Dinger

What Dinger does

Dinger, operated by Bards Company Limited, is a Myanmar-based payment gateway that aggregates more than 20 domestic and international payment providers (KBZ Pay, Wave Pay, AYA Pay, MPU, True Money, CB Pay, UAB Pay, MPT Pay, MAB, OK Dollar, M-Pitesan, Sai Sai Pay, One Pay, Mytel Pay, Visa, MasterCard, JCB, and others) into a single API integration. The platform targets Myanmar SMBs, e-commerce sellers, social commerce merchants, and microfinance institutions, offering a merchant dashboard for real-time transaction monitoring, user-role management, and settlement tracking. Supporting products include a prebuilt checkout form, a WooCommerce plugin for WordPress merchants, online invoicing with bill-tracking, and verticalized solutions for microfinance loan repayment and Facebook-based social merchants.

Dinger monetizes through a hybrid model: percentage-based plus fixed-fee transaction charges that vary by payment method (1.9%+100 MMK for KBZ/AYA/Citizens Pay, 3.4%+100 MMK for Wave Pay, 0.4%+200 MMK for True Money, 3.9% for international cards, and others), plus monthly subscriptions of 100,000 MMK for the standard plan (1-year minimum) and 60,000 MMK for the invoicing add-on (6-month minimum). Distribution is primarily product-led via a self-serve merchant portal and prebuilt integration, supplemented by a channel partner program with IT firms and marketing agencies. The company reports 200+ businesses, 1 billion+ MMK in transaction volume, 50,000+ transactions, and 45,000+ unique consumers served, with 300% year-over-year transaction growth and 33% year-over-year merchant growth as of the 2022-2023 reporting period.

Dinger was conceived in January 2018 and officially founded in 2019 (registered 07/05/2019), with partnership build-out completed by December 2019, 16 payment integrations by March 2020, and commercial launch on December 16, 2020. The company is headquartered in Yangon, has 11-50 employees, is privately held with no disclosed external funding, and operates exclusively in the Myanmar market.

Name

Dinger

Legal name

Bards Company Limited

Website

https://dinger.asia

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Dinger is a Myanmar-based payment gateway that aggregates 20+ local and international payment providers (banks, mobile wallets, cards) into a single API, serving SMBs, e-commerce sellers, social commerce merchants, and microfinance institutions across Myanmar.

Ownership category

akta.pro rank

Product category

Payment Processing / Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

Keywords

• Payment gateway services
• Online payment processing
• Merchant payment solutions
• Digital wallet integration
• API payment platform

Headquarters

HQ city

Yangon

HQ country

Myanmar (Burma)

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Transaction Fees: Dinger charges a percentage-based fee plus a fixed fee per successful transaction for each payment method used. Fee rates vary by provider: KBZ Mobile Banking/Citizens Pay/AYA Pay at 1.9%+100 MMK, Wave Pay at 3.4%+100 MMK, True Money at 0.4%+200 MMK, Visa/Master/JCB at 3.9%, and others in between.
2. Standard Subscription (Platform Fee): Monthly platform subscription of 100,000 MMK per month plus transaction fees, with a minimum 1-year contract renewed monthly.
3. Invoice Feature Subscription: Monthly subscription of 60,000 MMK for the online invoicing feature, with a minimum 6-month contract.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Dinger operates a unified payment gateway that enables Myanmar businesses to accept digital payments from 20+ local payment providers — including bank mobile apps (KBZ, AYA, CB, UAB, MAB), mobile wallets (Wave Pay, True Money, OK Dollar, MPT Pay, Sai Sai Pay, One Pay, M-Pitesan), the MPU card network, and international card schemes (Visa, MasterCard, JCB) — through a single REST API integration. Merchants can also onboard via a self-serve portal, prebuilt hosted checkout form, or WooCommerce plugin, and manage all transactions, settlement, and provider configuration from a unified dashboard. Vertical-specific solutions are offered for e-commerce, social commerce, and microfinance loan-repayment collection, with an add-on online invoicing feature.

Product overview

Dinger offers a unified payment gateway platform for businesses in Myanmar, allowing acceptance of 20+ digital payment methods (mobile banking, e-wallets, and cards) through a single API. The core Dinger Payment Gateway serves as the central platform, complemented by specialized solutions for Ecommerce, Social Merchant, and Microfinance sectors. Online Invoicing adds billing management capabilities, while a WooCommerce Plugin extends functionality to WordPress merchants. All services are managed through the Merchant Dashboard with real-time transaction monitoring and reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Dinger Payment Gateway A unified payment platform that enables businesses in Myanmar to accept digital payments from 20+ banks and digital wallets (KBZ, Wave Pay, AYA Pay, MPU, True Money, Visa, MasterCard, JCB, and others) through a single API integration. Designed for e-commerce, social merchants, microfinance institutions, and SMEs with no-code onboarding options.
• Ecommerce Payment Solution Payment solution tailored for online stores, enabling fast and secure transactions with accurate records and quick settlement times for businesses with high transaction volumes.
• Microfinance Payment Platform Unified payment platform designed for microfinance companies to manage loan repayments across multiple banks and digital wallets, with integrated tracking and settlement.
• Social Merchant Payment Payment solution for social media-based merchants (primarily Facebook sellers) enabling secure checkout with a unified dashboard, designed for sellers without a traditional e-commerce website.
• Online Invoicing Digital invoicing feature priced at 60,000 MMK/month (minimum 6-month contract) that allows businesses to create customized invoices, track billing status, send direct emails to clients, and accept instant digital payments.
• WooCommerce Plugin Official Dinger Payment Plugin for WooCommerce enabling WordPress-based merchants to accept payments via KBZ I Banking, KBZ Pay, AYA Pay, Wave Pay, MPU, Citizens, One Pay, Sai Sai Pay, M-Pitesan, Visa, Master, and JCB. Distributed as a downloadable install package with setup guide.

Quantifiable outcome

• Over 1 billion MMK in total transaction volume processed on the platform
• +6 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature7 records

Partnerships

18 partnerships are on record, tiered core and secondary.

• KBZ Bank / KBZ PaycoreTechnology or Integration · 1 March 2020Key banking and digital wallet integration partner. KBZ Bank Mobile Banking and KBZ Pay are primary payment channels on Dinger's platform, enabling QR, PWA (Progressive Web App), and direct pay methods for merchants and customers.
• Wave PaycoreTechnology or IntegrationWave Pay is integrated as a payment channel on the Dinger gateway, allowing customers to make PIN-based payments through the Wave Pay mobile wallet.
• True Money MyanmarcoreTechnology or IntegrationTrue Money e-wallet is integrated as a payment option on Dinger, providing an additional digital wallet channel for merchants.
• AYA PaycoreTechnology or IntegrationAYA Pay is integrated on the Dinger platform, supporting QR and PIN-based payment methods for AYA Bank customers.
• MPU (Myanmar Payment Union)coreTechnology or IntegrationMPU card network enables OTP-based payment processing on Dinger for cardholders with MPU debit/credit cards.
• Citizens PaycoreTechnology or IntegrationCitizens Bank's digital payment service integrated as a PIN-based payment channel on the Dinger platform.
• Mytel PaysecondaryTechnology or IntegrationMytel Pay (telco wallet from Myanmar telco operator Mytel) integrated as a PIN-based payment option on Dinger.
• Visa / MasterCard / JCBcoreTechnology or IntegrationInternational card networks (Visa, MasterCard, JCB) are integrated on Dinger for OTP-based online card transactions, enabling international payment acceptance for Myanmar merchants.
• WooCommercecoreTechnology or IntegrationOfficial WooCommerce plugin developed by Dinger, enabling WordPress/WooCommerce store owners to accept payments via KBZ, Wave, AYA, MPU, Visa, Master, JCB and other supported methods through a native plugin integration.
• IT Firms and Marketing AgenciessecondaryChannel Partner/ Reseller/ DistributorDinger builds partnerships with IT firms and marketing agencies to solve the payment challenges of their clients. Agencies can introduce Dinger's payment solutions to their client businesses without requiring technical implementation from the merchant.
• MAB Mobile BankingsecondaryTechnology or IntegrationMAB (Myanmar Agricultural Development Bank) mobile banking integrated as an OTP-based web redirect payment method on Dinger.
• MPT PaysecondaryTechnology or IntegrationMPT Pay (mobile wallet from MPT telecom) is integrated as a PIN-based payment option on Dinger.
• OK DollarsecondaryTechnology or IntegrationOK Dollar e-wallet is integrated as a PIN-based payment method on Dinger.
• CB PaysecondaryTechnology or IntegrationCB Pay (City Bank mobile payment) integrated as a QR-based payment channel on Dinger.
• UAB PaysecondaryTechnology or IntegrationUAB Pay (United Amara Bank digital service) is integrated with a PIN-based notification payment flow on Dinger, including phone number verification API.
• One PaysecondaryTechnology or IntegrationOne Pay wallet is integrated as a PIN-based notification payment option on the Dinger gateway.
• Sai Sai PaysecondaryTechnology or IntegrationSai Sai Pay (UAB wallet) is integrated with a PIN-based notification payment flow on Dinger, including phone number verification API.
• M-PitesansecondaryTechnology or IntegrationM-Pitesan mobile wallet is integrated as a PIN-based notification payment method on Dinger.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Wave Money: Myanmar mobile wallet provider integrated into Dinger's gateway that also offers direct merchant acceptance services. Comparable as both a channel partner and a potential competing payment provider within Myanmar's digital payments market.
• KBZ Pay: Myanmar's leading mobile wallet operated by KBZ Bank, both a key integration partner for Dinger and a potential competitor offering direct merchant acceptance. Comparable as a Myanmar payment provider that Dinger aggregates but that could also disintermediate it.

Broad incumbents

• Razorpay: India-based payment gateway aggregator offering unified APIs across multiple payment methods with strong SMB focus. Comparable to Dinger in its SMB-targeted, multi-method aggregation approach but at vastly larger scale and with broader capabilities.
• Stripe: Global online payment gateway with developer-first API, hosted checkout, and broad payment-method support. Comparable to Dinger's product-led, API-first gateway approach but at global scale and serving enterprise-grade merchants.
• Adyen: Global payment processor offering unified commerce APIs that aggregate multiple payment methods worldwide. Comparable to Dinger's API-first gateway concept but operating at a much larger enterprise scale across many geographies.

Direct peers

• iPay88: Malaysia-based payment gateway aggregator that consolidates multiple local and regional payment methods into one integration for merchants. Closely comparable to Dinger's single-API aggregation model serving a single-country Southeast Asian market.
• Paystack: Nigeria-based payment gateway acquired by Stripe that aggregates multiple African payment methods through a single API. Comparable to Dinger in its emerging-market focus, API-first model, and rapid early-stage merchant growth.
• 2C2P: Thailand-headquartered payment gateway operating across Southeast Asia that aggregates multiple payment methods for merchants through a unified API. Highly comparable to Dinger's single-API, multi-provider aggregation model in an emerging Asian market context.
• Cellulant: Pan-African payment gateway aggregator offering a single API to access multiple local payment methods across emerging markets. Comparable to Dinger in its aggregator model targeting unbanked and underbanked merchants in fragmented payment landscapes.
• Omise (Opn): Thailand-based payment gateway serving merchants across Southeast Asia with unified payment API and dashboard. Closely comparable to Dinger in business model (API-first, multi-method aggregation) and emerging-market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/dingerfintech
• LinkedInlinkedin.com/company/dinger

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dinger