Choosing a payment gateway is one of the first serious decisions an online business makes. The cheapest option is not always the best one. Customers need familiar payment methods, the checkout must work reliably, and your team needs clear settlement and refund records.
This comparison looks at four established options available to Bangladeshi merchants. We reviewed their official websites on 22 August 2026 and compared payment coverage, integration choices, published pricing and the type of business each service appears to suit.
Quick comparison
| Gateway | Best fit | Notable strength |
|---|---|---|
| SSLCOMMERZ | Growing ecommerce stores | Broad channel coverage and publicly listed basic pricing |
| aamarPay | Small and medium online businesses | Multiple payment methods and straightforward API-led checkout |
| shurjoPay | Businesses wanting guided onboarding | Merchant dashboard, payment tracking and local support |
| PortPos | F-commerce and payment-link users | SendBill links even without a full ecommerce website |
This is not a claim that one gateway is best for everyone. Final pricing, approval requirements and settlement terms can vary by business type and negotiated offer.
1. SSLCOMMERZ: strong all-round choice
SSLCOMMERZ supports cards, mobile financial services and other standard payment channels through one checkout. Its public pricing page currently lists a Basic package with a Tk 25,500 non-refundable setup fee and transaction fees starting at 2.5% per successful transaction, with 3.5% shown for American Express.
Its main advantage is maturity: a merchant can accept several popular Bangladeshi payment methods without building a separate integration for each provider. It is a sensible shortlist candidate for a store expecting regular order volume.
Check before signing: settlement schedule, refund charges, international-card acceptance, recurring-payment needs and the final commercial offer for your category.
2. aamarPay: flexible for SMEs
aamarPay promotes card, mobile wallet and internet-banking support, along with API integration and a merchant checkout. It is worth considering when you want a local gateway with several payment options but do not want to assume that the largest provider is automatically the right provider.
The public homepage does not provide enough detail for us to make a fair universal price claim. Ask for a written quotation covering setup, transaction rates, VAT, refunds, chargebacks and settlement time.
3. shurjoPay: practical merchant tools
shurjoPay highlights quick setup, secure transactions and real-time tracking. Its official site says it serves more than 1,500 merchants. The service can be attractive to organisations that value onboarding assistance and a dashboard for reviewing payments.
Before choosing it, request the current supported-channel list and confirm that a maintained plugin exists for your ecommerce platform.
4. PortPos: useful beyond traditional ecommerce
PortPos supports cards and mobile wallets and promotes pre-built integrations. Its SendBill product lets a merchant create payment links and share them through channels such as email, SMS or messaging apps. That can be useful for Facebook sellers, service businesses and shops that do not yet have a full online store.
The provider says SendBill has no setup fee and charges per transaction. Confirm the exact rate and settlement terms for your account.
How to choose the right gateway
- List the payment methods customers actually use. Do not pay for a long feature list while missing the one wallet your buyers prefer.
- Calculate the complete cost. Include setup, transaction fees, VAT, refunds, chargebacks and withdrawal costs.
- Check settlement timing. Cash flow matters to a small business.
- Test the checkout on mobile. Many Bangladeshi customers buy from phones and will leave a confusing form.
- Confirm support and uptime procedures. Ask what happens when a payment is deducted but an order is not confirmed.
- Review developer support. Look for current documentation, sandbox access, callbacks, transaction verification and maintained plugins.
What documents may be required?
Requirements vary, but merchants commonly need identity and business documents, bank information, a trade licence, TIN-related information and a working website with policies and contact details. Ask the provider for its current checklist before paying any setup fee.
If your business still needs a reliable online home, SiteChai offers domain registration, web hosting and WordPress hosting. A gateway application is easier when your website clearly shows products, prices, refund terms and business contact information.
Questions to ask before signing
- What is the final transaction rate for every channel?
- How many working days does settlement take?
- Who pays the fee when an order is refunded?
- Is there a sandbox and a maintained WooCommerce plugin?
- How are chargebacks and disputed transactions handled?
- Can international cards be enabled for my business type?
Frequently asked questions
Which payment gateway is cheapest in Bangladesh?
There is no single cheapest provider for every merchant. Your volume, payment mix, setup fee, settlement cost and negotiated rate change the answer.
Can a Facebook shop use a payment gateway?
Some providers offer payment links that work without a complete ecommerce checkout. The merchant still needs to satisfy onboarding and compliance requirements.
Do I need a business website?
Requirements differ, but a professional website with clear products, policies and contact information improves customer trust and can simplify merchant review.
Our recommendation
Start by requesting written quotations from at least three providers. SSLCOMMERZ is a strong all-round shortlist choice, while aamarPay, shurjoPay and PortPos may fit specific budgets or workflows better. Test the real checkout and support response before committing.