Standalone stations support the implementation of Bangladesh Payment

As a payment platform expert, here are a few of the main ways to implement Bangladesh (Bangladesh) payments on a standalone site:

1. Local payment gateway integration

Recommended Programme:

• bKash - The most popular mobile wallet in Bangladesh, reaching over 50 million users
• Nagad - Rapidly growing e-finance services supported by the Government
• Rocket (DBBL Mobile Banking) - Dutch-Bangla Bank's mobile banking service

Integration approach:

• API Direct Integration (requires local registered entity)
• Through third-party aggregated payment platforms (e.g. 2Checkout, Payoneer, etc.)

2. International credit/debit card processing

Although the penetration rate is low (about 151 TP3T), it is still an important channel:

• Visa/Mastercard gateway needs to ensure support for cards issued in Bangladesh
• AMEX and Discover have low acceptance in Bangladesh

3. PayPal alternative

PayPal can be considered due to its more restrictive nature in Bangladesh (only receipts not payments):

• Payoneer (widely used for cross-border collections)

4. Bank transfers and mobile financial services

Local banking solutions:

• UPI (United Payment Interface) - Instant Interbank Transfer System launched by the Central Bank of Bangladesh
• NPSB (National Payment Switch Bangladesh) - National payment exchange network to support interbank transactions
• EFTN (Electronic Fund Transfer Network) - Electronic Funds Transfer Network

Ways of realisation:

• Open a merchant account through your local banking partner
• API integration using local payment providers such as SSL Wireless

5. QR code payment programme

Swipe payment that is fast gaining popularity in Bangladesh:

• bKash QR - QR code payment system provided by bKash
• Nagad QR
• Upay QR(Provided by UCB Bank)

Integration Recommendations:

// PHP sample code framework (to be adapted to specific API documentation)

$paymentData = [

    'merchant_id' => 'YOUR_MERCHANT_ID',

    'amount' => $orderTotal,

    'reference' => $orderId,

    'customer_mobile' => $customerPhone //Must collect Bangladeshi mobile phone number (+880 format)

];



$qrCodeUrl = generateQRCodeThroughProviderAPI($paymentData);

6. BNPL (buy now pay later) option

Emerging consumer finance options: