Online businesses in Bangladesh are growing rapidly. From e-commerce stores to SaaS platforms and digital services, businesses need secure systems to accept payments online. This is where payment gateways play a critical role.
A payment gateway allows websites and apps to accept payments via credit cards, debit cards, mobile financial services (MFS) like bKash and Nagad, and internet banking. These systems securely connect customers, banks, and merchants to process transactions quickly and safely.
In Bangladesh, several local fintech companies provide payment gateway services. Each gateway has different transaction fees, setup costs, integration time, and supported payment methods.
This guide covers the 10 best payment gateways available in Bangladesh, including pricing, setup time, features, and advantages to help you choose the right solution for your business.
What Is a Payment Gateway?
A payment gateway is a technology that processes online payments by transmitting transaction data between a merchant website, the payment processor, and the customer’s bank.
It ensures:
- Secure payment processing
- Fraud protection
- Payment verification
- Settlement of funds to the merchant account
Without a payment gateway, businesses cannot accept online card payments or mobile wallet payments through their website.
Top 10 Best Payment Gateways in Bangladesh
Below are the most reliable payment gateways currently available for Bangladeshi businesses.
1. SSLCOMMERZ
One of the most widely used payment gateways in Bangladesh is SSLCOMMERZ.
It supports cards, mobile financial services, and internet banking, making it one of the most comprehensive payment solutions in the country.
Pricing
- Setup Fee: Around ৳৳25,500 (one time)
- Monthly Fee: None
- Transaction Fee: ~2.5% per transaction (3.5% for AMEX)
- Settlement Time: 2–3 days
- Setup Time: 3–5 days
Supported Payments
- Visa
- MasterCard
- AMEX
- bKash
- Nagad
- Rocket
- Internet banking
Pros
- Supports 30+ payment methods
- Secure PCI-compliant infrastructure
- Ready plugins for WooCommerce and Shopify
- Used by thousands of businesses
Cons
- Higher setup cost for small startups
- Merchant approval process can take time
Best For
Large e-commerce platforms and marketplaces.
2. AamarPay
Another popular payment gateway is AamarPay, known for its lower setup cost and fast onboarding process.
Pricing
- Setup Fee: ৳4,000 – ৳15,000 (one time)
- Monthly Fee: None
- Card Transaction Fee: 2.55% – 3.25%
- Mobile Wallet Fee: 1.85% – 2.1%
Setup Time
2–4 days
Pros
- Lower initial cost
- Easy dashboard for merchants
- Quick merchant approval
- WooCommerce integration
Cons
- Smaller infrastructure compared to large providers
- Limited advanced analytics
Best For
Startups and small businesses.
3. ShurjoPay
ShurjoPay is a Bangladesh Bank licensed Payment System Operator (PSO) and offers secure online payment processing.
Pricing
- Setup Fee: Around ৳10,000 (one time)
- Monthly Fee: None
- Transaction Fee: ~2.5% for cards and ~2% for mobile wallets
Setup Time
3–7 days
Pros
- Reliable bank-backed system
- High security compliance
- Stable transaction processing
Cons
- Longer onboarding process
- Fewer plugins than competitors
Best For
Educational institutions and government projects.
4. PortWallet
PortWallet (PortPOS) is known for its developer-friendly API and modern payment infrastructure.
Pricing
- Setup Fee: ৳5,000 – ৳20,000 (one time)
- Annual Fee: ৳24,000
- Transaction Fee:
- Cards: 3.5% + ৳1
- Internet banking: 2.5% + ৳1
Setup Time
3–5 days
Pros
- Powerful API
- Good developer documentation
- Multi-currency support
Cons
- Annual fee
- Slightly higher transaction charges
Best For
SaaS platforms and tech startups.
5. Walletmix
Walletmix is another gateway widely used by small businesses and online stores.
Pricing
- Setup Fee: Often free or negotiable
- Monthly Fee: None
- Transaction Fee: 1.9% – 3.5% depending on payment method
Setup Time
1–3 days
Pros
- Fast integration
- Supports major cards and mobile banking
- Simple merchant dashboard
Cons
- Smaller ecosystem
- Limited international payment support
Best For
Small e-commerce stores.
6. EasyPayWay
EasyPayWay provides multiple payment plans depending on business size.
Pricing
- Setup Fee: ৳5,000 – ৳20,000 (one time)
- Annual Fee:
- Starter: ৳500
- Professional: ৳2,000
- Transaction Fee: 3.9% – 6.5%
Setup Time
3–5 days
Pros
- Flexible pricing plans
- Multiple payment options
- Good merchant support
Cons
- Higher transaction fees
- Less popular compared to major gateways
Best For
Medium-sized online businesses.
7. Moneybag
Moneybag is a modern payment gateway designed for startups and SMEs.
Pricing
- Setup Fee: ~৳10,000 (one time)
- Transaction Fee: ~1.8% – 2.4% depending on payment method
Setup Time
1–2 days
Pros
- Very fast onboarding
- Lower transaction fees
- Easy integration
Cons
- Newer brand in the market
- Limited third-party integrations
Best For
Startups and small online businesses.
8. UniquePay BD
UniquePay BD offers multi-currency payments and international payment routing.
Pricing
- Setup Fee: Custom pricing
- Transaction Fee: Custom
- Setup Time: 3–5 days
Pros
- Supports PayPal routing
- Multi-currency payments
- Useful for international clients
Cons
- Limited documentation
- Pricing not transparent
Best For
Businesses selling internationally.
9. 2Checkout (Verifone)
Global payment processor 2Checkout is commonly used by Bangladeshi SaaS companies.
Pricing
- Setup Fee: Free
- Monthly Fee: None
- Transaction Fee: 3.9% + $0.45 per transaction
Pros
- Global payments support
- Subscription billing
- Fraud protection tools
Cons
- Higher transaction fees
- Not optimized for local MFS payments
Best For
SaaS and digital product businesses.
10. FastSpring
Another global platform is FastSpring, mainly used for digital products.
Pricing
- Setup Fee: Free
- Transaction Fee: 5.9% + $0.95 or 8.9% per transaction
Pros
- Handles taxes and compliance
- Global payment coverage
- Subscription management
Cons
- High transaction fees
- Not ideal for local Bangladeshi customers
Best For
Software and SaaS companies.
11. bKash Merchant
Direct merchant solution for bKash payments in Bangladesh
bKash Merchant Pay allows businesses to receive payments directly from bKash users via mobile app or QR code. It’s ideal for small shops, online stores, and service providers who want instant MFS payment.
Pricing
- Transaction Fee: 1.5% – 2% per transaction (bKash Merchant)
- Settlement Time: Same day or next day depending on volume
- Setup Time: 1–3 days
Pros
- Instant payment from millions of bKash users
- Easy integration with website or mobile apps
- QR code or API-based payment options
- Low transaction fees
Cons
- Only supports bKash payments
- Limited reporting and analytics compared to full-fledged gateways
Best For
SMEs, freelancers, online sellers, and retail shops.
12. Nagad Merchant Pay
Nagad Merchant solution for accepting mobile payments
Nagad Merchant Pay is the official merchant solution for Nagad users, providing fast and secure mobile payments in Bangladesh.
Pricing
- Transaction Fee: 1.5% – 2% per transaction (Nagad Merchant)
- Settlement Time: Same day
- Setup Time: 1–3 days
Pros
- Accept payments from millions of Nagad users instantly
- API and QR code payment options
- Simple onboarding for businesses
- Low cost compared to full payment gateways
Cons
- Only supports Nagad payments
- Less suitable for international payments or card processing
Best For
Small and medium businesses, online shops, and service providers in Bangladesh.
Quick Comparison Table
| Gateway | Setup Cost | Monthly Fee | Transaction Fee | Supported Payment | Setup Time |
|---|---|---|---|---|---|
| SSLCOMMERZ | ৳25k | No | ~2.5% | Cards, bKash, Nagad, Rocket | 3–5 days |
| AamarPay | ৳4k–15k | No | 1.85–3.25% | Cards, bKash, Rocket | 2–4 days |
| ShurjoPay | ~৳10k | No | ~2–2.5% | Cards, Mobile wallets | 3–7 days |
| PortWallet | ৳5k–20k | ৳24k/year | ~3.5% | Cards, Net banking | 3–5 days |
| Walletmix | Free/Low | No | 1.9–3.5% | Cards, Mobile wallets | 1–3 days |
| EasyPayWay | ৳5k–20k | Some plans | 3.9–6.5% | Cards, Mobile wallets | 3–5 days |
| Moneybag | ~৳10k | No | ~2% | Cards, Mobile wallets | 1–2 days |
| UniquePay | Custom | Custom | Custom | Cards, Global | 3–5 days |
| 2Checkout | Free | No | 3.9%+$0.45 | Cards, Global | Instant |
| FastSpring | Free | No | 5.9–8.9% | Cards, Global | Instant |
| bKash Merchant | Free | No | 1.5–2% | bKash only | 1–3 days |
| Nagad Merchant | Free | No | 1.5–2% | Nagad only | 1–3 days |
How to Choose the Best Payment Gateway in Bangladesh
When selecting a payment gateway, consider the following factors:
1. Transaction Fees
Lower transaction fees help increase profit margins.
2. Payment Methods
Choose gateways that support:
- bKash
- Nagad
- Rocket
- Visa / MasterCard
- Internet banking
3. Integration Options
Look for gateways with:
- WooCommerce plugins
- API documentation
- Mobile SDKs
4. Settlement Time
Some gateways transfer funds within 1–3 days, while others take a week.
FAQs
The best payment gateways include SSLCOMMERZ, AamarPay, ShurjoPay, and PortWallet because they support multiple payment methods and provide reliable transaction processing.
Gateways like AamarPay and Moneybag often offer lower transaction fees, sometimes around 1.8% to 2.5% per transaction.
Most Bangladeshi gateways support these mobile wallets, including:
SSLCOMMERZ
AamarPay
Walletmix
ShurjoPay
Typically it takes 2–7 days, depending on document verification and API integration.
Yes. Most local gateways charge a one-time setup fee between ৳4,000 and ৳25,000, along with a percentage transaction fee.
The most commonly used WooCommerce gateways are:
SSLCOMMERZ
AamarPay
Walletmix
Final Thoughts
Choosing the right payment gateway is crucial for any online business in Bangladesh. The best option depends on your business model, budget, and target customers.
- SSLCOMMERZ → Best overall solution
- AamarPay → Best for startups
- PortWallet → Best for developers and SaaS
- 2Checkout / FastSpring → Best for global payments
A reliable payment gateway improves customer trust, speeds up transactions, and helps businesses scale their online operations.
