How do payment gateways work in Bangladesh, and which should I use?
July 9, 2026 1 min read
SSLCommerz or aamarPay for cards and mobile wallets in one integration; bKash and Nagad direct when most of your customers pay from a wallet and you want the lower fee. Whichever you pick, the callback is the part that decides whether your ledger is correct.
The part every integration gets wrong
A payment is not complete when the customer sees a success page. It is complete when the gateway tells your server, on a channel the customer cannot forge, and your server records it exactly once.
Customers close tabs. Networks drop. Gateways retry the same callback three times. A system that marks an order paid from the browser redirect will eventually mark a failed payment as paid, and a system with no idempotency will settle the same order twice.
Choosing between them
An aggregator like SSLCommerz gets you cards, bKash, Nagad and internet banking behind one integration and one settlement report, at a slightly higher fee. Direct wallet integrations cost less per transaction and more per integration, and each has its own reconciliation.
For most businesses under a few hundred transactions a month, one aggregator is the right answer and the fee difference is smaller than the engineering.
What to keep from day one
The gateway's raw response, stored against the payment, whether it succeeded or failed. Reconciliation six months later is impossible without it, and it costs one text column.
