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If you’re planning to dive into the world of e-commerce in Bangladesh, launch an edtech platform, or kickstart your dream startup, one thing is certain: you need a reliable online payment gateway.
Why? Because in today’s fast-paced digital world, having a secure and seamless way to accept payments is not just a convenience-it’s a necessity.
Whether you’re selling products, offering subscription-based services, or managing course enrollments, a payment gateway ensures smooth transactions, builds trust with your customers, and keeps your business running efficiently.
Let’s explore how the right payment gateway can be a game-changer for your business journey.
10 Best Payment Gateways in Bangladesh:
| Company | Setup Fee | Annual Fee | Commission | Payment Methods | Currencies Accepted | Recurring Billing |
|---|---|---|---|---|---|---|
| SSLCOMMERZ | BDT 15,000 | Free | 2.5% | Visa, MasterCard, bKash | BDT, EUR, USD | Yes |
| PortWallet | BDT 5,000 – 20,000 | BDT 24,000 | 2% – 4% | Visa, MasterCard, bKash | Multi-currency | No |
| AamarPay | BDT 4,000 – BDT 15,000 | Free | 2.55% – 3.25% | bKash, Rocket, Visa | BDT only | Yes |
| ShurjaPay | BDT 10,000 – 20,000 | Free | 1.85% – 2.1% | Visa, MasterCard, Amex | All currencies | Yes |
| BttPay | Free | Free | 2.5% – 3.5% | Visa, MasterCard | 100+ currencies | Yes |
| Authorize.net | Free | $25/month | 1.2% + 0.30$ | Visa, MasterCard, PayPal | Multi-currency | Yes |
| PaySpace | Free | Free | 3.9% + $0.45 | Visa, MasterCard, PayPal | Multi-currency | Yes |
| 2Checkout | Free | Free | 5% – 6.5% | Visa, MasterCard, PayPal | Multi-currency | Yes |
| Easy Pay Way | BDT 5,000 – 20,000 | BDT 500 – 2,500 | 2.5% – 3.5% | Visa, MasterCard, bKash | Multi-currency | Yes |
| Walletmix | NA | NA | 1.90% – 3.5% | Visa, MasterCard, bKash | Multi-currency | Yes |
1. SSLCommerz
SSLCommerz, established in 2009, is the pioneer and largest payment gateway in Bangladesh. It has played a pivotal role in shaping the online payment landscape in the country.
With over 20,000 merchants onboard, SSLCommerz ensures seamless integration and top-notch security. Its robust infrastructure and continuous innovation have made it a preferred choice for businesses of all sizes.
From small startups to large corporations, SSLCommerz caters to a wide range of industries, offering tailored solutions to meet specific business needs.
Its support for multiple currencies and payment methods further adds to its appeal, enabling businesses to expand their reach both locally and internationally.
Key Features
- Setup Fee: BDT 15,000
- Annual Fee: Free
- Commission per Transaction: Visa/Mastercard – 2.5%, Internet Banking/Other Cards – 2%-4%
- Payment Methods Accepted: Visa, Mastercard, DBBL Nexus Cards, bKash, Rocket, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: BDT, EUR, GBP, AUD, USD, CAD
- Settlement Time: Same day
- SDK Stacks: Asp.net, Nodejs, Python, Cakephp, PHP, Java, Laravel
2. AamarPay
Launched in 2016, AamarPay has quickly gained traction as a trusted payment gateway in Bangladesh. Its user-friendly platform and secure transaction features make it a popular choice among e-commerce businesses.
AamarPay stands out for its commitment to providing affordable and reliable payment solutions, making it ideal for small to medium-sized enterprises.
Additionally, the gateway offers seamless integration with various platforms, ensuring that businesses can start accepting payments with minimal hassle. The company’s focus on customer satisfaction and continuous improvements has solidified its position as a key player in the industry.
Key Features
- Setup Fee: Starter – BDT 4,000, Business – BDT 15,000
- Annual Fee: Business – BDT 24,000
- Commission per Transaction: Starter – 3.8% + BDT 2, Business – 3.5% + BDT 1
- Payment Methods Accepted: Visa, Mastercard, bKash, Rocket, SureCash
- Fraud & Risk Management: Yes
- Accepted Currencies: BDT only
- Settlement Time: Bi-weekly
- SDK Stacks: JSON, PHP, iOS, Android
3. ShurjoPay
ShurjoPay, developed by ShurjoMukhi Limited in 2014, has emerged as a secure and innovative payment gateway in Bangladesh.
Known for its versatile features and reliable services, ShurjoPay caters to businesses seeking a trustworthy solution for online transactions. Its streamlined processes and emphasis on security make it a favorite among merchants.
ShurjoPay’s ability to handle high transaction volumes without compromising on speed or efficiency has made it a go-to choice for many e-commerce platforms. Furthermore, its competitive pricing and excellent customer support have helped it build a strong reputation in the market.
Key Features
- Setup Fee: Corporate – Setup BDT 10,000, Integration BDT 10,000; Education – Setup BDT 10,000, Integration BDT 5,000
- Annual Fee: Free
- Commission per Transaction: Card – 2.55%-3.25%, bKash/Rocket/SureCash – 1.85%-2.1%
- Payment Methods Accepted: Visa, Mastercard, bKash, Rocket, SureCash, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: Supports every currency
- Settlement Time: 1 week
- SDK Stacks: Laravel, Android
4. 2Checkout
Established in 2000, 2Checkout is a global payment gateway that offers its services to businesses in Bangladesh as well. Known for its flexibility and ease of integration, 2Checkout supports a wide range of payment methods and currencies, making it ideal for businesses with international customers.
The platform is designed to provide a seamless checkout experience, which helps in reducing cart abandonment rates. Additionally, its robust fraud prevention system ensures secure transactions, making it a trusted choice for e-commerce merchants worldwide.
Key Features
- Setup Fee: Free
- Annual Fee: $25 per month
- Commission per Transaction: 3.8% + $2
- Payment Methods Accepted: Visa, Mastercard, Discover, PayPal, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: 100+ currencies
- Settlement Time: Weekly
- SDK Stacks: Nodejs, Java, PHP, Ruby, .net core, iOS, Python, C#, Android
5. PortWallet
PortWallet is a leading advanced payment gateway tailored for the Bangladeshi market. It offers a single API that connects various payment methods, including Visa, Mastercard, Nexus, and bKash. PortWallet’s user-centric design and advanced technology ensure a smooth transaction experience.
Its focus on providing an all-in-one solution for businesses has made it a preferred choice for many merchants.
Moreover, PortWallet’s commitment to innovation and customer satisfaction has set it apart as a reliable partner for businesses looking to grow.
Key Features
- Setup Fee: Free
- Annual Fee: Free
- Commission per Transaction: 3%-4%
- Payment Methods Accepted: Visa, Mastercard, bKash, Nexus
- Fraud & Risk Management: Yes
- Accepted Currencies: Supports every currency
- Settlement Time: 1 week
- SDK Stacks: Laravel, Android, iOS
6. BttPay
BttPay is an affordable payment gateway that offers the lowest transaction charges in the market. With no setup, monthly, or annual fees, BttPay is an attractive option for small businesses and startups. Its simple and transparent pricing structure, combined with its reliable services, has made it a popular choice among cost-conscious merchants.
BttPay’s focus on providing value for money without compromising on quality makes it a standout player in the payment gateway space.
Key Features
- Setup Fee: Free
- Annual Fee: Free
- Commission per Transaction: 3.8% + BDT 2
- Payment Methods Accepted: All major debit and credit cards
- Fraud & Risk Management: Yes
- Accepted Currencies: Multi-currency support
- Settlement Time: 15-30 days
- SDK Stacks: Jquery, JavaScript, PHP, Mobile SDKs
7. Authorize.net
Authorize.net is a globally recognized payment gateway that supports businesses in Bangladesh. It enables merchants to accept credit card and eCheck payments online, in person, and via mobile devices.
With its robust fraud prevention tools and versatile payment options, Authorize.net ensures secure and efficient transactions. The platform’s ability to handle various payment methods and currencies makes it a great choice for businesses targeting international customers.
Key Features
- Setup Fee: Free
- Annual Fee: Per transaction 10¢, Daily batch fee 10¢
- Commission per Transaction: 1.2% + $0.30
- Payment Methods Accepted: Visa, Mastercard, Discover, American Express, JCB, PayPal, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: Available in 130+ countries
- Settlement Time: Every business day
- SDK Stacks: PHP curl, JSON
8. PaySpace
PaySpace offers a cloud-native payroll and HR solution that also functions as an online payment gateway. Its versatility and ease of use have made it a popular choice for businesses across various industries.
PaySpace’s ability to handle both local and international transactions efficiently makes it a valuable tool for businesses looking to streamline their operations. Additionally, its advanced security features ensure that all transactions are processed safely.
Key Features
- Setup Fee: Free
- Annual Fee: Free
- Commission per Transaction: 3.9% + $0.45 USD
- Payment Methods Accepted: American Express, Visa, Mastercard, JCB, Neteller, Skrill, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: All major currencies
- Settlement Time: Depends on the agreement
- SDK Stacks: Java, Ruby, .net, C#, Python
9. Easy Pay Way
Easy Pay Way specializes in providing online payment solutions tailored for Bangladeshi businesses. Its focus on simplicity and efficiency has made it a popular choice among local merchants.
Easy Pay Way supports a wide range of payment methods, ensuring that businesses can cater to diverse customer preferences. The platform’s affordable pricing and excellent customer support make it an attractive option for small to medium-sized enterprises.
Key Features
- Setup Fee: Basic – BDT 5,000, Starter – BDT 10,000, Professional – BDT 18,000, Corporate – BDT 20,000
- Annual Fee: Basic – Free, Starter – BDT 500, Professional – BDT 2,000, Corporate – BDT 2,500
- Commission per Transaction: Basic – 6.5%, Starter – 5%, Professional – 3.9%, Corporate – As agreed
- Payment Methods Accepted: Bangladeshi and international debit/credit cards
- Fraud & Risk Management: Yes
- Accepted Currencies: Payment handling in BDT; Multi-currency support
- Settlement Time: 1 day
- SDK Stacks: PHP, iOS
10. Walletmix
Walletmix is a comprehensive payment gateway solution that offers online payment integration, mobile app development, and web application development. It is designed to cater to businesses of all sizes, providing reliable and efficient payment processing services.
Walletmix’s ability to support multiple payment methods and currencies makes it a versatile choice for businesses aiming to expand their reach. The platform’s focus on innovation and customer satisfaction has earned it a solid reputation in the industry.
Key Features
- Setup Fee: Free
- Annual Fee: Free
- Commission per Transaction: Visa/Mastercard – 2.5%, Others – 1.9%
- Payment Methods Accepted: American Express, BRAC Bank, Visa, Mastercard, bKash, and more
- Fraud & Risk Management: Yes
- Accepted Currencies: Payment handling in BDT; Multi-currency support
- Settlement Time: 1 week
- SDK Stacks: No SDKs available
Which Payment Method Is Available in Bangladesh?
Bangladesh offers a wide range of payment methods suitable for both businesses and consumers. Popular options include mobile financial services like bKash, Nagad, and Rocket, which dominate the local market due to their convenience and reliability.
Additionally, debit and credit cards from Visa, Mastercard, and DBBL Nexus are widely accepted. For international transactions, Payoneer and Skrill are commonly used. Payment gateways such as SSLCommerz, AamarPay, and ShurjoPay bridge the gap for businesses to accept payments from multiple sources securely.
Which Is the Safest Payment Gateway?
When it comes to security, SSLCommerz is widely regarded as the safest payment gateway in Bangladesh. It employs robust encryption technologies and fraud prevention systems to protect both merchants and customers. Additionally, its compliance with global security standards ensures reliable and secure transactions.
ShurjoPay is another secure option, offering advanced risk management tools and efficient fraud detection mechanisms. Choosing a gateway with a proven track record of safety is essential for protecting sensitive financial data and ensuring customer trust.
Is Google Pay Used in Bangladesh?
Currently, Google Pay is not officially available in Bangladesh. However, some users manage to link their international credit or debit cards to access limited features of Google Pay. For local transactions, mobile wallets like bKash and Nagad remain the go-to alternatives.
The absence of Google Pay hasn’t significantly affected the digital payment landscape, as Bangladeshi users have plenty of reliable local options.
What Is the Alternative to PayPal in Bangladesh?
As PayPal is not fully operational in Bangladesh, alternatives like Payoneer, Skrill, and Wise (formerly TransferWise) have become popular for international payments. These platforms allow users to receive payments from abroad and withdraw funds to local bank accounts or mobile wallets.
For domestic transactions, bKash and Nagad serve as efficient and widely used substitutes, catering to both personal and business needs.
Which Method Is Best for Online Payment?
The best method for online payment in Bangladesh depends on the nature of the transaction. For small-scale or domestic transactions, mobile wallets like bKash and Nagad are fast, secure, and user-friendly. For larger or international transactions, payment gateways like SSLCommerz and ShurjoPay provide comprehensive solutions with multiple payment options, including credit cards and mobile banking.
Businesses looking to streamline their online payments should consider factors like transaction fees, integration options, and settlement times when choosing the best method.
Can I Use Stripe in Bangladesh?
Unfortunately, Stripe is not officially available in Bangladesh as of now. However, some businesses use workaround methods, such as registering Stripe accounts in other supported countries, to process international payments.
While this approach works, it may involve additional complexities and risks. For local transactions, payment gateways like SSLCommerz or international services like Payoneer can serve as viable alternatives.
Conclusion
And there you have it—a curated list of the 10 best payment gateways in Bangladesh. Whether you’re looking for affordability, reliability, or versatility, there’s something on this list for every business.
Remember, the right payment gateway can make or break your e-commerce journey, so choose wisely. If you’re still unsure, start with a trial run or consult an expert.
After all, in the fast-paced world of online business, staying ahead means investing in tools that truly work for you. So, what’s stopping you? Take the next step and empower your business today!
