HomeTechTop 10 Online Payment Gateways in Bangladesh

    Top 10 Online Payment Gateways in Bangladesh

    Bangladesh has grown tremendously in recent years. Also, significant economic development can be observed alongside it. Bangladeshis now have more purchasing power than ever before. Besides, this has increased demand for retail goods across the country. Online payment gateways in Bangladesh are much easier.

    To meet this demand, businesses are looking for innovative solutions to manage their payments and increase revenues properly. As a result, many Fintech companies have sought to serve that purpose and meet demand by offering payment gateway services.

    Continue reading to learn about the top ten payment gateways in Bangladesh. We will also advise on choosing the best one for your needs.

    Before we get there, you should know a few things about Payment Gateways.

    What exactly is a Payment Gateway?
    A payment gateway is a technology that merchants use to accept debit and credit card payments from their customers. Its primary function is to collect transaction data and also ensure that funds are available in a customer’s account and that the merchant is successfully paid.

    Key Takeaways

    Payment gateways are consumer-facing interfaces that collect payment data.
    The payment gateways in physical stores are point-of-sale (POS) terminals that accept credit card information via card or smartphone.
    Payment gateways are the “checkout” portals used in online stores to enter credit card information or credentials for services such as PayPal.
    This is distinct from payment processors, which collect payments on the merchant’s behalf using customer information.
    Payment gateways for cryptocurrencies such as Bitcoin are also available
    How Payment Gateways Work
    The payment gateway is an important part of the electronic payment processing system because it is the front-end technology that sends customer information to the merchant-acquiring bank, where the transaction is then processed.
    Payment gateway technologies are constantly evolving to reflect new consumer preferences and technological capabilities. Previously, credit card terminals used magnetic strips and required paper signatures from customers. The signature phase could be replaced by a personal identification number (PIN) entered directly into the payment gateway hardware as chip technologies advance. Contactless purchases are now available, with many customers opting to use their phones as payment devices rather than plastic credit cards.

    A payment gateway’s architecture will differ depending on whether it is an in-store gateway or an online payment portal. After all Application programming interfaces (APIs) will be required for online payment gateways, allowing the website in question to communicate with the underlying payment processing network. In-store payment gateways will use a POS terminal that electronically connects to the payment processing network via a phone line or an Internet connection.

    Top 10 Online Payment Gateways in Bangladesh

    Online Payment Gateways in Bangladesh

    In this section, we will discuss the details of the top 10 online payment gateways in Bangladesh-

    Also Check: 5 Simple Ways To Avoid Falling For Spam Emails


    SSLCOMMERZ is a well-known payment processor in Bangladesh. It has been in business since 2020. Now it has over 3500 clients providing digital payment solutions on web and mobile platforms.

    SSLCOMMERZ provides a simple checkout option with over 30 payment options. The platform includes additional features. These features make payment gateway integration simpler and less complicated for its clients. These features include-

    Supported Currencies: BDT, EUR, GBP, AUD, USD, CAD
    Payment Options: Visa, Mastercard, Mutual Trust Bank Net Banking, DBBL NEXUS Cards, Islamic Bank Net Banking, Bank Asia Net Banking, City Bank/ Amex, and many others
    Market Integration: Plug-ins available for major platforms and languages
    Security: PCI DSS Level 1, ISO 27001, DigiCert EV SSL

    2. Portwallet

    Dhaka-based Portwallet is a new payment gateway. Customers can make online payments through the platform, and it plans to expand its infrastructure to enable internet commerce. Their features include-

    Supported Currencies: Multi-currency support
    Payment Options: Visa, MasterCard, bKash, Nexus
    Market Integration: E-commerce
    Security: PCI-DSS compliant
    Setup Charges: Starter Package – BDT 5000, Business plan – BDT 0
    Annual Fee: No charges
    Commission Fee: Starter Package – BDT 2 per transaction, Business plan – BDT 1 per transaction

    3. AamarPay

    Aamarpay is another prominent FinTech firm in Bangladesh. It provides low-cost payment gateway services for B2B and B2C businesses, as well as mobile integration and QR payment options.

    Payment Options: bKash, Rocket, SureCash, Visa and MasterCard, UnionPay, and Amex
    Market Integration: API & plug-ins are available
    Security: PCI DSS Level 1
    Supported Currencies: BDT only
    For setup fee, it has 4 types of plans; BDT 4,000- BDT 15,000
    No annual fee
    55% – 3.25% as card commission and 1.85% – 2.% as bKash, Rocket, and SureCash commission.

    4. ShurjaPay

    A universal payment gateway that serves both consumers and business merchants. The Bangladesh Bank granted the PSO license to one of the first payment gateways. SurjaPay’s other features include the following:

    Supported Currencies: All currencies
    Payment Options: All Debit/Credit cards
    Security: PCI-DSS Level 1
    Signup fee: Corporate- BDT 10,000 and Education- BDT 10,000
    Integration fees; Corporate- BDT 10,000 and Education- BDT 5000
    No annual or monthly maintenance fee
    Visa, Mastercard, nexus; Corporate- 2.5% and Education- 1.5%
    American Express and mobile wallet; Corporate- 3.5% and 2.0% respectively, Education- 1.5% for both

    5. Fast spring

    When looking for payment gateways for international transactions, Fast Spring may be the best option. In this case, also anyone who wants to do business in a foreign country can quickly receive money from them in the shortest time possible.

    They provide services without requiring a long-term commitment earlier. Furthermore, there are no commitments or signup fees with this company. During In a nutshell, this is one of Bangladesh’s most straightforward payment processing companies.

    No signup fee and term contract
    9% per transaction with minimum $.75 purchase or 5.9% + $.95 per transaction
    $5.00 refund fee
    Requirements: GST/VAT/Tax exemption number/Driving license
    Privacy Policy: EU-US privacy shield framework for transferring personal information Encrypted personal data
    Refund Policy: After dissolving the issue, the refund is initiated and the fee is retained that was charged on the original transaction.
    90-day refund limit-PayPal; 6month refund limit-credit card

    6. Payoneer

    When we think of a low-cost and reliable online payment gateway, Also, Payoneer is the first name that comes to mind. This company offers its services across more than 200 countries globally.

    Customers also like this company because of its reliable and reasonable online payment gateway. Payoneer is also a popular online payment gateway, particularly among freelancers in Bangladesh. Emphatically their features include0

    Requirements: National ID card number or passport
    Privacy policy: Their general safety measures confidentiality, integrity, and safety of personal information.

    7. Easy Pay Way

    Easy pay way is yet another safe, secure, and dependable online payment gateway in Bangladesh. Also, this company has many advanced features that are not found in other companies. They also offer API systems, payment validation, risk validation, and auto verification.

    You can choose easy pay-way services without hesitation for hassle-free and time-saving payment. Their features are-

    Supported Currencies: BDT
    Payment Options: Visa, Mastercard, and Nexus debit/credit cards
    Market Integration: E-commerce
    Security: SSL Encryption
    Setup fee; Basic- BDT 5,000 Starter- BDT 10,000 Professional- BDT 18,000 and Corporate- BDT 20,000
    Annual fee; Basic-free, Starter- BDT 500, Professional- BDT 2000, and Corporate- BDT 2500
    Per transaction commission; Basic- 6.5%, Starter- 5%, Professional- 3.9%

    8. 2Checkout

    Eventually, in Bangladesh, 2checkout is an international online payment gateway. But it is a market leader in payment gateways, offering seamless global transactions and high revenue generation.

    2Checkout is the best option when receiving payment from a foreign country. Besides they granted refunds for up to 30 days. Their features are-

    Supported Currencies: All major currencies
    Payment Options: American Express, Visa, MasterCard, JCB, Neteller, PO, Skrill, Paypal, and bank transfer
    Market Integration: Shopping cart integration, API & 3rd party integrations
    Security: PCI-DSS Level 1
    Commission per transaction: 3.9% + $0.45 and 1.5%cross-border fee
    No annual or setup fee

    9. Paddle

    The paddle is another safest online payment gateway in Bangladesh. Despite, this provides service with NDR enhancement. In the modern global transaction market, they provide services on SaaS and operate both B2C and B2B, making them better than other companies.

    People also like a paddle for their low-cost advantages. As a result, paddle service does not require any monthly or yearly fees. Their services are-

    No signup fees
    No monthly subscription
    Only a %transaction fee
    Requirement: VAT/Sales Tax Codes, Trade license
    Privacy Policy: Confidentiality, safety, and integrity of customers’ personal information
    Refund: Refunds will not be initiated if found faulty
    Terms and Conditions: Guides you about their chargebacks, termination, privacy, tax, refunds, laws, responsibility, and liability. These should not be breached.

    10. BTTPay

    BTTPay offers its services throughout Asia. Concurrently, it is a pioneer in the FinTech sector, combining payment gateway services for small start-ups and large enterprises. Also their features include-

    Supported Currencies: Support for 100+ currencies
    Payment Options: All major Debit and Credit Card
    Market Integration: APIs, Mobile SDK, and Plug-in Integrations
    Security: PCI-DSS Level 1

    In conclusion

    Especially your online store can accept credit card payments from customers using a payment gateway. Also, payment gateways are expensive and charge per transaction, and there are many to choose from. Also picking the right gateway can help save you money and keep your business running smoothly. Once you’ve decided on a payment gateway, you can easily integrate it into your online store software.

    Due to the country’s rapid development, electronic and online payments have increased significantly in Bangladesh in recent years. Basically, payment gateways have grown in importance for both merchants and customers. Emphatically this article has given you an overview of the payment gateway in Bangladesh and will help you decide who to partner with.

    Welcome to Tech Chowk, a platform dedicated to providing you with high-quality and engaging content on all things tech and blogging. Our team is committed to delivering only the best, ensuring that our content is both trustworthy and reliable. Our passion for blogging drives us to create a thriving online community, and we hope you enjoy our content as much as we enjoy creating it for you. Thank you for visiting Tech Chowk.

    Latest articles

    Related articles

    Leave a reply

    Please enter your comment!
    Please enter your name here