{"id":2571,"date":"2025-05-12T14:06:23","date_gmt":"2025-05-12T06:06:23","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2571"},"modified":"2025-05-12T14:06:23","modified_gmt":"2025-05-12T06:06:23","slug":"dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/","title":{"rendered":"How does Dropshipping handle payments for Bangladeshi customers?"},"content":{"rendered":"<p>When running a Dropshipping business in Bangladesh, dealing with local customers' payment issues requires a combination of the country's financial environment, regulatory constraints, and consumer habits. Here are the key strategies and solutions:<\/p>\n<h3>I. Integration of mainstream payment methods<\/h3>\n<ol>\n<li>\n<p><strong>Mobile Wallet Priority<\/strong><\/p>\n<ul>\n<li>bKash (market share 47%): need to be signed up through a locally registered business or accessed in partnership with an aggregator platform such as Paymentwall<\/li>\n<li>Nagad (government background): provides QR code payment API, suitable for micro-transactions<\/li>\n<li>Rocket (DBBL Bank System): Support cross-border merchant application, need to submit the central bank of Bangladesh filing documents<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Bank Card Solutions<\/strong><\/p>\n<ul>\n<li>Local Acquiring: with Prime Bank or Eastern Bank, Visa\/Mastercard acceptance rate around 28%<\/li>\n<li>International Card Processing: Stripe does not support Bangladeshi card issuers, it is recommended to configure Checkout.com + 3D Secure authentication<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Cash payment networks<\/strong><\/p>\n<ul>\n<li>SSL Wireless' Rocket Cash on Delivery: Pre-Authorisation Mode Reduces 30% Rejection Rates<\/li>\n<li>Pathao Logistics Collections: Integration of its API for next day settlement of COD funds<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. Compliance architecture design<\/h3>\n<ol>\n<li><strong>Exchange control response<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Registration of LLC company using local entity (minimum capital of Tk. 50,000) with foreign exchange settlement through FCA licensed companies<\/li>\n<li>BTRC import registration number is required for single transaction over $500.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>Tax optimisation<\/strong><\/li>\n<\/ol>\n<ul>\n<li>VAT registration threshold Tk 3.6 million annual turnover, 15% reverse levy mechanism applicable for cross-border e-commerce<\/li>\n<li>Lower tax base by charging for technical services through Singapore holding company<\/li>\n<\/ul>\n<h3>III. Special measures for risk control<\/h3>\n<ol>\n<li><strong>Fraud prevention<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Bangladesh IP segment mandatory SMS OTP verification (Airtel number segment check)<\/li>\n<li>COD order withholding 20% deposit done via bKash<\/li>\n<\/ul>\n<p>2.<strong>Matrix of options<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>Client Type<\/th>\n<th>Tier 1 cities<\/th>\n<th>Tier 2 cities<\/th>\n<th>Rural<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>&lt;$50 order<\/td>\n<td>bKash Instant Payments<\/td>\n<td>Nagad scanning code<\/td>\n<td>USSD Code Payment<\/td>\n<\/tr>\n<tr>\n<td><x-equation>50-<\/x-equation>200<\/td>\n<td>Visa instalments<\/td>\n<td>Agent network prepayment<\/td>\n<td>Post Office remittances<\/td>\n<\/tr>\n<tr>\n<td>&gt;$200<\/td>\n<td>LC Follow-up Collections<\/td>\n<td>Escrow Hosting<\/td>\n<td>BTC OTC<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Implementation of recommendations<\/strong>::<br \/>\nInitially, priority is given to docking bKash + SSL Wireless COD combination to cover 85% users; applying for local EMI licence after monthly water flow exceeds $50,000; using TransferWise Borderless account to handle multi-currency settlement.<\/p>\n<p>Take care to avoid using PayPal personal account to receive payments - RBI Bangladesh to clamp down on such unauthorised forex outflow channels from 2023.<\/p>\n<h3><strong>Fourth, advanced payment solutions and practical advice<\/strong><\/h3>\n<h4><strong>1. Localised Acquiring (LAC)<\/strong><\/h4>\n<p>Bangladesh's central bank has asked that international e-commerce transactions need to be processed through local banks or authorised payment service providers (PSPs) or risk freezing of funds.<\/p>\n<ul>\n<li><strong>Cooperation Recommendation<\/strong>::\n<ul>\n<li><strong>Eastern Bank Limited (EBL)<\/strong> - Provide cross-border e-commerce acquiring, support instalment payment<\/li>\n<li><strong>Prime Bank PG<\/strong> - Visa\/Mastercard direct billing, T+3 to account<\/li>\n<li><strong>SSLCOMMERZ<\/strong> - Largest local gateway with bKash\/Nagad\/card aggregation support<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u2705 <em>cutting edge<\/em>: Reduced rejection rate (can be controlled below 5%) and compliance with foreign exchange regulations.<br \/>\n\u26a0\ufe0f <em>challenge<\/em>: Local company registration is required (compliant agent is available), minimum monthly current requirement of $50K+.<\/p>\n<hr>\n<h4><strong>2. BNPL (buy now pay later) strategy adapted to low credit card penetration rates<\/strong><\/h4>\n<p>Only 11% Bangladeshis have credit cards, but BNPL is growing rapidly:<\/p>\n<ul>\n<li><strong>bKash FlexiPay<\/strong> \u2192 Allow customers to pay interest-free in 3 instalments (merchant whitelisting required)<\/li>\n<li><strong>DMoney PostPay<\/strong> \u2192 Dropshipping friendly, lenient review but higher rates (15%-20%)<\/li>\n<li><strong>International programmes such as Tabby\/Aftersell are not yet on the market<\/strong><\/li>\n<\/ul>\n<p>\ud83d\udccc <em>Operational Skills<\/em>: Highlighting 'Interest-free by instalment' on the checkout page can increase conversion rate by 30%.<\/p>\n<hr>\n<h4>  V. Logistics COD optimisation programme (key!)<\/h4>\n<p>Bangladesh 80%Dropshipping orders still rely on Cash on Delivery (COD) but have a rejection rate of 40%+. How to improve?<\/p>\n<table>\n<thead>\n<tr>\n<th>\ud83d\udccc Risk control measures<\/th>\n<th>\ud83d\udca1 Specific implementation modalities<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud83d\udee1\ufe0f pre-authorisation deposit<\/td>\n<td>bKash charges 10%-20% (locks in customer intent even for COD orders)<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udcf1 WhatsApp confirmed<\/td>\n<td>AI auto dialling voice confirmation order (local call rate &lt;$0.01\/call)<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\ude9a Logistics Co-operation Preferred<\/td>\n<td>Pathao better at recognising fraudulent addresses vs Sundarban Courier<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud83d\udcb8 <em>Accelerated return of funds<\/em>: Choose the \"Partial Settlement\" mode - the logistics company pays 70% per week in advance and settles the remaining 30% after delivery.<\/p>\n<hr>\n<h3>  VI. Alternative cross-border collection channels<\/h3>\n<p>If it is not possible to register a local entity, a workaround can be used:<\/p>\n<p>1\ufe0f\u20e3 <strong><a href=\"https:\/\/www.2checkout.com\/\">2Checkout<\/a><\/strong> \u2192 Disguised as a SaaS subscription model to avoid regulatory spot checks<br \/>\n2\ufe0f\u20e3 <strong><a href=\"https:\/\/www.airwallex.com\/\">Airwallex<\/a><\/strong> \u2192 HK demo account + Swift transfer to Bangladesh partner account<br \/>\n3\ufe0f\u20e3 <strong><a href=\"https:\/\/wise.com\/\">Wise Business<\/a><\/strong> \u2192 Local DetailsCash out in USD after receiving funds (daily limit $5k)<\/p>\n<p>\u2696\ufe0f <em>Legal Tips<\/em>: Avoid frequent large receipts with personal PayPal - sellers have already been blacklisted in 2024 for violating the Exchange Control Act.<\/p>\n<hr>\n<h3>  VII. Practical Checklist List<\/h3>\n<pre><code class=\"language-markdown\">\u2705 [ ] bKash Enterprise Account Application Completed + SSLCOMMERZ Sign Up  <br>\r\n\u2705 [ ] Shopify Shop Enable GeoIP Auto Switch Payment Methods Plugin <br>\r\n\u2705 [ ] COD policy states \"Three refusals will result in blacklisting\" and a pop-up window confirms it <br>\r\n\u2705 [ ] WhatsApp Business API Access Automated Order Verification <br>\r\n<\/code><\/pre>\n<p>Need an in-depth implementation guide for a specific segment? Please advise on the direction of refinement \ud83d\udc47<\/p>","protected":false},"excerpt":{"rendered":"<p>Handle local customer support while conducting Dropshipping business in Bangladesh...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2571","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5728\u5b5f\u52a0\u62c9\u5f00\u5c55Dropshipping\u4e1a\u52a1\u65f6\uff0c\u5904\u7406\u5f53\u5730\u5ba2\u6237\u7684\u652f&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-12T06:06:23+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"Dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f\",\"datePublished\":\"2025-05-12T06:06:23+00:00\",\"dateModified\":\"2025-05-12T06:06:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/\"},\"wordCount\":115,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5b5f\u52a0\u62c9\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/zh\/2025\/05\/12\/dropshipping%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%ae%a2%e6%88%b7%e7%9a%84%e6%94%af%e4%bb%98%e9%97%ae%e9%a2%98%ef%bc%9f\/\",\"name\":\"Dropshipping\u5982\u4f55\u5904\u7406\u5b5f\u52a0\u62c9\u5ba2\u6237\u7684\u652f\u4ed8\u95ee\u9898\uff1f - 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