Sri Lankan Bank Payment Gateways – Local & Bank-Affiliated IPG Solutions
Sri Lanka’s digital payment landscape has evolved significantly, with numerous Internet Payment Gateway (IPG) options
available for businesses. This comprehensive guide covers all major Sri Lankan payment gateways, their fees, commission
rates, and features as of 2025.
Sri Lankan Payment Gateway Pricing Comparison Tables 2025
Payment Gateway Setup Fees and Annual Costs Comparison Sri Lanka
| Payment Gateway | Setup Fee | Annual/Monthly Fee | Security Deposit | Bank Account Required |
|---|---|---|---|---|
| Sampath Bank IPG | LKR 15,000 | LKR 45,000–75,000/year | None | Sampath Bank |
| Seylan Bank IPG | LKR 20,000 | LKR 30,000/year | LKR 300,000 FD | Seylan Bank |
| Commercial Bank | LKR 10,000–15,000 | LKR 36,000/year | Variable | Commercial Bank |
| HNB IPG | LKR 0–15,000 | LKR 6,000–108,000/year | Variable | HNB |
| PayHere Lite | FREE | FREE | None | Sampath Bank |
| PayHere Plus | FREE | LKR 2,990/month | None | Sampath Bank |
| PayHere Premium | FREE | LKR 9,990/month | None | Sampath Bank |
| WEBXPAY X-Wallet | FREE | LKR 1,000/year | None | HNB Partnership |
| WEBXPAY X-Gateway | FREE | LKR 2,490/month | None | HNB Partnership |
| WEBXPAY Premium | FREE | LKR 8,990/month | None | HNB Partnership |
| Onepay Standard | LKR 1,500 | LKR 499–5,999/month | None | Any Bank |
| 2Checkout | FREE | FREE | None | Any Bank |
| BitPay | FREE | FREE | None | Any Bank |
| Genie | Contact | Pay-as-you-go | None | Any Bank |
| mCash | Contact | Pay-as-you-go | None | Any Bank |
Payment Gateway Transaction Fees & Commission Rates Sri Lanka 2025
| Payment Gateway | Local Cards | Foreign Cards | Premium Cards | LankaQR | Settlement Period |
|---|---|---|---|---|---|
| Sampath Bank IPG | 3% | 4–5% | Contact | Contact | 1–2 days |
| Seylan Bank IPG | 3–4% | Contact | Contact | Contact | ~2 days |
| Commercial Bank | 2.5–3% | Contact | Contact | Contact | 1 day |
| HNB IPG | 2.75–4% | Contact | Contact | Contact | Same day/24hrs |
| PayHere Lite | 3.90% | 3.90% + 1% | 3.90% + 0.5% | Supported | 3-5 days |
| PayHere Plus | 2.99% | 2.99% + 1% | 2.99% + 0.5% | Supported | 3-5 days |
| PayHere Premium | 2.69% | 2.69% + 1% | 2.69% + 0.5% | Supported | 3-5 days |
| WEBXPAY X-Wallet | 2.5% | Contact | Contact | 2.5% | T+1 (Next day) |
| WEBXPAY X-Gateway | 2.8% | Contact | Contact | 2.8% | T+1 (Next day) |
| WEBXPAY Premium | 2.6% | Contact | Contact | 2.6% | T+1 (Next day) |
| Onepay Standard | 3.5–3.6% | Contact | Contact | 0.5–1% | Contact |
| 2Checkout | 3.5% + $0.35 | Up to 6% + $0.60 | Variable | Not supported | Instant-2 days |
| BitPay | 1% | 1% | 1% | Not supported | Contact |
| Genie | 1–1.5% | Contact | Contact | 1% | Real-time |
| mCash | 1–1.5% | Contact | Contact | 1% | Real-time |
Sampath Bank Internet Payment Gateway – Central Bank Approved IPG Sri Lanka
Status: Central Bank of Sri Lanka approved, established bank gateway
Features
- Multiple payment methods: Visa, Mastercard, American Express, mobile wallets
- Multi-currency support (LKR, USD, EUR, GBP, AUD, etc.)
- PCI DSS Level 1 certified
- Subscription and recurring billing
- WooCommerce, Magento, PrestaShop integration
Updated Pricing Structure
- Setup Fee: LKR 15,000
- Annual/Recurring Fee: LKR 45,000–75,000 (varies by plan)
- Transaction Fees:
- Local cards: 3%
- International cards: 4–5%
- Settlement Period: 1–2 business days
Requirements
- Must have Sampath Bank current account
- Business registration in Sri Lanka
Contact
- Website: sampath.lk
- Phone: +94 112 305 845
- Email: [email protected]
Seylan Bank Payment Gateway – Competitive Rates IPG Sri Lanka
Status: Dedicated eCommerce department with security deposit requirements
Features
- Visa and MasterCard processing
- 24x7x365 availability
- Merchant account mandatory
- Business-grade security
Updated Pricing Structure
- Setup Fee: LKR 20,000
- Annual Fee: LKR 30,000/year
- Security Deposit: LKR 300,000 (refundable fixed deposit requirement)
- Transaction Fee: 3–4%
- Settlement Period: ~2 working days
Requirements
- Merchant account with Seylan Bank
- Business registration
- Fixed deposit security requirement
Contact
- Phone: 011 200 88 88
Commercial Bank Simple Pay – Enterprise Payment Gateway Sri Lanka
Status: Largest private bank in Sri Lanka with enterprise-grade features
Features
- MasterCard Payment Gateway Solutions (MPGS)
- Supports Visa, Master, Union Pay
- PCI-DSS compliant
- Multi-currency transactions
- Customizable payment pages
- Online installment facility
- Tokenization for recurring payments
Updated Pricing Structure
- Setup Fee: LKR 10,000–15,000
- Annual Fee: LKR 36,000/year
- Transaction Fee: 2.5–3% (competitive rates)
- Settlement Period: Typically 1 working day
Notable Features
- Highest reliability and performance
- Enterprise-grade security
- Excellent customer support (highly rated by developers)
HNB Payment Gateway – Same Day Settlement IPG Sri Lanka
Status: Leading bank with same-day settlement options
Features
- Local and international card acceptance
- Visa and MasterCard support
- High performance and reliability
- Secure transaction channels
Updated Pricing Structure
- Setup Fee: LKR 0–15,000 (depending on plan)
- Annual Fee: LKR 6,000–108,000/year (plan-dependent)
- Transaction Fee: 2.75–4%
- Settlement Period: Same-day or within 24 hours
Requirements
- Application forms available in English and Sinhala
- Business registration required
Third-Party Payment Gateways Sri Lanka – Non-Bank IPG Solutions
PayHere Payment Gateway Sri Lanka – Flexible Plans & Pricing
Status: Central Bank approved, partnered with Sampath Bank
Updated Plan Structure
PayHere Lite
- Monthly Fee: FREE
- Transaction Fee: 3.90%
- Monthly Limit: Up to LKR 200,000/month
- Additional Fees:
- Premium cards (AmEx, Discover, Diners): +0.5%
- Foreign currency payments: +1%
- HelaPay (local wallet): Special 1.99% rate
PayHere Plus
- Monthly Fee: LKR 2,990/month
- Transaction Fee: 2.99%
- Monthly Limit: Up to LKR 3,000,000/month
- Additional Fees: Same as Lite
PayHere Premium
- Monthly Fee: LKR 9,990/month
- Transaction Fee: 2.69%
- Monthly Limit: Unlimited
- Additional Fees: Same as Lite
Features
- Multiple payment methods: Visa, Mastercard, American Express, Discover
- Mobile wallets (eZ Cash, Genie), and online banking
- Multi-currency support
- PCI DSS Level 1 certified
- Mobile app integration
- WooCommerce, Magento, PrestaShop integration
Contact
- Website: payhere.lk
- Phone: 0115 339 339 (24/7 support)
WEBXPAY Sri Lanka – Next Day Settlement Payment Gateway
Status: “Made in Sri Lanka” fintech company, partnered with HNB
Updated Plan Structure
X-Wallet
- Monthly Fee: FREE
- Transaction Fee: 2.5%
- Annual Subscription: LKR 1,000
X-Gateway
- Monthly Fee: LKR 2,490/month
- Transaction Fee: 2.8%
- Setup Fee: None
X-Gateway Premium
- Monthly Fee: LKR 8,990/month
- Transaction Fee: 2.6%
- Setup Fee: None
Features
- Multi-currency payments (online and in-store)
- T+1 (next-day) settlements
- ISO 27001 and PCI DSS compliant
- QR payments (LankaQR, UPI, Alipay+)
- E-commerce platform integration
- Mobile SDKs available
Payment Methods Supported
- Visa, China Union Pay, MasterCard, American Express, Discover, Diners Club
- Mobile wallets: DFCC virtual wallet, FriMi, Upay, Genie, Ezcash, Mcash, Sampath Viswa
- Alipay, WeChat Pay
Onepay Sri Lanka – LankaQR Payment Gateway Solution
Status: Sri Lanka’s trusted online payment service with QR focus
Updated Pricing Structure
- Setup Fee: LKR 1,500 (one-time)
- Monthly Subscriptions: LKR 499–5,999/month (varies by plan)
- Transaction Fees:
- Standard Plan: 3.5–3.6% for Visa/Master/AmEx
- LankaQR: 0.5–1%
- UPI (for Indian wallets): ~1.8%
Features
- LankaQR payment support
- Multiple plan options from Standard to Premier
- UPI integration for Indian customers
- Local mobile wallet support
Other Payment Gateways Available in Sri Lanka 2025
2Checkout Payment Gateway – Global IPG for Sri Lankan Businesses
- Setup Fee: FREE
- Annual Fee: FREE
- Transaction Fees: 3.5% + $0.35 (standard) up to 6% + $0.60
- Global reach: 200+ countries
- Currency Support: Multiple currencies including LKR
- Settlement: Instant to 2 business days
BitPay – Cryptocurrency Payment Gateway
- Setup Fee: FREE
- Annual Fee: FREE
- Transaction Fee: 1%
- Specialty: Crypto payments with stable processing
Genie by Dialog – Mobile Payment Gateway
- Transaction Fees: 1–1.5%
- Model: Pay-as-you-go, no subscription
- Features: Comprehensive financial ecosystem with Dialog network
mCash SLT-MOBITEL – Mobile Money Payment Solution
- Transaction Fees: 1–1.5%
- Model: Pay-as-you-go, no subscription
- Coverage: Over 30,000+ agent locations
Best Payment Gateway Recommendations for Sri Lankan Businesses
- Low upfront cost: PayHere Lite or WEBXPAY X-Wallet—no setup or monthly fee,
with competitive 2.5–3.9% rates. - Growing volumes: PayHere Plus/Premium or WEBXPAY Premium offer lower
percentage rates with monthly fees. - International card business: Bank IPGs like Commercial or HNB may be better for reliable
multi-currency and faster payouts. - QR or mobile: Onepay with LankaQR/UPI is useful for domestic mobile payments.
- Crypto or B2B global: BitPay gives stable crypto checkout at only 1%.
Last Updated: July 2025
Note: Pricing and features are subject to change. It’s recommended to contact providers directly for
the most current rates and terms. Some specific pricing details require direct inquiry as banks often customize packages
based on business requirements and transaction volumes.
Need Help Integrating Payment Gateways to Your Website?
Contact Infinitude Private Limited – Expert IPG Integration Services
Infinitude Private Limited specializes in web development, software development, and IoT solutions with extensive experience in payment gateway integrations across Sri Lanka. Our team can help you choose and integrate the best payment gateway solution for your business needs.
Our Payment Gateway Integration Services Include:
- Payment gateway consultation and selection based on your business requirements
- Custom payment gateway integration for websites and mobile applications
- E-commerce platform integration (WooCommerce, Magento, Shopify, etc.)
- React.js, Next.js, and React Native payment integration
- API integration and custom development
- Security implementation and PCI DSS compliance assistance
- Testing and quality assurance for payment flows
- Ongoing maintenance and support
Why Choose Infinitude for Payment Gateway Integration?
- Local Expertise: Deep understanding of Sri Lankan payment gateway landscape
- Technical Excellence: Proficient in modern web technologies (Next.js 14, React.js, React Native)
- AI-Powered Solutions: Developed AI-based tools specifically for Sri Lankan market
- Module-Based Development: Clean, maintainable code with component-based architecture
- Full-Stack Services: End-to-end web development, software development, and IoT solutions
- Proven Track Record: Successfully integrated payment solutions for numerous Sri Lankan businesses
Get Started with Your Payment Gateway Integration
Ready to integrate a payment gateway into your website or application? Contact Infinitude Private Limited for a free consultation and quote.
Get expert payment gateway integration services from Sri Lanka’s leading web development company. Contact us today for a customized solution that fits your business needs and budget.
