Choosing the right Bangladesh payment gateway is the first step to e‑commerce success. E-commerce in Bangladesh is growing rapidly. Currently, more than 200,000 local online stores accept digital payments. For merchants that want to process online payments and expand their business, choosing the right payment gateway is essential. The seven mainstream local payment gateways are A-Pay.one, SSLCOMMERZ, Aamarpay, bKash, Nagad, ShurjoPay, and PortWallet. This guide will carry out a detailed comparison of these gateways across five core dimensions: functionality, integration difficulty, settlement speed, compliance, and transaction fees.
Top Payment Gateways for Bangladesh E‑commerce
A-Pay.one: The Best Payment Gateway for Fast Global Settlements
A-Pay.one is a global aggregator designed for Bangladesh merchants who need fast settlement (next‑day) and high success rates. Unlike local gateways that often take 2‑3 days, A-Pay.one settles funds within 24 hours, improving cash flow for growing businesses. It supports bKash, Nagad, Visa, Mastercard, and Amex. The API and SDKs allow easy integration with popular e‑commerce platforms like Shopify, WooCommerce, and Magento. A-Pay.one is fully PCI‑DSS compliant and offers built‑in anti‑fraud tools, tokenization, and 3D Secure to protect both merchants and customers.
SSLCOMMERZ & Aamarpay: Leading Local Aggregators
Bangladesh’s two most widely used local payment gateways, SSLCOMMERZ and Aamarpay, have both operated for many years and earned the trust of thousands of e-commerce businesses. The two platforms support local wallets such as bKash and international card schemes such as Visa, and hold a compliant PSO (Payment Service Operator) license issued by the Central Bank of Bangladesh. The former offers a rich set of plugins compatible with all mainstream website building tools, while the latter features simple merchant onboarding, a user-friendly interface, and support for recurring payments.
bKash & Nagad: Essential Merchant Payment Options
bKash and Nagad are the dominant mobile financial services (MFS) in Bangladesh, with over 70 million active accounts combined. Every merchant should offer them as payment options because most local shoppers prefer mobile banking over cards. These wallets handle bKash and Nagad payments via API or QR codes. bKash also supports merchant payouts and bill payments. Nagad offers zero‑fee transactions for certain use cases. Integrating these wallets significantly improves conversion rates, especially for small‑ticket purchases.
ShurjoPay & PortWallet: Reliable Infrastructure for Growing Business
Bangladesh’s local payment gateways ShurjoPay and PortWallet provide reliable payment infrastructure for mid-sized e-commerce businesses. The two platforms support fast integration, are compatible with bKash and Nagad, and hold compliance certifications issued by the Central Bank of Bangladesh as well as PCI-DSS certification. PortWallet additionally offers virtual account and remittance API services.
Why Choose A-Pay.one as Your Primary Payment Gateway
A-Pay.one stands out for three main reasons:
Rapid Settlement – Get your funds faster than the standard 3‑day cycle.
Most local payment gateways complete fund settlements within 2–3 days, while A-Pay.one credits merchant accounts within 24 hours.
Simple Integration – Powerful API and SDK for quick e‑commerce setup.
Ready‑made plugins for Shopify, WooCommerce, Magento, and custom API for any platform. The onboarding process takes less than a day.
High Success Rates – Optimized processing for local cards and mobile wallets ( bKash, Nagad ).
Smart routing algorithms automatically select the optimal payment processor, reduce transaction declines, optimize the payment experience, and increase conversion rates.
Key Factors: Fees, Compliance, and Reliable Payment Support
When choosing the best payment gateway for Bangladesh, consider these key factors:
- The transaction fees of the three online payment gateways, namely SSLCOMMERZ, Aamarpay, and A-Pay.one, range from 2% to 3%.
- Settlement period – Same‑day, next‑day, or T+2? Faster settlement improves cash flow.
- Compliance – PCI‑DSS, PSO license from Bangladesh Bank, regulatory compliance with central bank rules.
- Payment methods – Does the gateway support bKash, Nagad, cards, Amex, net banking, QR?
- Data security – Encryption, anti‑fraud, 2FA, tokenization, 3D Secure.
- Customer support – 24/7 assistance via chat, email, or phone.
| Gateway | Settlement | bKash/Nagad | Cards | PCI‑DSS | Best for |
| A-Pay.one | Next‑day | ✅ | ✅ (incl.Amex) | ✅ | Fast global settlements |
| SSLCOMMERZ | T+2 | ✅ | ✅ | ✅ | Local e‑commerce leader |
| Aamarpay | T+2 | ✅ | ✅ | ✅ | Easy onboarding |
| bKash | Instant wallet | bKash only | ❌ | ✅ | MFS payments |
| Nagad | Instant wallet | Nagad only | ❌ | ✅ | MFS payments |
How to Integrate the Best Payment System for Your Business
- Choose a payment gateway that fits your e‑commerce volume, customer preferences, and budget.
- Sign up and complete the onboarding process – provide business documents, KYC, and PSO license verification.
- Integrate via API, SDK, or plugin ( WooCommerce, Shopify, Magento ). Most gateways provide sandbox mode for testing.
- Test in sandbox environment with dummy transactions to ensure everything works.
- The project is officially launched — switch to production environment encryption keys, and enable payment collection permissions for channels including bKash.
A-Pay.one offers ready‑made plugins and clear documentation for developers. The integration can be completed within a few hours.
A-Pay.one Global Presence: Our Reach and Compliance
A-Pay.one operates across multiple national markets including Bangladesh, India, Pakistan, Myanmar, and Nepal. It strictly adheres to local regulatory requirements, holds a PSO license, meets PCI-DSS standards, is equipped with an anti-fraud system, and supports fast settlement and multi-currency transactions. It is the optimal choice for merchants in Bangladesh that are expanding their cross-border businesses. We welcome interested merchants to join the hundreds of merchants already hosted on our platform and adopt our secure payment services.
