How do you pay online in Bangladesh?
Most shoppers choose cash on delivery, which PCMI estimates at 75% of e-commerce volume. The rest pay with bKash, Nagad, Rocket or Upay wallets, or with Visa and Mastercard cards, through gateways such as SSLCommerz, shurjoPay and aamarPay.
In detail
Most shoppers choose cash on delivery, which PCMI estimates at 75% of e-commerce volume. The rest pay with bKash, Nagad, Rocket or Upay wallets, or with Visa and Mastercard cards, through gateways such as SSLCommerz, shurjoPay and aamarPay.
How people pay in Bangladesh in 2026
About 56.9 million debit, credit and prepaid cards were in circulation in July 2025, mostly Visa and Mastercard debit cards used at ATMs, and card spending reached Tk 50,281 crore in December 2025. Online, PCMI estimates cash on delivery at 75% of e-commerce volume, ahead of wallets at 11%. The regulator is pushing hard the other way: Bangla QR became mandatory at every merchant point on July 1, 2026 with instant interoperable settlement, a model borrowed from UPI in India, and bank-to-bank transfers through NPSB doubled in a year. Installments live on credit cards as EMI and inside bKash as Pay Later.
Payment by digital wallet and X-Pay in Bangladesh
Card-token wallets barely exist: Apple Pay and Google Pay are not launched in Bangladesh, and the closest equivalents are bank apps such as Astha and NexusPay paying by Bangla QR. Online, every local gateway offers bKash, Nagad, Rocket and Upay as checkout buttons.
More detail in our #PayWorldTour guide Payment methods in Bangladesh.