payo49 Terms & Conditions

What You Agree to When You Open a payo49 Account

An account at payo49 is for one adult, 18 or over, using their own name and their own wallet. You confirm that the details you type are true and that the taka you deposit is yours to spend. Registration takes about a minute, and the rules below apply from the moment you press the button.

One person, one account

Each player may hold a single account, tied to one bKash, Nagad, Rocket or Upay number. A second account opened to claim the welcome bonus again is closed, the bonus is removed, and any winnings traced to it are voided. The deposits themselves are returned to the wallet they came from.

Names that must line up

The name on your payo49 account should match the name on the mobile wallet and on the ID you send us later. A mismatch is the most common reason a payout pauses, and it is usually fixed with one clear photo of your NID in live chat.

How to keep your account in good standing

Three things cause most suspensions: a shared password, a second account, and software playing on your behalf. None of them are worth the trouble.

Keep the password to yourself

Your login is personal. If someone else uses your account, the stakes are still yours, and we cannot reverse a round because a friend was holding the phone. Change the password from account settings if you think it has been seen.

Play the game the way it was built

Bots, scripts, scraping tools and stake-splitting between accounts are not allowed. When a game is played outside its normal rules, the rounds involved are voided and the account may be closed. Ordinary play with friends and family is fine.

Use it for yourself, not as a business

Accounts are for personal play. Running a betting service, reselling bonus credit, or taking stakes from other people through your account breaks these terms and ends the agreement.

Read the bonus rules before you opt in

Bonuses are optional. When you take one, the credit you receive is locked until the wagering is finished, and until then it cannot be withdrawn. The headline offer is a 140% first deposit bonus up to ৳16,500 with a 17x wagering requirement. Reload bonuses run at 16%, daily cashback returns 0.5% of the day's play, and a friend who registers on your referral earns you ৳275.

What counts toward wagering

Only real-money stakes on eligible games count. Bets placed with bonus credit count; bets on excluded tables do not, and a cancelled round never counts. If you withdraw before finishing the requirement, the remaining bonus and the winnings attached to it are removed.

One bonus at a time

A bonus must be cleared or cancelled before another can be claimed. Cashback is the exception: it is credited separately and does not block a reload from the next deposit.

Why documents are asked for before the first payout

The first withdrawal is the only one that needs paperwork. We confirm who is holding the account before money leaves it, which protects you if a phone is stolen and keeps payo49 inside its licence. A standard review takes up to 24 hours, and the first payout itself can add up to 2 hours on top of that.

Sending it safely

Documents go through live chat or the upload button in your account, never through a third party. If a photo is rejected, the message tells you which corner was missing or which edge was cut off, and you can send it again the same hour.

Where your money sits between deposit and withdrawal

A deposit lands in your payo49 balance, not in a game, and it stays there until you stake it. The minimum is ৳200 and the credit usually shows in about 5 minutes. Money placed on an open round is locked until that round settles.

Getting it back out

Withdrawals start at ৳1,300 and are paid to the wallet or bank account you deposited from. The base ceiling is ৳155,000 a day, and VIP tiers raise it. Once a request is approved, a mobile wallet receives the money in roughly 21 minutes.

When a balance is on hold

A balance is frozen in three situations: a bonus is still being wagered, a round is under review, or a document check is open. Live chat can tell you which one applies and what clears it.

How a disputed round is settled

If a result looks wrong, send the round ID and the time it happened. We read the provider's game log, and that log decides the outcome rather than a screenshot of the screen. Ezugi, Pragmatic Play, PG Soft, Evolution and Sexy Gaming all keep one for every round they deal. The answer comes back through live chat.

Closing your own account

You can close your account at any time by asking in live chat, and any cleared balance is paid out first. If you want a break rather than a closure, our responsible gaming page explains the limits and time-outs you can set yourself. Those take effect immediately.