Payment choice quietly decides your conversion rate. Bangladeshi shoppers have strong preferences, and the store that matches them wins the checkout.
1. bKash: the default
The widest wallet adoption in the country — skipping it turns away real buyers.
2. Nagad: the price fighter
Lower fees and aggressive cashback promotions make it the strong second slot.
3. Cards: the big-ticket channel
Higher average orders and EMI options live here, especially for electronics.
4. COD: still king, still costly
Cash on delivery drives the most orders and the most returns — manage it, do not worship it.
5. Gateway aggregators
One integration covering wallets, cards and banks saves months of paperwork.
6. Fee math matters
A 1.5% fee difference on thin-margin products is the whole profit — model it before choosing.
7. Payout speed
Daily settlements keep your cash flow alive; check each provider's schedule.
Our default build: aggregator gateway + native bKash + COD with delivery-partner verification. It covers every customer type without drowning you in reconciliation.
