As Bangladesh’s digital economy continues to expand, online payments have become a critical component of e-commerce success. Customers now expect secure, fast, and convenient digital payment options when shopping online. Choosing the right payment gateway directly impacts conversion rates, customer trust, and operational efficiency.
In this article, GotMyHost presents a professional overview of the top 10 online payment gateways in Bangladesh, outlining their features, suitability, and business use cases to help you make an informed decision for your e-commerce website.
Why Choosing the Right Payment Gateway Matters
A payment gateway is more than just a transaction tool. It affects:
- Customer checkout experience
- Payment success rate
- Security and compliance
- Settlement speed and cash flow
- Business scalability
For Bangladeshi businesses, integration with local mobile financial services (MFS) such as bKash and Nagad is essential, alongside card and international payment support.
1. bKash Payment Gateway
bKash is the most dominant mobile financial service in Bangladesh, with the largest active user base.
Business-Relevant Details:
- Extremely high customer familiarity, reducing checkout friction
- Ideal for cashless local transactions
- Instant transaction confirmation improves order processing speed
- Strong fraud control and OTP-based authentication
Considerations:
- No native international card support
- Requires separate merchant onboarding and approval
Best Use Case:
Local e-commerce stores, service providers, and businesses targeting mass-market Bangladeshi consumers.
2. Nagad Payment Gateway
Nagad, operated by the Bangladesh Post Office, has rapidly gained popularity due to competitive pricing and simple user experience.
Business-Relevant Details:
- Generally lower transaction charges
- Faster wallet registration for customers
- Simple checkout flow improves conversion rates
- Strong presence in semi-urban and rural areas
Considerations:
- Fewer advanced features than bKash
- No direct international payment support
Best Use Case:
Startups, SMEs, and price-sensitive businesses looking for cost-efficient mobile payments.
3. Rocket (DBBL Mobile Banking)
Rocket is a bank-backed mobile financial service operated by Dutch-Bangla Bank Limited (DBBL).
Business-Relevant Details:
- High credibility due to DBBL’s banking reputation
- Direct bank settlement enhances financial transparency
- Secure OTP and QR-based payment system
- Lower transaction failure rate in many cases
Considerations:
- Smaller active user base compared to bKash and Nagad
- Limited acceptance among younger users
Best Use Case:
Educational institutions, utility services, and businesses preferring bank-backed payment reliability.
4. uPay (UCB Fintech)
uPay, operated by United Commercial Bank (UCB), is a growing mobile financial service in Bangladesh.
Business-Relevant Details:
- Bank-backed infrastructure improves trust
- Competitive transaction fees
- Simple merchant payment acceptance
- Growing adoption among UCB account holders
Considerations:
- Still expanding its user base
- Limited ecosystem compared to major MFS providers
Best Use Case:
Businesses wanting to expand payment options and reach emerging mobile wallet users.
5. SSLCommerz
SSLCommerz is the most comprehensive and widely used payment gateway aggregator in Bangladesh.
Business-Relevant Details:
- Supports Visa, MasterCard, American Express
- Integrates bKash, Nagad, Rocket, uPay
- Internet banking from most local banks
- PCI-DSS compliant and highly secure
- Widely supported by e-commerce platforms (WooCommerce, Magento, custom PHP)
Considerations:
- Slightly higher processing fees
- More documentation during onboarding
Best Use Case:
Small to enterprise-level businesses requiring all-in-one local and international payment coverage.
6. Stripe (International Payment Gateway)
Stripe is a globally trusted payment gateway used for international card payments.
Business-Relevant Details:
- Accepts international Visa, MasterCard, and online payments
- Supports subscription and recurring billing
- Advanced fraud detection and analytics
- Essential for serving foreign customers
Considerations:
- Requires a foreign entity or partner setup
- Not suitable for local MFS transactions
Best Use Case:
Freelancers, SaaS platforms, and export-oriented businesses serving international clients.
7. UddoktaPay
UddoktaPay is a lightweight, Bangladesh-focused payment solution designed for small businesses.
Business-Relevant Details:
- Very simple setup and integration
- Supports bKash and Nagad
- Budget-friendly pricing
- Minimal technical complexity
Considerations:
- Limited feature set
- Not suitable for large-scale operations
Best Use Case:
Micro-businesses, Facebook-based sellers, and early-stage online stores.
8. aamarPay
aamarPay is recognized for its fast onboarding and SME-friendly policies.
Key Features:
- Supports cards, bKash, Nagad, Rocket, uPay
- Easy API and plugin integration
- Faster merchant approval
- Suitable for subscription and service payments
Best For:
Small businesses and startups requiring quick deployment.
9. PortWallet
PortWallet provides modern payment solutions with advanced security features.
Key Features:
- Supports MFS, cards, and bank transfers
- Recurring and subscription payments
- Fraud detection tools
- Developer-friendly APIs
Best For:
SaaS platforms and service-based businesses.
10. ShurjoPay
ShurjoPay offers stable payment processing with broad banking integration.
Key Features:
- Supports cards, MFS, and bank payments
- Fast settlement cycles
- Wide bank coverage
- Easy onboarding process
Best For:
Traditional businesses are transitioning to online sales channels.
Hosting Considerations for Payment Gateways
To ensure smooth payment processing, your hosting environment must support:
- SSL certificates (HTTPS)
- Stable uptime (99.9% or higher)
- Fast server response times
- Secure database and firewall configuration
GotMyHost provides:
- Free SSL certificates
- BDIX-optimized hosting for fast local transactions
- Secure server architecture
- Full compatibility with all major Bangladeshi payment gateways
Conclusion
Selecting the right payment gateway is a strategic decision for any e-commerce business in Bangladesh. Factors such as customer preference, transaction fees, settlement speed, security, and scalability must all be considered.
For most Bangladeshi e-commerce websites:
- SSLCommerz offers the most comprehensive solution
- bKash and Nagad are essential for local trust
- UddoktaPay and SSLCommerz are excellent SME alternatives.
When combined with a secure and reliable hosting provider like GotMyHost, your payment system becomes a strong foundation for sustainable online growth.
Why Choose GotMyHost for Your E-commerce Website
- BDIX-enabled hosting for faster checkout in Bangladesh
- Free SSL certificates for secure payments
- 99.9% uptime guarantee
- 24/7 local technical support
👉 Launch your e-commerce site with confidence at – gotmyhost.com
GotMyHost — Powering Secure Online Payments in Bangladesh
Related Topic: How to Start an Online Business in Bangladesh: A Step-by-Step Guide
