Every e-commerce store wants to provide a secure and smooth online payment transaction system to its customers. Payment gateways are a much-needed role behind the success of an e-commerce store. The E-commerce business is on the rise in Bangladesh.
As the field of online businesses continues expanding in Bangladesh, choosing the right payment gateway can become very helpful. A satisfied client base can boost the success of a business.
There are a quite lot of payment gateway options available in Bangladesh. Hence, choosing one among so many alternatives can be difficult. Hence, we have prepared this article with crucial information about the top 14 payment gateways in Bangladesh.
We will discuss their main features, gateway fees, and integration capabilities here so that you can check how compatible these payment gateways are with your business. As a result, you will be able to decide the right payment gateway for your business and have a satisfied client base.
Factors You May Consider While Choosing a Payment Gateway in Bangladesh
One right payment gateway can give your customers a smooth shopping experience. Along with that, if the payment can be done easily, it provides the customer with a sense of security. Hence, a smooth and secure payment gateway can impact an e-commerce store’s overall growth. That’s why you must consider the following factors while choosing a payment gateway in Bangladesh-
Fraud Protection and Security
Ensuring the safety of payment transactions is the main factor when choosing a payment gateway for your business. You need to check if the gateway follows the security standards like- PCI-DSS compliance, SSL encryption, tokenization, etc. This will protect your payment system from fraud and secure your business from any potential threat.
Seamless integration with E-commerce platforms
While choosing a payment gateway, remember to check if the payment gateway is compatible with your e-commerce store or online business. The ease of integration of a payment gateway can save you from many troubles.
Costing
Each payment gateway has its pricing structure. Setup, transaction, and monthly fees fall under this pricing structure. Examine the pricing structure of every payment gateway and choose the one which fits your budget. Don’t forget to check the currency conversion rate if your e-commerce store serves worldwide.
Customer support
The payment gateway may face any transaction-related issue at any time. Customers can find the solution easily if the payment gateway has active customer support. The customer support team should be available through email, phone, or live chat. Multiple support channels can decrease the number of customers waiting in the queue.
International transaction and currency support
If your e-commerce business serves customers worldwide, then you must choose a gateway that has an international transaction option available. You must check the list of supported currencies and countries. Moreover, you must check the additional rate that will be adjusted while converting the currency.
Not every factor discussed above will be available in a particular payment gateway. Hence, you may check and find the most suited one for your e-commerce business.
Top 14 Payment Gateways in Bangladesh
A payment gateway must provide secure and smooth online transactions so your e-commerce business can grow smoothly. It helps to build client trust. In this part, we will discuss the top 14 payment gateways in Bangladesh for your e-commerce business.
1. SSLCommerz
Website: sslcommerz.com
Established in 2010, SSLCommerz has become Bangladesh’s largest and most trusted payment gateway aggregator. It empowers over 13,600 digital commerce businesses and 150,000 retail stores by providing secure, scalable, and seamless payment solutions across web and mobile platforms.
SSLCommerz has created multiple features and services as part of its commitment to providing high-quality solutions. These services cater to the diverse and specific needs of various companies.
Features and Services of SSLCommerz
- Accepts a variety of payment methods, including Visa, Mastercard, American Express, mobile wallets (bKash, Rocket, Nagad, and others), and Internet banking.
- SSLCommerz is PCI-DSS degree 1 certified. This means it has the greatest degree of transaction security.
- Provides fraud detection and protection technologies such as 3D Secure and SSL encryption
- Provides a user-friendly dashboard for e-commerce businesses to monitor and manage transactions
Pros:
- Provides a variety of payment alternatives to accommodate all kinds of consumer preferences.
- It has a user-friendly interface to handle secure transactions and prevents fraud.
- They provide different costing plans based on the size and demands of the company.
Cons:
- Transaction costs for foreign cards might be quite high compared to rivals.
- Refunds or chargebacks may take some time to complete through the payment gateway.
2. AamarPay
Website: www.aamarpay.com
Now we will talk about another well-known payment gateway in Bangladesh, which is AamarPay. This gateway provides several features and services to ensure secure and smooth online transactions. Some e-commerce businesses in Bangladesh use this gateway.
AamarPay was founded in 2016, and since then, it has established itself as a trusted alternative among e-commerce businesses looking for a dependable payment solution.
Features and Services of AamarPay
- Accepts multiple payment methods, including Visa, Mastercard, American Express, mobile wallets (bKash, Rocket, Nagad, and others), and Internet banking
- This gateway is highly secured as it is PCI-DSS Level 1 certified and offers SSL encryption for transactions
- Works with a user-friendly dashboard for merchants to monitor and manage transactions, refunds, and chargebacks
Pros:
- It offers a diverse selection of payment methods to serve your broad client-base.
- PCI-DSS Level 1 certification and SSL encryption provide secure and dependable transactions
- Offers a simple dashboard to handle transactions.
- Easily connects with common e-commerce platforms
Cons:
- International card transaction fees are quite expensive.
- The one-time setup price may be prohibitive for small companies.
3. PortWallet
Website: www.portwallet.com
PortWallet is a flexible and secure payment gateway in Bangladesh. It works well with some small e-commerce businesses. It was first introduced in 2015. PortWallet has quickly become popular among retailers seeking a comprehensive, user-friendly payment solution.
Features and Services of PortWallet
- PortWallet accepts a wide variety of payment methods, including Visa, Mastercard, American Express, mobile wallets (bKash, Rocket, Nagad, and so on), and Internet banking.
- You can get secure transactions with PCI-DSS Level 1 certification and SSL encryption.
- Follows advanced fraud detection and prevention methods to protect merchants and customers.
Pros:
- Provides the customer with an array of payment alternatives.
- Has a user-friendly dashboard for managing payments
- Allows smooth integration with common e-commerce platforms
- It is PCI-DSS Level 1 certified, so the transactions are secure and follow SSL encryption.
Cons:
- International card transaction costs can be rather high.
- The one-time setup price may be expensive for certain startups.
4. ShurjoPay
Website: shurjopay.com.bd
ShurjoPay is a safe and innovative payment gateway in Bangladesh. It offers a diverse set of features and services to e-commerce firms. ShurjoPay, founded in 2014 by ShurjoMukhi Limited, has become famous among merchants looking for a trustworthy, user-friendly payment solution.
Features and Services of ShurjoPay
- ShurjoPay serves customers with different payment options, including Visa, Mastercard, American Express, mobile wallets (bKash, Rocket, Nagad, and so on), and Internet banking
- It is PCI-DSS Level 1 certified for secure transactions.
- It follows SSL encryption methods
- It has advanced fraud detection and prevention tools to protect merchants and customers from fraud.
- Its simple dashboard helps merchants to monitor and manage transactions, refunds, and chargebacks.
- They arrange quick integration with popular e-commerce systems.
Pros:
- Provides an extensive range of payment alternatives to accommodate different consumer demands
- PCI-DSS Level 1 certification and SSL encryption guarantee secure and dependable transactions.
- Gives users access to a simple dashboard for managing transactions
- Facilitates easy interaction with well-known e-commerce systems.
Cons:
- An obstacle for small businesses might be the one-time setup charge or the transaction fees for overseas cards, which can be rather substantial.
5. Easy Pay Way
Website: www.easypayway.com
Easy Pay way is a payment gateway in Bangladesh that prioritizes user-friendliness and security. It works as a comprehensive solution for e-commerce businesses. It was established in 2012.
Easy Pay Way has garnered considerable popularity among merchants and individuals for providing secure payment solutions. The platform ensures easy integration into existing systems.
Features and Services of Easy Pay Way
- It supports various payment methods, including Visa, Mastercard, American Express, mobile wallets (such as bKash, Rocket, and Nagad), and Internet banking.
- It Implements SSL encryption and follows PCI-DSS security standards which leads to secure transactions.
- It has advanced tools for fraud detection and prevention.
- Uses a user-friendly dashboard for merchants to effortlessly monitor and manage transactions, refunds, and chargebacks.
Pros:
- Provides multiple payment alternatives to accommodate different consumer demands
- PCI-DSS Level 1 certification and SSL encryption guarantee secure and dependable transactions and satisfies the customers
- Gives users access to a straightforward dashboard for managing transactions
- Enables smooth interaction with well-known e-commerce systems.
Cons:
- The transaction fees for international cards may be comparatively high.
- The one-time setup fee could pose a barrier for certain small businesses.
6. 2Checkout
Website: www.2checkout.com
2Checkout works as a payment gateway worldwide. The e-commerce businesses in Bangladesh and worldwide take its assistance for secure transactions.
2Checkout was established in 2000. After that, it gained popularity among e-commerce merchants. This payment gateway is easy to integrate into different business systems.
Features and services of 2Checkout
- Customers can pay through different payment methods, including Visa, Mastercard, American Express, PayPal, mobile wallets, and numerous local payment options
- The transactions are secure with PCI-DSS Level 1 certification and SSL encryption
- It offers advanced fraud detection and prevention tools to protect merchants and customers
- The user-friendly dashboard helps to monitor and manage transactions, refunds, and chargebacks
- Provides additional services, such as recurring billing, global tax and compliance management, and currency conversion
Pros:
- It caters to diverse customer preferences as they have different payment methods,
- PCI-DSS Level 1 certification and SSL encryption helps to have a secure transaction
- The user-friendly dashboard manages transactions easily.
- Easily blendable with popular e-commerce platforms
Cons:
- Transaction fees are quite high compared to some local payment gateways
- Their pricing structure is quite complex to navigate.
7. Paddle
Website: www.paddle.com
Paddle is a payment transaction and software commerce platform in Bangladesh. It mainly works to cater to the needs of e-commerce businesses. Since its launch in 2012, Paddle has become famous among customers looking for an all-in-one payment and billing solution.
Features and Services of Paddle
- Supports a large number of payment alternatives, including Visa, Mastercard, American Express, PayPal, Apple Pay, and other local payment options
- Provides advanced fraud detection and prevention tools to protect merchants and customers.
- Provides a user-friendly dashboard for merchants to monitor and manage transactions, refunds, and chargebacks.
Pros:
- Provides a convenient dashboard for managing transactions;
- Supports international transactions and provides extra services like subscription management and currency conversion
- Custom pricing to serve specific business needs;
- Customers can have secure and reliable transactions with PCI-DSS Level 1 certification and SSL encryption
Cons:
- Lacks native integration with popular e-commerce platforms, requiring custom development for integration
- May not be the best fit for businesses that don’t sell digital products or software
8. FastSpring
Website: fastspring.com
FastSpring is a payment gateway made specifically for e-commerce companies. FastSpring, which was established in 2005, is now a well-liked option among retailers. The adoption of this as an all-inclusive payment and invoicing solution internationally facilitates the sale of digital goods and services.
Features and Services of FastSpring
- Accepts a number of payment alternatives, including JCB, PayPal, Discover, Visa, Mastercard, American Express, and a number of regional ones.
- Provides modern fraud detection and prevention capabilities to safeguard retailers and consumers with PCI-DSS Level 1 certification and SSL encryption.
- Offers additional services, such as subscription management, global tax, and chargeback management;
- Has an easy dashboard for merchants to monitor and manage transactions, refunds, and chargebacks;
- Enables seamless integration with well-known e-commerce platforms and other software tools through APIs and webhooks
Pros:
- Guarantees secure and reliable transactions
- Comes with a convenient dashboard for managing transactions
- Supports international transactions and provides extra services like subscription management and currency conversion
- Offers custom pricing
Cons:
- Requires bespoke programming for integration with prominent e-commerce platforms due to a lack of native integration;
- May not be the ideal option for companies who don’t offer digital goods, software, or SaaS
9. Authorize.net
Website: www.authorize.net
Popular payment gateway Authorize.net has been offering trustworthy and safe payment processing services to online retailers since 1996. It is a reliable choice for retailers in Bangladesh and throughout the world. This payment method is regarded as feature-rich and simple to incorporate.
Features and services of Authorize.net
- Support for a variety of payment options, such as Visa, Mastercard, American Express, Discover, JCB, and electronic checks (eCheck)
- Advanced fraud detection and prevention tools
- Convenient dashboard for merchants to manage transactions, refunds, and chargebacks
- Seamless integration with third-party services
Pros:
- Provides a variety of payment alternatives to suit the needs of various customers.
- Through PCI-DSS Level 1 certification and SSL encryption, it ensures secure and dependable transactions.
- For handling transactions, it offers a user-friendly interface and enables easy integration with well-known e-commerce systems.
- Provides extra services like recurring billing, account updater, and supporting international transactions.
Cons:
- eCheck processing is only available to businesses in the United States
- Monthly gateway fees and transaction costs might be expensive in comparison to certain local payment gateways
10. Walletmix
Website: www.walletmix.com
The Bangladesh-based payment gateway Walletmix offers a variety of products and services for e-commerce companies. Local businesses now frequently use Walletmix since it was founded in 2016. They view this as a trustworthy and simple payment option that serves the Bangladeshi market.
Features and services of Walletmix
- Supports a range of payment options, such as Visa, Mastercard, American Express, mobile wallets (such as bKash, Rocket, Nagad, etc.), and Internet banking
- Keeps the transactions secure with SSL encryption and compliance with PCI-DSS security standards
- Provides expert fraud detection and prevention tools to safeguard customers and business owners
- Offers merchants an easy-to-use dashboard to track and manage transactions, refunds, and chargebacks.
Pros:
- Provides a variety of payment alternatives to meet the various needs of Bangladeshi customers.
- By using SSL encryption and adhering to PCI-DSS security requirements, it guarantees trustworthy and safe transactions.
- Gives users access to a simple dashboard for managing transactions
- Facilitates easy interaction with well-known e-commerce systems.
Cons:
- Limited acceptance of foreign card transactions in comparison to some international payment gateways
- Some small firms could find the one-time setup price to be prohibitive.
11. BttPay
Website: bttpay.com
Established in 2015, BttPay is a FinTech pioneer in Asia, offering one of the most cost-effective and comprehensive payment gateway solutions in the region. With a presence in Singapore, Estonia, and Malaysia, BttPay serves businesses globally, providing seamless payment processing with a focus on simplicity and security.
Key Features & Services
- Extensive Payment Methods:
Accepts all major credit and debit cards, including Visa and MasterCard, as well as payments via mobile devices, tablets, and desktops. - Multi-Currency Support:
Supports billing in over 100 currencies, allowing businesses to cater to a global customer base. - Easy Integration:
Offers seamless integration through APIs, mobile SDKs, and plugins compatible with major shopping carts and CMS platforms. - Mobile and Web Payments:
Enables businesses to accept payments on both mobile and web platforms, facilitating transactions anytime, anywhere. - Virtual Terminal & POS Solutions:
Provides a virtual terminal for phone, fax, or email orders and POS solutions that turn any device into a point-of-sale terminal. - Online Invoices & QR Code Payments:
Allows businesses to send automated invoices and accept payments via QR codes, enhancing customer convenience. - White Label Solutions:
Offers white-label payment gateway services, enabling businesses to brand the payment experience as their own.
Pros
- No monthly or setup fees, making it cost-effective for businesses of all sizes.
- Supports a wide range of payment methods and currencies, facilitating global transactions.
- Offers quick account setup, with verification completed in less than 48 hours
- Provides comprehensive support through various integration options and tools.
Cons
- Chargeback fees may apply, which could be a concern for businesses with high dispute rates.
- Limited information is available regarding customer support channels and response times.
12. PaySpace
Website: payspace.com
PaySpace is a cloud-native payroll and HR software provider offering comprehensive solutions for businesses of all sizes. Their platform is designed to streamline payroll processing, HR management, and compliance, catering to organizations ranging from small enterprises to large multinational corporations.
Key Features
- Employee Self-Service (ESS): Employees can access payslips, apply for leave, submit claims, request tax certificates, and update personal information through a user-friendly portal.
- Real-Time Payroll Calculations: The system supports continuous payroll calculations, allowing for immediate payslip generation without the need for official pay runs.
- Cloud-Based Accessibility: Being cloud-native, PaySpace ensures that payroll and HR functions are accessible anytime, anywhere, on any device.
- ISO 27001 Certification: The platform complies with ISO 27001 standards, ensuring robust data security and privacy measures.
- Multi-Currency and Multi-Language Support: PaySpace offers solutions tailored for over 40 African countries, accommodating various currencies and languages.
- Integration Capabilities: The system integrates seamlessly with other platforms, including Workday, TymeAdvance, and Ecotime, enhancing operational efficiency.
- Pay-as-You-Go Pricing: Businesses are charged based on the number of payslips generated, with no upfront annual license fees.
Pros:
- Scalability: Suitable for businesses of all sizes, from small startups to large enterprises.
- User-Friendly Interface: Intuitive design ensures ease of use for both HR professionals and employees.
- Comprehensive Support: Offers extensive support for payroll and HR functions, including leave management, performance assessments, and compliance reporting.
Cons:
- Regional Focus: Primarily tailored for African markets; international businesses may find limited localization options.
13. Stripe
Website: stripe.com
Stripe is a leading financial infrastructure platform for businesses of all sizes. From startups to global enterprises, Stripe provides a comprehensive suite of tools to accept payments, manage revenue, embed financial services, and automate financial operations—all with a developer-first, cloud-native approach.
Key Features & Services Offered
Global Payment Acceptance
Stripe enables businesses to accept payments in over 135 currencies and a wide range of local payment methods, both online and in-person.
Flexible Checkout Options
Use pre-built UIs like Checkout or customizable components like Elements to create seamless, conversion-optimized payment flows.
Integrated Fraud Prevention
Radar, Stripe’s machine learning-powered fraud detection system, is built into every transaction to reduce chargebacks and fraudulent activity.
Invoicing & Subscriptions
Automate billing cycles, create usage-based pricing models, send branded invoices, and manage customer subscriptions with ease.
Revenue Recognition & Tax Automation
Stripe automates accounting and compliance tasks through tools like Revenue Recognition and Tax, helping businesses remain audit-ready globally.
Financial Services & Embedded Finance
With products like Issuing, Treasury, and Capital, Stripe enables platforms to offer cards, bank accounts, and financing to their users.
Developer-Centric APIs
Stripe provides robust APIs, SDKs, and client libraries across multiple languages and frameworks, supporting rapid deployment and full customization.
No-Code and Low-Code Tools
Businesses without dedicated dev teams can still build with Stripe using tools like Payment Links, Stripe Dashboard, and App Marketplace integrations.
Atlas for Incorporation
Stripe Atlas helps entrepreneurs incorporate U.S. companies, open bank accounts, and issue stock—perfect for startups ready to scale globally.
Advanced Reporting & Analytics
With Sigma and Data Pipeline, companies can generate custom reports and sync payment data directly into their data warehouses.
In-Person Payments
Stripe Terminal allows businesses to unify online and in-person payments with custom hardware and SDKs for POS systems.
Identity & Verification
Verify users securely with Stripe Identity, which supports global KYC and AML workflows with just a few lines of code.
Scalability for Any Business Model
Whether you’re in SaaS, eCommerce, marketplaces, or the creator economy, Stripe offers tailored tools to support and scale your operations.
Pros
- 🌎 Global Reach: Accept payments in 135+ currencies with support for localized payment methods.
- 🧠 Powerful APIs: Developer-friendly architecture enables fast, flexible, and fully customized integrations.
- ⚡ Built-in Fraud Protection: Radar’s smart detection improves security without adding friction.
- 🔌 Extensive Ecosystem: Access a large network of tools, apps, and partners via the Stripe App Marketplace.
- 📊 Complete Revenue Stack: Handle billing, tax, recognition, and financial reporting in one platform.
Cons
- 🧩 Complex for Simple Use Cases: Some small businesses may find Stripe’s breadth of features more than they need.
- 🛠️ Requires Technical Setup: Full customization often requires developer resources or partner integrations.
14. UniquePay BD
Website: uniquepaybd.com
UniquePay BD is a Bangladesh-based payment automation platform designed to simplify and accelerate financial operations for digital businesses. It provides invoicing, billing management, and payment processing tools, with seamless integration for popular mobile financial services (MFS) and access to select global payment methods. Whether you’re a local startup or a digital service provider, UniquePay BD aims to bridge the gap between businesses and frictionless transactions.
Key Features of Their Service
Local Payment Gateway Integration
Support for Bangladesh’s top mobile financial services (e.g., bKash, Nagad, Rocket) enables smooth, localized payment acceptance.
Invoicing & Billing Tools
Easily generate invoices and manage billing for clients, helping businesses streamline cash flow and customer payment cycles.
Developer-Friendly API Access
Built-in API integration allows developers to connect UniquePay BD with websites, mobile apps, and digital platforms.
Fast API Response
Feedback highlights the ease and speed of the API, making integration with online stores or software products seamless.
Customer Support System
The platform offers responsive support for common issues and integration help, with improvements underway for faster response times.
Digital Service-Friendly
Particularly popular among hosting providers, software sellers, and digital service platforms in Bangladesh.
No-Code Setup for Basic Use
Non-technical users can also use UniquePay BD for basic operations without extensive coding or development skills.
Secured Transaction Handling
Several users report a reliable and secure experience with transactions and payment settlements.
Ongoing Platform Improvements
The platform continues to evolve based on user feedback, including tutorial videos and updated documentation.
Pros
- ✅ Bangladesh-Focused Services: Tailored to local businesses, especially those accepting payments via bKash, Rocket, and Nagad.
- 💻 Easy API Integration: Lightweight and developer-friendly, ideal for digital businesses and eCommerce setups.
- 🔒 Secure Platform: Rated as trustworthy by a majority of users, with smooth transaction experiences reported.
- 📈 Good for Startups & Digital Sellers: Particularly useful for smaller businesses looking for low-cost payment gateway solutions.
Cons
- 🌍 Limited International Reach: Does not currently support major global methods like PayPal, Stripe, or UPI (as noted by users in India and Pakistan).
- 📞 Customer Support Needs Work: Some users mentioned slow or inconsistent support response, though improvements are ongoing.
- 🧾 Mixed Reviews on Transparency: A few reviews raised concerns about trust and platform ownership, although these are disputed and not verified.
Which payment gateway is Best for Bangladeshi Business and Why
If you want to determine the best payment gateway for a Bangladeshi business, then you must look at different factors, such as the business’s specific requirements, target audience, and preferred payment methods. However, if you want to look at the local situation, SSLCommerz is known as one of the best options for e-commerce businesses here due to these reasons:
- Various payment methods: Numerous payment options are accepted by SSLCommerz. These approaches include Visa, Mastercard, American Express, mobile wallets (bKash, Rocket, Nagad), and Internet banking. Hence, e-commerce businesses can accommodate the various payment choices of their Bangladeshi clients.
- Easy integration: With well-known e-commerce systems like Shopify, WooCommerce, Magento, and OpenCart, SSLCommerz allows smooth connectivity. As a result, setting up and starting to take payments for businesses becomes easier..
- Affordable pricing: SSLCommerz offers affordable transaction fees and various pricing structures designed to meet the demands of Bangladeshi companies. As a result, small and medium-sized businesses can afford it.
- Protection and dependability: PCI-DSS compliance and encryption provided by SSLCommerz assure secure transactions. In order to safeguard retailers and customers, they also provide modern fraud detection and prevention systems.
- Extra features: SSLCommerz offers extra features, including EMI (Equated Monthly Installment) support, which is handy for companies who sell expensive goods.
Final words
From the above discussion, we can see that choosing the right payment gateway for your e-commerce store in Bangladesh can increase the growth of your business. Providing seamless, and efficient transactions for your customers is quite beneficial for your business.
Hence, if you consider factors such as supported payment methods, transaction fees, security features, and compatibility with your e-commerce platform, you can choose the most-suited one for your business.
By doing this, you may provide your consumers with a satisfying shopping experience, resulting in improved conversion rates, more client happiness, and, eventually, the expansion of your e-commerce business.
