Direct wallet gateway
A payment service run by the wallet company itself, such as the bKash PGW or Nagad's merchant gateway. It accepts that 1 wallet. You sign with the wallet company and add 1 integration per wallet.
Which payment gateway is best in Bangladesh for the way your customers pay.
There is no single answer to which payment gateway is best in Bangladesh, because it depends on how your customers pay. If most of them pay by bKash or Nagad, a direct wallet gateway takes them straight to the wallet; if you also need cards and internet banking, an aggregator such as SSLCommerz, aamarPay or shurjoPay covers them through 1 merchant account. This guide compares the 2 setups on methods, settlement, documents, fees, integration and refunds, without ranking any vendor. Rizer builds both; Mystic Shop BD, a store we built, runs bKash directly with SSLCommerz beside it.
The short answer
Which gateway fits which kind of business?
Start from how your buyers pay today, then pick the setup that matches.
Definitions
What is the difference between a wallet gateway and an aggregator?
They differ in how many payment methods sit behind 1 contract.
Aggregator
A company that connects many payment methods behind 1 account, such as SSLCommerz, aamarPay or shurjoPay. Cards, mobile wallets and internet banking all arrive through the same API, and the aggregator settles the combined amount to your bank account.
Side by side
bKash or Nagad direct against SSLCommerz, aamarPay or shurjoPay, point by point.
9 points to compare before you apply.
Direct wallet gatewayAggregator
Payment methodsThe wallet's own customers onlyCards, several wallets and internet banking
Buyer's pathCheckout opens the wallet's page directlyCheckout opens a page where the buyer picks a method
Contracts1 agreement per wallet1 agreement for every method
DocumentsSet by each wallet companySet by the aggregator, often by business type
SettlementTerms in each wallet agreement1 payout schedule for all methods
FeesAgreed with each wallet; check current feesSet per method by the aggregator; check current fees
Integration workA separate API and set of keys for each wallet1 API, whatever the buyer pays with
RefundsThrough the wallet's refund APIThrough the aggregator, under its refund terms
FitsBusinesses whose buyers mostly use 1 walletBusinesses that also sell to card and bank customers
Coverage
Which payment methods does each gateway say it accepts?
The lists below come from each vendor's own website in October 2026, in no particular order. Confirm the current list before you apply.
bKash PGW
bKash wallet payments only. The bKash developer portal documents tokenized checkout with and without an agreement, an authorise and capture option, query and search APIs, and a refund API for the full amount or part of it.
Nagad merchant gateway
Nagad wallet payments only. Ask Nagad for its current merchant terms, documents and fees when you apply. Mystic Shop BD takes Nagad as a manual transfer.
SSLCommerz
Lists debit, credit and prepaid cards, 10 mobile banking brands including bKash, Nagad, Rocket and Upay, 10 internet banking brands, 4 e-wallets and EMI through 30+ banks. A sandbox opens after developer registration.
aamarPay
Lists 15+ payment schemes: Visa, Mastercard, UnionPay and Nexus cards, wallets such as bKash, Nagad, Rocket, Upay and Tap, and net banking. It offers a payment demo before you become a merchant and plugins for more than 13 types of CMS.
shurjoPay
Lists 18 channels, including Visa, Mastercard, American Express, bKash, Nagad, Rocket, Upay and Pathao Pay, with EMI, QR payments and payment links. Its plugins include WooCommerce, OpenCart, Laravel and Node.js.
Settlement
When does the money reach your bank?
Settlement is the payout from the gateway to you. Ask each vendor for its schedule in writing.
A business bank account in your name
shurjoPay states that it needs a separate business bank account and pays out on a weekly withdrawal schedule, which can move with bank working days, holidays or verification.
Wallet gateways settle under your agreement
With a direct bKash or Nagad gateway, the payout terms sit in your merchant agreement. Ask where the money lands, how often, and whether a minimum balance applies.
More gateways, more reports
Each gateway sends its own settlement report. With 1 aggregator you reconcile 1 report; with bKash direct plus an aggregator you reconcile 2. Saving the transaction ID on every order makes matching quick.
Documents
What documents does a payment gateway ask for?
Every gateway checks the business before it issues live credentials.
Fees
What do payment gateways in Bangladesh charge?
Fees are set by each vendor and change, so check current fees with the vendor and compare these 4 parts.
The fee on each payment
Most gateways take a share of each transaction, and the rate can differ between cards, wallets and internet banking. Work it out on your own mix of methods.
Setup, yearly and payout charges
Ask whether there is a setup fee, a yearly fee, or a charge on each withdrawal.
Platform charges
Shopify may add its own transaction fee when an order is paid through a third-party gateway. A custom store or WooCommerce adds no platform fee on top of the gateway's.
The build
You pay for integration work once, separately from the gateway's fees. It grows with the number of gateways and extras such as refunds from your admin.
Integration effort
How much work is it to add each gateway to your site?
Every gateway works the same way: your server creates the payment, the buyer pays on the gateway's page, and your server verifies it. The platform decides where that code lives.
Refunds
How do refunds work with each setup?
Refunds go back through the gateway that took the payment, so check refund terms before you choose.
Refund terms
3 points to check on refunds
Ask whether refunds can be partial, whether they can be sent from your admin through an API, and how long the buyer waits. The bKash developer portal lists a refund API for full or partial amounts. shurjoPay states that it reviews refund claims and refunds after verification.
Publish your own refund policy, as Mystic Shop BD does
2 aggregators
SSLCommerz vs aamarPay: what to compare.
Both are aggregators for cards, mobile wallets and internet banking. Neither is better for every business.
SSLCommerzaamarPay
Methods listedCards, 10 mobile banking and 10 internet banking brands, 4 e-wallets, EMI15+ schemes across cards, wallets and net banking
Testing before signingSandbox after developer registrationPayment demo before you become a merchant
DocumentsPublished list for each business typeAsk for the list for your business type
Fees and settlementCheck current fees and payout scheduleCheck current fees and payout schedule
Our Bangladeshi builds
3 checkouts, 3 different payment choices.
Both setups
Mystic Shop BD
bKash tokenized checkout for wallet buyers, SSLCommerz hosted payment for cards and other methods, manual Nagad and cash on delivery.
Direct bKash and an aggregator in 1 checkout
Manual first
IELTS Test BD
The mock test platform of British Language Club in Rajshahi. Students pay by mobile transfer with proof, staff approve it, and a card gateway is ready behind it.
Payment proof kept in private storage
Cash on delivery
NextGen Mobile
A Rajshahi phone store that takes cash on delivery across Bangladesh and confirms each order by phone. A gateway can be added to the same checkout later.
No platform fee or commission on sales
Questions
Choosing a payment gateway, common questions.
Which payment gateway is best in Bangladesh for a small online shop?
The one that matches how your buyers pay: a direct bKash gateway if most pay by bKash, or an aggregator if you also need cards and other wallets. Without a merchant account, start with cash on delivery and manual bKash transfers.
Is SSLCommerz better than aamarPay?
Neither is better for every business, since both are aggregators for cards, mobile wallets and internet banking. Compare current fees, payout schedule, documents and plugins.
Does SSLCommerz accept bKash and Nagad?
Yes, SSLCommerz lists bKash, Nagad, Rocket and Upay among its mobile banking brands. Compare the aggregator's wallet fee with a direct bKash agreement.
Do I need a direct bKash gateway if I already use an aggregator?
Not always, because aggregators already accept bKash. A direct gateway sends the buyer straight to the bKash page under your own bKash agreement. Mystic Shop BD runs bKash directly with SSLCommerz beside it.
What documents do I need for a payment gateway?
Usually a trade licence, TIN, the signatory's NID and bank details, with the exact list set by the gateway and your business type. SSLCommerz publishes its lists by business type; ask bKash, Nagad, aamarPay and shurjoPay for theirs.
What are payment gateway fees in Bangladesh?
Each vendor sets its own fees and changes them, so check current fees with the vendor before you sign. Compare the fee per method, any setup, yearly or withdrawal charges, and platform fees such as Shopify's.
Can I take online payments without a merchant account?
Yes, through manual bKash or Nagad transfers that your staff approve. Students on IELTS Test BD pay by mobile transfer this way, with a transaction reference and a screenshot.
How Rizer helps
We connect the gateway you choose.
Rizer has delivered 120+ projects over 8+ years, with a 4.9 average rating from 50+ reviews. You apply for the merchant account in your business's name, and we connect it.
Integration on your platform
bKash, Nagad, SSLCommerz, aamarPay or shurjoPay on WooCommerce, Shopify, a custom store or a web app. Details are on our payment gateway integration page.
bKash step by step
For the full path from merchant account to live payments, read our guide to accepting bKash on a website.
The rest of the store
Full store builds are on our ecommerce website development page and our guide to selling online in Bangladesh.
Remote, across Bangladesh
We work remotely through a free 15-minute call and email. See every Bangladesh page in our Bangladesh directory or the full list on our services page.
Client review.
"Rizer did SEO on my new travel agency site and we landed our first client within days. Clear reporting, kind communication, real results."
Benni Klein, Owner, Accessible Trip Brazil
Start here
Pick a gateway and get it connected.
On a free 15-minute call we ask how your buyers pay and which platform your site runs on, then recommend a setup and send a quote. Email works too: [email protected].