← Blog

Payment Gateway Price in Bangladesh: 5 Providers Compared

Payment gateway price in Bangladesh comes down to three numbers. The first is a one-time setup fee, usually between ৳4,000 and ৳25,500. The second is a monthly fee, which most local gateways skip. The third is a per-transaction rate of roughly 1.5% to 3.5%. Mobile wallets cost the least and cards cost the most. A small shop that sells mostly through bKash should start with bKash Merchant. A startup watching cash should look at AamarPay. A store that needs many card and bank options fits SSLCommerz, a team that wants to go live fast fits Moneybag, and a regulated merchant working across several Asian markets fits CoinPay.

The trouble is that published prices rarely match. Some gateways list a setup fee and no rate, others list a rate and no setup fee, and several quote per contract. You end up comparing numbers that do not measure the same thing.

This article puts the five providers side by side on setup fees, monthly fees, per-transaction rates and settlement. It also shows who each one suits and where it falls short. Treat every figure as an indicative range and confirm it in writing before you sign.

1. CoinPay

CoinPay is a payment gateway provider for merchants in Southeast and South Asia, Bangladesh included. It prices each merchant individually instead of publishing a rate card. It is the one option here where you get a quote, not a number you can look up. That suits some businesses well and others poorly, as the trade-offs below show.

What it costs

Setup, per-transaction rates and settlement terms depend on your market, your payment journey and your settlement needs. You receive them after a merchant review that includes KYC and due diligence. The review is part of the price. It screens out scams, money games and deceptive schemes, which protects the stability of the payment channels you share with other approved merchants.

With CoinPay you learn the price only after the merchant review, and that price includes hands-on support.

Who it suits and trade-offs

CoinPay fits finance and operations teams that run a legitimate business in several Asian markets and want one partner for all of them. The company has five years of operating experience. It stays involved after integration, working on deposit friction and monitoring payment performance. It also offers USDT payments as a separate service.

The downside is speed and transparency for tiny merchants. There is no self-serve signup and no public price. If you only need bKash on a small store, a direct wallet account costs less and takes less effort.

2. SSLCommerz

SSLCommerz has the highest published setup fee of the five, and it also offers the widest range of payment methods. It suits merchants whose catalog and traffic justify paying more upfront.

What it costs

Published figures put the one-time setup fee at around ৳25,500, with no monthly fee. Cards run about 2.5%, American Express about 3.5%, and mobile wallets 1.85% to 2.1%. Settlement is quoted anywhere from same day to three days, so ask which applies to your account.

The setup fee looks heavy, yet volume changes the math. Take an illustrative shop with ৳1,000,000 in monthly card sales. A gateway that charges half a percentage point less saves ৳5,000 a month. That covers a ৳15,500 setup gap in about three months. Run the same break-even calculation with your own sales before you dismiss a pricier option.

Compare gateways on total cost at your monthly volume, not on the setup fee alone.

Who it suits and trade-offs

SSLCommerz supports 30+ payment methods, is PCI compliant, and offers ready plugins for WooCommerce and Shopify. It fits large e-commerce stores and marketplaces. The weak points are the upfront cost for a small startup and an approval process that can take time.

3. AamarPay

AamarPay is the budget-friendly choice for new online businesses. Its setup fee is the lowest of the full gateways in this list, and its wallet rates match the market leaders.

What it costs

Published setup fees run from ৳4,000 to ৳15,000, paid once, with no monthly fee. Cards cost 2.55% to 3.25% per transaction. Mobile wallets cost 1.85% to 2.1%. Onboarding takes two to four days, and settlement typically lands within two to three business days.

AamarPay keeps the entry cost low, and you pay the difference through slightly higher card rates.

Who it suits and trade-offs

Startups and small to medium stores with moderate sales get the most from it. You get a simple merchant dashboard, quick approval, a WooCommerce plugin and recurring billing for subscriptions. A wide spread in setup fees means you should negotiate, because the figure you land on depends on your business profile.

Expect lighter analytics than larger providers offer. Some merchants also report slower support when traffic peaks. If your customers mostly pay by card, the upper end of the card range will eat into the setup savings.

4. Moneybag

Moneybag is the quickest way to get one checkout handling cards, wallets and installments. Its published rates sit at the low end of the market, but they are less standardized than the others, so confirm them against your contract.

What it costs

Published estimates show a setup fee near ৳10,000 and per-transaction rates of roughly 1.8% to 2.4%, depending on method. Onboarding is quoted at one to two days. Settlement follows the cycle written in your merchant agreement, and rates may vary by contract, so ask for the full schedule including refund and chargeback charges.

Moneybag looks cheap on paper, so get the rate schedule in writing before you rely on it.

Who it suits and trade-offs

Moneybag accepts Visa, Mastercard, American Express, UnionPay, Diners Club and DBBL Nexus, plus bKash, Nagad, Rocket, upay and tap. It also offers EMI on the same checkout. Developers get an official WooCommerce plugin, REST APIs and SDKs for Node.js and PHP, so it suits startups and online stores that want one integration for everything.

As a newer provider, it has fewer public merchant reviews than long-standing gateways. That makes a short pilot and a written fee schedule worth the effort before you move all your volume.

5. bKash Merchant

bKash Merchant is the cheapest way to take payments from bKash users. It is also the narrowest. It accepts one wallet and nothing else, so the low rate only helps if your customers actually pay that way.

What it costs

Published rates are 1.5% to 2% per transaction. Setup is quoted at one to three days, and settlement arrives the same day or the next, depending on volume. No setup fee appears in published figures, so ask about it when you apply.

bKash Merchant has the lowest rate on this list, but it only collects from bKash users.

Who it suits and trade-offs

Small shops, freelancers and online sellers whose buyers already hold bKash wallets get the most value. Customers can pay through the app, a QR code or an API, and money arrives quickly. That helps cash flow.

You cannot take cards, so you lose any buyer who does not use the wallet. Reporting and analytics are thinner than on a full gateway. Many merchants run bKash Merchant alongside a card-capable gateway, and that pairing keeps the blended cost of payment gateway price in Bangladesh low without losing coverage.

How to pick without overpaying

Choose by your customers' payment habits first, then by total monthly cost, then by service. If most buyers use bKash, start with bKash Merchant. If you want the lowest entry cost, AamarPay is the logical pick, and a broad card catalog points to SSLCommerz. Moneybag fits a fast launch with one checkout. Ask every provider for the same four numbers in writing: setup fee, monthly fee, rate per method and settlement time.

For businesses running across Bangladesh and other Asian markets, a quote built around your volume and support needs makes more sense than a rate card. If that sounds like you, book a free demo call with CoinPay's payments team and bring your monthly volume and payment mix.