Top 10 Payment Gateways in Bangladesh (2026): SaaS & API-Friendly Ranked

If you’re building a SaaS platform in Bangladesh, your payment gateway choice is the most critical infrastructure decision you’ll make. Pick wrong and you’ll be fighting missing webhooks, no sandbox, no recurring billing — while your customers wait.

Here’s a 2026 ranking sorted by SaaS-fitness and API quality, not just popularity. Claims are verified against live official documentation where accessible.

Note on unverified providers: Nagad and ShurjoPay developer documentation could not be accessed during this review (SSRF protection blocked the sites). Their entries below reflect the last publicly known API capabilities — confirm directly with their teams before building.

1. SSLCOMMERZ

Best for: All-round SaaS, e-commerce, enterprise

The largest payment gateway aggregator in Bangladesh with 15+ years of operation. ISO certified, PCI DSS compliant, and the most widely integrated gateway in the BD market. 33+ payment options covering all cards, mobile banking (bKash, Nagad, Rocket, Upay), internet banking, and wallets.

SaaS score: ⭐⭐⭐⭐⭐

• REST API v4 at developer.sslcommerz.com
• Open registration for sandbox account
• IPN (Instant Payment Notification) webhooks
• EMI via 30+ banks
• Recurring payment support
• SDKs: PHP, Node.js, Python, Java, C#, Laravel, WooCommerce, Shopify
• GitHub org (sslcommerz) with open-source libraries
• Library resources and quick-start guides

Pricing: 2%–4% per transaction. Free 7-day trial on signup.

2. bKash Payment Gateway

Best for: SaaS with heavy bKash user base, recurring subscriptions, auth-and-capture flows

bKash’s merchant API platform (developer.bka.sh) is the most developer-friendly MFS offering in Bangladesh. OpenAPI-based, sandbox open to everyone without needing to complete merchant onboarding first.

SaaS score: ⭐⭐⭐⭐⭐

• Full REST API with Grant Token / Refresh Token auth flow
• Sandbox open to everyone — no onboarding required to test
• Tokenized Checkout for agreement-based/recurring payments
• Checkout URL (redirect-based) for simpler integrations
• Auth & Capture for escrow/delayed fulfillment
• Subscriptions for recurring amounts (EMI, insurance, etc.)
• Webhooks via AWS SNS
• Refund API (full & partial, up to 10 times per transaction)
• TLS 1.2 only (no legacy TLS support)

Pricing: ~1.5% (MFS) / 2%+ (card). Requires Commercial Merchant Account — PRA accounts are USSD-only with no API access.

3. Moneybag

Best for: Developers who want a Stripe-like REST API, subscriptions, EMI support

Moneybag is a newer payment gateway in Bangladesh with a notably modern developer experience. Clean REST API v2, sandbox environment with a live API Playground, and built-in subscription/EMI features make it stand out from more traditional BD gateways.

SaaS score: ⭐⭐⭐⭐⭐

• REST API v2 (api.moneybag.com.bd/api/v2 production; sandbox.api.moneybag.com.bd/api/v2 sandbox)
• Auth via X-Merchant-API-Key header — no complex signing
• Subscription API with daily/weekly/monthly/yearly cycles, automatic retries, trial periods, and proration
• EMI API (min ৳3,000 BDT) with multiple bank/tenure options
• API Playground — browser-based live testing with real endpoint responses using sandbox credentials
• Webhooks with signature verification
• SDKs: PHP (Laravel/Symfony/vanilla), Node.js (@moneybag/sdk npm package), WooCommerce plugin
• Python SDK listed as “Coming Soon” (not yet available)
• All cards (Visa, MC, Amex, JCB, UnionPay, Discover, Diners) + MFS (bKash, Nagad, Rocket, Upay)
• Free sandbox account — no approval needed to start testing
• GitHub org: Moneybag-SDK

Pricing: Contact for commercial rates. Sandbox is free.

4. aamarPay

Best for: Startups, SMEs, international payments

PSO licensed, PCI DSS Level 1 compliant. 15+ payment schemes including international cards and all local MFS. Popular among small-to-mid-size merchants.

SaaS score: ⭐⭐⭐⭐

• REST API with JSON integration (aamarpay.readme.io)
• Free sandbox/demo environment
• IPN webhooks
• Merchant app for mobile management
• QR payment support
• Plugins: WooCommerce, Magento, WHMCS, WiseCP, OpenCart, Clientexec
• Flutter package, Android library
• EMI and discount features built-in

⚠️ Doc staleness warning: aamarPay’s documentation shows no updates in approximately 3 years. The API and plugins are live, but confirm current feature parity directly with their team before deep integration.

Pricing: Competitive, generally lower than SSLCOMMERZ for startups.

5. PortPos (Portonics Limited)

Best for: Developer-first teams, API-first architecture

A technology-first payment gateway with a dedicated developer portal and clean API documentation. Rebranded from PortWallet to PortPos.

SaaS score: ⭐⭐⭐⭐

• REST API v1 and v2 documentation
• Sandbox at sandbox.portwallet.com
• Payment links (SendBill) for non-e-commerce use cases
• Plugins: WooCommerce, PrestaShop
• Paperless EMI support
• 99.9% uptime claimed
• Local & international card support

Pricing: Moderate, no setup fee.

6. Nagad

Best for: High-volume, low-value transactions, consumer apps

Bangladesh’s second-largest MFS, backed by the Bangladesh Postal Department. Aggressive pricing model.

SaaS score: ⭐⭐⭐ (partially unverified)

• Merchant API available (checkout, payout)
• Sandbox environment confirmed
• Webhook/IPN support
• Limited public SDK ecosystem
• Documentation less polished than top 5

Unverified: developer.nagad.com.bd could not be accessed during this review. API features listed here reflect previously known capabilities. Verify current documentation directly.

Pricing: ~0%–1% (aggressive). Best for high-volume low-margin businesses.

7. ShurjoPay

Best for: Quick WordPress/WooCommerce integration, small-to-medium e-commerce

Simple API integration with good WordPress plugin support. Popular among small e-commerce stores in Bangladesh.

SaaS score: ⭐⭐⭐ (partially unverified)

• Simple JSON API
• WooCommerce plugin
• Sandbox environment confirmed
• Limited recurring billing support
• Smaller merchant base compared to top 5

Unverified: www.shurjopay.com could not be accessed during this review. Verify current API capabilities directly.

Pricing: 2–3% range.

8. UddoktaPay

Best for: Teams that want self-hosted, full control over their payment infrastructure

UddoktaPay is not a managed payment gateway — it’s self-hosted, open-source payment management software. Think of it as a Stripe-like orchestration layer you run on your own server, which then integrates with underlying gateways. This is a categorically different product and is ranked separately.

SaaS score: ⭐⭐⭐ (self-hosted category — different value proposition)

• Open-source (Apache 2.0) since April 2025 — was a paid product from December 2021
• Laravel-based (PHP)
• API-first architecture
• Invoice-based payment flows
• Plugins for: WHMCS, FOSSBilling, PerfexCRM, Easy Digital Downloads, OpenCart, ClientExec, WISECP, Paymenter
• 181 stars on GitHub (uddoktapay/uddoktapay)
• Hosted version still available at uddoktapay.com for teams who want managed infrastructure
• You handle server/DevOps/security/patching yourself

Pricing: Free (open-source self-hosted). Hosted version pricing available at uddoktapay.com.

Important distinction: UddoktaPay replaces your payment orchestration layer, not the underlying gateway. You still need a merchant account with a traditional gateway like SSLCOMMERZ or bKash to actually move money. It’s for teams that want to own the software layer end-to-end.

9. Rocket (Dutch-Bangla Bank)

Best for: DBBL account holders, existing bank integration

Rocket is DBBL’s mobile banking service with merchant payment API capabilities.

SaaS score: ⭐⭐

• Merchant API available
• Limited public documentation
• No public sandbox confirmed
• Primarily a mobile banking product with gateway as add-on

Pricing: Bank-standard MFS rates.

10. Upay / iPay / QCash

Best for: Niche use cases only

Quick Comparison Table

The Verdict for SaaS Builders

One rule: never build on a gateway without a sandbox. If they don’t give you a test environment, they’re not ready for SaaS.