Online Payment in Bangladesh — The Complete Picture
Bangladesh's digital payment ecosystem has grown rapidly. In 2026, over 60% of online transactions in Bangladesh happen through mobile financial services. If your website or online shop does not accept digital payments, you are losing a massive portion of potential customers.
Payment Methods Available for eCommerce in Bangladesh
- bKash — largest MFS, 65M+ users
- Nagad — government-backed, 80M+ users, lower fees
- Rocket (DBBL) — popular in rural areas
- SSLCommerz — card payment (Visa/Mastercard) plus MFS gateway
- Cash on Delivery (COD) — still 70–80% of Bangladesh orders
bKash Payment Gateway for Websites
bKash is the most recognised payment brand in Bangladesh. Adding bKash to your website gives an instant trust signal — customers feel safe paying through bKash.
- bKash merchant account required (apply via bKash business portal)
- API integration for custom websites, plugin for WooCommerce
- Fee: 1.85% per transaction
- Settlement: next business day to your bank
Nagad Payment Gateway for Websites
Nagad is now Bangladesh's largest MFS by user count (80M+). It has a lower merchant fee than bKash:
- Fee: 1.5% per transaction (0.35% cheaper than bKash)
- Integration: API for custom sites, plugin for WooCommerce
- Requires Nagad merchant account (apply via nagad.com.bd)
- Settlement: same-day to your merchant wallet, then bank transfer
Rocket (DBBL) Payment Gateway
Dutch-Bangla Bank's Rocket MFS has strong adoption in rural and semi-urban areas. If your customer base includes these areas, Rocket is worth integrating. Fee: approximately 1.5% per transaction.
SSLCommerz — Accept Visa, Mastercard and All MFS at Once
SSLCommerz is Bangladesh's largest payment gateway aggregator. Instead of integrating bKash, Nagad, and cards separately, SSLCommerz gives you all in one integration:
- Visa and Mastercard (debit and credit)
- bKash, Nagad, Rocket — all under one API
- Internet banking — DBBL, Brac Bank, etc.
- Fee: 2.5% for cards, 1.5–1.85% for MFS (varies by gateway)
Payment Gateway Fees Comparison — Bangladesh 2026
| Gateway | Merchant Fee | Settlement | Best For |
|---|---|---|---|
| bKash | 1.85% | Next day | Urban customers, brand trust |
| Nagad | 1.5% | Same day wallet | Rural, lower fees |
| Rocket | ~1.5% | Next day | Rural/garments workers |
| SSLCommerz (card) | 2.5% | 2–3 days | Card-paying customers |
| SSLCommerz (MFS) | 1.5–1.85% | 2–3 days | One-stop integration |
Which Payment Gateway Should You Add First?
For most Bangladesh eCommerce websites in 2026, we recommend this priority:
- bKash — add first, maximum trust and recognition
- Nagad — add second, lower fees, huge user base
- SSLCommerz — add third, for card payments and international customers
Cash on Delivery (COD) should always be available alongside digital payments, as it still accounts for 70–80% of Bangladesh eCommerce orders.
How Much Does Payment Gateway Integration Cost?
- bKash alone: ৳3,000–৳8,000 (setup fee for WooCommerce plugin)
- Nagad alone: ৳3,000–৳8,000
- bKash + Nagad + SSLCommerz: ৳10,000–৳20,000
- Merchant account fees: Free for bKash and Nagad (they earn from transaction fees)
Get Your Payment Gateway Set Up
EOMS has integrated bKash, Nagad, Rocket, and SSLCommerz into 300+ eCommerce websites in Bangladesh. We handle the merchant account application, API integration, testing, and go-live.
Call/WhatsApp: 01784-222255 | eomsbd@gmail.com