As digital payments continue to grow, secure and reliable payment processing has become essential for businesses of every size. A payment gateway is a financial technology service that enables merchants to accept online payments safely through websites, mobile apps, and other digital platforms. If you're looking for the best payment gateway in Bangladesh, it's important to compare providers based on security, supported payment methods, transaction fees, settlement speed, and integration options.
Payment gateways connect businesses with banks and financial institutions, allowing customers to pay using debit cards, credit cards, mobile financial services such as bKash and Nagad, internet banking, and digital wallets, making online transactions fast, secure, and convenient.
Payment Gateway Features & Services in Bangladesh
- Online Payment Processing: Accept payments from credit cards, debit cards, mobile banking, and internet banking through a secure payment gateway.
- Payment Gateway Integration: Integrate payment solutions with websites, mobile apps, eCommerce platforms, and custom business systems using APIs and plugins.
- Merchant Account Services: Enable businesses to receive customer payments directly into their business accounts with secure transaction management.
- Recurring & Subscription Payments: Support automatic recurring billing for SaaS businesses, memberships, subscriptions, and other recurring payment models.
- Mobile Financial Services (MFS) Payments: Accept payments through popular mobile wallets such as bKash, Nagad, Rocket, and other supported MFS providers.
- Fraud Detection & Security: Protect online transactions with encryption, fraud monitoring, PCI DSS compliance, and secure authentication technologies.
- Payment Analytics & Reporting: Track transactions, settlements, refunds, and payment performance through real-time dashboards and downloadable reports.
- Refund & Settlement Management: Manage customer refunds, payment settlements, and transaction reconciliation efficiently through merchant dashboards.
Payment Gateway Selection Guide: What to Check Before You Sign Up
Selecting the right payment gateway depends on security, supported payment methods, pricing, and integration capabilities.
Reputation & Experience
Choose providers with a proven track record, stable infrastructure, and experience serving businesses in Bangladesh.
Pricing & Transaction Fees
Compare setup fees, transaction charges, settlement schedules, and any monthly maintenance costs.
Payment Options
Ensure the gateway supports cards, mobile banking, internet banking, QR payments, and digital wallets used by your customers.
Integration & Developer Support
Look for easy API integration, plugins for popular platforms, and clear technical documentation.
Security & Compliance
Choose PCI DSS-compliant gateways that offer encryption, fraud prevention, and secure payment authentication.
Customer Support
Reliable technical support is essential for resolving payment issues quickly and minimizing downtime.
Customer Reviews
Check merchant reviews and business reputation to understand service reliability and payment success rates.
Bipony Tip: Select a payment gateway that balances security, payment options, competitive transaction fees, and responsive merchant support rather than choosing based only on cost.
Top 6 Verified Payment Gateway Companies in Bangladesh (2026)
Each company has been cross-checked against its Bipony directory listing to confirm service scope and project focus before publishing.
|
Payment Gateway |
Setup Fee |
Best Used For |
Google Rating |
|
৳15,000–৳25,000 corporate entry fee |
Large eCommerce businesses |
4.4(991) |
|
|
৳10,000 signup + ৳10,000 integration |
SMEs & startups |
3.0(48) |
|
|
Tiered packages from ৳4,000 to ৳15,000 |
Online stores |
3.6(97) |
|
|
UddoktaPay |
Zero setup fees (Uses low-cost ৳199–৳1,499/mo subscriptions) |
Small businesses & entrepreneurs |
4.7–4.9 |
|
EPS (Easy Payment System) |
Custom quoting based on industry vertical |
Enterprise payment solutions |
4.9(24) |
|
Completely Free |
Businesses accepting bKash payments |
4.4(1.65M) Play Store View |
Last Updated: 04 July 2026
Google rating ranges are approximate and may vary across platforms and over time as new reviews are added.
Bangladesh Online Payment Market Overview (2026)
Bangladesh's online payment ecosystem continues to grow as e-commerce, digital banking, mobile financial services (MFS), and QR-based payments become more widely adopted. According to Bangladesh Bank, digital transactions increased by 13% in 2025, while Bangla QR expanded its network to nearly 963,000 merchants, reflecting the country's steady shift toward a cash-light economy.
Sources: Bangladesh Bank Payment Systems Report (2025), The Daily Star, The Daily Star (Bangla QR), The Business Standard
Curated by Bipony's directory team, cross-verified against live listings. Last reviewed: July 02, 2026.
Frequently Asked Questions
1. Which Payment Gateway is best in Bangladesh?
The best option depends on your business. SSLCOMMERZ is commonly used by large eCommerce stores, shurjoPay is popular with SMEs, bKash Merchant works well for businesses focused on mobile payments, and UddoktaPay is often chosen by startups and small online sellers.
2. How long does payment gateway integration take?
Most gateways provide plugins and APIs for websites and mobile apps. Basic integrations can often be completed within a few hours, while custom API integrations may take several days depending on the platform and technical requirements.
3. Which payment methods are supported?
Most payment gateways in Bangladesh support Visa, Mastercard, bKash, Nagad, Rocket, internet banking, QR payments, and other digital payment options. Supported methods vary by provider and merchant category.
4. Are online payments secure through these gateways?
Reputable gateways use PCI DSS compliance, SSL encryption, fraud monitoring, and secure authentication to protect transactions. Merchants should also follow secure checkout and account management practices.
5. How are transaction fees charged?
Transaction fees are usually charged as a percentage of each successful payment, and some providers may have setup or maintenance fees. The exact rate depends on payment method, transaction volume, and merchant type.
6. How quickly are payments settled to a bank account?
Settlement times vary by gateway. Many providers settle funds within 1-3 business days, while some payment methods may take longer depending on banking and verification processes.
7. Can businesses issue refunds through a payment gateway?
Yes. Most payment gateways allow merchants to process full or partial refunds from their merchant dashboard. Refund timelines depend on the payment method and the customer's bank or wallet provider.
8. Can international cards be accepted?
Some payment gateways support international Visa and Mastercard payments, subject to merchant approval and regulatory requirements. Availability may differ for local and international businesses.
9. Is a trade license required to open a merchant account?
In most cases, yes. Payment gateways typically require business documents such as a trade license, bank account information, and identity verification before activating a merchant account.
10. How does Bipony select and rank these payment gateways?
Bipony considers business reputation, merchant reviews, payment success rates, supported payment methods, security standards, integration options, customer support, market presence, and publicly available business information when evaluating and ranking payment gateway providers.
Sources:
https://www.bb.org.bd/en/index.php/publication/publictn/0/91, https://www.thedailystar.net/business/news/digital-transactions-13-volume-value-2025-bb-report-4201181, https://www.thedailystar.net/business/economy/news/bangla-qr-scales-963-lakh-merchants-4200676, https://www.tbsnews.net/economy/cash-still-accounts-672-transactions-bangladesh-despite-cashless-push-1464221