Adding bKash, Nagad and Card Payments to Your Website

Clients usually ask how long payment integration takes. The honest answer is that the coding is the short part. The paperwork with the provider is what sets your launch date, and almost nobody starts it early enough.

Start the merchant account on day one

You'll typically need trade licence, TIN, bank account details and sometimes a live website URL. Approval can take from a few days to several weeks depending on the provider and how complete your documents are. Submit while development is still going on.

Aggregator or direct?

An aggregator like SSLCOMMERZ gives you bKash, Nagad, Rocket and cards through one integration and one settlement report. Going direct with bKash can mean a lower rate per transaction but separate paperwork, separate reconciliation and more integration work. For most businesses starting out, the aggregator is the sensible choice.

The parts developers get wrong

• Trusting the browser redirect instead of the server callback
• Not handling the case where the user closes the tab mid-payment
• Marking an order paid before verifying the amount server-side
• No refund flow, so every return becomes a manual bank transfer

Test with real small amounts

Sandbox testing is not enough. Before launch, run a few live transactions of 10 or 20 taka through each method, then a refund. That half hour catches the settlement and callback problems that sandbox never shows.