you're using the right environment (sandbox vs production)
  • Ensure the API key header name is X-Merchant-API-Key

Webhooks are not being received

  • Verify your webhook URL is publicly accessible
  • Check your server logs for incoming requests
  • Ensure your webhook endpoint returns 200 status
  • Test with webhook testing tools

Payment page is not loading

  • Check browser console for JavaScript errors
  • Verify your domain is whitelisted in dashboard
  • Ensure all required parameters are being passed

Support & Resources

How do I get technical support?

Where can I find the API changelog?

Visit our Changelog page for API updates and version history.

Is there a community forum?

Currently, support is provided via email. We're working on launching a developer community forum.

Can I get a dedicated account manager?

Enterprise accounts include dedicated support. Contact sales@moneybag.com.bd for details.

Business & Pricing

What are the transaction fees?

Fee structure varies by:

  • Payment method
  • Transaction volume
  • Business category

Contact sales for detailed pricing.

Are there setup or monthly fees?

  • No setup fees for standard accounts
  • No monthly maintenance fees
  • Enterprise features may have additional costs

Can I use Moneybag for international payments?

Currently focused on Bangladesh market. International payment support is on our roadmap.

What documents are needed for production account?

  • Business registration/trade license
  • NID/Passport of authorized signatory
  • Bank account details
  • Website/app information

Still have questions?

Can't find what you're looking for? Contact our support team at support@moneybag.com.bd or check our Troubleshooting Guide.

Mobile App Integration

Complete guide for integrating Moneybag payments into mobile applications

Support

Get help with Moneybag integration and services