Bangladesh’s First PCI MPoC-Certified SoftPOS Platform

Revolutionizing Contactless Payments with Global Security Standards

PCI-DSS Compliant
PCI-MPoC Certified
PCI-A&M Compliant
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Architecture

Our Soft POS solution is built on a modular, scalable, and secure architecture, certified under PCI MPoC standards, ensuring full compliance with the latest security and regulatory requirements for mobile contactless payments.
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Isolated SDK or Soft PoS App

1. Secure and Real-Time Transaction Processing

A lightweight, embeddable SDK and App that resides securely within the banking or merchant app, handling sensitive operations like PIN entry and transaction encryption in a PCI MPoC-compliant isolated environment.

  • Attestation & Monitoring Service (A&M): Real-time device health checks and risk management via a centralized cloud platform, ensuring compliance with MPoC’s continuous attestation requirements. Also capable of secure tunneling feature.
  • Encryption and Security: Industry-standard and PCI compliant security protocols ensure data protection.

2. Integration

Seamless connection with your existing payment switch or core banking platform, enabling instant transaction processing across card schemes (Visa, Mastercard, UnionPay) through contactless, contact and EMV-CO QR (Bangla QR).

3. Admin and Merchant Portal

A powerful dashboard for financial institutions to manage merchant onboarding, transaction monitoring, risk rules, dispute resolution and compliance reports—all in real time.

  • Merchant App: Customizable white-label app for Banks and FinTech, turning any NFC-enabled Android device into a fully compliant payment acceptance terminal for VISA, Mastercard, Unionpay, AMEX, JCB, Discover contactless cards and EMVCo QR.
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PCI-DSS Compliant A&M Service

1. Secure Authorization Engine

Our PCI-DSS certified Authorization & Messaging service ensures secure transaction approval with industry-standard encryption.

  • Card Scheme Integration: Seamlessly connected to Visa, Mastercard, and UnionPay for real-time authorization.
  • PIN Validation: Validates critical credentials in compliance with PCI-DSS requirements. E2E PCI-PIN Certified

2. Reliable Messaging Switch

High-performance messaging middleware enables seamless communication between issuer, acquirer, and third-party processors.

  • ISO 8583 Messaging Support: Interoperable with global transaction formats.
  • Real-Time Processing: Handles transaction flows with low-latency and high availability.

3. Compliance and Monitoring

Built on a foundation of regulatory compliance, ensuring all transaction flows meet global security benchmarks.

  • PCI-DSS Certified Infrastructure: Regular audits, tokenization, and encryption protocols in place.
  • 24/7 Monitoring: Continuous risk assessment and transaction integrity validation.

Features

Everything an acquirer needs to power secure, contactless payments at scale without investing on hardware.

Why we are different

Our Soft POS solution empowers banks to offer secure, contactless payment acceptance on any NFC-enabled Android device—no external hardware needed. With built-in PIN-on-Glass support, offline transaction capability, and full multi-scheme compliance (Visa, Mastercard, UnionPay), it meets the highest global standards.

Tap to Pay on Any Android

Accept contactless card payments (EMV, NFC) using just a mobile phone—no need for external hardware.

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PIN-on-Glass (POG) Support

Secure PIN entry directly on the mobile screen for high-value transactions, meeting PCI MPoC standards.

Multi-Scheme Compatibility

Certified for Visa, Mastercard and UnionPay card schemes, allowing full interoperability.

Payment-Industry Standard Security

End-to-end encryption, tokenization, and continuous attestation to monitor tampering or compromise.

Instant Merchant Onboarding

Integrated KYB and onboarding workflows with biometric/NID verification, Tradelicense and RJSC document verification enabling real-time merchant activation.

Dashboard & Analytics

Transaction insights, reconciliation reports, dispute management, and settlement tracking for bank administrators.

Our Leadership Team

A dynamic blend of visionary leadership, deep fintech expertise, and technical excellence drives our mission. With decades of combined experience in digital payments, banking, and scalable technology platforms, our core team is committed to transforming the financial ecosystem through secure, innovative, and inclusive solutions.

Strategic Architect of Payment Infrastructure and Operational Excellence

With a strong foundation in banking operations and electronic payment systems, Mohammad Salahuddin brings over two decades of expertise to PayNet. His experience spans key roles at I-Clique Solutions Limited, SunGard and Network Services Ltd (NSL), where he led mission-critical initiatives in card management, switching, and transaction processing. As Director at PayNet, Salahuddin leverages his deep domain knowledge to drive operational efficiency, regulatory compliance, and seamless integration across the fintech ecosystem.

Mohammad Salahuddin

Managing Director

Driving Innovation in Digital Payments and Fintech Solutions

With a profound passion for fintech and payment solutions, Mohammad Arif Hossain has led numerous initiatives emphasizing security and innovation. As CEO of multiple PSP and FinTech Solution Provider, he spearheaded the development of EMV, PCI-DSS and ISO-27001 compliant digital financial products, including wallets, payment gateways, and SoftPoS etc. Arif's visionary approach continues to shape the future of digital payments.

Mohammad Arif Hossain

Chairman

Get in Touch

We’d love to hear from you! Whether you have questions, feedback, or are interested in our solutions, feel free to reach out to our team. Contact us today, and let's explore how we can drive the future of digital payments together.