A payment gateway is a technology that enables businesses to accept online payments, process transactions, and handle authorization and settlement between buyers, sellers, and financial institutions. In Bangladesh, these gateways must support local cards, mobile financial services, and internet banking, while offering cross-border solutions for global commerce. Gateways also provide fraud protection and reporting tools to ensure secure transactions. The choice of a payment gateway directly affects business operations, conversion rates, and customer satisfaction.
The best payment gateway in Bangladesh in our rating is NOWPayments because it supports over 300 cryptocurrencies, offering merchants additional global payment options. This flexibility is crucial for international transactions, especially for businesses targeting global markets. NOWPayments also integrates with various e-commerce platforms and offers simple API setups. This makes it a standout choice for both local and cross-border transactions.
Choosing the right payment gateway in Bangladesh in 2026 is essential as it can affect transaction costs, settlement speed, and customer trust. Local gateways offer coverage for domestic cards and wallets, but global businesses require options that support international financial operations. The right gateway ensures reliable transaction processing, reducing cart abandonment rates. Additionally, some gateways provide tools for recurring payments, subscription services, and invoicing, which are critical for modern businesses.
Here’s a list of payment gateways in Bangladesh:
- NOWPayments
- SSLCommerz
- aamarPay
- ShurjoPay
- 2Checkout
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
To provide an unbiased comparison of the best payment gateways for businesses in Bangladesh, we focused on features critical to local operations. Our goal was to assess each gateway based on factors that directly impact businesses in this region, ensuring an accurate and relevant selection.
- Supported Assets: Essential for businesses looking to diversify payment options, including both traditional and cryptocurrency payments, especially when dealing with customers around the globe.
- Fees: Directly affects profitability, particularly for cost-conscious merchants in Bangladesh, where transaction fees can significantly impact margins.
- Speed: A key factor in providing a smooth and efficient checkout experience for customers, reducing cart abandonment and ensuring quick payment processing.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Supported Assets | Fees | Speed |
|---|---|---|---|
| NOWPayments | 350+ crypto & 40+ fiat options | ~0.5% mono‑currency, ~1% multi‑currency; 0% network fee on USDT TRC20 deposits for new partners for 2 months | Instant |
| SSLCommerz | Local cards (Visa, Mastercard), mobile wallets (bKash, Rocket, Nagad), internet banking, EMI from multiple banks | ~2.5% for Visa/MasterCard, 2–4% for other cards | Same day settlement |
| aamarPay | Local cards (Visa, Mastercard), mobile wallets (bKash, Rocket, SureCash), internet banking | ~2.55–3.25% cards; ~1.85–2.1% mobile wallets (approx) | Typically 2–3 business days |
| ShurjoPay | Local cards (Visa, Mastercard), mobile wallets, internet banking | ~2.5% corporate cards; ~1.5–2.0% mobile wallets | ~1 week settlement |
| 2Checkout | International cards (Visa, Mastercard, AmEx), PayPal, wallets | ~3.9% + $0.45 per transaction | Weekly settlement |
NOWPayments
NOWPayments is the best crypto payment gateway that provides merchants with an easy solution to accept over 350 cryptocurrencies and more than 40 fiat currencies. This platform stands out by offering non-custodial crypto transactions, which means merchants don’t have to worry about holding digital assets. Its versatility in a range of payment options allows businesses to serve global markets while offering a smooth checkout process. NOWPayments integrates with e-commerce platforms, POS systems, and a variety of business models to cater to both local and international needs.
Supported Assets. NOWPayments supports more than 350 cryptocurrencies, including Bitcoin, Ethereum, and Litecoin, as well as 40+ fiat currencies. This extensive range of assets allows businesses to cater to a tech-savvy customer base and access global markets. The platform also supports stablecoins and offers conversion to fiat for simplicity. Businesses can diversify payment options by offering both crypto and fiat acceptance, which appeals to different customer groups.
| Supported Assets | Details |
|---|---|
| Cryptocurrencies | 350+ |
| Fiat Options | 40+ |
| Stablecoins | 30+ |
Fees. NOWPayments offers competitive transaction fees for both crypto and fiat payments. Crypto transactions are charged at a 0.5% fee, while fiat conversions are charged at 1%. Additionally, USDT deposits via the TRC20 network are free for the first two months, making it an attractive option for those starting. This transparent fee structure allows businesses to easily calculate their costs and optimize their margins.
| Fee Type | Amount |
|---|---|
| Crypto Transaction | 0.5% |
| Fiat Conversion | 1% |
| USDT TRC20 | 0% (first 2 months) |
Speed. NOWPayments offers instant processing for most crypto payments, ensuring quick and seamless transactions. This fast processing ensures minimal friction at checkout, improving the customer experience and reducing cart abandonment. Instant processing is key for businesses that want to provide a smooth and efficient experience to their customers. In addition to fast transactions, the platform offers real-time notifications for completed transactions.
| Speed Type | Details |
|---|---|
| Processing Time | Instant |
| Transaction Notifications | Real-time |
SSLCOMMERZ
SSLCommerz is one of the leading payment gateways in Bangladesh, known for its strong integration with local banks and mobile wallets. It allows merchants to accept payments via cards, internet banking, and mobile wallets, including the popular bKash and Rocket. SSLCommerz is a preferred choice for local businesses looking for a solution that seamlessly integrates with regional financial systems. The platform also offers e-commerce tools, making it a versatile choice for businesses of all sizes in Bangladesh.
Supported Assets. SSLCommerz primarily focuses on supporting local payment methods, including major credit and debit cards like Visa and Mastercard. It also enables mobile wallet integrations, such as bKash, Rocket, and Nagad, which are extremely popular in Bangladesh. The gateway supports internet banking as well, which allows customers to pay directly from their bank accounts. This local asset support ensures a seamless experience for the consumers in this area who prefer homegrown solutions.
| Supported Assets | Details |
|---|---|
| Cards | Visa, Mastercard |
| Mobile Wallets | bKash, Rocket, Nagad |
| Internet Banking | Supported (local banks) |
Fees. SSLCommerz charges a fee of around 2.5% for Visa and Mastercard transactions, with slightly higher fees for other card payments. For mobile wallet transactions, the fees vary, ranging from 1.85% to 2.1%. These fees make SSLCommerz an affordable solution for local merchants, especially those dealing with high transaction volumes. The transparent fee structure helps businesses plan their expenses accurately.
| Fee Type | Amount |
|---|---|
| Card Payments | ~2.5% (Visa/Mastercard) |
| Mobile Wallets | 1.85%–2.1% |
| Internet Banking | ~2.5% |
Speed. SSLCommerz offers same-day settlement for most transactions, ensuring that merchants can access their funds quickly. The platform supports real-time payment notifications, which help businesses track transactions instantly. Fast payment processing is critical for businesses that require timely access to funds for smooth cash flow management. SSLCommerz’s quick settlement feature is particularly valuable for retailers and small businesses.
| Speed Type | Details |
|---|---|
| Processing Time | Same day |
| Transaction Notifications | Real-time |
aamarPay
aamarPay is a leading payment gateway provider in Bangladesh, offering both local and international financial solutions. It enables businesses to handle transactions through cards, mobile wallets, and internet banking, making it versatile for various customer preferences. With its integration with leading banks and wallet services, aamarPay caters well to the Bangladeshi market. The platform also supports recurring payments, providing additional flexibility for subscription-based businesses.
Supported Assets. aamarPay supports payments via major credit and debit cards, mobile wallets like bKash, Rocket, and SureCash, as well as internet banking. This broad support enables businesses to cater to both local and international customers. Additionally, the gateway provides support for recurring billing, which is useful for subscription services. This diverse asset support ensures that aamarPay is suitable for businesses in a wide range of industries.
| Supported Assets | Details |
|---|---|
| Cards | Visa, Mastercard |
| Mobile Wallets | bKash, Rocket, SureCash |
| Internet Banking | Supported (local banks) |
Fees. aamarPay charges a fee of around 2.55%–3.25% for card payments, with slightly lower fees for mobile wallets, ranging from 1.85% to 2.1%. This fee structure is relatively competitive in the local market. For businesses dealing with high volumes of transactions, these fees remain manageable. The platform’s transparent pricing model ensures merchants can accurately calculate their costs.
| Fee Type | Amount |
|---|---|
| Card Payments | 2.55%–3.25% |
| Mobile Wallets | 1.85%–2.1% |
| Internet Banking | ~2.5% |
Speed. aamarPay typically processes payments within 2–3 business days, which is on par with local gateways. This slightly longer settlement time can be an inconvenience for businesses requiring faster access to funds. However, the platform does offer reliable processing speeds and real-time payment notifications. It is well-suited for businesses that don’t need immediate access to funds.
| Speed Type | Details |
|---|---|
| Processing Time | 2–3 business days |
| Transaction Notifications | Real-time |
ShurjoPay
ShurjoPay is a popular payment gateway in Bangladesh, offering a wide range of solutions tailored to local businesses. It supports transactions via cards, mobile wallets, and internet banking, ensuring flexibility for different customer preferences. With strong integration into Bangladesh’s financial ecosystem, it allows businesses to easily accept payments across various channels. ShurjoPay is ideal for businesses looking to expand their reach locally while ensuring regulatory compliance.
Supported Assets. ShurjoPay supports major credit and debit cards, local mobile wallets like bKash and Rocket, and internet banking options from local banks. This gives customers multiple ways to pay, depending on their preferences. The platform also integrates with local financial institutions, making it easier for businesses to manage payments. These supported assets ensure a seamless experience for businesses targeting Bangladesh’s diverse customer base.
| Supported Assets | Details |
|---|---|
| Cards | Visa, Mastercard |
| Mobile Wallets | bKash, Rocket |
| Internet Banking | Supported (local banks) |
Fees. ShurjoPay charges a fee of approximately 2.5% for corporate card transactions and slightly lower fees for mobile wallet payments, usually ranging from 1.5% to 2%. The fee structure is competitive for businesses in Bangladesh, where financial operation costs are a major concern. It offers transparent pricing that helps merchants predict their costs accurately. This is ideal for small and medium-sized businesses that are cost-sensitive.
| Fee Type | Amount |
|---|---|
| Card Payments | ~2.5% |
| Mobile Wallets | 1.5%–2.0% |
| Internet Banking | ~2.5% |
Speed. ShurjoPay’s settlement time is typically 1 week, which is a bit longer compared to some other gateways. This may be a limitation for businesses requiring faster access to funds. Despite this, the platform provides reliable payment processing with real-time transaction notifications. It remains a solid option for businesses that can afford slightly longer processing times.
| Speed Type | Details |
|---|---|
| Processing Time | 1 week |
| Transaction Notifications | Real-time |
2Checkout
2Checkout is an online payment gateway with a strong presence in Bangladesh, offering international payment solutions. It supports transactions through various channels, including major credit cards, PayPal, and digital wallets, making it suitable for global businesses. Known for its easy integration and wide reach, 2Checkout helps businesses scale globally while managing local compliance. Its international coverage and features make it an attractive option for businesses expanding into new markets.
Supported Assets. 2Checkout supports multiple payment methods like Visa, Mastercard, and American Express, as well as PayPal and several digital wallets. This diverse support allows businesses to cater to customers from various regions. Its extensive support for international transactions makes it ideal for businesses with a global customer base. This is particularly beneficial for companies looking to expand their reach beyond Bangladesh.
| Supported Assets | Details |
|---|---|
| Cards | Visa, Mastercard, AmEx |
| PayPal | Yes |
| Digital Wallets | Yes |
Fees. 2Checkout’s fees are approximately 3.9% + $0.45 per transaction, which is on the higher end of the spectrum. However, the platform offers a comprehensive global solution that justifies these higher fees for international merchants. For businesses operating in Bangladesh with global customers, this fee structure can be a worthwhile trade-off for the gateway’s extensive coverage. The transparent pricing ensures businesses understand their costs upfront.
| Fee Type | Amount |
|---|---|
| Card Payments | 3.9% + $0.45 |
| PayPal | Varies |
| Digital Wallets | Varies |
Speed. 2Checkout offers weekly settlements for transactions, which is a slower process compared to gateways like NOWPayments. However, for global businesses, the trade-off may be worth it due to its ability to handle multi-currency transactions. The gateway provides real-time payment notifications, ensuring businesses are always updated. This slower settlement time works for businesses that don’t require immediate fund access.
| Speed Type | Details |
|---|---|
| Processing Time | Weekly |
| Transaction Notifications | Real-time |
Conclusion
In this analysis, we have reviewed the top payment gateways for companies in Bangladesh, including NOWPayments, SSLCommerz, aamarPay, ShurjoPay, and 2Checkout. Each of these gateways offers unique features suited to various business needs, but the focus of this article was to evaluate the most reliable solutions for local and international transactions in Bangladesh. When considering factors like supported assets, fees, and processing speed, NOWPayments stands out as the ideal choice for enterprises in Bangladesh looking to expand their payment options.
NOWPayments excels as a reliable payment gateway due to its vast support for over 350 cryptocurrencies and 40+ fiat currencies, low transaction fees, and fast, instant processing. These features make it a standout for companies looking to diversify their methods and cater to an international customer base. With its competitive pricing and ease of integration, NOWPayments is clearly the most forward-thinking option for businesses aiming to stay ahead in the evolving landscape of digital transactions. It is the best choice for companies in Bangladesh that wish to offer a secure, versatile, and reliable service, ensuring long-term growth and success.