Top 10 Best Payment Gateways in Bangladesh

Get complete information on the best payment gateway service providers in Bangladesh.

Top-10-Payment-Gateways-Devathon

Top 10 payment gateways you should choose for your

E-Commerce store in Bangladesh?

Payment GatewaySSLCOMMERZPortWalletAamar SMEShurjaPayBttPayAuthorize.netPaySpace2CheckoutEasy Pay WayWalletmix
Setup FeeBDT 15,000Starter
BDT + 5,000 

Business
BDT+ 20,000

4 Types of plan

BDT 4,000 – BDT 15,000

Corporate
Setup – BDT 10,000
Integration – BDT 10,000 

Education
Setup – BDT 10,000
Integration – BDT 5,000

FreeFreeFreeFreeBasic – BDT 5,000
Starter – BDT 10,000
Professional – BDT 18,000
Corporate – BDT 20,000
NA
Annual feeFreeBusiness
BDT 24,000
FreeFreeFree$25 per monthFreeFreeBasic – Free
Starter – BDT 500
Professional – BDT 2,000
Corporate – BDT 2,500
NA
Commission per transactionVisa/Mastercard
2.5%Internet Banking/Other cards
2% – 4%
Credit/Debit Card
Starter – 3.8% + BDT 2
Business – 3.5% + BDT 1 

Net 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% + $2Per 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 acceptedVisa, Mastercard, DBBL NEXUS Cards, Islamic Bank Net Banking, Bank Asia Net Banking, Mutual Trust Bank Net Banking, City Bank/ Amex, DBBL Mobile Banking, BkashVisa, MasterCard, bKash, NexusbKash, Rocket, SureCash, Visa and MasterCard, qCashu, UnionPay, AmexAll Debit/Credit cards, Diners Club, Mx supported, Bangladesh Armed Forces, Dhaka WASA, Red Crescent, Internet bankingAll major Debit and Credit CardVisa, MasterCard, Discover, American Express, JCB, PayPal, Visa SRC, Apple Pay, Chase Pay, E-checkAll international credit/debit cardsAmerican Express, Visa, MasterCard, JCB, Neteller, PO, Skrill, Paypal, Bank TransferBangladeshi & International VISA, MASTER and NEXUS Debit/Credit CardAmerican 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 managementYesYesYesYesYesYesYesYesYesYes
Accepted CurrenciesBDT, EUR, GBP, AUD, USD, CADMulti-currency supportBDT onlySupports every currency100+ currenciesSupports every currencyMulti-currency support including Cryptocurrency
Available in 130+ countries
All major
Currencies
Payment handling in BDT; Multi-currency supportPayment handling in BDT; Multi-currency support
Set up typeOnlinePhysicalOnlineOnlineOnlineOnlineOnlineOnlineOnlineOnline
Onboarding & Approvals time1-2 daysNA24 hoursNALess than 10 days1 day1-30 days24-48 hoursNANA
Recurring BillingYesNoYesYesYesYesYesYesYesYes
Charges on RefundsNo Extra ChargeNo Extra ChargesNo Extra ChargesNo Extra ChargesNo extra chargesNo extra chargesNo extra chargesNo extra chargeNo extra chargeNo extra charge
SDK StacksAsp.net, Nodejs, Python, Cakephp, PHP, Java, LaravelJSON, PHP, iOS, AndroidLaravel, AndroidLaravel, Android, iOSJquery, JavaScript, PHP, Mobile SDKsNodejs, Java, PHP, Ruby, .net core, iOS, Python, C#, Android, WindowsPHP curl, JSONJava, Ruby, .net, C#, PythonPHP, iOSNo SDKs available
Settlement timeSame dayBi-Weekly1 week1 week15-30 daysEvery business dayDepends on the agreementWeekly – Transfer to Bank Account1 day1 week
Payouts supportNoNoYesNoNoYesNoYesNoNo
Split paymentsNoNoNoNoNoYesNoYesNoNo

1. Setup Fee

Payment GatewaySetup Fee
SSLCOMMERZBDT 15,000
PortWalletStarter
BDT + 5,000 

Business
BDT+ 20,000

Aamar SME4 Types of plan

BDT 4,000 – BDT 15,000

ShurjaPay

Corporate
Setup – BDT 10,000
Integration – BDT 10,000

Education
Setup – BDT 10,000
Integration – BDT 5,000

BttPayFree
Authorize.netFree
PaySpaceFree
2CheckoutFree
Easy Pay Way
Basic – BDT 5,000
Starter – BDT 10,000
Professional – BDT 18,000
Corporate – BDT 20,000
WalletmixNA

2. Annual fee

Payment GatewayAnnual fee
SSLCOMMERZFree
PortWalletBusiness
BDT 24,000
Aamar SMEFree
ShurjaPayFree
BttPayFree
Authorize.net$25 per month
PaySpaceFree
2CheckoutFree
Easy Pay Way
Basic – Free
Starter – BDT 500
Professional – BDT 2,000
Corporate – BDT 2,500
WalletmixNA

3. Commission per transaction

Payment GatewayCommission per transaction
SSLCOMMERZ

Visa/Mastercard
2.5%

Internet Banking/Other cards
2% – 4%

PortWallet
Credit/Debit Card
Starter – 3.8% + BDT 2
Business – 3.5% + BDT 1

Net Banking
Starter – 3% + BDT 2
Business – 2.5% + BDT 1

Aamar SMECard
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)

BttPay3.8% + $2
Authorize.netPer transaction 10¢,

Daily batch fee 10¢

PaySpace1.2% + 0.30$
2Checkout3.9 % + $0.45 USD

1.5% cross-border fee

Easy Pay Way
Basic – 6.5%
Starter – 5%
Professional – 3.90%
Corporate – As agreed
WalletmixVisa, MasterCard, DBBL – 2.5%
American Express, Easter Bank, Brac Bank – 3.5%
Qcash – 2.5%
Others – 1.90%

4. Payment methods accepted

Payment GatewayPayment methods accepted
SSLCOMMERZVisa, Mastercard, DBBL NEXUS Cards, Islamic Bank Net Banking, Bank Asia Net Banking, Mutual Trust Bank Net Banking, City Bank/ Amex, DBBL Mobile Banking, Bkash
PortWalletVisa, MasterCard, bKash, Nexus
Aamar SMEbKash, Rocket, SureCash, Visa and MaterCard, qCashu, UnionPay, Amex
ShurjaPayAll Debit/Credit cards, Dinners Club, Mx supported, Bangladesh Armed Forces, Dhaka WASA, Red Crescent, Internet banking
BttPayAll major Debit and Credit Card
Authorize.netVisa, MasterCard, Discover, American Express, JCB, PayPal, Visa SRC, Apple Pay, Chase Pay, E-check
PaySpaceAll International Credit/Debit cards
2CheckoutAmerican Express, Visa, MasterCard, JCB, Neteller, PO, Skrill, Paypal, Bank Transfer
Easy Pay WayBangladeshi & International VISA, MASTER and NEXUS Debit/Credit Card
WalletmixAmerican 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 GatewayFraud & Risk management
SSLCOMMERZYes
PortWalletYes
Aamar SMEYes
ShurjaPayYes
BttPayYes
Authorize.netYes
PaySpaceYes
2CheckoutYes
Easy Pay WayYes
WalletmixYes

6. Accepted currencies

Payment GatewayAccepted Currencies
SSLCOMMERZ
BDT, EUR, GBP, AUD, USD, CAD
PortWallet
Multi-currency support
Aamar SMEBDT only
ShurjaPay
Supports every currency
BttPay100+ currencies
Authorize.net
Supports every currency
PaySpaceMulti-currency support including Cryptocurrency
Available in 130+ countries
2CheckoutAll major
Currencies
Easy Pay WayPayment handling in BDT; Multi-currency support
WalletmixPayment handling in BDT; Multi-currency support

7. Set up type

Payment GatewaySet up type
SSLCOMMERZOnline
PortWalletPhysical
Aamar SMEOnline
ShurjaPayOnline
BttPayOnline
Authorize.netOnline
PaySpaceOnline
2CheckoutOnline
Easy Pay WayOnline
WalletmixOnline

8. Onboarding & Approvals time

Payment GatewayOnboarding & Approvals time
SSLCOMMERZ1-2 days
PortWalletNA
Aamar SME24 hours
ShurjaPayNA
BttPay
Less than 10 days
Authorize.net1 day
PaySpace1-30 days
2Checkout24-48 hours
Easy Pay WayNA
WalletmixNA

9. Recurring Billing

Payment GatewayRecurring Billing
SSLCOMMERZYes
PortWalletNo
Aamar SMEYes
ShurjaPayYes
BttPayYes
Authorize.netYes
PaySpaceYes
2CheckoutYes
Easy Pay WayYes
WalletmixYes

10. Charges on Refunds

Payment GatewayCharges on Refunds
SSLCOMMERZNo Extra Charge
PortWallet
No Extra Charges
Aamar SME
No Extra Charges
ShurjaPay
No Extra Charges
BttPayNo extra charges
Authorize.netNo extra charges
PaySpaceNo extra charges
2CheckoutNo extra charge
Easy Pay WayNo extra charge
WalletmixNo extra charge

11. SDK Stacks

Payment GatewaySDK Stacks
SSLCOMMERZAsp.net, Nodejs, Python, Cakephp, PHP, Java , Laravel
PortWallet
JSON, PHP, iOS, Android
Aamar SMELaravel, Android
ShurjaPay
Laravel, Android, iOS
BttPayJquery, JavaScript, PHP, Mobile SDKs
Authorize.netNodejs, Java, php, Ruby, .net core, iOS, python, C#, Android, Windows
PaySpacePHP curl, JSON
2CheckoutJava, Ruby, .net, C#, Python
Easy Pay WayPHP, iOS
Walletmix
No SDKs available

12. Settlement time

Payment GatewaySettlement time
SSLCOMMERZSame day
PortWalletBi-Weekly
Aamar SME1 week
ShurjaPay1 week
BttPay15-30 days
Authorize.net
Every business day
PaySpace
Depends on the agreement
2CheckoutWeekly – Transfer to Bank Account
Easy Pay Way1 day
Walletmix1 week

13. Payouts support

Payment GatewayPayouts support
SSLCOMMERZNo
PortWalletNo
Aamar SMEYes
ShurjaPayNo
BttPayNo
Authorize.netYes
PaySpaceNo
2CheckoutYes
Easy Pay WayNo
WalletmixNo

14. Split payments

Payment GatewaySplit payments
SSLCOMMERZNo
PortWalletNo
Aamar SMENo
ShurjaPayNo
BttPayNo
Authorize.netYes
PaySpaceNo
2CheckoutYes
Easy Pay WayNo
WalletmixNo

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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

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

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

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

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

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

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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