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NaklaPay vs the big gateways, without the sales fog.
SSLCOMMERZ, aamarPay and PortPos are aggregators: they accept cards and wallets, take an MDR from every successful payment, and settle to your bank. NaklaPay automates MFS payments into your own wallet for a flat subscription. Here is what each one costs — and when their product is the right call instead of ours.
Published list prices reviewed 31 October 2026. Negotiated rates, VAT and provider cash-out fees are separate. We are not affiliated with any gateway named on this page.
NaklaPay
Subscription. Money straight to your wallet.
Aggregator gateways
Setup or MDR. Cards and wallets, settled to bank.
Published rates
What the big gateways charge.
These are the list prices on each provider's public site, before negotiation. NaklaPay's price is a subscription; theirs is mostly a cut of every sale.
NAKLAPAY
MFS automation
Setup fee
৳0
- Monthly
- From ৳499 / month
- MFS rate
- ৳0 platform fee
- Card rate
- Not supported
- Settlement
- Instant to your wallet
- Requirements
- Android + MFS account
Launch plan billed yearly at ৳4,990.
Start 14-day trialSSLCOMMERZ
Aggregator gateway
Setup fee
৳25,500
- Monthly
- Not listed
- MFS rate
- 2.5%
- Card rate
- 2.5% · AMEX 3.5%
- Settlement
- Settled to your bank
- Requirements
- Merchant onboarding
Basic plan; the setup fee is non-refundable.
aamarPay
Aggregator gateway
Setup fee
Quote only
- Monthly
- None
- MFS rate
- 1.75–2.20%
- Card rate
- 1.85–2.75%
- Settlement
- Settled to your bank
- Requirements
- Merchant onboarding
One-time fee; rates vary by plan.
PortPos
Aggregator gateway
Setup fee
৳0
- Monthly
- None
- MFS rate
- 2.20% + ৳1 / trx
- Card rate
- 2.50% · AMEX 3.50%
- Settlement
- Settled to your bank
- Requirements
- Merchant signup
International cards add 1%.
Rates shown are for wallet/standard channels unless stated. Card, AMEX and international rates can be higher. Some providers negotiate volume pricing. Direct bKash and Nagad merchant gateways are not listed because their rates are agreed during onboarding — expect an MDR and merchant documentation there too. Confirm current terms directly with each provider before you sign.
Year-one example
৳1,00,000 a month in wallet payments.
Same volume, same wallet-first customers, one year. The aggregator column is what their MDR and setup would cost; the NaklaPay column is the plan price.
NaklaPay Launch
৳4,990
SSLCOMMERZ Basic
৳55,500
aamarPay Growth
৳24,000 + setup
PortPos
৳27,600
Year 1 = one-time setup + MDR × ৳12,00,000 + fixed per-transaction charges. Assumes ৳1,00,000 per month, a ৳1,000 average ticket and 1,200 transactions a year. VAT is excluded, and aamarPay's quoted setup is not included in its total.
NaklaPay adds no per-transaction fee, but your MFS provider charges its own cash-out fee when you move wallet money to a bank. Aggregator MDR includes settlement, so the two totals are not perfectly like-for-like. Cards usually cost more than the MFS rates shown.
The detail
What you get for the fee.
An aggregator sells reach: cards, EMI and settlement. NaklaPay sells automation on wallet payments you already receive. Neither replaces the other for every business.
Setup and onboarding
What you pay before the first sale.
NaklaPay
14-day trial
Aggregator
Depends on provider and plan
Per-transaction platform fee
The merchant discount rate, or MDR.
NaklaPay
Flat subscription instead
Aggregator
Taken from each successful payment
Cards (Visa / Mastercard)
NaklaPay
Aggregator
MFS (bKash, Nagad, Rocket)
Wallet payments, verified from your own account.
NaklaPay
Aggregator
International cards and EMI
NaklaPay
Aggregator
Often adds a cross-border fee
Settlement
How the money reaches your business.
NaklaPay
Cash-out to bank is separate
Aggregator
Per provider schedule
Trade licence
NaklaPay
Aggregator
Refunds and chargebacks
NaklaPay
Aggregator
API and webhooks
NaklaPay
Aggregator
Checkout ownership
NaklaPay
Aggregator
The honest part
When the bigger gateway is the better choice.
We built NaklaPay for wallet-first businesses. If your customers need cards or EMI, an aggregator is doing a job we do not do.
Choose an aggregator if
- You must accept Visa, Mastercard, international cards or EMI.
- You want the provider to settle funds to your bank account automatically.
- You do not want to keep an Android phone online to receive MFS SMS.
Choose NaklaPay if
- Most of your customers pay by bKash, Nagad or Rocket already.
- You want a flat subscription instead of a cut of every sale.
- You want the money in your own wallet instantly, without settlement or a trade licence.
Use both if
- You need cards for some buyers and wallet automation for the rest.
- You want one order system to receive both providers' webhooks.
- You are testing whether MDR is worth paying for card convenience.
Still catching up
What NaklaPay does not do.
These are real limitations today, not roadmap promises. If any of them is a hard requirement, an aggregator is the safer choice right now.
No card acquiring
If a customer only has a Visa or Mastercard, NaklaPay cannot take that payment. Use your aggregator for cards; we are local-first by design.
No international cards or EMI
Cross-border cards and instalment plans are not in our checkout. Aggregators and banks handle those today.
No automatic bank settlement
Money stays in your MFS wallet. Moving it to a bank uses your provider's cash-out flow and their charges, not ours.
A phone has to stay online
Verification depends on the Android forwarder receiving your MFS SMS. An aggregator does not need a device on your side.
Sources
How we checked the numbers.
Every rate below comes from the provider's public site, reviewed on 31 October 2026. Prices change and negotiated rates differ; confirm directly before signing a contract.
SSLCOMMERZ, aamarPay, PortPos, shurjoPay and bKash are trademarks of their respective owners. NaklaPay is not affiliated with them.
SSLCOMMERZ pricing
Basic setup ৳25,500; 2.5% per successful transaction, AMEX 3.5%.
PortPos business pricing
No setup fee; 2.20% MFS and net banking, 2.50% cards, ৳1 per transaction.
aamarPay pricing
One-time fee quoted per plan; MFS 1.75–2.20%, cards 1.85–2.75%.
shurjoPay
Pricing is provided on request and is not published on the site.
bKash Business
Direct merchant terms are agreed during onboarding; not a public price list.
Test it yourself
A table is easy to write. A payment is harder to fake.
Open the demo checkout, submit the sample TrxID, and watch verification happen without a refresh. Then create a workspace and run your own first wallet payment.