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Top 6 WooCommerce Payment Gateways in Bangladesh

Top 6 WooCommerce Payment Gateways in Bangladesh: A Simple Comparison Guide (2025)

Online shopping is growing fast in Bangladesh. More people buy things on the internet every day. If you run an online store with WooCommerce, you need a way for customers to pay you. That’s where payment gateways come in.

Picking the right payment gateway is important. It affects how easy it is for customers to buy from you. It also affects how much money you keep after fees. This guide will help you understand your options and pick the best one for your store.

What is a Payment Gateway?

A payment gateway is like a digital cash register. When a customer buys something from your online store, the payment gateway moves money from their account to yours. It keeps the payment information safe. It makes sure everything works smoothly.

Think of it as a bridge. It connects your customer’s wallet to your bank account. Without this bridge, you can’t sell online.

Why Your Choice Matters

The payment gateway you pick affects three big things:

Customer trust – People buy more when they see payment options they know and trust.

Your profits – Every gateway charges fees. These fees add up quickly.

Payment options – Some gateways let customers pay with bKash. Others accept credit cards or bank transfers. More options usually mean more sales.

What to Look for in a Payment Gateway

Before we compare different options, let’s talk about what matters most.

Transaction Fees

This is the money you pay each time someone buys from your store. Most gateways charge:

  • A percentage of each sale (like 2% or 3%)
  • A flat fee per transaction (like 5 taka)
  • Sometimes both

Lower fees mean more money in your pocket.

Payment Methods

Different customers like to pay different ways . The best gateways support:

  • Mobile banking (bKash, Nagad, Rocket)
  • Credit and debit cards
  • Bank transfers
  • Sometimes international payments

More payment options usually mean more sales.

How Easy is Setup?

Some gateways are easy to set up. You can do it yourself in an hour. Others need a developer. They take days or weeks.

Think about your tech skills. Pick something you can handle.

Security

Your payment gateway must keep customer information safe. Look for:

  • SSL certificate support
  • PCI-DSS compliance (a security standard)
  • Fraud protection tools

Good security protects you and your customers.

How Fast Do You Get Paid?

Some gateways send money to your bank in 24 hours. Others take 3-7 days. If you need quick access to cash, settlement time matters.

Customer Support

When something goes wrong, you need help fast. Check if the gateway offers:

  • Phone support
  • Email support
  • Live chat
  • Support in Bangla

Top WooCommerce Payment Gateways in Bangladesh

Now let’s look at your main options. Each one has good things and weak points.

1. Moneybag

Moneybag is certified by Bangladesh Bank. They make setup fast and easy.

What You Get:

  • All major payment methods (cards, mobile banking, internet banking)
  • EMI (installment) payment options
  • Payment link sharing (send links via SMS, email, messenger)
  • Invoice creation for every transaction
  • Fast activation with minimal paperwork
  • SDK support for mobile apps (Android and iOS)

How Much It Costs:

  • Transaction fees are competitive with other gateways
  • No consultancy fees
  • No extra charges for managing multiple stores
  • Exact fees depend on your business type and volume

Good Things:

  • Very fast activation and setup
  • Help available 24/7
  • ISO certified for security and quality
  • Easy to connect with WooCommerce
  • Can manage multiple stores without extra cost
  • Real-time dashboard shows your business data
  • Risk management team watches for fraud
  • EMI options help increase sales

Not So Good:

  • Newer brand, not as well-known as older companies
  • Fewer customer reviews online
  • Still building market presence

Best For: Businesses that want fast setup, EMI options, and many payment methods with good support.

2. bKash Payment Gateway

bKash is the biggest mobile payment service in Bangladesh. Almost everyone knows it and uses it.

What You Get:

  • Access to millions of bKash users
  • Easy mobile payments
  • Fast transaction processing
  • Good brand trust

How Much It Costs:

  • Transaction fees range from 1.5% to 2%
  • No monthly fees for most accounts
  • Setup is usually free

Good Things:

  • Most Bangladeshi customers already use bKash
  • People trust the brand
  • Money reaches your account quickly
  • Simple for customers to use

Not So Good:

  • Fees are higher than some other options
  • Mostly for local payments only
  • Limited to mobile payments

Best For: Stores that sell mainly to Bangladeshi customers who prefer mobile payments.

3. SSLCommerz

SSLCommerz is Bangladesh’s largest payment gateway company. They offer many payment options in one package.

What You Get:

  • Credit and debit card payments
  • Mobile banking (bKash, Nagad, Rocket)
  • Internet banking
  • All major payment methods in Bangladesh
  • Strong security features

How Much It Costs:

  • Fees vary from 2% to 3.5% based on payment method
  • Setup fee around 3,000-5,000 taka
  • May have monthly fees for some plans

Good Things:

  • One setup gives you all payment options
  • Very secure and reliable
  • Good customer support
  • Clear setup instructions
  • Works with international cards

Not So Good:

  • Setup can be hard for beginners
  • Higher initial costs
  • Documentation process takes time

Best For: Medium to large stores that want to offer every payment option to customers.

4. Aamarpay

Aamarpay is a newer payment gateway gaining popularity. They focus on low prices.

What You Get:

  • Multiple payment methods
  • Easy WooCommerce connection
  • Simple dashboard to track payments
  • Quick approval process

How Much It Costs:

  • Transaction fees from 1.8% to 2.5%
  • Lower setup costs than SSLCommerz
  • No monthly fees for basic plans

Good Things:

  • Cheaper fees than bigger competitors
  • Fast approval and setup
  • Good customer service
  • Easy to understand dashboard

Not So Good:

  • Smaller company with less market presence
  • Fewer advanced features
  • Not as many connection options

Best For: Small and medium businesses looking for an affordable option with good support.

5. Nagad Payment Gateway

Nagad is run by the Bangladesh Post Office. It’s growing fast because of government backing.

What You Get:

  • Mobile payment focus
  • Government support and trust
  • Growing user base
  • Low pricing

How Much It Costs:

  • Transaction fees around 1.5% to 1.8%
  • Often runs special offers with lower fees
  • Usually no setup fee

Good Things:

  • Government backing makes people trust it
  • Lower fees than most competitors
  • Growing fast – more customers use it every month
  • Good for mobile-first customers

Not So Good:

  • Newer player in the market
  • Only mobile payments
  • Fewer features than older gateways

Best For: Stores targeting customers who prefer mobile payments and want lower fees.

6. Shurjopay

Shurjopay is backed by banks. They offer reliable payment processing.

What You Get:

  • Bank-backed system
  • Multiple payment options
  • Decent security features

How Much It Costs:

  • Fees range from 2% to 3%
  • Setup costs vary by business type

Good Things:

  • Bank backing provides stability
  • Reliable transaction processing
  • Good for businesses wanting traditional banking relationships

Not So Good:

  • Less flexible than other options
  • Approval process can be slower
  • Not as user-friendly

Best For: Businesses that value banking relationships and stability over new features.

Quick Comparison Chart

How to Choose the Right Gateway

For New and Small Businesses

If you’re just starting out:

  • Start simple – Pick Moneybag for easy setup or bKash/Nagad for mobile payments
  • Watch your budget – Lower fees matter more when starting
  • Easy setup – You probably don’t have a developer
  • Recommendation: Start with Moneybag for all-in-one solution or bKash for mobile-only

For Growing Businesses

If you’re selling more and expanding:

  • More options – Give customers multiple ways to pay
  • Think ahead – Pick something that can grow with you
  • Better features – You might need reports and EMI options
  • Recommendation: Try Moneybag or SSLCommerz for complete features

For Large Online Stores

If you’re doing high volume:

  • Everything available – Offer all payment methods
  • Good support – You need reliable help when problems come up
  • Advanced tools – Analytics and fraud protection matter
  • Recommendation: Moneybag or SSLCommerz for complete solutions with 24/7 support

For International Sales

If you sell outside Bangladesh:

  • Credit card support – International customers expect cards
  • Multi-currency – Some gateways handle different currencies
  • Recommendation: Moneybag or SSLCommerz handle international payments best

Tips for Setting Up Your Payment Gateway

Here are some helpful tips to make setup easier:

Test everything first – Most gateways offer a test mode. Use it before going live.

Get your SSL certificate – Your website needs HTTPS. This keeps payments secure.

Make checkout simple – Show payment options clearly. Don’t make customers hunt for them.

Start with one, add more later – You can always add more payment options as you grow.

Keep everything updated – Update your WooCommerce plugins regularly for security.

Have a backup plan – Consider having two payment gateways in case one has problems.

Final Thoughts

There’s no perfect payment gateway for everyone. The best choice depends on your business.

If you’re just starting: Go with Moneybag for fast setup and all payment options. Or pick bKash/Aamarpay if you want something simple and cheap.

If you want everything: Choose Moneybag or SSLCommerz. You get all payment options in one place.

If you want EMI options: Moneybag offers installment payments. This can help you sell more.

If you want the lowest fees: Try Nagad. Government backing and low costs are hard to beat.

If you serve different customers: Consider using two gateways. Maybe bKash for mobile customers and Moneybag or SSLCommerz for card payments.

The most important thing is to start. Pick one gateway and set it up. You can always add more options later. Watch how your customers pay. Change based on what they prefer.

Remember to check your payment gateway reports regularly. Look at which methods customers use most. This helps you make better decisions as your business grows.

Good luck with your online store!