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Bango Payments

Company overview

About Bango

What the company provides

  • Gateway
  • Payments technology platform
  • Subscription bundling platform

Available countries, payment methods, data access, contracts and funds handling depend on the selected product.

Bango supplies two distinct products for digital commerce.

Bango Payments is an API layer that connects a merchant to direct carrier billing and wallet payment providers; the merchant remains the seller and ordinarily negotiates and receives its payment-provider settlement directly. The Digital Vending Machine bundles subscriptions for resellers and content providers, coordinating catalogue, entitlement, offer and billing events without making Bango the universal seller to the subscriber, card acquirer or merchant-account provider.

Founded 1999bango.comUpdated Aug 15, 2026

Selected product

Bango Payments

Product account & client activation

  1. Product account

    Merchant contracts each activated payment provider directly

  2. Client activation

    Bango certifies the integration; each activated payment provider controls its own acceptance

    The platform review covers the business, products, integration and requested routes. A carrier, wallet or other payment provider can require a separate agreement, commercial decision and production activation.

Primary legal entity

Bango.net Limited

Jurisdiction
United Kingdom
Registration number
03854965
Incorporated
Oct 12, 1999
Company type
Private limited company

Legal entities by jurisdiction

2 legal entities across 1 jurisdiction

  • United Kingdom2 entities

The legal entity supplying a product can differ by product and country.

Product portfolio

Bango products

Compare payment-provider connection technology and subscription bundling by account setup, approval, payment or data flow, and contract terms.

Bango Payments

Role in this product

  • Payments technology platform

A merchant-facing Payment API that normalizes identification, authorization, capture, cancellation and refund requests across direct carrier billing, operator wallets, mobile money and other connected payment providers.

The connected provider controls the consumer account and normally pays the merchant under its own agreement.

Related services
Alternative payment methodsDirect APIRecurring billing
Features
CheckoutGatewayClient onboardingPayment operationsPricingReconciliationReportingSupportUnderwriting

Bango Digital Vending Machine

Role in this product

  • Subscription bundling platform

Subscription-bundling technology connecting resellers such as telcos with content providers.

It supports catalogue and offer setup, entitlement activation and cancellation, subscriber eligibility, billing-cycle initiation and ongoing synchronization; the reseller remains the subscriber-facing seller and billing party unless a separately signed distribution arrangement states otherwise.

Related services
Recurring billing
Features
Client onboardingPayment operationsPricingReportingSupportUnderwriting

Selected product

Bango Payments

Related services
Alternative payment methodsDirect APIRecurring billing
Features
CheckoutGatewayClient onboardingPayment operationsPricingReconciliationReportingSupportUnderwriting

Connection technology, provider activation & funds boundary

Who supplies the connection layer, which payment provider activates the route, who makes the payment decision and who handles merchant funds.

01 · Role in this product
Payments technology platform
02 · Connected payment-provider accounts
Merchant contracts each activated payment provider directly
03 · Platform certification & route activation
Integration certification is handled by Bango; each payment provider decides whether to activate its route
04 · Payment-provider collection & merchant proceeds
The activated mobile carrier, wallet or other payment provider collects the payment and pays the merchant under its contract

Selected product: Bango Payments.

Payments technology

Bango Payments: provider routes, activation & funds boundary

Review the API and route activation supplied by the platform, the carrier or wallet accounts contracted by the merchant and each provider's payment-collection responsibility.

Selected product: Bango Payments

Included in Bango Payments

Features included with this product.

Solutions
Alternative payment methodsDirect APIRecurring billing
Capabilities
CheckoutGatewayClient onboardingPayment operationsPricingReconciliationRecurring billingReportingSupportUnderwriting

Platform integration & activated payment providers

Who certifies Bango Payments, which carrier, wallet or payment provider accepts and collects each payment, and how the merchant receives its contracted share.

Included

Payment gateway, PSP and acquirer connections

Integration options, connected PSPs and acquirers, tokenization, 3DS and merchant tools.

Gateway features

Integration → security → merchant tools

Merchant funds
Does not handle merchant funds
Merchant funds
No
Transaction processing
Yes
Merchant settlement
No
Direct acquiring
No
Merchant account
No
MID
No
Merchant account model
Bango Payments does not give the merchant a card merchant account or MID. Bango's public implementation guide says the merchant may need its own contract with each payment provider and must negotiate those contracts itself.
Seller funds model
The merchant's agreement with each payment provider defines how it receives its share. Bango's public guide says the merchant typically invoices each payment provider monthly and separately pays Bango for the platform service.
Gateway availability
Bango certification, merchant and product acceptance, payment-provider contracts, route activation, payer eligibility, country, currency and method capability all apply separately.
  1. 01Merchant integrationIntegration options and connected payment providers
  2. 02Payment securityTokenization, authentication and transport security
  3. 03Development & operations

Gateway connections

Merchant integration, PSP and acquirer connections

Integration options

Integration options
  • REST API

Gateway

Payment technology

Connected payment provider

Types of connected payment providers
  • Digital wallet
  • Payment processor
  • PSP
Acquirer-independent
No
Processor-independent
No

Security controls

Tokens and payment authentication

Operations

Webhooks, Control Panel and test environment

Tools used to test an integration and manage live payments.

Webhooks
Yes
Sandbox
Yes
Merchant control panel
Yes
API-oriented
Yes
Gateway included
Yes
Onboarding included
Yes
Consumer support included
No
Merchant support included
Yes
Seller of record
No
Tax responsibility
No
Gateway features
  • Merchant payment API
  • Payment provider abstraction
  • Direct carrier billing routes
  • Operator wallet and mobile money routes
  • Authorize capture cancel and refund
  • Transaction status notifications
Role in this product
Payments technology platform
Account relationship
Merchant using Bango as a technology layer while remaining seller to the end user
Payment processing model
The merchant calls one Bango API. Bango translates and coordinates identification, authorization, capture, cancellation and refund messages with the activated carrier, wallet or other payment provider, which applies its own account rules and payment decision.
Questions to confirm

Which connectors apply to Bango Payments?

Connectors are not specified for Bango Payments.

Which webhook events apply to Bango Payments?

Webhook events are not specified for Bango Payments.

Is Bango Payments available?

Available is not specified for Bango Payments.

Which tokenization types apply to Bango Payments?

Tokenization types are not specified for Bango Payments.

Does Bango Payments support 3-D Secure, and which payment flows are covered?

3-d secure is not specified for Bango Payments.

What account setup, data retention, export, support and termination terms apply to this product?

These product-account and data terms are not fully specified.

Product account · Bango Payments

What is required to activate this product?

Bango certifies the merchant integration and requested routes; each activated carrier, wallet or payment provider retains its own acceptance decision.

Product eligibility

Owner, director and operating-location requirements are not specified

Product account review

Bango certifies the integration; each activated payment provider controls its own acceptance

The provider reviews the company and product use before activating the technology account.

Account review
Platform account review
Product
Bango Payments
Regulated-business license
Required license type and issuing jurisdiction are not specified
01Product eligibility & acceptable use

Which businesses and uses are accepted for this product?

The product's acceptable-use rules determine which businesses and use cases can activate an account.

Eligibility requirements

01

Platform certification note

Bango certifies the merchant's technology integration and activates routes; the connected payment provider retains its own commercial and payment acceptance decision. No card merchant account or MID is created by this process.

02

Platform & provider decisions

Bango, each connected payment provider, content provider and reseller retain their own acceptance and launch decisions. A Bango integration does not establish payment-provider underwriting, acquiring approval or universal content rights.

03

Product review to activation

Manual account review

Platform account review timing and criteria are not specified.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Product account application

What is needed to activate the product account?

Company information, intended product use, commercial terms and integration details required before activation.

Product account application

Open product account → agree terms → configure integration → test → activate

Product access begins after account review, configuration and testing are complete.

Platform certification inputs

Documents to prepare

  1. 01Merchant business and product information
  2. 02Target markets payment providers and currencies
  3. 03Payment provider contract evidence when required
  4. 04Integration test results
  5. 05Target markets and payment providers
  6. 06Technical certification results

Integration certification & route activation

  1. 01

    Define merchant products, markets, currencies and target payment providers.

  2. 02

    Negotiate any required payment-provider contracts directly.

  3. 03

    Receive Bango development and test credentials.

  4. 04

    Integrate identification, transaction and refund requests.

  5. 05

    Complete Bango certification and provider-specific testing.

  6. 06

    Activate each approved payment provider and complete production testing.

Product account requirements

Account setup and activation

Application and activation requirements.

Merchant, product & route information

Required website pages, disclosures and policies are not specified

Platform & provider acceptance checks

Company, ownership, sanctions, license and integration requirements are not specified

Activated payment-provider routes

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Company eligibility, acceptable-use restrictions, account requirements and activation timing are not fully specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 01

    Which carrier, wallet or payment-provider routes require a direct agreement, separate acceptance and production credentials?

    Commercial and activation requirements differ by connected provider and route.

  2. 02

    Which integration, merchant, product and transaction tests must pass before each route goes live?

    Certification and provider-specific launch requirements are only partly documented.

  3. 03

    How does each activated payment provider collect the customer payment and pay the merchant, and what invoices or reports are required?

    Payment-provider proceeds and merchant invoicing follow each direct provider agreement.

Payment methods & countries · Bango Payments

Which countries and payment methods are available for this gateway or orchestration setup?

Route availability depends on platform certification and each activated carrier, wallet or payment-provider agreement.

Selected product

Bango Payments

Activated payment-provider routes

Selected product

Client company

Platform certification plus each activated payment provider's acceptance

Payment connection capabilities

Payment connection capabilities are not specified

Availability depends on

  • Connected provider
  • Business country
  • Payment method
  • Currency

Bango supplies the API and route activation. The merchant contracts the carrier, wallet or payment provider that controls its consumer accounts, payment acceptance, collection and merchant proceeds.

01Selected product

Bango Payments capabilities and connections

These capabilities belong to the selected product. Connected-provider and regional availability is set during configuration.

Connected payment providers

Connected payment providers are not identified for this product.

Connected payment provider
02Countries & availability

Where can the client be based, which PSP or acquirer serves each target market, and where can customers pay?

Client eligibility, merchant-account approval, acquiring coverage and customer-country availability are separate parts of the payment setup.

Country coverage

Client, connected-provider, customer and product countries

  1. 01

    Client location

    Where can the company using the technology be registered?

    Platform certification plus each activated payment provider's acceptance

    Client and merchant-account eligibility
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    Handled by the payment provider

    Contract-specific carrier, wallet and payment-provider routes

    This platform does not establish a card-acquiring footprint; coverage belongs to each activated provider route.

    Connected payment provider
  3. 03

    Customer location

    Where can customers pay from?

    Handled by the payment provider

    Defined by the activated carrier, wallet or payment provider

    Connected payment provider

Countries and payment methods

Countries and payment methods to confirm

  1. Which carrier, wallet or payment-provider routes are contracted, certified and activated for each market?

    Route coverage and launch requirements differ by connected provider.

  2. How does each activated provider collect the consumer payment and pay the merchant, and what invoicing or reporting is required?

    Merchant proceeds follow the direct provider agreement.

Pricing & funds · Bango Payments

What does Bango Payments cost, and which related charges are governed by another agreement?

Reporting price, billable usage, contract term and additional costs

Pricing

Reporting price, billable usage, contract term and additional costs

Pricing method

Custom and Not publicly disclosed

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

Pricing model

  • Custom
  • Not publicly disclosed

Public rates

No public rate card

Other fee amounts

Not specified
Monthly fee

Amount not specified

Setup fee

Amount not specified

Application fee

Amount not specified

Annual fee

Amount not specified

Gateway fee

Amount not specified

PCI fee

Amount not specified

Daily batch fee

Amount not specified

Early termination fee

Amount not specified

Monthly minimum

Amount not specified

These fee amounts are not specified.

02Billing basis

Which usage units determine the recurring bill?

The usage units that determine the recurring bill.

Usage drivers

Not specified

Connected accounts, report volume, retained history and export frequency

The quantities, included allowances and overage rates are not specified.

03Contract & additional costs

How is the product invoiced, and which costs sit outside the base price?

Contract length, billing cycle, invoice currency, minimum spend and renewal terms. Implementation, optional-service, third-party and support charges outside the base price.

Invoice terms and costs outside the base price

Contract terms and additional charges

Contract, invoice and additional-cost terms define the software subscription and its bill.

01 · Contract & invoicing

Contract & invoicing

Contract length, billing cycle, invoice currency, minimum spend and renewal terms.

Contract terms

Contract length, billing cycle, minimum spend and renewal terms are not specified

02 · Additional costs

Additional costs

Implementation, optional-service, third-party and support charges outside the base price.

Additional fee categories

May apply
  • Platform transaction share
  • Payment provider commercial share
  • Integration and certification
  • Refund or payment provider cost

Amounts and applicability depend on the connected provider or optional service.

Pricing & contract terms

Terms to confirm in the agreement

Price

  1. What amounts apply to the monthly fee, setup fee, application fee, annual fee, gateway fee, PCI fee, daily batch fee, early-termination fee, and monthly minimum?

    These fees have no stated amount or waiver.

  2. What initial term, renewal rule, cancellation notice, billing cycle and invoice currency apply?

    The contract and invoicing terms are not specified.

Billing basis

  1. What amounts and triggers apply to platform transaction share, payment provider commercial share, integration and certification, and refund or payment provider cost?

    These additional fee categories can apply, but their amounts and triggers are not specified.

Other terms

  1. How is reporting priced, which usage units are included and what are the overage rates?

    Unit prices, included allowances and overage rates are not specified.

  2. How will connected accounts, retained history, exports and support level change the monthly bill?

    The billable units and pricing tiers needed for a cost forecast are not specified.

Reporting data flow · Bango Payments

How are payment data, reports, exports and reconciliation handled?

Connected data sources, report coverage, refresh timing and reconciliation

Reporting data flow

Connect data sources → refresh → report → export & reconcile

The reporting setup determines connected data sources, report coverage, update timing, exports and reconciliation keys.

Selected product

Bango Payments

Connected payment data, report coverage, refresh timing, exports and reconciliation.

  1. Data sources

    Multiple payment providers

  2. Report coverage

    Available reports are not specified

    Not specified

  3. Reporting responsibilities

    Bango consolidates payment-provider data · Connected providers supply transaction and settlement data

  4. Exports & reconciliation

    Export formats, join keys and correction handling are not specified

    Not specified
01

Data sources

Which providers, accounts and data sets are connected?

Payment providers, accounts and data sets connected to the reporting product.

Connected data

  • Multiple payment providers
02

Report coverage

Which reports and transaction fields are available?

Transactions, provider performance, feature usage and billing data.

Selected setup

Reports entry point

How requests enter this product and which integration boundary applies.

Reports

Not specified

Available reports are not specified

Report coverage

Report coverage and available data

Reports

No additional report coverage details are specified.

Refresh & history

Refresh & history

Data latency, available history, time zones and backfill behavior.

Refresh depends on
Not specified

Refresh timing and available history are not specified

03

Reporting responsibilities

Who supplies transaction data, consolidates reports and performs reconciliation?

Bango consolidates connected-provider data; each provider remains responsible for its transaction and settlement data.

Reporting responsibilities

  • Bango consolidates payment-provider data
  • Connected providers supply transaction and settlement data
  • Merchant reconciles provider reports to internal orders and ledgers
04

Exports & reconciliation

Which exports, identifiers and reconciliation workflows are available?

Export formats, identifiers, reconciliation workflows and correction handling.

Exports & reconciliation

Provider data → refresh → report → export & reconciliation

Export formats, identifiers, correction handling and reconciliation workflows.

  1. 01

    Exports & reconciliation

    Export formats, identifiers, reconciliation workflows and correction handling.

    Exports and identifiers

    Not specified

    Export formats, join keys and correction handling are not specified

Before integration

Integration details not specified

  1. 01

    Which providers, merchant accounts and environments can be connected to the reports?

    The connected data-source matrix is not specified.

  2. 02

    How much history is available, how quickly does each report update and which time zone does it use?

    History, refresh timing and time-zone rules are not specified.

  3. 03

    Which export formats and identifiers join provider transactions to orders, fees, refunds and disputes?

    Export formats and reconciliation keys are not specified.

Product responsibility, continuity & support

Bango Payments: risk, licenses & support

Product responsibilities, connected providers, service continuity, contracting entity and support.

01 / Product responsibility & continuity

Which responsibilities belong to this product?

Connected-provider roles, service availability, data access, suspension and post-termination continuity.

Roles & continuity

Payment-provider connection technology

Bango coordinates payment messages through its API. The activated carrier, wallet or other payment provider controls the consumer account, collection and merchant proceeds under its direct agreement.

Role in this product
Payments technology platform
Connected providers & merchant funds
The activated mobile carrier, wallet or other payment provider collects the payment and pays the merchant under its contractThe merchant calls one Bango API. Bango translates and coordinates identification, authorization, capture, cancellation and refund messages with the activated carrier, wallet or other payment provider, which applies its own account rules and payment decision. The merchant's agreement with each payment provider defines how it receives its share. Bango's public guide says the merchant typically invoices each payment provider monthly and separately pays Bango for the platform service.

Service continuity

What happens during an outage or after termination?

Availability, data access, suspension, migration and post-termination terms belong in the agreement.

  • What events allow Bango Payments to be suspended or terminated?

  • Who handles open disputes, chargebacks and case submissions after termination?

Before signingService availability, data access and termination terms4 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the payment technology product and any regulated payment services?

The entity providing the technology may or may not also provide regulated payment services. That relationship is not specified for this product.

For this product

Contracting entity and payment services authorization

Payments technology platform. The contracting legal entity for Bango Payments is not specified. Any legal entity providing regulated payment services is not specified. The applicable license or registration is not specified.

Whether the same or different legal entities provide the technology and any regulated payment services is not specified.

  1. 01 · Contracting entity

    Not specified for this product

  2. 02 · Payment services legal entity

    Not specified for this product

  3. 03 · License or registration

    Not specified for this product

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

1 entity · license or registration not specified

Bango.net Limited

United Kingdom · Registry 03854965 · Private limited company · Incorporated Oct 12, 1999

License or regulatory registration not specified
Before signingContracting entity, payment services license and legal terms3 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Bango Payments and integration failures, service outages or data-access issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and integration failures, service outages or data-access issues are not specified.

Merchant technical support

Public developer documentation and contracted technical support

Developer

developer.bango.com

Other company contacts

Support hours are not specified for these contacts.

Privacy

dataprivacy@bango.com
Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
Bango Payments / Before signing

What should the technology services agreement include?

Confirm product scope, software pricing, connected-provider responsibilities, data handling, service levels, support and termination.

Before signing

Bango Payments: terms to confirm

Confirm the product scope, connected-provider responsibilities, pricing, data handling, service levels and exit terms.

Product, usage & pricing

Included features, environments, usage allowances, overage rates, third-party costs and contract term

Data, service levels & exit

Data handling, security, uptime, recovery, support, suspension, portability and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.
  2. 02Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.
  3. 03Technical supportSupport contacts, hours, severity levels, response targets and escalation.
Technology services agreement

Product terms to confirm

Review software pricing, integration scope, connected-provider responsibilities, data handling, service levels, support and termination.

Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.

  1. What events allow Bango Payments to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  2. Which contracted provider handles chargeback alerts, representment and card-network monitoring?

    The provider responsible for chargeback alerts, representment and card-network monitoring is not specified.

  3. Which legal entity may establish and hold a reserve, and which release terms apply?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.

  1. Which legal entity will sign the agreement for this product, and which license or registration applies?

    The applicable license or registration is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

Technical supportSupport contacts, hours, severity levels, response targets and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Which support hours and contact channels cover Bango Payments, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for Bango Payments and the contacts for payment-processing or merchant-settlement issues are not specified.

  3. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What this technology product includes, which configuration restrictions apply and which service terms are not specified.

Included capabilities

Capabilities included with Bango Payments.

  • Payment method availability check, User identification, Two step authorization and capture, One step provider normalization, Full and partial refunds, One time payments, Recurring transactions where supported, and Bango Payment API

  • Payment-provider connection technology

Product restrictions and conditions

Acceptable use, supported connections, configuration limits, data conditions and account restrictions.

  • Connected-provider requirements, operating limits, event coverage and service levels depend on the selected configuration.

Terms to confirm

Pricing, integration, data, service-level, support and termination terms to include in the technology agreement.

  • Unit prices, usage allowances, overage rates, contract length, minimum spend and renewal terms are not specified.