When launching an online business or software service in Bangladesh, selecting the appropriate payment architecture is one of the most critical decisions founders face. Both traditional aggregated payment gateways and direct MFS verification systems have specific advantages and cost implications.
Fee Structure Comparison
| Feature | Aggregated Gateway (SSL/Shurjo) | Direct MFS Verification (PayAutomate) |
|---|---|---|
| Setup Fee | เงณ15,000 โ เงณ30,000+ | Zero setup fee |
| Per-Transaction Fee | 2.5% โ 4.0% per sale | Fixed flat rate / low percentage |
| Settlement Delay | T+2 to T+5 business days | Instant (funds land directly in your wallet) |
| Documentation | Trade license, TIN, Bank statements | Lightweight onboarding |
Cash Flow and Instant Settlement
For early-stage startups and small online retailers, cash flow is vital. Waiting 3 to 5 business days for gateway payouts can hinder daily inventory restocking. Direct MFS verification ensures customer funds reside in your registered business wallet immediately upon transaction completion, providing total liquidity control.