The True Cost of Payment Gateway Fees: How to Save 2.5% to 4% on Every Sale
In the Bangladeshi e-commerce space, profit margins often hover between 10% and 20%. When third-party payment aggregators take 2.5% to 4% off the top of every transaction, they are quietly eating away up to 25% of your total net profit.
1. The Math: Aggregators vs Self-Hosted MFS Automation
Let us look at a real business case in Dhaka processing ???1,000,000 in monthly sales:
Monthly Cost Comparison (???1,000,000 GMV)
- Traditional Payment Gateway (3.0% average fee): ???30,000 lost in transaction deductions every month (???360,000 per year).
- FuturePay MFS Automation (0% commission): ???0 lost in gateway transaction fees. All funds go directly to your SIM wallet.
2. Hidden Costs: T+3 and T+7 Payout Delays
Transaction commissions are only half the pain. Aggregators hold your cash flow for 3 to 7 business days before releasing payouts to your bank account. For fast-scaling stores that must replenish inventory daily, delayed settlements kill growth momentum.
With FuturePay's peer-to-merchant architecture, when a customer pays, the funds arrive in your wallet instantly. You can immediately withdraw, pay suppliers, or spend via your MFS Visa/Mastercard without waiting for weekly settlement cycles.
Automate Your Payments with FuturePay
Zero transaction cuts. Sub-second SMS synchronization. Compatible with bKash, Nagad, Rocket, Upay, and dynamic Bangla QR.
