A payment gateway that runs your wallet accounts on autopilot
Pay2Capital is a payment gateway in its own right — and for B2B platforms we also run the agent automation layer. Send one request with your Agent ID and we route every pay-in and payout across your connected wallet channels, checking balance and per-transaction limits, with automatic failover and instant reconciliation. You get success, failed or a structured error back in your API response and signed webhook — at 0.5% + ৳10 per completed transaction.
Pay2Capital in one minute
No jargon needed. Here is exactly what the platform is, what you bring, and what you receive back on every single transaction.
You have mobile-wallet agent accounts (bKash, Nagad, Rocket, Upay and more). We turn all of them into one API. You send one request; we decide which wallet should handle it and do the rest.
An agent account of your own with the wallet providers, the channels connected in your dashboard, and an Agent ID from us. No wallet SDKs, no separate integration per provider.
An instant API response plus a signed webhook telling you completed, failed or exactly which error happened — with your own order ID attached, so your books always match ours.
Collect payments from customers (pay-in) and send refunds or disbursements (payout) without building wallet logic yourself.
Resell payment collection to your own merchants while we run routing, limits, failover and reconciliation underneath.
Already running up to 100 wallet channels? We rotate them fairly, respect every limit and keep them cool instead of burning one number.
Four steps from your first key to live routing
No wallet SDKs, no rotation logic, no reconciliation scripts. You keep the agent account; we run the automation layer on top of it.
Your own person opens an agent account with the wallet providers you already use — bKash, Nagad, Rocket, Upay. The account stays yours.
Up to 100 wallet channels are attached in the agent dashboard, each with its own per-transaction, per-minute and daily limits.
Send a single authenticated request with your Agent ID, amount and gateway_type. No per-wallet integration, no rotation code on your side.
You get an immediate response and a signed webhook with completed, failed or a structured error — always carrying your order_id and client_txn_id.
Every transaction is scored before it moves
The routing engine ranks each channel of your assigned agent and picks the healthiest one — with automatic failover when a channel drops.
Requests never leave the assigned agent
gateway_type must match the channel wallet type
Channel online + status verified in the last 60s
Highest usable balance wins
Lowest daily-limit usage preferred
Success rate of the last 100 transactions
Next ranked channel of the same agent
Round-robin: lowest payout_rotation eligible wallet first
use_after > now() or is_processing = true is skipped
How payouts rotate across your wallets
Every payout takes the lowest payout_rotation wallet that is online, method-matched and inside its limits. After it pays, it moves to the end of the queue with a cooldown — so load spreads evenly across all connected wallets instead of burning one.
See How Pay2Capital Connects Every Payment
Connect once with your Agent ID. Your agent can keep up to 100 wallet accounts with their own limits — Pay2Capital scores them live, routes each transaction to the best one and returns success, failed or a structured error to your API and webhook.
Simplified vertical flow
- Agent connects wallet accounts in their dashboard+18 ms100 wallet accounts connected under P2C-AG-204810.02s
- Accounts verified: bKash, Nagad, Upay, Rocket+23 msProvider agent accounts verified0.04s
- Per-transaction & daily limits loaded+46 msLimit table loaded for every connected account0.09s
- Live health & balance tracking started+35 msBalance, limit usage and success rate tracked live0.12s
- Channels ready for routing+20 msEligible channel pool built for P2C-AG-204810.14s
- API User sends a request with agent_id+26 msPOST /v1/payin · agent_id: P2C-AG-204810.17s
- API key, signature & IP validated+51 msRequest authenticated0.22s
- Agent ID resolved+28 msAgent found: P2C-AG-20481 · status active0.25s
- Request locked to this agent's wallets only+23 msAgent lock applied — no cross-agent routing0.27s
- Your platform needs to collect ৳5,000+29 msPayment intent created on the API User side0.30s
- Request sent to Pay2Capital with agent_id+55 msPOST /v1/payin created0.35s
- API request enters Pay2Capital+33 msRequest received by API Gateway0.39s
- API credentials authenticated+26 msAPI key validated0.41s
- Request signature verified+32 msSignature verified0.45s
- Agent ID detected+18 msAgent ID detected: P2C-AG-204810.46s
- Assigned Payment Agent found+37 msRequest routed exclusively to Agent A0.50s
- Agent status checked+29 msAgent status: Active0.53s
- Requested payment method checked+35 msMethod: bkash_agent0.56s
- Available collection channel selected+33 msbKash Channel 01 selected0.60s
- Routing Engine ranks the agent channels+26 msRouting score: bKash 01 (92) > Nagad 01 (78) > Rocket 01 (61)0.62s
- Pay-in order created+32 msOrder XPY-P-875421 created0.66s
- Payment instructions returned to your platform+18 msInstructions + order_id returned in the API response0.67s
- Payment received on the selected wallet+23 msCustomer paid ৳5,0000.70s
- Transaction status verified+46 msStatus verification passed0.74s
- Pay-in marked completed+35 msPay-in completed0.78s
- Processing fee calculated+20 msFee 0.5% (৳25) + ৳10 = ৳35 on ৳5,000 · net ৳4,9650.80s
- Wallet distribution executed+42 msMerchant ৳4,965 · Pay2Capital ৳28.00 · Reserve ৳7.000.84s
- API User Dashboard updated+51 msAPI User Updated0.89s
- Agent Dashboard updated+28 msAgent Dashboard Updated0.92s
- Signed webhook callback delivered+37 msWebhook Delivered · HTTP 2000.95s
- Transaction stored in audit log+46 msAudit Log Created1.00s
0.5% + ৳10 per transaction — fair and transparent
A small percentage scales with the amount, plus a flat ৳10 floor per transaction — pay-in or payout. Failed or reversed transactions are never charged.
৳25 (0.5%) + ৳10 flat = ৳35. Reference: ৳5,000.00 pay-in → fee ৳35.00 → net ৳4,965.00.
Pay-in (all wallets)
Rate
0.5% + ৳10
Min
৳10
Settlement
Instant
Payout (all wallets)
Rate
0.5% + ৳10
Min
৳10
Settlement
Instant
Per extra transaction
Rate
0.5% + ৳10
Min
৳10
Settlement
Instant
Failed / reversed transaction
Rate
0%
Min
—
Settlement
Auto-refunded
| Transaction amount | Rate | Min | Settlement |
|---|---|---|---|
| Pay-in (all wallets) | 0.5% + ৳10 | ৳10 | Instant |
| Payout (all wallets) | 0.5% + ৳10 | ৳10 | Instant |
| Per extra transaction | 0.5% + ৳10 | ৳10 | Instant |
| Failed / reversed transaction | 0% | — | Auto-refunded |
One transaction, three wallets, instantly reconciled
As soon as a transaction completes, the engine settles the net amount to you and splits the collected 0.5% + ৳10 fee internally. No agent commission — the agent account is your own, we only route it and support it.
Built for money movement, not demos
Every guarantee below is enforced in the routing layer itself — not left to your integration to remember.
A request can only touch wallets connected under the Agent ID it was signed with. Cross-agent routing is impossible by design.
Wallet numbers are masked, PINs and credentials are never stored in plain text and never appear in any response, log or webhook body.
Retries and failovers reuse the same order_id, so a transaction is executed once even if your client repeats the call.
Every callback carries a signature header and retries with exponential backoff until your endpoint acknowledges it.
Every term on this page, explained
If a word on this site is unclear, it is defined here in one sentence. Tap any term to expand it.
A unique code (for example P2C-AG-20481) that ties an API request to your own agent account and the wallet channels connected under it. A request can never touch another agent's wallets.
Each wallet account you attach in the agent dashboard is a channel, with its own per-transaction, per-minute and daily limits. You can connect up to 100 of them.
A customer sends money to one of your wallet channels. We confirm it, match it to your order ID and notify your system.
You instruct us to send money to a customer. We pick a channel with enough balance and headroom, execute it and reconcile it against the wallet statement instantly.
Before every transaction we score your channels on balance, remaining limits, recent success rate and cooldown, then pick the healthiest one. If it fails, we fail over to the next.
A signed HTTPS callback sent to your endpoint the moment a transaction completes or fails, retried with backoff until your server acknowledges it.
For every payout we fetch the wallet statement and match the entry, so a transaction is only marked completed when the money actually moved.
Charged on pay-ins and payouts that actually complete. Failed or reversed transactions are never charged, and there is no agent commission — the agent account is yours.
Frequently asked questions
The most common questions about routing, fees, failover and support.
Pay2Capital is an agent-wallet routing and payment automation layer. You send a request to our API with your Agent ID, we route the transaction to the most suitable wallet account connected in that agent dashboard, and return the result in the API response plus a signed webhook.
Wallets and rails we route pay-ins and payouts through — attach the accounts you already hold to your Agent ID.
BD
BD
BD
BD
IN
IN
IN
IN
PK
PKLogos are shown for identification of supported channels only. Need another provider? We can map it into the routing engine.
Connect your Agent ID and start routing
Sandbox credentials, IP whitelisting, signed webhooks and 0.5% + ৳10 fee transparency from day one — billed only on transactions that actually complete.