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D-23 Near-Term — Pilot Running · Month 1–2 Open Commercial Ref: COM-04

Payment Provider Selection

Which payment provider(s) should EcoOptimize use for subscription billing — Stripe only, a regional BD provider, or a combination?

Stripe handles USD/EUR card payments globally and is the default for SaaS billing (webhook infrastructure, subscription management, invoicing all built-in). However, Stripe does not support BDT direct bank transfer (the dominant payment method for BD businesses). A BD-local provider (e.g. SSLCommerz, ShurjoPay, bKash Business) is needed to serve BD clients. The billing system architecture (D-12) must accommodate both. Seat-based billing for audit firm team members is a separate sub-decision to be confirmed before build starts.

Options
Stripe only — USD/EUR card payments, BD clients billed offline initially Stripe + SSLCommerz / ShurjoPay for BD bank transfer BD-local provider only (limits EU clients)
⛓ Depends on: D-10, D-13
Partner Inputs
R
Rubel
Technical Expert & Lead Developer
Recommendation
Reasoning
R
Rasel
Business Development — USA
Recommendation
Reasoning
M
Mareike
Business Development — Europe
Recommendation
Reasoning
Final Decision
Derived from partner inputs above — record the chosen option and the logic
Status
Open: Not yet discussed
Active: Discussion in progress
Decided: Final decision recorded
Blocked: Waiting on a dependency
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Action Items
# Task Accountable Due Status
1 Confirm Stripe availability and fee structure for BD entity Open
2 Evaluate SSLCommerz / ShurjoPay for BD bank transfer integration complexity Open
3 Decide on seat-based billing for audit firm team members (yes/no for Beta) Open
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