Bangladesh
upay by UCB Fintech
A local digital financial service in Bangladesh. A-Pay lists upay among its supported payment methods for this market.
Explore Bangladesh upay ↓Two distinct local payment providers
One Name. Two Upay Payment Providers.
upay in Bangladesh and UPay in Sri Lanka are different services. Choose the market you want to serve, then explore its supported method through A-Pay.
Sri Lanka
UPay in Sri Lanka
A separate digital payments platform associated with SDB Bank. A-Pay lists UPay for Sri Lanka.
Explore Sri Lanka UPay ↓These methods are not one cross-border wallet. Method eligibility and processing terms are agreed for each merchant setup.
Provider profile 01 / Bangladesh
Upay Payment Gateway in Bangladesh
upay · Bangladesh
upay is a digital financial service operated by UCB Fintech, a subsidiary of United Commercial Bank. It is distinct from the UPay service in Sri Lanka.
Provider
UCB Fintech
Market
Bangladesh
Listed by A-Pay
Yes
Configuration
Confirmed per merchant
Accept upay payments through A-Pay
A-Pay lists upay as a supported local method in Bangladesh. Merchants can discuss enabling this method for payment acceptance through the A-Pay gateway.
The available checkout journey, processing terms and integration configuration are confirmed before activation.
Related local methods include bKash, Nagad and Rocket. Explore the full market overview on the Bangladesh payment gateway page ↗.
Provider profile 02 / Sri Lanka
UPay Payment Gateway in Sri Lanka
A separate UPay provider
UPay in Sri Lanka is a digital payment platform associated with SDB Bank. It belongs to a different provider ecosystem from Bangladesh's upay.
A-Pay lists UPay as a supported payment method in Sri Lanka. Merchants can discuss the specific payment flow, activation requirements and processing terms with A-Pay.
Other listed local methods in Sri Lanka include Ipay and BankTransfer. See the Sri Lanka payment gateway page ↗.
UPay · Sri Lanka
Provider ecosystem
SDB Bank-associated
Market
Sri Lanka
Listed by A-Pay
Yes
Configuration
Confirmed per merchant
The provider's own app features do not imply identical functionality through A-Pay.
Provider clarity
Upay Bangladesh vs UPay Sri Lanka
Similar names, separate provider ecosystems. The correct method depends on where your customers need to pay.
Key distinction
Bangladesh upay
Sri Lanka UPay
Market
Bangladesh
Sri Lanka
Provider
UCB Fintech
SDB Bank-associated platform
Provider relationship
Separate from Sri Lanka UPay
Separate from Bangladesh upay
A-Pay availability
Listed as supported
Listed as supported
Integration specifics
Confirm for merchant
Confirm for merchant
No single wallet or identical technical configuration is implied by the shared name.
Illustrative transaction lifecycle
How Upay Payments Work Through A-Pay
A payment request passes through the gateway using the selected supported method. The status returns to your backend; your platform displays the result to the customer. Exact checkout steps depend on the enabled method.
Merchant platform
Payment request
↓
A-Pay gateway
Configured processing route
Bangladesh upay
Sri Lanka UPay
Transaction status → merchant backend → customer-facing result
01
Request
Your platform initiates a payment using an agreed A-Pay integration.
02
Selected method
A-Pay processes the request using the enabled local method configuration.
03
Status handling
Transaction status is delivered to the merchant's backend through the configured mechanism.
04
Customer result
The merchant platform records the outcome and displays the payment result.
Illustrative gateway flow, not a screenshot of either provider's checkout. One transaction uses its selected local method, not both simultaneously.
Gateway integration
Integrate Upay Payments with A-Pay
A-Pay offers H2H API and Hosted Payment Page integration models. The configuration available for each Upay provider is confirmed for the merchant project.
Server-to-server
Host-to-Host API
Integrate your platform's backend with the gateway and control the customer-facing payment interface on your own site.
Merchant interface
↓ API request
A-Pay gateway
Provider-hosted interface
Hosted Payment Page
Use a payment interface hosted by A-Pay. Your platform still handles integration, transaction records and the customer-facing result.
Merchant platform
↓ Hosted payment interface
A-Pay payment page
Operational details to agree before launch
Payment acceptance and method availability
Merchant backend status handling
Customer payout support, if required
Merchant settlement: T+0 sending
Customer payouts and merchant settlements are different operations. A-Pay sends merchant settlements on the same day (T+0); availability of payouts via either specific Upay method needs separate confirmation.
Local payment coverage
Other Payment Methods in Each Market
Businesses can discuss enabling additional supported local methods alongside the Upay option appropriate to their market.
Bangladesh
Sri Lanka
For existing A-Pay merchants
Expand your enabled payment methods
Additional already-supported payment methods can be enabled for existing merchants without an extra connection charge. The number of methods does not change the connection price. Processing terms are agreed separately.
From market selection to activation
How to Connect Upay Payments Through A-Pay
A practical onboarding path for merchants that need upay Bangladesh, UPay Sri Lanka, or both supported local methods.
01
Choose the market
Tell A-Pay whether you need Bangladesh upay, Sri Lanka UPay, or payment coverage in both markets.
02
Confirm the configuration
Agree on method availability, the required payment direction, integration approach and commercial terms.
03
Integrate and test
Implement the agreed connection and verify requests, transaction statuses and merchant-side updates.
04
Complete checks and activate
Complete merchant and technical checks before enabling the approved method configuration in production.
Frequently Asked Questions
No. Bangladesh upay and Sri Lanka UPay are separate payment services operating in different markets. A-Pay lists both among its supported local payment methods.
A-Pay supports upay as a listed local payment method in Bangladesh. Merchant eligibility, available payment flows and processing terms are confirmed before activation.
Yes. UPay is listed among A-Pay's supported payment methods in Sri Lanka. Integration details and transaction requirements are agreed for each merchant project.
Businesses can discuss enabling supported payment methods in both Bangladesh and Sri Lanka. Each provider's configuration and availability are confirmed separately.
A-Pay offers Host-to-Host API integration and a Hosted Payment Page model. The integration approach available for a specific Upay configuration must be confirmed before implementation.
Transaction status information is delivered to the merchant's backend through the configured technical mechanism. The merchant platform updates its transaction records and displays the payment result to customers.
A-Pay supports payouts within its broader payment infrastructure. Availability of payouts through either specific Upay method requires separate confirmation.
Yes. Existing A-Pay merchants can enable additional supported payment methods without an extra connection charge. The number of connected methods does not affect the connection price. Processing terms are agreed separately.
