Online EMI Facility

EMI (Equated Monthly Installment) Guide

How Can I Avail EMI?

You can avail EMI facilities when making a purchase of at least BDT 5,000 using a credit card from any merchant that supports EMI.

Which Banks Offer EMI Facilities?

EMI services are currently supported by 25 banks in Bangladesh. These include:

1. Al-Arafah Islami Bank Limited (AIBL)

2. Bank Asia

3. BRAC Bank

4. City Bank

5. Dhaka Bank

6. Dutch-Bangla Bank

7. Eastern Bank Limited (EBL)

8. EXIM Bank

9. Jamuna Bank

10. LankaBangla Finance

11. Mutual Trust Bank (MTB)

12. NCC Bank

13. Prime Bank

14. Pubali Bank

15. Shahjalal Islami Bank

16. Southeast Bank

17. Standard Bank

18. Standard Chartered Bank

19. NRBC Bank

20. NRB Bank

21. Meghna Bank

22. SBAC Bank

23. Midland Bank

24. Community Bank

25. Islami Bank Bangladesh Limited (IBBL)

How Does the EMI Process Work?

1. During checkout, after entering your credit card number, a pop-up box will appear prompting you to select your preferred EMI tenure (e.g., 3, 6, 9, or 12 months).

2. Once selected, the EMI request is forwarded to SSLCOMMERZ for processing.

3. The transaction is then automatically converted to EMI — no need to contact your bank or submit any documents.

How Long Does EMI Conversion Take?

EMI processing typically takes 7–10 working days.

Why Was I Charged the Full Amount?

It’s normal for the full amount to be charged initially and held in a frozen state. Once the EMI is approved and processed, the amount is broken down into monthly installments.

If you don’t see the EMI reflected in your next billing cycle, please email operation@sslcommerz.com with a copy of your bank statement for assistance.

Are There Any Charges for EMI?

Yes, EMI may include additional charges, depending on the merchant’s configuration:

• If the merchant chooses to bear the EMI charges, the customer pays no extra cost.

• If the merchant passes on the cost, the customer bears the EMI charges.

These terms are pre-set by the merchant during EMI configuration.

Why Choose SSLCOMMERZ EMI Service?

Customer Benefits:

• Access to EMI with 19+ major banks, covering the majority of Bangladesh's cardholders.

• Fully digital process — no paperwork required.

• Real-time EMI conversion means immediate confirmation and satisfaction.

• Quick setup, seamless integration, and hassle-free use.

• Dedicated tech support to ensure smooth operation.

Merchant Benefits:

• Boost high-value sales: EMI makes it easier for customers to purchase expensive products without financial strain.

• Gain a competitive edge with EMI support from 19 leading banks.

• Build a loyal customer base by offering flexible payment options.

• Enjoy increased conversions and revenue with better customer trust.

• Stay tech-ready and future-proof with robust SSLCOMMERZ integration.