Knowledge connects us all.

USSD is a way of talking to your operator without internet, and each operator sets its own codes.

Dial *16001# from any operator’s number, or message 1600, to see the list.

A merchant payment pays a business account for a purchase — it is not a personal transfer.

Charges and limits change; the provider’s published schedule and the regulator’s rules are the only reliable sources.

A transaction ID uniquely identifies one transaction, and it is the key reference in any dispute.

Go to the provider first, then — if needed — through the regulator’s published complaint process.

Report it to the provider with the transaction details rather than chasing the number yourself.

A PIN and an OTP are the only proof a transaction needs — whoever knows them can move the money.

Three account types for three roles — the user, the service point, and the business taking payments.

P2P means moving money directly from one person’s mobile account to another person’s account.

Cash in puts physical money into your mobile account; cash out takes money out of it as cash.

MFS is mobile-account-based financial service, operating under Bangladesh Bank’s regulation.