Choosing how to take money is the single decision that most affects whether a Bangladeshi store converts. Get it wrong and customers fill a basket, reach the payment step and leave.

What your customers actually use

Mobile wallets dominate. bKash is the default for most buyers, Nagad is close behind, and Rocket has a smaller but loyal base. Card payments matter for corporate buyers and for anyone spending above roughly 10,000 taka.

The real cost of each option

Every wallet charges a settlement fee, and it is rarely the number people quote you. Ask for the all-in figure: the gateway fee, the settlement fee, and how long the money takes to reach your bank.

Cash on delivery is not free either

Roughly a third of cash-on-delivery parcels come back. Budget for the return trip, the repackaging and the courier's time — it is usually more than the wallet fee you were trying to avoid.

How to set them up

Start with one wallet and cash on delivery. Add the second wallet once you have a month of data showing customers abandoning at checkout. Adding every option on day one gives you four reconciliation spreadsheets and no extra sales.

What to check before you go live

Place a real order for the smallest amount you sell. Refund it. Watch how long the money takes to come back. That single test tells you more than any comparison table.