Top 10 Best Payment Gateways in Bangladesh
Get complete information on the best payment gateway service providers in Bangladesh.
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| Payment Gateway | SSLCOMMERZ | PortWallet | AamarPay | ShurjaPay | BttPay | Authorize.net | PaySpace | 2Checkout | Easy Pay Way | Walletmix |
| Setup Fee | BDT 15,000 | Starter BDT + 5,000Business BDT+ 20,000 |
4 Types of plan BDT 4,000 – BDT 15,000 |
Corporate Setup – BDT 10,000 Integration – BDT 10,000Education Setup – BDT 10,000 Integration – BDT 5,000 |
Free | Free | Free | Free | Basic – BDT 5,000 Starter – BDT 10,000 Professional – BDT 18,000 Corporate – BDT 20,000 |
NA |
| Annual fee | Free | Business BDT 24,000 |
Free | Free | Free | $25 per month | Free | Free | Basic – Free Starter – BDT 500 Professional – BDT 2,000 Corporate – BDT 2,500 |
NA |
| Commission per transaction | Visa/Mastercard 2.5%Internet Banking/Other cards 2% – 4% |
Credit/Debit Card Starter – 3.8% + BDT 2 Business – 3.5% + BDT 1Net Banking Starter – 3% + BDT 2 Business – 2.5% + BDT 1 |
Card 2.55% – 3.25%bKash, Rocket, SureCash 1.85% – 2.1% |
Corporate MasterCard, Visa, Nexus – 2.5% Amerian Express – 3.5% Mobile Wallet – 2%Education – 1.5% (Except Nexus) |
3.8% + $2 |
Per transaction 10¢, Daily batch fee 10¢ |
1.2% + 0.30$ |
3.9 % + $0.45 USD 1.5% cross-border fee |
Basic – 6.5% Starter – 5% Professional – 3.90% Corporate – As agreed |
Visa, MasterCard, DBBL – 2.5% American Express, Easter Bank, Brac Bank – 3.5% Qcash – 2.5% Others – 1.90% |
| Payment methods accepted | Visa, Mastercard, DBBL NEXUS Cards, Islamic Bank Net Banking, Bank Asia Net Banking, Mutual Trust Bank Net Banking, City Bank/ Amex, DBBL Mobile Banking, Bkash | Visa, MasterCard, bKash, Nexus | bKash, Rocket, SureCash, Visa and MasterCard, qCashu, UnionPay, Amex | All Debit/Credit cards, Diners Club, Mx supported, Bangladesh Armed Forces, Dhaka WASA, Red Crescent, Internet banking | All major Debit and Credit Card | Visa, MasterCard, Discover, American Express, JCB, PayPal, Visa SRC, Apple Pay, Chase Pay, E-check | All international credit/debit cards | American Express, Visa, MasterCard, JCB, Neteller, PO, Skrill, Paypal, Bank Transfer | Bangladeshi & International VISA, MASTER and NEXUS Debit/Credit Card | American Express, BRAC bank, Visa, MasterCard, bKash, city bank, Trust bank, Eastern Bank, IFIC Bank, myCash, Mercantile Bank, FastCash, Qcash, Mobile Money, DBBL Nexus |
| Fraud & Risk management | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Accepted Currencies | BDT, EUR, GBP, AUD, USD, CAD | Multi-currency support | BDT only | Supports every currency | 100+ currencies | Supports every currency | Multi-currency support including Cryptocurrency Available in 130+ countries |
All major Currencies |
Payment handling in BDT; Multi-currency support | Payment handling in BDT; Multi-currency support |
| Set up type | Online | Physical | Online | Online | Online | Online | Online | Online | Online | Online |
| Onboarding & Approvals time | 1-2 days | NA | 24 hours | NA | Less than 10 days | 1 day | 1-30 days | 24-48 hours | NA | NA |
| Recurring Billing | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Charges on Refunds | No Extra Charge | No Extra Charges | No Extra Charges | No Extra Charges | No extra charges | No extra charges | No extra charges | No extra charge | No extra charge | No extra charge |
| SDK Stacks | Asp.net, Nodejs, Python, Cakephp, PHP, Java, Laravel | JSON, PHP, iOS, Android | Laravel, Android | Laravel, Android, iOS | Jquery, JavaScript, PHP, Mobile SDKs | Nodejs, Java, PHP, Ruby, .net core, iOS, Python, C#, Android, Windows | PHP curl, JSON | Java, Ruby, .net, C#, Python | PHP, iOS | No SDKs available |
| Settlement time | Same day | Bi-Weekly | 1 week | 1 week | 15-30 days | Every business day | Depends on the agreement | Weekly – Transfer to Bank Account | 1 day | 1 week |
| Payouts support | No | No | Yes | No | No | Yes | No | Yes | No | No |
| Split payments | No | No | No | No | No | Yes | No | Yes | No | No |
1. Setup Fee
| Payment Gateway | Setup Fee |
| SSLCOMMERZ | BDT 15,000 |
| PortWallet | Starter BDT + 5,000Business BDT+ 20,000 |
| AamarPay |
4 Types of plan BDT 4,000 – BDT 15,000 |
| ShurjaPay |
Corporate Education |
| BttPay | Free |
| Authorize.net | Free |
| PaySpace | Free |
| 2Checkout | Free |
| Easy Pay Way |
Basic – BDT 5,000
Starter – BDT 10,000 Professional – BDT 18,000 Corporate – BDT 20,000 |
| Walletmix | NA |
2. Annual fee
| Payment Gateway | Annual fee |
| SSLCOMMERZ | Free |
| PortWallet | Business BDT 24,000 |
| AamarPay | Free |
| ShurjaPay | Free |
| BttPay | Free |
| Authorize.net | $25 per month |
| PaySpace | Free |
| 2Checkout | Free |
| Easy Pay Way |
Basic – Free
Starter – BDT 500 Professional – BDT 2,000 Corporate – BDT 2,500 |
| Walletmix | NA |
3. Commission per transaction
| Payment Gateway | Commission per transaction |
| SSLCOMMERZ |
Visa/Mastercard Internet Banking/Other cards |
| PortWallet |
Credit/Debit Card
Starter – 3.8% + BDT 2 Business – 3.5% + BDT 1 Net Banking |
| AamarPay | Card 2.55% – 3.25%bKash, Rocket, SureCash 1.85% – 2.1% |
| ShurjaPay |
Corporate
MasterCard, Visa, Nexus – 2.5% Amerian Express – 3.5% Mobile Wallet – 2% Education – 1.5% (Except Nexus) |
| BttPay | 3.8% + $2 |
| Authorize.net |
Per transaction 10¢, Daily batch fee 10¢ |
| PaySpace | 1.2% + 0.30$ |
| 2Checkout |
3.9 % + $0.45 USD 1.5% cross-border fee |
| Easy Pay Way |
Basic – 6.5%
Starter – 5% Professional – 3.90% Corporate – As agreed |
| Walletmix | Visa, MasterCard, DBBL – 2.5% American Express, Easter Bank, Brac Bank – 3.5% Qcash – 2.5% Others – 1.90% |
4. Payment methods accepted
| Payment Gateway | Payment methods accepted |
| SSLCOMMERZ | Visa, Mastercard, DBBL NEXUS Cards, Islamic Bank Net Banking, Bank Asia Net Banking, Mutual Trust Bank Net Banking, City Bank/ Amex, DBBL Mobile Banking, Bkash |
| PortWallet | Visa, MasterCard, bKash, Nexus |
| AamarPay | bKash, Rocket, SureCash, Visa and MaterCard, qCashu, UnionPay, Amex |
| ShurjaPay | All Debit/Credit cards, Dinners Club, Mx supported, Bangladesh Armed Forces, Dhaka WASA, Red Crescent, Internet banking |
| BttPay | All major Debit and Credit Card |
| Authorize.net | Visa, MasterCard, Discover, American Express, JCB, PayPal, Visa SRC, Apple Pay, Chase Pay, E-check |
| PaySpace | All International Credit/Debit cards |
| 2Checkout | American Express, Visa, MasterCard, JCB, Neteller, PO, Skrill, Paypal, Bank Transfer |
| Easy Pay Way | Bangladeshi & International VISA, MASTER and NEXUS Debit/Credit Card |
| Walletmix | American Express, BRAC bank, Visa, MasterCard, bKash, city bank, Trust bank, Eastern Bank, IFIC bank, myCash, Mercantile Bank, FastCash, Qcash, Mobile Money, DBBL Nexus |
5. Fraud & Risk management
| Payment Gateway | Fraud & Risk management |
| SSLCOMMERZ | Yes |
| PortWallet | Yes |
| AamarPay | Yes |
| ShurjaPay | Yes |
| BttPay | Yes |
| Authorize.net | Yes |
| PaySpace | Yes |
| 2Checkout | Yes |
| Easy Pay Way | Yes |
| Walletmix | Yes |
6. Accepted currencies
| Payment Gateway | Accepted Currencies |
| SSLCOMMERZ |
BDT, EUR, GBP, AUD, USD, CAD
|
| PortWallet |
Multi-currency support
|
| AamarPay | BDT only |
| ShurjaPay |
Supports every currency
|
| BttPay | 100+ currencies |
| Authorize.net |
Supports every currency
|
| PaySpace | Multi-currency support including Cryptocurrency Available in 130+ countries |
| 2Checkout | All major Currencies |
| Easy Pay Way | Payment handling in BDT; Multi-currency support |
| Walletmix | Payment handling in BDT; Multi-currency support |
7. Set up type
| Payment Gateway | Set up type |
| SSLCOMMERZ | Online |
| PortWallet | Physical |
| AamarPay | Online |
| ShurjaPay | Online |
| BttPay | Online |
| Authorize.net | Online |
| PaySpace | Online |
| 2Checkout | Online |
| Easy Pay Way | Online |
| Walletmix | Online |
8. Onboarding & Approvals time
| Payment Gateway | Onboarding & Approvals time |
| SSLCOMMERZ | 1-2 days |
| PortWallet | NA |
| AamarPay | 24 hours |
| ShurjaPay | NA |
| BttPay |
Less than 10 days
|
| Authorize.net | 1 day |
| PaySpace | 1-30 days |
| 2Checkout | 24-48 hours |
| Easy Pay Way | NA |
| Walletmix | NA |
9. Recurring Billing
| Payment Gateway | Recurring Billing |
| SSLCOMMERZ | Yes |
| PortWallet | No |
| AamarPay | Yes |
| ShurjaPay | Yes |
| BttPay | Yes |
| Authorize.net | Yes |
| PaySpace | Yes |
| 2Checkout | Yes |
| Easy Pay Way | Yes |
| Walletmix | Yes |
10. Charges on Refunds
| Payment Gateway | Charges on Refunds |
| SSLCOMMERZ | No Extra Charge |
| PortWallet |
No Extra Charges
|
| AamarPay |
No Extra Charges
|
| ShurjaPay |
No Extra Charges
|
| BttPay | No extra charges |
| Authorize.net | No extra charges |
| PaySpace | No extra charges |
| 2Checkout | No extra charge |
| Easy Pay Way | No extra charge |
| Walletmix | No extra charge |
11. SDK Stacks
| Payment Gateway | SDK Stacks |
| SSLCOMMERZ | Asp.net, Nodejs, Python, Cakephp, PHP, Java , Laravel |
| PortWallet |
JSON, PHP, iOS, Android
|
| AamarPay | Laravel, Android |
| ShurjaPay |
Laravel, Android, iOS
|
| BttPay | Jquery, JavaScript, PHP, Mobile SDKs |
| Authorize.net | Nodejs, Java, php, Ruby, .net core, iOS, python, C#, Android, Windows |
| PaySpace | PHP curl, JSON |
| 2Checkout | Java, Ruby, .net, C#, Python |
| Easy Pay Way | PHP, iOS |
| Walletmix |
No SDKs available
|
12. Settlement time
| Payment Gateway | Settlement time |
| SSLCOMMERZ | Same day |
| PortWallet | Bi-Weekly |
| AamarPay | 1 week |
| ShurjaPay | 1 week |
| BttPay | 15-30 days |
| Authorize.net |
Every business day
|
| PaySpace |
Depends on the agreement
|
| 2Checkout | Weekly – Transfer to Bank Account |
| Easy Pay Way | 1 day |
| Walletmix | 1 week |
13. Payouts support
| Payment Gateway | Payouts support |
| SSLCOMMERZ | No |
| PortWallet | No |
| AamarPay | Yes |
| ShurjaPay | No |
| BttPay | No |
| Authorize.net | Yes |
| PaySpace | No |
| 2Checkout | Yes |
| Easy Pay Way | No |
| Walletmix | No |
14. Split payments
| Payment Gateway | Split payments |
| SSLCOMMERZ | No |
| PortWallet | No |
| AamarPay | No |
| ShurjaPay | No |
| BttPay | No |
| Authorize.net | Yes |
| PaySpace | No |
| 2Checkout | Yes |
| Easy Pay Way | No |
| Walletmix | No |
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Choosing the best Payment Gateway provider in Bangladesh
Choosing the best payment gateway provider for your eCommerce website is a tedious process. While choosing, you should ensure that customer payment experience is smooth, fast and secure. This helps to increase trust among the customers and come back to purchase other products or services in the future.
Here are six factors to consider before selecting the payment gateway:
Government Regulations
Payment gateway providers should be compliant with Bangladesh Payment and Settlement Systems Regulations, which is the key compliance by the government to regulate the operations and establishment of payment processes and services. Vendors must be PCI-DSS (Payment Card Industry Data Security Standards) certified while few providers such as SSLCOMMERZ, shurjoPay etc. are also Payment Systems Operator (PSO) licensed.
Multi-currency and International usage
Merchant who wants foreign transactions should integrate a gateway where the customers can make payment in any currency of their choice and the merchant can also receive payment in any currency of their choice. There are several payment gateway providers in Bangladesh that give customers an opportunity to pay in international currencies.
Safety & Security Features
Advanced fraud detection and secure customer data storage should be deployed to minimize risk to the merchant's business. Fraud prevention that contains continuous global threat monitoring components helps minimize costly chargebacks and manual review. Apart from that, Tokenization and other sensitive customer payment information must be stored on secure servers.
Required Documentation
Gateway providers need to provide a quick and easy onboarding process with hassle free documentation within the shortest terms. Merchants need to be given different integration options to choose from including HPP, API, MoTo, Mobile SDKs, various developer libraries and CMS plugins. Authorise.net and few others also provide a Documentation guide for integration into web based, mobile and desktop applications.
Payment and customer support
Merchants looking to accelerate their business growth need a payment gateway that support expansion as well as 24*7 customer support by real people to help in troubleshooting on a real time basis. Customer support service can be available in the form of e-mail, phone number and whatsapp while the turnaround time should be minimum.
Mobile App and CMS Support
Few payment gateway providers in Bangladesh also feature an Account Updater that enables customers to save billing, payment and shipping information on file for future orders and added ease of use. Gateways that have an optimized cross-platform mobile application payment kit is an added advantage that lets customers shop hassle free via a dedicated mobile app.
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