SGT Cart supports every major payment channel used in Bangladesh. Choose the one that suits you at checkout — your selection is saved per Order, not stored as a card on file, unless you explicitly opt in. All transactions are denominated in Bangladeshi Taka (BDT, Tk).
1. Overview & currency
| Method | Fee to customer | Best for |
|---|---|---|
| Cash on Delivery | Tk 20 service fee (waived above Tk 1,000) | First-time buyers, cash-preferring areas |
| bKash | None (SGT absorbs the gateway fee) | Fast prepaid orders, instant refunds |
| Nagad | None | Same as bKash |
| Visa / MasterCard / AMEX / Discover | None for the buyer | Higher-value orders, frequent shoppers |
| SGT Cart Wallet credit | None | Refunds, returning customers |
| Reward Points | None | Stack with another method |
All prices on the Platform are VAT-inclusive. The number you see at checkout is what you pay — no hidden top-ups.
2. Cash on Delivery (COD)
Pay in cash to the courier when the parcel arrives. Available in most districts in Bangladesh, subject to:
- Maximum order value: Tk 25,000 per Order. Higher-value Orders require prepayment.
- Service fee: Tk 20 per Sub-Order, waived for Orders ≥ Tk 1,000.
- Address eligibility: Some remote areas may be excluded; the COD option is hidden at checkout when unavailable.
- First-time buyer review: For very new accounts, COD may be restricted on the first 1-2 Orders to reduce fraud risk.
The courier carries a printed invoice. You inspect the parcel for obvious damage, pay the exact amount (or use the courier's change float), and receive a receipt. Open the parcel only after payment — the courier cannot accept the parcel back at the door.
If you find an issue after opening, follow the Returns flow for refund or replacement.
3. bKash & Nagad mobile wallets
The two biggest mobile-money providers in Bangladesh, both supported:
- At checkout, select bKash or Nagad.
- Click Confirm & pay. You're redirected to the wallet's secure page.
- Enter your mobile number and one-time PIN sent to your phone (we never see your wallet PIN).
- On success you return to SGT Cart with the Order confirmation.
If you abandon the payment or it fails, the Order remains in "Payment pending" state for 30 minutes — you can retry from the Order page without losing your cart. After 30 minutes the Order is cancelled and any reward points / coupon are restored.
Refunds to bKash / Nagad land in the same mobile-wallet number. If your number has changed, contact support@sgtcart.com with proof (KYC screenshot) to update before the refund is initiated.
4. Card payments (Visa, MasterCard, AMEX, Discover)
Card payments are processed by SSLCommerz, a PCI-DSS-certified gateway. SGT Cart never sees your full card number, CVV or 3D-Secure PIN.
- Cards issued by any Bangladesh-licensed bank are accepted.
- International-issued cards: accepted for most product categories. A small set (high-value electronics, gold, gift cards) may be restricted by SSLCommerz risk rules.
- Save card for next time: SSLCommerz can tokenise your card for one-tap subsequent payments. The token, not the number, is what's stored — and you can delete it from Account → Payment Methods any time.
- 3D-Secure (OTP): Most banks now require an OTP from your phone before the charge completes. Have your phone ready.
Failed card payments do not place the Order. Card authorisations that expire after a failed checkout are released by your bank within 5-7 days.
5. Reward Points & SGT Wallet
Both are SGT Cart-internal balances — no external transfer involved, no fee.
Reward Points
- Earned when a Sub-Order is delivered, at the rate disclosed on the Rewards page.
- Each point = Tk 1 at checkout. You can use up to your full balance on any Order, subject to a cap of 30% of the cart subtotal so cash never goes to zero.
- Points and cash can be combined in the same checkout.
- Points have no cash-out value — they only redeem against Orders.
SGT Cart Wallet
- Credit balance created when you accept a refund as Wallet credit (instant) or when SGT Cart issues a goodwill / promotional credit.
- Spends like cash — no 30% cap, no expiry.
- Not withdrawable to bank / bKash. It's purely Platform credit.
6. Security & failed payments
- The Platform is HTTPS-only (TLS 1.2+) on every page and every API call.
- Card data goes directly from your browser to SSLCommerz over an iframe. SGT Cart's servers never receive it.
- Mobile-wallet PINs are entered on the wallet's own page, not ours.
- All payment events are logged with an idempotency key, so a refresh or duplicate-submit cannot double-charge you.
- Any unusual activity (multiple failed cards, unrecognised device) may trigger a one-time email verification before checkout completes.
If you spot an unfamiliar charge from SGT Cart on your statement, email support@sgtcart.com with the date, amount and last 4 digits of the card. We respond within 24 hours, share the gateway reference, and refund any unauthorised charge after investigation.