SSLCommerz: cards and mobile banking at checkout
Connect SSLCommerz so buyers can pay by card, mobile banking or internet banking. Keys, test, notification address, refunds and common errors.
Connect SSLCommerz in about ten minutes once you have your Store ID and Store password.
What it is#
SSLCommerz is a payment gateway with a hosted payment page. At checkout the buyer goes to the SSLCommerz page and pays by card, mobile banking or internet banking, then comes back to your store. It suits shops that want many payment methods behind one account.
What you need#
- An SSLCommerz merchant account for Live. For testing, a sandbox store from the SSLCommerz developer site.
- Two values, which you paste into Jukto:
| Field in Jukto | What it is |
|---|---|
| Store ID | The store identifier SSLCommerz gave you |
| Store password | The password of that store (a secret, never shown again after you save) |
Where to find your keys#
- 1
To test first, make a sandbox store
On the SSLCommerz developer site (developer.sslcommerz.com) create a sandbox store. It gives you a sandbox Store ID and Store password. SSLCommerz also lists a shared public test store in its developer pages, but your own sandbox store is the better test.
- 2
For real payments, use your merchant panel
Sign in to your SSLCommerz merchant panel. Your live Store ID and Store password were sent by SSLCommerz when your account was approved. If you cannot find them, ask SSLCommerz support.
- 3
Copy the two values
Copy the Store ID and the Store password. Do not mix a sandbox value with a live value.
What Jukto does#
- Keys. Saved encrypted for this website only. The password is never shown again.
- Payment. Jukto opens a payment session with SSLCommerz and sends the buyer to the SSLCommerz page. SSLCommerz accepts amounts from 10 to 500,000 BDT.
- Notification (IPN). Jukto sends its own notification address to SSLCommerz with every payment, so you do not have to register it. If you want, you can still paste it in your SSLCommerz panel under My Store > IPN Settings. The address is shown on the provider page under Addresses to register at the provider.
- Verification. When the buyer returns, or when the notice arrives, Jukto asks SSLCommerz's validation service directly and compares the transaction and the amount. Only then is the order marked paid.
- Risk hold. If SSLCommerz holds a payment for its own risk review, the payment stays waiting ("paid, held by SSLCommerz risk review") and the order is not marked paid until it is released.
- Order. On success the payment shows Paid in the Payments list of the provider page and in the order, with the reference and the fee when SSLCommerz reports one.
- Refunds. You can refund from the order. For live refunds SSLCommerz wants the public IP address of the Jukto server registered on your merchant account. Ask SSLCommerz support to register it.
Text version of the diagram
- Buyer picks SSLCommerz to SSLCommerz payment page
- SSLCommerz payment page to Buyer returns / notice arrives
- Buyer returns / notice arrives to Jukto asks SSLCommerz to validate
- Jukto asks SSLCommerz to validate to Valid, amount matches?
- Valid, amount matches? to Order marked paid (Yes)
- Valid, amount matches? to Not paid, or held for review (No)
Test and turn on#
- 1
Open the provider
Go to Dashboard > Tools > Integrations, open the Payments group and choose SSLCommerz.
- 2
Choose the mode and fill the fields
Pick Sandbox (testing) or Live to match your keys. Fill Store ID and Store password, then press Save.
- 3
Press Test connection
Jukto asks SSLCommerz about a made-up transaction. A valid store answers, and you see "SSLCommerz sandbox accepted the store id and password" (or "live").
- 4
Go live
If you tested in Sandbox, switch to Live, enter your live pair, Save and test again.
- 5
Press Turn on
Place one small real order and check the Payments list. Press Check again if a payment stays waiting.
Common errors#
| What you see | What it means | What to do |
|---|---|---|
| Fill in: Store ID, Store password | A required field is empty | Fill both fields and save |
| SSLCommerz refused the store id or password | The pair is wrong, or the mode does not match the pair | Re-copy the values and check Sandbox or Live |
| SSLCommerz did not answer; try again in a minute | SSLCommerz or the network was slow | Test again after a minute |
| Too many tests in a row. Wait a minute and try again. | You pressed the button too often | Wait a minute |
| amount does not match, check the provider panel | The paid amount differs from the order | Look at the payment in the SSLCommerz panel before you ship |
| paid, held by SSLCommerz risk review | SSLCommerz is reviewing the payment | Wait for SSLCommerz to release it, then press Check again |
| the bank transaction id is not saved yet; check the payment status first | A refund was tried before the payment was confirmed | Press Check again on the payment, then refund |
| SSLCommerz refused the refund | The refund was not accepted | Check the amount and that your server address is registered at SSLCommerz |
Next#
- Payments overview: compare with the other providers.
- bKash or Paystation: add a wallet-first option.
- Integrations overview
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