Here are some of the top digital payment gateways in Sri Lanka:
To choose the best payment gateway in Sri Lanka for your business, it’s essential to align it with your specific needs and the preferences of your target audience. Key factors to evaluate when comparing payment gateways include transaction fees, available payment methods, ease of integration, security measures, and the quality of customer support.
Webxpay Payment Gateway
Subscription Fee: Rs. 4,990/month
Transaction Fee: 2.95% per transaction
- Add-ons: EMI (Equated Monthly Installments) and multicurrency support.
- Money-back guarantee: 30-day
- Features: Rs. 1 million per transaction limit, unlimited monthly payment limits, payment links, invoicing, customer support, and a key account manager.
Subscription Fee: Rs. 8,990/month
Transaction Fee: 2.5% per transaction
- Add-ons: Tokenization, EMI, and multicurrency support.
- Features: Rs. 2 million per transaction limit, unlimited monthly payment limits, invoicing, mobile app, monthly reviews, customer support, and a key account manager.
Designed for physical businesses, offering no setup fees, T+1 merchant settlements, and various payment options (Visa, MasterCard, Amex, LankaQR, China UnionPay).
- Add-ons: Tokenization, EMI, and multicurrency support.
- Features: Rs. 2 million per transaction limit, unlimited monthly payment limits, invoicing, mobile app, monthly reviews, customer support, and a key account manager.
WebXpay offers a range of services designed to streamline payment processing for businesses of all sizes. Their payment gateway solutions include online payment options, allowing businesses to accept payments globally. They also provide POS systems for physical transactions, supporting multiple payment methods like Visa, MasterCard, and Amex. WebXpay offers EMI options, multicurrency support, and no setup fees for physical transactions, ensuring flexibility for SMEs and large enterprises alike. Additionally, they provide T+1 merchant settlements, ensuring quick access to funds.
- Wide Range of Payment Options: WebXpay supports multiple payment methods, including Visa, MasterCard, Amex, LankaQR, and China UnionPay, making it versatile for both local and international transactions.
- Affordable Pricing Plans: WebXpay offers packages with reasonable subscription fees, catering to both SMEs and larger businesses. For example, the standard plan costs Rs. 4,990/month with competitive transaction fees.
- No Setup Fees: For physical transactions (Xpos), there are no setup fees, which reduces upfront costs for businesses.
- Scalability: WebXpay provides tailored solutions for businesses of different sizes, from startups to high-end enterprises, allowing room for growth.
- Monthly Subscription Fees: While the platform has flexible plans, smaller businesses or startups might find the monthly subscription fees a bit high, especially when combined with transaction fees.
- Limited Customization for Small Businesses: While there are several packages, smaller businesses may not have as many customization options or access to advanced features, which are usually reserved for larger, high-end enterprises.
- Dependence on External Factors: Settlements, although fast, still rely on bank processes, which could occasionally cause delays during holidays or bank processing issues.
Payhere Payment Gateway
- Ideal for startups and small businesses, this plan has no monthly fees and charges a 3.3% payment processing fee. It supports one-time payments in LKR and USD but limits transactions to Rs. 50,000 per payment and Rs. 200,000 per month. It’s perfect for businesses that are just starting but can be upgraded as your needs grow.
- The most popular plan, designed for established businesses. It has a monthly fee of Rs. 2,990 with a 2.99% payment processing fee. It allows both one-time and recurring payments in multiple currencies (LKR, USD, EUR, GBP, AUD), with limits of Rs. 250,000 per payment and Rs. 2,000,000 per month. It’s a balanced option for growing businesses.
- This plan offers the highest limits and advanced features, including automated payments. It comes with a monthly fee of Rs. 9,990 and a 2.69% payment processing fee. Premium users can accept up to Rs. 1,000,000 per payment with no monthly limit. It is ideal for businesses handling a high volume of transactions and seeking advanced payment solutions.
PayHere offers a comprehensive suite of online payment services designed to support businesses of all sizes in Sri Lanka. Their platform enables seamless acceptance of local and global payments through various methods, including credit/debit cards, bank transfers, and mobile wallets. Notably, they support Visa, MasterCard, American Express, Discover, Diners Club, and local solutions like HelaPay, Frimi, and Genie. Key services include recurring billing, subscription management, and automated payments. Additionally, PayHere offers easy integration through APIs, mobile SDKs, and shopping cart plugins for platforms like WooCommerce and Magento.
- Wide Range of Payment Methods: PayHere supports multiple payment methods, including credit/debit cards (Visa, MasterCard, Amex, etc.), bank transfers, and mobile wallets like Frimi and Genie, giving businesses flexibility.
- No Setup Fees: PayHere offers a free setup with no initial fees, making it cost-effective for startups and small businesses.
- Easy Integration: With APIs, mobile SDKs, and plugins for platforms like WooCommerce, Magento, and Shopify, PayHere simplifies the integration process for websites and mobile apps.
- Secure Transactions: Built on a Central Bank-approved model, PayHere ensures high levels of security through PCI DSS compliance and SSL encryption.
- Processing Fees: While PayHere offers flexible pricing plans, the transaction fees (starting at 3.30% for the Lite plan) can add up, especially for smaller businesses with high transaction volumes.
- Limited to Sri Lankan Market: PayHere is primarily focused on the Sri Lankan market, which may not be ideal for businesses looking to expand significantly into global markets.
- Currency Conversion Fees: For businesses accepting payments in foreign currencies, there’s an additional 1% fee for currency conversion.
- Higher Fees for Premium Cards: Payments made via premium cards like American Express and Diners Club incur an additional 0.5% fee on top of the standard processing fee.
OnePay Payment Gateway
One time setup Fee: 1500
Transaction fee for credit cards (VISA, Mastercard, AMEX): 3.6%
- Lanka QR payments: 0.5% per transaction.
- Supports popular payment methods like debit/credit cards and mobile wallets.
- Great for small businesses.
- Lanka QR payments: 0.5%
- Includes a merchant admin panel for tracking transactions and generating reports.
- Suitable for growing businesses that require more features.
One time setup Fee: 1500
Transaction fee: 3.5% (similar to Essential but with more benefits).
- Includes support for foreign currency payments with an additional fee of 1.5%.
- Ideal for businesses with cross-border transactions.
- Comprehensive package for larger enterprises needing advanced solutions like API integration and 24/7 customer support.
OnePay is a digital payment service in Sri Lanka that allows local users to make fast, secure payments through mobile wallets, credit and debit cards, and bank transfers. It provides seamless online transaction options for businesses and individuals, simplifying e-commerce payments and in-store purchases. OnePay also offers easy integration for merchants and supports multiple currencies, ensuring a flexible solution for businesses of all sizes. For more details, you can explore their services further at OnePay.
- Multiple Payment Methods: Accepts debit/credit cards, mobile wallets, and internet banking.
- Ease of Use: No-code payment links and a simple interface make setup and transactions easy.
- Global Reach: Supports LKR and USD, with plans to expand.
- Fast Settlements: Payments are settled every two working days.
- Security: ISO 27001 certified, ensuring robust security.
- Limited Currency Support: Only supports LKR and USD for now.
- Subscription Fees: Recurring fees based on the chosen plan.
ComBank Payment Gateway
Our versatile payment gateways efficiently handle online card payments and various alternative methods across devices like mobile, laptops, and in-app platforms, ensuring transactions are fast, secure, and reliable.
Supported Cards:
We accept VISA, MasterCard, and UnionPay, offering broad compatibility for seamless payment processing.
HNB Payment Gateway
The HNB Payment Gateway offers a seamless solution for businesses looking to enhance their online payment processing. With a focus on security and convenience, it enables merchants to accept a variety of payment methods, ensuring a smooth transaction experience for customers.
This platform supports real-time processing and is designed to integrate effortlessly with existing e-commerce systems, helping businesses expand their reach. Additionally, HNB provides robust support and resources to assist merchants in optimizing their online sales strategies.
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