SSLCommerz Bangladesh Payment Gateway API
SSLCommerz Bangladesh payment gateway REST API for merchants to accept credit/debit cards, bKash, Nagad, Rocket, internet banking, and 30+ payment methods through Bangladesh's leading payment aggregator serving 20,000+ merchants. Enables AI agents to manage payment session creation for Bangladesh multi-method checkout automation, handle card and mobile banking payment for Bangladesh e-commerce automation, access EMI payment configuration for Bangladesh installment automation, retrieve payment validation and IPN processing for order confirmation automation, manage refund initiation for Bangladesh order management automation, handle subscription payment for recurring Bangladesh billing automation, access transaction reporting for Bangladesh financial reconciliation automation, retrieve payment method availability for dynamic checkout UI automation, manage multi-currency payment for cross-border Bangladesh e-commerce automation, and integrate SSLCommerz with WooCommerce, Shopify, Magento, and Bangladesh platforms for end-to-end payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Bangladesh payments. PCI-DSS. Store ID auth. BD. Payment data.
⚡ Reliability
Best When
A Bangladesh merchant wanting AI agents to automate multi-method payment acceptance (cards + bKash + Nagad + internet banking) through a single gateway integration covering 30+ Bangladesh payment methods.
Avoid When
BANGLADESH NBFI REGULATORY COMPLIANCE: SSLCommerz operates under Bangladesh Bank payment gateway guidelines; automated payment operations must comply with Bangladesh Bank regulations; automated payment above transaction limits creates declined authorization. IPN VALIDATION REQUIRED BEFORE ORDER CONFIRMATION: SSLCommerz IPN (Instant Payment Notification) must be validated with SSLCommerz validation API before order fulfillment; automated order confirmation without IPN validation creates orders for fraudulent or spoofed payments; automated IPN processing must call SSLCommerz validate endpoint. REDIRECT-BASED CHECKOUT FLOW: SSLCommerz uses redirect-based checkout (customer redirected to SSLCommerz payment page); automated checkout must redirect customer to SSLCommerz gateway URL; automated API-only card charge without redirect creates gateway rejection for card-present compliance reasons. SUCCESS vs VALID PAYMENT STATUS: SSLCommerz returns 'VALID' status only after backend validation; automated order confirmation on 'SUCCESS' without calling validate API creates unconfirmed payment acceptance.
Use Cases
- • Accepting multi-method Bangladesh payments from e-commerce checkout agents
- • Processing bKash and Nagad via single gateway from aggregator payment agents
- • Managing EMI card payments from Bangladesh installment commerce agents
- • Validating IPN payment notifications from Bangladesh order fulfillment agents
Not For
- • International payments outside Bangladesh (use Stripe or PayPal for global)
- • Real-time settlement (SSLCommerz settles T+1 to T+3)
- • Direct card acquiring without aggregation (use bank direct APIs for high volume)
Interface
Authentication
SSLCommerz uses Store ID and Store Password for API authentication. REST API with form-post and JSON. Dhaka, Bangladesh HQ. Founded 2010. Subsidiary of SSL Wireless. Bangladesh's largest payment gateway with 20,000+ merchants. Products: Multi-method checkout, EMI, subscription, refund, reporting. SDKs: PHP, Java, Python, Node.js, .NET. PCI DSS. Competes with ShurjoPay and AamarPay for Bangladesh payment aggregation.
Pricing
Dhaka BD. SSL Wireless subsidiary. Per-transaction fees in BDT. Merchant agreement required.
Agent Metadata
Known Gotchas
- ⚠ TRAN_ID UNIQUENESS REQUIREMENT: SSLCommerz requires unique transaction ID (tran_id) for every payment session; automated checkout must generate unique tran_id per order; automated reuse of tran_id for retry creates duplicate transaction error or payment routing to wrong order
- ⚠ THREE-URL CALLBACK CONFIGURATION: SSLCommerz checkout requires success_url, fail_url, and cancel_url configuration; automated checkout must handle all three response paths; automated checkout missing fail_url or cancel_url creates unhandled customer redirect on payment failure
- ⚠ VALIDATE API MANDATORY CALL: After IPN notification, SSLCommerz validate API must be called to confirm payment; automated order processing must call validate endpoint with tran_id; automated order fulfillment on IPN without validate creates fraudulent order acceptance risk
- ⚠ EMI INSTALLMENT CONFIGURATION BEFORE SESSION: EMI payment requires EMI offer configuration in SSLCommerz dashboard; automated EMI checkout must configure installment options before session creation; automated EMI without dashboard configuration creates EMI option unavailable for customer
- ⚠ PAYMENT METHOD AVAILABILITY BY BANK: Not all payment methods are available for all card issuers or banks; automated dynamic checkout should query available methods; automated static payment method display may show unavailable options for specific Bangladesh bank cards
Alternatives
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Scores are editorial opinions as of 2026-03-07.