Summary of Plugins/SDKs that support Bangladeshi Payments: An Essential Guide for Developers

With the rapid development of digital economy in Bangladesh, more and more businesses and developers need to integrate local payment methods. This article will provide a comprehensive overview of the mainstream plugins and SDK solutions that support Bangladeshi payments in the current market, helping you quickly find the right payment integration tool for your project.

I. Why a specialised Bangladesh payment solution is needed

Bangladesh has a unique financial ecosystem with limited coverage of mainstream international payment methods. Local consumers are more accustomed to using local mobile financial services such as bKash, Nagad, and Rocket. According to statistics, in 2023, Bangladesh has more than 60 million mobile wallet users, with a penetration rate of more than 35%.

For e-commerce platforms, SaaS services or app developers targeting the Bangladeshi market, integrating these local payment methods is a key factor in increasing conversion rates. Specialised payment plugins and SDKs can significantly reduce the technical barrier and compliance costs.

Second, the mainstream support for Bangladeshi payment plug-ins / SDK recommendations

1. bKash official SDK

• Applicable Scenarios: Direct access to bKash mobile wallet
• specificities::
  • Officially provided Android/iOS SDKs
  • Support for instant transfers and personal collections
  • API fully documented but in English only
• Integration difficulty: Medium (enterprise certification required)
• Cost structure: Charged at 1.5%-2.5% of the transaction amount

2. Nagad Merchant API

• Applicable Scenarios: E-wallet services in a governmental context
• specificities::
  • Well-designed RESTful API
  • PHP/Java/Python sample code rich
    Provide a sandbox test environment
    Particularly suitable for government-related projects
    Higher transaction limits (up to Tk. 50,000 per transaction)

Rocket Payment Gateway

as the mobile financial service of Dutch-Bangla Bank:

// Rocket PHP Integration Sample Code Snippet  

$rocket = new RocketPayment();

$rocket->setMerchantId('YOUR_ID');

$response = $rocket->createPayment(1500,'order123');

Benefits include bank-grade security standards and bulk payment capabilities.

Payza Bangladesh SDK

Featured Functional Highlights:

✔️ supports bKash/Nagad/Rocket channels at the same time!
✔️ offers WordPress/WooCommerce-specific plugin
✔️ automatic exchange rate conversion (BDT/USD)
✔️PCI DSS Level 1 Certification

Technology stack compatibility:

flat-roofed building	Android (operating system)	iOS	web
Supported Versions	4.4+	11+	All modern browsers

SSLWireless Integrated Solutions

This homegrown aggregator gateway deserves a separate profile:

-One-stop access to 15+ local payment methods
-Exclusive support for DBBL NexusPay
-Smart routing ensures high success rate
-Arabic interface option available

Its Dashboard data analysis feature is particularly powerful:

Typical implementation cycle takes only 3-7 business days.

III. Selection recommendations and technical considerations

Comparison table of key decision factors:

Independently interfacing with channels	Using an aggregation gateway
development cost	High (multiple systems)	Low (harmonised API)
handling fee	Negotiable preferential rates	Extra 0.3%-0.8%
settlement cycle	Varies (T+1 to T+5)	Harmonised settlement (T+2)
Technical Support	Contact the respective customer service	single point of contact (SPOC)

Special Notes:
⚠️ must handle 18%VAT calculation logic
⚠️ Some interfaces require mandatory IP whitelisting
Response programme for peak flows during Ramadan

IV. Successful Case References

1. Daraz Bangladesh through Payza.
→ Checkout Conversion Rate Improvement 27%
→ Reduction in customer complaints 40%

2. After Pathao Takeaway adopts SSLWireless.
→ Peak daily transactions exceeded 2 million

V. Projections of future trends

According to Bangladesh Bank data.

Projected additions in 2024.
✓ UPI-style interconnection system
✓ Cross-border QR code payment pilot programme

It is recommended that priority be given to programmes with the following characteristics.

☑︎QR Code Payment Extension Capability
☑︎BNPL (buy now, pay later) Interface Reservation
☑︎ Islamic Finance Compliance Options

VI. Frequently asked questions

Q:Can individual developers apply?

A:bKash and others strictly require proof of business registration.
However, aggregators such as Payza accept small-scale operators.

Q:How are refunds processed?

Most SDKs provide a standard reverse API.
Note that Nagad requires a slow manual review process.

Q:What is the difference between test environments?

Real accounts still send SMS verification codes while in the sandbox.
However, no actual deductions will be made.

Conclusion.

Choosing the right Deploy Dhaka local payment option should take into account.
Target user group preferences,
Expected transaction size,
Technical team capacity.
Recommended to start with Payza from a quick go-live perspective.
SSLWireless is preferred for high traffic projects.
Regular attention to the latest BB policy updates is essential.

VII. In-depth analysis of technology integration

1. API security best practices

Security should be given top priority while integrating the Bangladesh Payment System:

• dual authentication mechanism: All major SDKs require two-factor authentication with SMS OTP + Transaction PIN
• end-to-end encryption: TLS 1.2+ protocol is recommended, especially when dealing with bKash's Personal Access Token.
• Sensitive data storage: The local card information must be PCI DSS compliant, and a tokenisation scheme is recommended.

Example of typical security header setup (Node.js):

const secureHeaders = {

  'Content-Type': 'application/json',

  'X-API-KEY': process.env.PAYMENT_API_KEY,

  'X-TIMESTAMP': Date.now(),

  'X-SIGNATURE': generateSHA256(payload + secret)

};

2. Webhook configuration points

Proper handling of asynchronous notifications is key to avoiding disputes:

flat-roofed building	Retesting mechanism	timeout	signature verification
bKash	3 times/5-minute intervals	15 seconds.	RSA-SHA256
Nagad	6/indexed retreats	30 seconds	HMAC-SHA512
SSLWireless	Unlimited until 200 responses	60 seconds.	MD5 hash

Recommendations are realised:
✔️ idempotency processing logic
✔️ Early Warning System for Failure Events
Automated reconciliation between ✔️ and the reconciliation system

VIII. Special optimisation programme for mobile

Android Development Considerations

// bKash SDK initialisation example (needs to be executed in the main thread)

BkashPayment.init(context).setEnv(Environment.SANDBOX).build()



// Nagad needs to handle Chrome Custom Tabs additionally.

val nagadIntent = Intent(Intent.ACTION_VIEW).apply { 

    data = Uri.parse("nagad://pay?amount=$amount&invoice=$orderId")

}

startActivityForResult(nagadIntent, REQUEST_CODE)

Frequently Asked Questions Troubleshooting:
🔧 Proguard obfuscation rules need to retain payment classes
🔧 AndroidManifest needs to declare specific intent-filter
🔧 ARMv7 compatibility issues (especially older Samsung devices)

iOS Swift Integration Tips

// The recommended way to write the @objc method for Rocket SDK bridge handling 

@objc(RocketPaymentManager) 

class PaymentManager: NSObject {

    @objc static func processPayment(_ amount: String) {

        let params = ["trxID": UUID().uuidString]

        Rocket.shared.pay(params: params)

    }

}

Special attention:
📱 Info.plist must add LSApplicationQueriesSchemes
📱 SwiftUI projects need to use UIViewControllerRepresentable wrapper
📱Special certificate configuration during TestFlight testing

IX. Performance monitoring metrics reference

The establishment of a sound observation system should include:

Core Indicator Items Alarm Thresholds Measurement Tool Recommendations
Success rate <95% (1h continuous) NewRelic/Datadog
Average response time >3000ms Sentry+ Custom Buried Points
Concurrency <50TPS (Basic) JMeter stress test

Examples of optimisation directions.
- Nagad bulk query interface merge request
- bKash transaction state caching policy
- SSLWireless Connection Pool Tuning

X. Comparison of alternatives Comparison of alternatives

Alternative strategies when primary channels are not available.

First Tier Standby.
➤ DBBL Mobile Banking
➤ Trust Axiata Pay

Emergency solutions.
➤ Cash on Delivery Enhanced Processes
➤ USDT Stablecoin Settlement Channel

XI. Legal compliance checklist

Guidelines for Preparation of Required Documents.

☑︎ Bangladesh Bank Foreign Exchange Registration Form (BEFTN)
☑︎ Copy of PSP licence issued by BTRC
☑︎ Proof of VAT registration (for B2C scenarios)

Special attention to the new 2024 regulations.
❗ Mandatory retention of full transaction logs for seven years from March
❗ Separate reporting required for transactions over Tk 500,000

XII. Extended reading resources

Summary of official documentation links.
- bKash Developer Portal. dev.bkash.com
- SSLWireless API Documentation. docs.sslwireless.com

Community Support Channels.
→ Bangladesh Fintech Developers Facebook Group
→ Stack Overflow's #bkash label