Choosing the right payment gateway is one of the most important decisions when building an ecommerce website in Bangladesh. bKash, Nagad, Rocket, and SSLCOMMERZ all serve different customer segments, have different fees, and require different setup processes. This guide explains each one clearly so you can decide what to integrate on your website.

Payment Methods Used in Bangladesh Ecommerce (2026)

• Cash on Delivery (COD): Still 65–75% of all orders in Bangladesh. Non-negotiable for any Bangladesh ecommerce business.
• bKash: 15–20% of orders. Most popular mobile payment for urban buyers.
• Nagad: 5–8% and growing. Strong in rural and semi-urban areas.
• Card payment (via SSLCOMMERZ): 5–8%. Urban, educated buyers who don't want to share their bKash PIN.
• Rocket (DBBL): 2–3%. Mostly used in specific demographics.

bKash Merchant Payment — The Most Important Gateway

What is bKash Merchant?

A regular bKash personal account is for person-to-person transfers. A bKash merchant account is for businesses — customers pay you by sending money to your merchant number, and bKash charges you a fee (not the customer). This is what you need on your ecommerce website.

How to Apply for bKash Merchant

1. Visit a bKash agent point or the bKash website
2. Bring: trade licence, NID, TIN certificate, and a photo
3. Fill out the merchant application form
4. Wait 3–7 working days for approval
5. Once approved, give your developer the merchant number and API credentials

bKash Merchant Fee

bKash charges 1.5% per transaction to the merchant. On a ৳1,000 order, bKash keeps ৳15. There are no monthly fees. There's also a yearly fee of approximately ৳1,200 for API access.

How it Works on Your Website

When a customer selects bKash at checkout, they're redirected to the bKash payment page, complete the payment on their phone, and are redirected back to your order confirmation page. The order status updates automatically. Your developer integrates this using bKash's official Payment Gateway API.

Nagad Payment Gateway

Why Consider Nagad?

Nagad is run by Bangladesh Post Office and has grown rapidly since 2019. Transaction fees are slightly lower than bKash (~1.45%), and Nagad has stronger penetration in rural Bangladesh. If your products appeal to buyers outside Dhaka and Chittagong, Nagad is important.

How to Apply

Apply online at nagad.com.bd → Merchant → Register. You need a trade licence and NID. Approval takes 3–10 working days. The API integration is straightforward for any experienced developer.

SSLCOMMERZ — All-in-One Gateway

What is SSLCOMMERZ?

SSLCOMMERZ is Bangladesh's largest payment aggregator. One integration gives your customers the option to pay via:

• All major bank credit and debit cards (Visa, Mastercard, AMEX)
• Internet banking (Dutch-Bangla, BRAC, City Bank, etc.)
• bKash, Nagad, Rocket, and other mobile banking through one checkout page

SSLCOMMERZ Fees

• One-time setup fee: ৳5,000–৳15,000
• Transaction fee: 2.5–3.5% depending on payment method
• Annual maintenance fee: ~৳6,000–৳12,000

When to Use SSLCOMMERZ

SSLCOMMERZ makes sense when you want a single gateway that handles all payment types. For businesses just starting out, integrating bKash and Nagad separately is cheaper. Once your monthly order volume exceeds ৳3–5 lakh, SSLCOMMERZ's convenience justifies the higher fee.

Rocket (Dutch-Bangla Mobile Banking)

Rocket has a smaller market share in ecommerce but is popular among Dutch-Bangla Bank customers, garment workers, and some rural segments. The API integration cost and process are similar to bKash merchant. Include it if your target market includes these segments.

Which Payment Gateways Should You Integrate?

Payment Integration — What Your Website Developer Does

Your ecommerce website developer integrates the payment gateways using each provider's official API. A well-built ecommerce website should:

• Show the available payment options clearly at checkout
• Update the order status automatically after successful payment
• Handle failed payments gracefully (redirect back to checkout, not lose the order)
• Store transaction IDs and payment amounts for each order
• Send the customer a confirmation email/WhatsApp on payment

At EOMSBD, all payment gateways (bKash, Nagad, SSLCOMMERZ, Rocket, COD) are integrated and tested as part of our ecommerce website development service. See our pricing page to find out which gateways are included in each package.

Summary

For most Bangladesh ecommerce businesses in 2026, the ideal payment setup is: COD + bKash merchant + Nagad. This covers 90%+ of your customers at minimal cost. Add SSLCOMMERZ when you're ready to accept card payments and need a single dashboard for all transactions.

Need help setting up payments on your ecommerce website? WhatsApp us at 01784-222255 — we handle the entire integration, including applying for merchant accounts if needed.