SSLCommerz
SSLCommerz is a leading payment gateway in Bangladesh, trusted by over 14,000 businesses for secure and efficient processing of online payments. As a verified and reliable provider, SSLCommerz supports Visa, Mastercard, mobile wallets, internet banking, and various digital channels, offering a seamless payment experience for businesses of all sizes.
The platform provides several integration options: hosted payment pages, Easy Checkout modules, and full REST API integration. This flexibility makes it ideal for both developers and non-technical merchants looking to enhance customer satisfaction and streamline payment processes.
Security is a major focus for SSLCommerz. The platform is PCI DSS compliant, encrypts payment information with SSL certificates, uses two-factor authentication, and includes advanced fraud detection tools. These features indicate a strong commitment to fraud protection and secure payments.
In addition to core payment solutions, SSLCommerz provides multi-currency support, real-time analytics, and modules for platforms like WHMCS and Odoo. These tools make it a competitive and scalable choice for e-commerce stores, digital service providers, and clients seeking reliable payment infrastructure.
| Characteristic | Details |
|---|---|
| Regions | Bangladesh, global |
| Getting started | Sandbox & live accounts |
| Commission per transaction | Not disclosed |
| Payment methods accepted | Cards, wallets, net banking, mobile banking |
| Fraud & Risk management | Yes (machine learning, risk flags) |
| Accepted Currencies | BDT, USD, EUR, GBP, AUD, CAD |
| Set up type | Hosted and API-based integration |
| SDK Stacks | REST API, Easy Checkout SDK |
| RegionsBangladesh, global | |
| Getting startedSandbox & live accounts | |
| Commission per transactionNot disclosed | |
| Payment methods acceptedCards, wallets, net banking, mobile banking | |
| Fraud & Risk managementYes (machine learning, risk flags) | |
| Accepted CurrenciesBDT, USD, EUR, GBP, AUD, CAD | |
| Set up typeHosted and API-based integration | |
| SDK StacksREST API, Easy Checkout SDK |
Pros
- Strong security standards
- Easy integration (API, SDK, hosted)
- Multi-currency support
- Built-in fraud detection
- Modules for WHMCS, Odoo, Shopify
Cons
- No transparent pricing
- No split payment feature
- Settlement time not disclosed
- Limited recurring billing support
- Primarily focused on Bangladesh market
Benefits of Using
SSLCommerz offers reliable payment infrastructure that meets the security and usability needs of SMEs. Its integration options range from plug-and-play widgets to advanced API-level customisation, enabling businesses to launch fast. Multi-currency support and risk management tools allow businesses to scale safely while maintaining full control over transactions.
SSLCommerz also provides real-time analytics, platform compatibility, and dedicated support channels. Its modules for WHMCS and Odoo help reduce development time, making it a strong contender for e-commerce, SaaS, and service-based platforms.
How to Use the Gateway
Businesses begin by creating a sandbox account and receiving their Store ID and credentials. They choose an integration method (Easy Checkout or REST API), configure return and validation URLs, test the full payment cycle in sandbox mode, and finally go live. Documentation and developer support are available throughout the process.
Review
SSLCommerz receives high marks for ease of use, flexible integration, and security compliance. Its lack of transparent pricing and advanced features (e.g., recurring billing, split payments) may be a drawback for larger enterprises. However, it remains a robust option for small to mid-sized businesses in South Asia.
Safety
SSLCommerz has not reported major breaches or financial fraud incidents since its inception. It employs strong encryption (SSL/TLS), PCI DSS compliance, two-factor authentication, and machine-learning fraud filters. The gateway undergoes regular security updates, vulnerability scans, and internal audits to ensure that data is protected against evolving threats.
Account Fees
SSLCommerz does not publicly list account setup, transaction, or annual fees. All terms are negotiated individually with merchants. This allows for custom deals with enterprise clients but lacks clarity for startups or small businesses seeking fixed pricing models.
For Business
The gateway is ideal for online stores, digital platforms, and service providers in Bangladesh and nearby regions. Businesses benefit from local banking integrations, fast onboarding, and operational support. Developers can make use of well-documented APIs and plugins to streamline implementation.
Which Type of Business
SSLCommerz suits e-commerce stores, B2B marketplaces, SaaS platforms, educational services, and utility providers. It’s best for businesses handling one-time payments. Complex marketplaces or platforms requiring multi-party payouts may need custom development.
For Physical Clients
While SSLCommerz is tailored for online transactions, it can serve brick-and-mortar businesses accepting online orders. It doesn’t offer dedicated POS hardware but can be integrated into booking, delivery, and hybrid commerce applications where payments occur remotely.
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FAQ
Can SSLCommerz support subscription-based billing?
While SSLCommerz provides the technical foundation for recurring payments through its API, it lacks a native subscription management interface. Merchants will need to implement backend logic to handle tokenisation, rebilling schedules, and failed payment retries. This may work well for experienced technical teams but can be challenging for non-developers.
What measures protect customer data with SSLCommerz?
SSLCommerz uses end-to-end SSL encryption, PCI DSS compliance standards, 2FA, and a fraud engine that uses machine learning to flag suspicious activity. It conducts regular infrastructure reviews and enforces role-based data access policies. No significant data leaks have been reported to date, demonstrating the platform's commitment to proactive security.
How long does settlement take?
Settlement timelines vary based on the currency and the acquiring bank. For local BDT accounts, it typically ranges from 1 to 3 business days. International settlements may take up to 7 days. Merchants are encouraged to contact support to understand timing based on their business model and transaction volume.
Is there support for refunds?
Yes, SSLCommerz allows partial and full refunds via its API. However, details on refund processing times and potential fees are not publicly available. It’s best practice to test the refund functionality in sandbox and clarify fees with the account manager before going live.
Is SSLCommerz suitable for global e-commerce?
SSLCommerz enables merchants to accept payments from international clients using major currencies and cards. While it facilitates cross-border commerce, it may lack advanced features like global tax handling, multi-vendor settlements, or region-specific checkout flows. For SMEs targeting international buyers, it offers a cost-effective entry point with room to grow.
