Payment Gateway is a service that allows merchant to accept secure credit card transactions online. It is a system that accepts, verifies and processes transactions on behalf of the merchant from the customers. There are many forms of instruments which can be accepted through a payment gateway, some of them are-
-- Credit cards
-- Debit cards
-- Internet banking 
-- Mobile banking
It essentially connects a merchant website to a transaction processor like bank to take payment from a customer for an order.

SSLCOMMERZ provides complete, simple and secure online payment gateway services and e-business solutions to websites, with real time credit card transaction validation. This enables the websites to transact and accept payments online and in real time.

No. You don't need a separate bank account. Funds will be transferred to your existing bank account which you mention in the application form after settlement.

Yes. Following are few of them 
-- Adult Sites, Internet Casinos.
-- Lottery Tickets.
-- Sending of Money/Cash Advances.
-- Alcohol, Firearms & Drugs.
-- Goods/Services prohibited by law or card associations.

You can download the application form available on our DOWNLOAD section and send online or by fax or mail.

SSLCOMMERZ processes the following payment options
-- Credit Cards - Master Card, Visa.
-- Debit Card - Master Card, Visa.
-- Net Banking Options - Dutch Bangla Bank Nexus.
We are in processes of tie-ups with all banks for Net-banking and would be offering the same to our merchants.

No. You can sell your products or services globally.

SSLCOMMERZ offers multiple payment options on a single platform. It has different options and pricing to suit all business models. Apart from offering e-commerce solutions SSLCOMMERZ provides complete education and guide to a successful e-commerce business. SSLCOMMERZ provides a very comprehensive and user friendly backend for merchants for detailed MIS reports to manage transactions thus managing their e-commerce business smoothly.

Once the application / signup along with the payment is received, our approval team will get back to you with the approval status.

Whether the transaction is approved or declined it usually takes between 3 and 7 seconds from the time the consumer clicks the 'purchase' button to the time the consumer and the merchant receive authorization.

Your company's business name would appear after "SSLCOMMERZ" on your customer's billing statement that would add value to your brand & avoid possibilities of chargeback.

All the transactions processed by Credit Card through SSLCOMMERZ are always presented to the merchant in the "Preauthorisation" mode which means that the merchant is guaranteed that the customer's card is good / credit worthy for the amount of that transaction for the next 7 days. During this period of 7 days the merchant has to perform any one of the following actions.
a) He may decide not to fulfill the order and mark it as cancelled.
b) After arriving at a consensus with the buyer decide to ship part of the ordered goods and claim only an amount equal to the shipped order.
c) Ship all of the ordered goods and claim the entire value of the transaction.
If the merchant is confident of shipping the goods within the time he may go ahead and capture the amount within 7 days (as this is the time the transaction can be authorized or after it stands automatic cancelled) and subsequently ship the goods. If the merchant subsequently fail to do this and wish to refund the amount, the charge of the requisite TDR will have to be borne for the gateway usage.

If the transaction is approved by the bank & our Risk team, the amount will be transferred to your account in 48 working hours after deducting the TDR and Tax. (For mastercard & visa transactions with the bank).
For others T + 3 days settlements i.e. where funds would be transferred after 3 days of capture of transaction. |
We will deposit the cheque in your bank though courier.

As soon as a transaction happens on your website you will receive a notification mail with a link to login in your account to manage the orders and transactions. You are to be given a console where you can manage all your transactions and view reports.

You can login to your admin module for checking the status of your order or transaction. The login details would be given to you as soon as your account is activated.

Detailed MIS reports that can be downloaded from the admin module which helps the merchant to manage orders and transactions. Some of them are Reports on Authorized transactions, Pre-authorized transactions, Failed Transactions, Flagged Transactions, Settled transactions.

A refund that is forced by a credit cardholder's credit card company is known as charge back. This occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, usually because someone else fraudulently used that card number. Charge backs are handled within the standard VISA/MC guidelines. However, we will pay the authorized amount to you once the confirmation is received from your site about the product purchase. In cases, when the cardholder requests for a chargeback to his or her bank, the bank will not return and will direct the customers to you to gain his or her claimed money.

SSLCOMMERZ maintains a customer-friendly refund policy. This keeps our administrative costs under control in two ways: First, it reduces the amount of time spent researching customer inquiries; and secondly, it reduces the occurrence of charge back disputes. (A charge back dispute is a refund that is forced by the customer's credit card company.)

Support is available through Telephone on our office numbers displayed on site between 10.00 am - 07.00 pm on all working days. You can also mail us at support@sslcommerz.com.bd

Yes, you should prefer that you deploy SSL certificate (HTTPS) on your online store website. However, it is entirely your decision to have it at your site or not. Choosing to have it will protect your customers data in exchange and also improve the trustworthiness of your website's identity as a merchant.