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

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

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
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

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

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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