A side-by-side comparison of features, pricing, setup processes, and merchant benefits between BDGate and SSLCommerz.
SSLCommerz is the pioneer payment gateway in Bangladesh and is highly suited for large corporates processing credit/debit card acquiring. However, for digital entrepreneurs, hosting providers, freelancers, and growing social commerce brands processing mainly mobile financial service (MFS) payments, BDGate provides a faster, commission-free alternative.
| Feature | BDGate | SSLCommerz |
|---|---|---|
| Transaction Fee | 0.00% (Subscription-based) | 2.0% - 3.5% per payment |
| Setup Charges | ৳0 (Free signup) | Typically ৳10,000+ BDT |
| SMS Automation Relay | Yes (Android relay app included) | No (Manual API tracking only) |
| Limit-Aware SIM Rotation | Yes (Personal wallet priority rotation) | No |
| Approval Delay | Within 24 business hours | 7 - 14 business days |
| Merchant Panel Onboarding | Self-serve, fully online | Paper-based physical document signups |
| Card Processing (Visa/Mastercard) | Through Stripe/PayPal passthrough | Direct local acquiring channels |
SSLCommerz charges a per-transaction cut (commission) typically ranging from 2.0% to 2.5% for bKash/Nagad and up to 3.5% for credit cards. For a business processing ৳500,000 BDT monthly, that translates to ৳10,000 to ৳12,500 BDT in transaction fees.
BDGate operates under a subscription model starting at BDT 0% transaction cuts. You only pay a flat monthly fee (ranging from free starter tiers to ৳500+ depending on volume limits), keeping all your revenue in your pocket.
SSLCommerz has strict compliance requirements, which often involve submitting physical copies of trade licenses, bank certificate statements, tin certificates, and signing paper contracts. Onboarding can take up to two weeks.
BDGate provides a digital-first onboarding workflow. Register your business profile online, upload documents via our merchant panel, and get approval within 24 hours.
While SSLCommerz requires a formal merchant wallet API connection from bKash, BDGate allows you to leverage personal and merchant numbers. Our background SMS relay automation listens to incoming credit SMS, completing order verifications immediately.
Start collecting MFS payments today with 0% transaction commission.
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