A side-by-side comparison of features, webhooks, setup delays, and pricing between BDGate and ShurjoPay.
ShurjoPay is a licensed payment service provider (PSP) authorized by Bangladesh Bank, offering credit card acquiring alongside MFS billing. BDGate is a developer-centric payment aggregation platform designed for high automation, instant onboarding, and zero-commission subscription modeling.
| Feature | BDGate | ShurjoPay |
|---|---|---|
| Transaction Fee | 0.00% (Subscription-based) | Per-transaction percentage cuts |
| SMS Automation Relay | Yes (Android relay app included) | No |
| License Requirements | Easy online setup, fast validation | Strict corporate paperwork |
| Onboarding Timeline | Within 24 business hours | Typically 3 - 7 business days |
| Developer Documentation | Highly detailed, Node & Laravel SDKs | Outdated PDF documents and SOAP guides |
| Card Acquiring | Via third-party (Stripe/PayPal) | Native local bank credit/debit card support |
ShurjoPay charges a standard percentage-based transaction cut on payment volumes. BDGate uses a flat subscription model (0% transaction commission cuts). For merchants with high volume turnover, BDGate's pricing limits card fees and margins, saving significant revenue.
Developers often report integration hurdles when implementing ShurjoPay due to complex API structures, lack of code libraries, and SOAP-style request formats. BDGate is built developer-first, providing a RESTful JSON API, JWT authentication, and native SDK packages for Node.js and Laravel.
ShurjoPay relies solely on direct commercial banking channels. While highly compliant, it lacks support for personal mobile numbers and cannot handle SMS verification. BDGate includes a background SMS relay automation framework that instantly verifies transaction messages on personal/merchant wallets.
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