Building a Cashless
Bangladesh
Zaytoon Fintech unites banks, MFS, and fintechs on one Bangla QR network bringing secure, affordable financial services to the communities banking never reached.
OUR PARTNER
Zaytoon Fintech proudly works alongside leading banks, MFS providers, and insurance companies to bring secure, interoperable financial services to every corner of Bangladesh.
One Platform. Every Business Transaction.
All of Your Payments, Purchases, and Financial Solutions in One System
ZAYTOON Fintech Ltd. brings together QR payment acceptance, digital payments, business purchases, and ERP management into one secure platform. Manage your business with real-time insights, faster transactions, and smarter financial control—all from a single dashboard.
QR Payment Acceptence
Easy Payment
Business Insights
Accept almost all payment methods
How Bangla QR Works
Scan | Confirm | Done
Open the app
Opens any Bangla QR enabled banking, MFS or fintech app.
Scan the code
Points the camera at the Zaytoon Bangla QR code on the counter.
Confirm amount
Enter the amount, then confirm with OTP or PIN.
Funds settle
The money moves straight into the merchant's linked bank or MFS account.
No cash, no paper
The customer gets a digital receipt on screen. No cash, no paper.
Why Zaytoon
Built for trust. Backed by regulation
Regulatory Alignment
We are working toward a White Label Merchant Acquirer (WLMA) licence from Bangladesh Bank.
Interoperability
One Bangla QR code replaces the old closed loop stickers and works across every participating bank, MFS and fintech app under Bangladesh Bank's National Payment Switch Bangladesh (NPSB).
Rural-First Design
Fast Urban people easy access in digital payments & rural people introducing digital payments ecosystems.
Responsible Fintech
Operations that stay sustainable, transparent and compliant.
Economic Impact
Every booth creates an income for the local entrepreneur who runs it.
Let's build a cashless
Bangladesh — together
Whether you're a bank, an MFS, an entrepreneur, or a rural
community looking for access — there's a place for you in
the Zaytoon network.
FAQ
Everything you need to know about ZAYTOON Fintech. Find answers about merchant onboarding,
QR payments, settlements, ERP, Bangla QR and digital payments.
Getting started takes four steps:
1. Register as a merchant on the platform.
2. Complete business verification (KYC) with your trade licence, TIN and NID.
3. Link the bank account where you want your money to arrive.
4. Activate your Merchant QR.
Once we approve the application, you can start accepting digital payments straight away.
Payments through ZAYTOON are powered by Bangla QR, making digital payments simple, secure, and convenient.
Step 1 —Opens any Bangla QR-enabled banking, MFS, or fintech app.
Step 2 — Scan the QR Code
Step 3 — Enter the payment amount and reviews the transaction details.
Step 4 — Confirms the payment using their OTP or PIN.
Step 5 — Receive the Payment
Step 6 — The customer receives an instant digital receipt on their screen.
Yes. Zaytoon runs on the interoperable Bangla QR network, so one QR code works across every participating bank, MFS and fintech app. You are not locked into a single provider. More than 46 scheduled banks, seven MFS providers and several PSPs and PSOs are already on this shared network under Bangladesh Bank's National Payment Switch Bangladesh (NPSB).
There is no fixed daily limit on Bangla QR payments. Bangladesh Bank first capped static Bangla QR transactions at Tk 20,000 a day for individuals in its January 2021 guideline, then removed that ceiling in a circular dated 8 February 2023. Customers can now pay any amount, any number of times. Banks, MFS providers and PSOs may still apply their own risk based limits, and issuers must verify large or unusual transactions. Separately, a minimum Merchant Discount Rate (MDR) of 1.00 percent including VAT applies to Bangla QR merchant transactions processed through NPSB from 1 July 2026.
Yes. The whole Zaytoon platform is built on the Bangla QR standard, which brings banks, MFS providers and fintechs onto one interoperable network. The aim is to take secure financial services to communities that other providers have left out. Zaytoon has partnered with institutions such as per commercial assigned Bank to roll out Bangla QR Merchant Acquiring Services nationwide, working as a Payment System Operator and White Label Merchant Acquirer (PSO-WLMA).
Secure
High Level Security
Instant
Real-time Payments
Trusted
By Thousands of Merchants
24/7
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