Payment & bKash Gateway Disclosure

1. Role of bKash

bKash Limited acts solely as a Payment Gateway service provider for DokaanDigit subscription and SMS/Point purchase transactions. bKash is not responsible for the delivery, quality, or performance of the DokaanDigit Service itself - that responsibility rests solely with NTechEdge. Similarly, NTechEdge is not responsible for the internal operations, security architecture, or availability of the bKash payment platform itself.

2. Tokenized Checkout & Recurring Billing Consent

Where you enable Auto-Pay (recurring subscription billing) using bKash, you expressly consent to the following, consistent with bKash's Tokenized Checkout feature:

• Your bKash Account will be bound (tokenized) to your DokaanDigit customer ID for the purpose of recurring payments to NTechEdge as the Merchant

• On each subsequent billing date, you will not be required to re-enter your bKash Account number or receive an OTP; your account will be automatically selected, and you will only need to enter your bKash PIN to confirm payment, per bKash's standard Tokenized Checkout flow

• You may disable Auto-Pay / de-link your tokenized bKash Account from DokaanDigit at any time via Account Settings

• Any additional fees charged by bKash on the payment amount (if applicable, per the arrangement between bKash and NTechEdge) will be disclosed prior to your first transaction

3. Payment Confirmation & Held Payments

In line with bKash's standard payment gateway process, your DokaanDigit subscription is typically activated immediately upon payment confirmation. In rare cases where a payment is held pending confirmation, any amount not confirmed within the standard holding period will be automatically reverted to your bKash Account, with an SMS notification from bKash, per bKash's own Terms of Use for Checkout.

4. No Storage of bKash Credentials

NTechEdge/DokaanDigit does not request, receive, or store your bKash PIN, OTP, or full account credentials at any point in the payment flow. All authentication occurs directly within the bKash-controlled interface.

5. Dispute Regarding a bKash Transaction

If you believe you were charged in error, you may raise a dispute with NTechEdge at support@dokaandigit.com (see Document 5 for the refund process) or directly with bKash Customer Care regarding the payment transaction itself. NTechEdge will cooperate with any bKash-initiated inquiry regarding a disputed transaction.

6. Other Accepted Payment Methods

In addition to bKash, DokaanDigit may accept payments via Nagad, Rocket, or bank transfer where available. The disclosures in this Document apply equivalently to any Mobile Financial Service (MFS) provider integrated into the App, to the extent that provider offers an equivalent tokenized/recurring payment feature.