What is Nagad Payment Gateway?
Nagad is Bangladesh's second-largest mobile financial service, operated by Bangladesh Post Office. With over 80 million registered users in Bangladesh, integrating Nagad payment into your eCommerce website is no longer optional — it's essential.
Why Add Nagad to Your eCommerce Website?
- 80 million+ active users — huge customer base
- Lower transaction fee — Nagad charges 1.5% vs bKash's 1.85% for merchant payments
- Instant settlement — funds credited to your merchant account within minutes
- Cash-out advantage — customers can easily cash out, encouraging more purchases
- Growing trust — government-backed, increasing in rural areas where bKash dominance is lower
Nagad Merchant Account Setup — Step by Step
Step 1: Apply for a Nagad Merchant Account
Visit the Nagad merchant portal or contact Nagad directly. You will need:
- Trade license
- TIN certificate
- Bank account details
- National ID of the business owner
- Your website URL
Step 2: Get Your Merchant Credentials
After approval (typically 5–7 working days), Nagad provides your Merchant ID, Public Key and Private Key for API authentication.
Step 3: API Integration Options
Nagad offers two integration methods:
- Direct API — for custom websites (Laravel, Node.js, PHP)
- Plugin — for WooCommerce WordPress websites
Nagad Integration for WooCommerce
If your eCommerce site runs on WooCommerce, integration is simple:
- Install the Nagad WooCommerce Payment Gateway plugin
- Enter your Merchant ID, Public Key and Private Key in the plugin settings
- Enable sandbox mode for testing
- Test with a real Nagad account in sandbox before going live
- Switch to production mode and go live
Nagad Integration for Laravel
For custom-built Laravel websites, install the package via composer and configure your .env file with your Merchant ID, Public Key and Private Key. The package handles payment initiation, callback, and verification automatically.
Nagad Payment Fees in Bangladesh 2026
| Transaction Type | Fee |
|---|---|
| Customer Payment to Merchant | Free for customer |
| Merchant Receives Payment | 1.5% per transaction |
| Merchant Cash Out to Bank | 0.45% per transaction |
| Monthly Minimum Fee | None |
Nagad vs bKash — Which is Better?
| Feature | Nagad | bKash |
|---|---|---|
| Merchant Fee | 1.5% | 1.85% |
| Users in Bangladesh | 80M+ | 65M+ |
| Rural Reach | Stronger | Moderate |
| WooCommerce Plugin | Yes | Yes |
| Laravel Package | Yes | Yes |
Our recommendation: Integrate both. Most successful eCommerce websites in Bangladesh offer both Nagad and bKash to maximize customer reach.
Need Help Integrating Nagad?
EOMS has integrated Nagad and bKash payment gateways into 200+ eCommerce websites in Bangladesh. We handle the full setup — merchant account application, API integration, testing, and going live.
Contact us: 01784-222255 | eomsbd@gmail.com