ShurjoPay
ShurjoPay is a licensed online payment gateway in Bangladesh, launched by ShurjoMukhi Limited in 2010. It’s one of the earliest digital payment solutions in the country and operates under direct authorisation from Bangladesh Bank.
The gateway supports both local and international payment methods, including Visa, MasterCard, American Express, and mobile financial services such as bKash, Nagad, Rocket, and MCash. It also enables internet banking and QR-based payments for businesses looking to serve a broad customer base.
ShurjoPay provides SDKs and ready-made plugins for seamless integration across web, mobile, and desktop platforms. Its developer resources cover popular stacks like Node.js, PHP, Flutter, and .NET, making integration straightforward for technical teams.
In addition to ease of use, ShurjoPay meets international security standards. It’s PCI-DSS Level 1 compliant, which ensures encrypted transaction handling, tokenised card storage, and recurring billing support. Businesses across retail, education, services, and e-commerce rely on ShurjoPay to streamline collections and offer smooth payment experiences.
| Characteristic | Details |
|---|---|
| Regions | Bangladesh |
| Getting started | KYC + application + credentials |
| Setup Fee | ~15,500 BDT |
| Payment methods accepted | Visa, MasterCard, AmEx, MFS, QR |
| Fraud & Risk management | PCI-DSS certified |
| Accepted Currencies | BDT, USD |
| Set up type | SDK / Plugin |
| Onboarding time | Few business days |
| Recurring Billing | Supported |
| SDK Stacks | Node.js, PHP, Flutter, .NET |
| Settlement time | Weekly |
| Payouts support | Yes |
| RegionsBangladesh | |
| Getting startedKYC + application + credentials | |
| Setup Fee~15,500 BDT | |
| Payment methods acceptedVisa, MasterCard, AmEx, MFS, QR | |
| Fraud & Risk managementPCI-DSS certified | |
| Accepted CurrenciesBDT, USD | |
| Set up typeSDK / Plugin | |
| Onboarding timeFew business days | |
| Recurring BillingSupported | |
| SDK StacksNode.js, PHP, Flutter, .NET | |
| Settlement timeWeekly | |
| Payouts supportYes |
Pros
- Covers cards, wallets, and QR in one gateway
- PCI-DSS certified for card-on-file and subscriptions
- Easy developer integration
- Strong market presence in Bangladesh
Cons
- Fee structure is not fully transparent
- No outbound international payouts
- Settlements only on a weekly basis
- Limited public documentation for non-tech users
Why Use ShurjoPay: Benefits for Merchants in Bangladesh
Using ShurjoPay enables Bangladeshi merchants to access a versatile digital infrastructure capable of handling a wide variety of payment methods. Whether managing online transactions through an e-commerce site or accepting payments via mobile apps in-store, ShurjoPay allows merchants to make online collections using credit cards, mobile wallets, and QR-based tools. This helps improve the shopping experience, increases successful purchases, and reduces cart abandonment.
The ShurjoPay platform also supports recurring billing, analytics tools, and secure payment flows. Integration is developer-friendly, while customer support helps onboard merchants with minimal friction. As a preferred choice for many online businesses, ShurjoPay offers a robust solution tailored for the payment processing needs of Bangladesh.
How to Start Using ShurjoPay as Your Payment Gateway
To get started, businesses must submit a merchant application with required documents (trade license, bank account, NID). Once verified, sandbox credentials are shared for testing, followed by live credentials for deployment. Developers can integrate checkout and verification APIs, or use plugins for CMS platforms. The interface is intuitive, and the process facilitates quick onboarding.
ShurjoPay also provides tools for issuing digital invoice links, QR code generation, and seamless online checkout pages. These enable merchants to accept payments for goods and services even in offline or hybrid environments. The solution ensures smooth integration into mobile apps, websites, and third-party systems.
ShurjoPay Review: Trusted Payment Solution for Local Merchants
ShurjoPay has become a reliable payment solution in Bangladesh due to its compliance, flexible API integration, and secure platform. Merchants appreciate its ability to facilitate recurring payments, support credit and debit cards, and offer local mobile financial services like bKash and Rocket.
Its highest standards in transaction encryption and customer data handling make it a trustworthy gateway for small ventures and large enterprises alike. ShurjoPay’s robust customer service and reputation in Dhaka further reinforce its standing among other payment gateways in Bangladesh.
Payment Security with ShurjoPay: Safety Standards and Compliance
ShurjoPay has not been involved in any major unauthorized data leaks or fraudulent transactions. The gateway is certified PCI-DSS Level 1 and follows strict audit practices, offering secure payment systems. Tokenisation and end-to-end encryption of customer information ensure that every online transaction is safe.
Security protocols also include two-factor authentication for merchants, role-based dashboard access, and constant network monitoring. The robust security measures make ShurjoPay a reliable payment platform for processing payments securely and meeting the highest expectations in digital commerce.
ShurjoPay Merchant Account Fees and Payment Structure
Setup fees start at around 15,500 BDT. Per-transaction commission, refund charges, and annual maintenance fees vary depending on business type and volume. Merchants are encouraged to clarify the total cost during onboarding and check for applicable VAT or third-party integration surcharges.
By offering transparent pricing and flexible payment structures, ShurjoPay helps businesses manage their costs and maintain operational efficiency. The gateway also supports invoice-based billing for SaaS or utility providers, enabling easier reconciliation and financial planning.
Business Benefits of Using ShurjoPay for E-Commerce and Services
ShurjoPay supports a broad range of businesses, from early-stage ventures to established online businesses. Its tools are designed for secure and seamless integration with ERP systems, accounting software, and e-commerce platforms.
This online payment gateway supports accepting payments in real time, issuing digital receipts, and managing the entire payment flow through a user-friendly dashboard. The checkout experience is optimised for both desktop and mobile users, helping businesses enhance trust and reduce failed purchases.
Which Type of Business
ShurjoPay is ideal for e-commerce, professional services, education, healthcare, logistics, utilities, and government payments. It enables digital collections for exam fees, online classes, or product purchases via bank accounts, cards, and mobile financial services. It is also the preferred platform for NGOs, subscription models, and online marketplaces.
Accepting In-Person Payments with ShurjoPay: QR & Physical Use Cases
For businesses with physical stores, ShurjoPay enables in-person payments through QR codes and mobile checkout. The solution supports Android devices and POS integrations to accept payments on the spot.
This approach is particularly effective in Dhaka and other urban areas where mobile-first usage is high. Like bKash, ShurjoPay helps small retailers expand their cashless capabilities with minimal investment.
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FAQ
How long does it take to activate a ShurjoPay merchant account?
The activation process generally takes 3 to 5 business days, depending on how quickly the merchant submits required documents. This includes national ID, trade license, and bank details. After verification, merchants receive sandbox credentials first, followed by live credentials for production use. The team also offers technical support throughout the integration process.
Can I accept payments from outside Bangladesh?
Yes, ShurjoPay enables businesses to accept international payments via foreign cards such as Visa and MasterCard. While settlements are made in local currency (BDT), this allows merchants to serve customers globally—especially useful for e-learning, software, or export-based e-commerce businesses.
Are there any hidden fees after onboarding?
ShurjoPay maintains transparency by outlining the initial setup costs. However, some fees such as per-transaction commissions, refund charges, or payment reversals may not be publicly disclosed and can vary by business model. It's recommended to discuss and document all costs during onboarding to avoid surprises.
What makes ShurjoPay secure compared to other gateways?
ShurjoPay's security is anchored by its PCI-DSS Level 1 compliance, which enforces industry-leading standards for storing, processing, and transmitting payment data. It uses tokenisation, SSL encryption, and periodic security audits to safeguard transactions. Merchants also benefit from secure login procedures and transaction monitoring to detect and prevent fraud.
Do I need to be a registered business to use ShurjoPay?
Yes, only registered businesses are eligible to open a merchant account. You’ll need to provide valid business documentation, such as a trade license, TIN certificate, and bank details. This ensures that all transactions are legal, auditable, and compliant with national regulations. Freelancers or sole proprietors can apply if properly registered.
