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10 Best Payment Gateways in Bangladesh

10 Best Payment Gateways in Bangladesh

Online payments in Bangladesh are growing fast. More people shop online and use mobile wallets. For business owners, picking the right payment gateway is important. It helps you accept payments from customers—via cards, mobile wallets, or bank transfers.

In this guide, we compare the 10 best payment gateways in Bangladesh. You’ll see what each one offers, how they work, and which one might fit your business best.


Quick Comparison Table


How We Picked These Gateways

We selected these payment gateways by looking at:

  • Support for local payment methods (cards, mobile wallets like bKash, Nagad)
  • Setup time and ease of go-live
  • Clear and reasonable pricing
  • Security and compliance
  • Good user reviews & merchant features

All listed gateways operate in Bangladesh and provide services for businesses.


Top 10 Payment Gateways in Bangladesh


1. Moneybag

Moneybag is a modern, fully-licensed payment gateway in Bangladesh. It supports cards, mobile wallets (bKash, Nagad, Rocket, Upay), bank transfers, and more.
Pros:

  • Accepts many payment types in one integration.
  • Next-day settlement (in many cases) for faster cash flow.
  • Easy setup: they state “5-minute quick setup”.
    Cons:
  • As a newer provider, you might face fewer user-reviews compared with long-standing gateways.
  • Always check exact contract terms (some rates may vary).
    Best for: Startups, online stores that want one gateway for cards + wallets + transfers.


2. SSLCOMMERZ

SSLCOMMERZ is one of the largest and most trusted gateways in Bangladesh. It supports a wide range of payments.
Pros: Good for full e-commerce sites, has strong brand trust.
Cons: Setup fees or higher fees may apply for smaller merchants.
Best for: Medium to large online businesses.


3. bKash (Merchant)

bKash is very popular as a mobile wallet in Bangladesh. Their merchant solution lets you accept bKash payments online.
Pros: Very high penetration among customers; mobile wallet checkout is easy.
Cons: Only supports bKash mobile wallet, not cards.
Best for: Small online stores or freelancers who mostly get mobile wallet payments.


4. Nagad (Merchant Pay)

Nagad is growing fast, and now offers online merchant payment services.
Pros: Low transaction fees; good for local business.
Cons: Limited card/international payments.
Best for: Local e-commerce sites, small shops.


5. ShurjoPay

ShurjoPay is a licensed gateway that supports cards, wallets, and recurring payments.
Pros: Good for businesses needing compliance and card + wallet support.
Cons: Setup might take a few days; integration cost may be higher.
Best for: Online retailers with broader payment needs.


6. PortWallet

PortWallet supports a mix of local and international payments, APIs for developers.
Pros: Good dashboard, developer friendliness.
Cons: Slightly higher costs than purely local gateways.
Best for: Startups, SaaS platforms, tech-driven businesses.


7. AamarPay

AamarPay is a local gateway that supports Visa, MasterCard and mobile wallets.
Pros: Fast approval process, user friendly.
Cons: Support may lag when traffic is high.
Best for: Small and medium businesses with moderate online sales.


8. WalletMix

WalletMix supports cards, wallets and bank transfers, and has some good reporting features.
Pros: Useful tools for data and analytics.
Cons: Setup might take slightly longer.
Best for: Growing businesses and service firms.


9. EasyPayWay

EasyPayWay supports card and bank payments. It also offers flexible integrations.
Pros: Works with multiple banks; good for service businesses.
Cons: Interface and brand recognition less strong than top players.
Best for: Service-based sites and agencies.


10. 2Checkout (now Verifone)

2Checkout is an international gateway option used by Bangladeshi merchants wanting global reach.
Pros: Good for cross-border sales and digital products.
Cons: Higher fees; settlement may be slower; may require more compliance.
Best for: Businesses selling digital goods abroad.

How to Choose the Right Gateway for Your Business

Here are some simple questions to ask:

  • What payment methods do my customers use? (Cards vs mobile wallets vs bank transfer)
  • What are the transaction and setup fees?
  • How fast do I get paid (settlement time)?
  • How easy is integration with my website/app (WooCommerce, Shopify, custom)?
  • Does the gateway provide good support and easy refunds/disputes?

If you run a small store with mostly mobile wallet users, a gateway like bKash merchant or Moneybag may serve you well. If you operate a large e-commerce site, or need card + wallet + bank options, gateways like Moneybag, SSLCOMMERZ or ShurjoPay may be better.


Integration & Technical Tips

  • Many gateways support plugins for platforms like WordPress + WooCommerce. For example, Moneybag has an official WooCommerce plugin.
  • If you use a custom site or app, check that the gateway offers an API or SDK. Moneybag offers REST APIs, SDKs for Node.js and PHP.
  • Test your checkout in a sandbox environment before going live. Make sure flow, error handling and refunds work well.


Fees and Settlement Overview

  • Gateway fees in Bangladesh typically range from 1.5% to 3.5% per transaction depending on method (card vs mobile wallet) and volume.
  • Some gateways ask for a setup fee or monthly fee; others may have none for small merchants.
  • Settlement (when you receive money) can be same day, T+1 (next day) or T+2/T+3 business days depending on provider. For example, Moneybag offers next-day settlement in many cases.
  • Always check the provider’s fine print for hidden fees (refunds, chargebacks, cross-border).


FAQs


Which payment gateway is best for small online stores?

If you’re just starting and mostly customers use mobile wallets, Moneybag or a mobile-wallet-only gateway like bKash Merchant may be easiest and most affordable.


Can I accept both cards and bKash payments on the same checkout?

Yes. Gateways like Moneybag, SSLCOMMERZ and ShurjoPay support both card payments and mobile wallets on a single checkout page.


How long does settlement take?

It depends. Many gateways pay out in 1–3 business days after the transaction. Some offer faster (next-day) options. For example, Moneybag states “Next-day settlement” on some plans.


Do I need PCI compliance if I use a gateway?

If you use a hosted checkout (customer is redirected to gateway’s page), your PCI scope is much smaller. If you manage cards directly, you’ll need full PCI-DSS. Moneybag notes hosted checkout reduces your PCI burden.


Can I use these gateways for subscriptions/recurring payments?

Some do support recurring billing (especially for SaaS or membership sites). You should check each provider’s features. For example, Moneybag’s documentation supports advanced transaction flows.


Conclusion

Choosing the right payment gateway in Bangladesh comes down to your business size, payment methods your customers prefer, and how quickly you need money settled.

  • If you need a full-service solution that handles cards + mobile wallets + bank transfers with fast settlement, Moneybag is an excellent starting point.
  • If your needs are smaller or more focused (mobile wallet only, local customers), options like bKash Merchant or Nagad Merchant Pay may fit better.
  • If you sell internationally or need global reach, consider gateways like 2Checkout.

Take your time, compare fees, test integrations, and choose the best one for your business. Good luck!