Questions, answered.

iPay is a fintech app, licensed as a Payment Service Provider (PSP) by Bangladesh Bank. The purpose of the app is to keep society cashless, make life convenient, and avoid theft.

• Money transfer (add, withdraw, send and request money)
• Physical and online store payments with QR code
• Mobile top-up and recharge
• Utility, ISP, and credit card bill payments

• Users with a valid NID and bank account
• Users with a mobile number or email address
• Anyone above the age of 18

Follow the steps below to download iPay.

1. Open Google Play Store or the App Store
2. Search for “iPay-Bangladesh”
3. Tap Install

Registering with iPay is easy. You can sign up using your mobile number from either the website or the app.

To sign up

1. Fill in general information and set a password.
2. Enter the OTP code sent to your phone and continue.
3. Upload a clear photo of yourself (max 3 MB; JPG or PNG).
4. Upload a copy of your NID (max 3 MB; JPG or PNG).
5. Fill in basic information.
6. Source of fund: provide details of the personal bank account you want to link with iPay.
7. Verify: a small amount will be sent to your linked bank account.
8. Enter the amount received to verify your iPay account.

Personal account

• Profile picture — clear photo where your face is identifiable
• Basic information — full name, date of birth, occupation
• Family information — parents' names
• Address — present and permanent
• Identification document — scanned copy of NID
• Introducer — at least 2 verified iPay users who know you
• Source of fund — accurate personal banking details

Business account

Business members need to complete the following sections to be verified.

• Profile picture — clear image where the logo is identifiable
• Business information — business name, type, mobile number
• Business contact — name, DOB, occupation, organisation
• Business address — registered address of the business
• Contact address — address of the business contact person

Identification documents

• Trade licence
• Business TIN
• Merchant Acquisition Form
• NID, passport, or driving licence

Introducer

Business accounts are introduced by the iPay Merchant Acquisition team and a Merchant team lead.

Source of fund

Submit a completed Bank Consent Form.

iPay supports two types of account.

Personal account

For personal transactions like sending or requesting money to friends and family, mobile top-up, and bill payment.

Business account

Keep your business transactions organised — payments, invoices, and other financial activities in one place.

1. Download the app.
2. Tap “Sign Up”.
3. Fill in general information and set a password.
4. Enter the OTP code sent to your phone.
5. Upload a clear photo of yourself (max 3 MB; JPG or PNG).
6. Upload a copy of your NID (max 3 MB; JPG or PNG).
7. Fill in basic information such as name and address.
8. Source of fund — provide details of the personal bank account you want to link with iPay.
9. Verify — a small amount is sent to your linked bank account after 3–5 business days.
10. Enter the amount received to verify your iPay personal account.

1. Go to ipay.com.bd and select “Sign Up for Business Account”.
2. Fill in general information (including business type and designation) and set a password.
3. Enter the OTP code sent to your phone and tap Continue.
4. Upload a clear photo (max 3 MB; JPG or PNG).
5. Upload your NID, Business TIN certificate, Trade Licence, VAT registration, and business logo (max 3 MB each; JPG or PNG).
6. Fill in basic information such as name and address.
7. Source of fund — provide details of the business bank account you want to link with iPay.
8. Verify — a small amount is sent to your linked bank account after 3–5 business days.
9. Enter the amount received to verify your iPay business account.

Business members can request payment from clients through iPay only if those clients also have an iPay account.

No. You cannot change your account type once it has been created.

No. You need a separate mobile number for every account you create on iPay.

No. You need a separate National ID Card for every account you create on iPay.

1. Tap the left panel.
2. Tap “Source of Fund”.
3. Tap “Link Bank”.
4. Tap the plus icon (+) at the bottom right.
5. Fill in name and bank details such as account number and branch.
6. Tap “Submit”.
7. Tap “I Agree”.
8. A token amount will be sent to your bank account for verification.
9. Once you receive the token, tap the bank logo, select Verify, and enter the amount.

Banks usually take 3–5 business days to process money added from a bank account or credit card.

Through a Lanka Bangla credit card, money is added instantly.

1. Tap the left panel of the app screen.
2. Scroll down to “Log Out” and tap.

2FA (two-factor authentication) adds an extra layer of security to your account. It is required for performing transactional services.

The PIN is a 4-digit number required before any iPay transaction to keep your account secure.

1. Tap “Security” in the left panel of the app.
2. Tap “Set Pin”.
3. Enter a 4-digit number.
4. Enter your current account password.

App

1. Tap “Security” from the left panel.
2. Tap “Change Password”.
3. Fill in current password, new password, and confirm.
4. Tap “Save”.

Adding a Trusted Contact for password recovery adds another layer of security to your iPay account.

You can either change your password and start anew, or use the password recovery process.

Password recovery

1. Tap “Security” from the left panel.
2. Tap “Password Recovery”.
3. Tap “Security Questions”.
4. Fill in 3 questions and answers and enter your current password.
5. Tap “Save”.

If you cannot recall the information needed to retrieve your password, email support@ipay.com.bd or chat with our support team. They will send a password reset link to your primary email address — click it to reset your password.

When you log in from your regular device and browser:

1. Look for the “Remember Browser” reminder at the top of the page.
2. Click “Save” on the far right to add the device to your trusted list.

1. Click your profile picture icon at the top right of the login page.
2. Open the menu and click “Account & Settings”.
3. Click “Security” in the left panel.
4. Click the red delete button under “Trusted Devices”.
5. Review the device or browser detail and click “Confirm”.

You can pay your bills directly from your iPay balance.

1. Tap “Make Payment” from the app feature list.
2. Under Bill Pay, tap the logo of your billing company.
3. Fill in details such as card number and amount.
4. Enter your iPay PIN.
5. Your payment is processed.

1. Tap “Make Payment” from the app feature list.
2. Tap the merchant outlet from the list, or type the name with branch number.
3. Enter your iPay PIN.
4. Your payment is processed.

1. Tap “Scan to Pay”.
2. Align the merchant's QR code within the phone frame.
3. Enter the amount and your iPay PIN.
4. Your payment is successful.

1. Tap “Request Money”.
2. Enter the name or phone number of the contact.
3. Enter the amount you want to request.
4. Tap “Continue”.
5. Write a short note.
6. Tap “Continue”. Your request is sent.

1. Tap “Send Money”.
2. Select a contact or enter the mobile number.
3. Enter the amount.
4. Tap “Continue”.
5. Enter your iPay PIN and an optional short note.
6. Tap “Continue”.

1. Tap “Add Money”.
2. Tap “Bank”.
3. Your bank logo and account information will appear.
4. Tap your bank account.
5. Enter the amount you want to add.
6. Tap “Continue”.
7. Enter your iPay PIN and tap “Continue”.
8. You will receive the amount within 3–5 business days.

To add money, first link and verify a bank account on your iPay profile.

1. Tap “Add Money”.
2. Tap “Debit/Credit Card” or “Bank”.

Debit / Credit Card

• Enter the amount — service charge of 2.5% for Visa/Mastercard, 3.5% on Amex.
• Tap “Agree to Proceed”.
• Enter a short note. Money is added instantly.

Bank

• Your bank logo and account information will appear.
• Tap your bank account.
• Enter the amount you want to add.
• Tap “Continue”.
• Enter your iPay PIN and tap “Continue”.
• You will receive the amount within 3–5 business days.

Withdraw Money lets you transfer your iPay balance back to your bank.

1. Tap “Withdraw Money”.
2. Tap the bank logo with the account number.
3. Enter the amount.
4. Tap “Continue”.
5. Enter your iPay PIN and an optional short note.
6. Tap “Continue”.

You can transfer money any time, but only to a verified bank account.

Refresh the app or page and restart the process. You can also contact iPay customer care at 16542 or +880 9638 900801, create a support ticket, or email support@ipay.com.bd.

1. Tap “Mobile Top-Up” from the iPay main interface.
2. Select the network operator.
3. Type the phone number, or pick a contact from your phone log.
4. Select Prepaid or Postpaid plan.
5. Insert the recharge amount.
6. Enter your iPay PIN.

1. Tap “Transactions” at the bottom of the app.
2. A list of all your transactions will appear.

1. Tap “Pending” at the top right of the Transactions section.
2. You will see a list of all pending payments.

No. Once a transaction is processing or processed, it cannot be cancelled.

App

There are two ways to edit basic info on the app.

1. Tap your profile picture at the top right of the app.
2. Tap “Basic Information”.
3. Fill in name, DOB, occupation, and gender.
4. Tap “Save”.

Or:

1. Tap “Account” from the left panel.
2. Tap “Basic Information”.
3. Fill in name, DOB, occupation, and gender.
4. Tap “Save”.

Website

After logging in to your iPay account:

1. Click your profile picture at the far top right.
2. Click “Account & Settings”.
3. Click “Edit” and fill in details.
4. Click “Update”.

You cannot change your profile picture once your account is verified. If your account is not yet verified, click your profile picture and edit it.

You cannot delete your profile picture once your account is verified.

Your profile is verified by iPay only when correct details are provided. The process takes 3–5 business days.

1. Tap the “Contacts” icon at the right of the bottom panel.
2. Scroll the list to find your contact.
3. Or type a name or number to search.

Website

1. Click “Contacts” from the login homepage.
2. Click “Add Contact” at the top right.
3. A pop-up window will appear.
4. Type the contact name, phone number, and your relation.
5. Click “Save Contact”.

Android app

1. Tap “Contacts”.
2. Tap the “Add Contact” icon at the bottom right.
3. Fill in name, mobile number, and relationship.

The person is added to your iPay contacts list immediately.

1. Tap the “Contacts” icon at the right of the bottom panel.
2. Tap “All” at the top far right.
3. Tap “Invite to iPay” next to a contact.

An introducer is a verified iPay member who knows you in person and verifies you as an authentic iPay user.

1. Tap “Contacts” from the app bottom panel.
2. Tap “Ask Introduction” next to the contact's name.

Verify people you know personally and who you are confident will not engage in fraudulent activity.

There is no issue if you don't know any existing iPay users. There are several ways to find an introducer.

• Add your phone contacts to iPay and check whether anyone is already an iPay user.
• Sync your phone contact list with the app to see if any of them have a verified iPay account.

1. Tap the “Contacts” icon at the right of the bottom panel.
2. Press and hold on the contact you want to remove.
3. A “Delete contact” dialog will appear.
4. Tap “Yes”.

The notification bell icon is on the left of your profile picture on the main interface of the app.

1. On the notification list, press and hold the notification panel.
2. Tap “Yes” when prompted “Do you want to delete this notification permanently?”.

Restart the process and complete it by entering your iPay PIN. If it still fails, contact iPay customer care at 16542 or +880 9638 900801, or email support@ipay.com.bd.

Contact iPay customer care at 16542 or +880 9638 900801, or email support@ipay.com.bd.

Inform iPay immediately if you have a dispute. Our team will address your concern right away.

You can reach us by:

• Calling 16542 or +880 9638 900801
• Emailing support@ipay.com.bd with the subject line “Initial Dispute Notification”