About XelPay
XelPay is an enterprise-grade payment automation infrastructure built for high-growth businesses and digital commerce in Bangladesh and beyond.
Our Mission
We exist to dismantle the friction between merchants and their revenue. XelPay bridges personal MFS accounts — bKash, Nagad, Rocket — with professional business-grade automation, enabling any merchant to collect, verify, and reconcile payments at scale without relying on third-party custodians.
What We Do
XelPay delivers real-time payment verification by connecting directly to your personal, agent, or merchant MFS accounts. Every incoming transaction is matched, verified, and webhook-dispatched within milliseconds. Funds settle directly into your account — XelPay never touches your money.
Our Technology
Our platform is built on a distributed, fault-tolerant architecture with zero single points of failure. We run AES-256 encryption at rest, TLS 1.3 in transit, and HMAC-SHA256 signed webhook payloads so every integration is cryptographically verifiable end-to-end.
Our Vision
We are building the most reliable and compliant payment infrastructure for emerging markets — starting with Bangladesh and expanding to Southeast Asia. Our roadmap includes native Stripe, PayPal, and cryptocurrency gateway support, full B2B invoicing, and enterprise white-label deployments.
Compliance & Trust
XelPay operates in accordance with Bangladesh Bank guidelines and is committed to AML/KYC-compliant merchant onboarding. Our infrastructure is audited regularly and all sensitive operations are logged with immutable audit trails.