Shopify and Bangladesh Payment Gateway Docking Solution

I. Overview of payments in the Bangladesh market

Doing e-commerce business in Bangladesh requires understanding local payment habits:

• Bank card penetration is about 20%, but credit card ownership is less than 5%
• Mobile wallets are widely used (bKash, Nagad, Rocket, etc.)
• COD (cash on delivery) still accounts for more than 40% of e-commerce transactions
• Bank transfers are also common

II. Recommended payment gateway options

A. International General Programmes

1. PayPal: Partially accessible to users, but with exchange control restrictions
2. Stripe: Bangladeshi merchants are not yet officially supported
3. 2Checkout: International card support, limited local acceptance

B. Localised solutions

1. SSLCOMMERZ

   • Shopify's officially certified payment gateway in Bangladesh
   • Support for local bank cards (Mastercard/Visa/DBBL Nexus etc.)
   • bKash/Nagad/Rocket Mobile Wallet Integration
   • COD service optional

2. aamra PAY

   • Debit/Credit card processing capacity
   • bKash Integration Options

3. ShurjoPay

   • Bangladesh Bank approved Payment Service Provider (PSP)

4. bKash Merchant Account
   Can be applied for separately as a supplementary collection method

Third, Shopify docking steps (SSLCOMMERZ as an example)

1. Register for a merchant account
   Visit sslcommerz.com to apply for a business account (company documents required)

2.Shopify Back Office Settings:

Settings → Payments → Manage payment providers → Alternative payment methods 

→ Add manual payment method (enter SSLCOMMERZ information)

3.Choice of technology docking modality:

• Direct API integration (development resources required) or use an off-the-shelf plugin: The SSLCOMMERZ for Shopify plugin can be installed from the App Store.

4.Test environment validation:
Ensure that all transaction types (Visa/MasterCard/bKash/Nagad/COD etc.) are processed correctly.

5.pre-launch preparation:
Complete PCI DSS compliance checks and configure Webhook to receive real-time notifications.

IV. Important notes.

1.Regulatory Compliance:
Ensure compliance with Bangladesh Bank's foreign exchange regulations and anti-money laundering requirements.

2.Fee structure:
Usually 1%-3% per transaction with different rates for different payment methods.

3. Settlement cycle: T+7 to T+15 working days.

4. Refund processing: Establish a clear refund process to meet local consumer protection regulations.

5. Multi-currency considerations: While BDT is the primary currency, a USD option could be considered to serve an overseas customer base.

6. The alternative proposal suggests accessing at least two payment channels simultaneously to increase conversion rates.

# Shopify and Bangladesh Payment Gateway Interfacing Programme (continued)

V. Local mobile wallet deep integration programme

A. bKash integration details
1. Merchant Registration Process
- Apply through bKash Merchant Portal (business.bkash.com)
- Required: trade licence, TIN certificate, bank account information
- Review cycle: 7-10 working days

2. Technology interface modalities
"`javascript
// Example call to the bKash API snippet
bkash.init({
paymentMode: 'checkout',
paymentRequest: {
amount: '1000',
intent: 'sale'
},
createRequest: function(request) {
// Call the backend to create the payment request
},
executeRequestOnAuthorization: function() {
// Payment success processing logic
}
});
“`

3. Shopify plugin options
It is recommended to use third-party developed intermediary plugins such as:
- "bKash Payment Gateway for Shopify"
- "Bangladesh Payment Solutions"

B. Nagad and Rocket integration points

| Characteristics | Nagad | Rocket | Rocket
|————|—————|—————|
| API documentation | developer.nagad.com | rocket.com.bd/api |
| Settlement Period | T+3 | T+5 | Settlement Period
| Handling Rate | 1.4%-1.8% | 1.5%-2% |

VI. Cash on Delivery (COD) optimisation strategy

Special Configuration Recommendations:
“`
// Shopify COD setup template code (liquid)
{% if shipping_address.country_code == 'BD' %}

{% endif %}
“`

Risk management measures:
-Set area restrictions (avoid remote areas)
-Partial deposit in advance (prepayment of 20% via link)
-Establishment of a blacklisting system to record bad shipping addresses

VII. Solution library for common problems

Q1: How to deal with the high failure rate of bank card transactions?
A: Implement the following improvements:
"`Mermaid
graph TD.
A[Failed transaction] -> B{Reason for failure analysed}.
B -> C[3D Secure Verification].
B -> D [issuer restrictions].
C -> E [add bootstrap page].
D -> F [contact local bank whitelist].
“`

Q2: How to reduce the abandonment rate of mobile wallet payments?
Best Practices Inventory:
✓ Show wallet QR code icon on checkout page
✓ Add "Save payment information" option
✓ Set up automatic jumps back to deep links in the shop

VIII. Advanced operational recommendations

Multi-Gateway Load Balancing Configuration Example.
"`yaml
payment_gateways.
primary.
provider: sslcommerz
fallback_threshold:15%
secondary.
provider:nagad
trigger_condition: "weekend OR mobile_user"
emergency.
provider:bKash
active_when: "primary_down >30min"
“`

Benchmark values for performance monitoring indicators (Bangladesh market):
✅Page load time.<3s ✅支付流程步骤:<4步 ✅otp验证成功率应>92%

Do you need to go further into a specific area? For example, the technical specifications of a particular gateway or a list of compliance documents to prepare?