Online Payment in Bangladesh


What is Online Payment?

If you made any transaction online or similar ways are known as online payment. in other words, if you can make any transaction virtually (without hard cash) may call online payment.

In present days, there are several ways of online payments are available in Bangladesh. Mobile banking, Debit Card, Credit Card, Internet banking, Online transfer is few of the most important online payment method in Bangladesh.

Requirements for Online Payments

If you are a consumer, you will need to have either a mobile banking account or any bank debit or credit card. Here are few of them-

  • Mobile banking– bKash, Rocket, MyCash, SureCash, mCash etc.
  • Debit/Credit Cards– Visa, Master Card, Amex Card and JCB.
  • Wallet service– Payza, Paypal (Not available at this moment)


👉 Useful reads– How to get a bKash merchant account for business?

If you are a merchant and want to accept payments then you must have contact with any local banks to use their gateway. In Bangladesh there are several banks are providing this service at this moment. Like-

  • Brac Bank Payment gateway
  • Dutch Bangla bank Ltd (DBBL) payment gateway
  • City bank payment gateway

There are several rules and procedures to get the approval of payment gateway from the banks. And often it gets a longer time and sometimes it does not get approval due to various reasons. In a word to get an online payment, gateway approval is not easy and not suitable if you are a new entrepreneur.

How to accept payment online without having banks gateway?

Then what’s the solution? How to get an online payment gateway easily in Bangladesh? YES! There is an alternate way known as Payment gateway aggregator. They will work as a 3rd party and will matchmake with you and bank. They are often faster and easy to get approval. But you should consider few extra charge especially additional % on transaction charges.

Online Payment


Here are some of the well-known payment gateway aggregator company in Bangladesh-

  • PortWallet
  • EasyPayWay
  • ShurjoPay
  • Walletmix etc.

Please be noted, all the above 3rd party online payment gateway company may charge an initial setup fee. Their charge will be more than the bank’s transaction charge. The good thing is in recent days, due to hard competition most of them reduce their charge even few of them offering free setup. While you will have good numbers of online transaction. You will be able to negotiate with them to get better TDR near to bank’s charge.

Why aggregator charge higher than a bank?

There are several reasons for charging extra. All the 3rd party payment gateway aggregator proving you free extensions for major CMS, like- Magento, OpenCart, WooCommerce, Prestashop and some more popular eCommerce CMS. They develop it and distribute it for free of cost with lifetime free upgrade for their clients. They also provide security for every transaction.

You will get access to a single dashboard for every available bank’s gateway. You don’t need to get separately. They will do the needful on your behalf. And there are few more services they are offering which may vary from one company to another. We will write a whole new article on their service in near future.

How could online payment gateway help you?

Online business has nothing but boomed in the past decade because buying and selling products online is faster and more convenient than any other means. And the efficient online payment service, available today is what makes it happen. Online business is nothing without a secure and effective online payment method where financial transactions are made and paid within few seconds.

security of online payemnt in BD.j

But what all the Internet merchants and business owners need to understand is the fact that the payment gateway must be handled carefully or else it will only lead to troubles. Sure this payment process is quick and hassle-free but if not done properly it may also lead to losses that you won’t expect. This has both pros and cons but it depends on you to weigh the pros more than the cons.

Understanding before accepting online payments

To do the online payment or accept the credit cards, you need to go through the online payment gateway. If you don’t know about the gateway then understand that the gateway is the secure and an automated system which takes the payment from a buyer and delivers it to the merchant. The work of the gateway is to accept the payment, authorize it and then accept or decline the transactions depending on the information accumulate in the process.

Needless to say, online payment processing has added lot of benefits both for the merchants as well as their customers. Consumers can easily make the payment through their Credit Cards, Master Cards or Visa Cards or Amex Cards. In fact, there are many other platforms which can do the credit on your behalf but for that, you must have the card associated with the necessary banks. There is no doubt that there are other platforms which are secure and do the transactions nationally and internationally.

Digital transaction for transparent business

For a long time, the banks called all the shots in providing the online payment services. But with time and many troubles along the way, the demand for a third-party online payment service provider has popped up. These firms not only just provide the service but also make it, secure for all the transactions to happen. The data provided by the customers in the process is encrypted and in no way can be stolen, thereby, depicting that it is safe to make the payment. They also go a long way in detecting frauds and helping businesses to run smoothly.

POS Payment in BD

Online business is gathering popularity by the day. With the increasing trend, a lot of customers are accepting this way to opt for the payment instead of paying the bucks directly. After all, who has the time to go to the store and buy something when you can just do that from the comforts of your home or your office cabin? But to accept the payments and handling the customers, the business owners must have their merchant accounts.


Online shopping carts are just another way that has really made it possible to add the item to the cart online and do the shopping. It is the trend which people are checking through in. This has made the whole system faster and easy, enhancing the shopping experience of the people.


  1. Tanvir Ahmed, contact with bKash Head office. Meet with Niaz Morshed Khan

  2. Wow! After all I got a website from where I be able to really obtain useful facts concerning my study and knowledge.

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