Top 5 Payment Gateways for Sri Lankan Websites (2026)
As a growing business in Sri Lanka—whether you are in Jaffna, Colombo, or running an online brand—the most important part of scaling is getting paid securely. With more Sri Lankans buying online and the global diaspora supporting local businesses, having a reliable Internet Payment Gateway (IPG) is now essential.
In 2026, cash on delivery alone cannot grow your business. Whether you are running a handicrafts shop in Nallur or a tech startup in Colombo, your website or mobile app must support online payments.
At SiTechra, we integrate payment systems for Website Development, E-Commerce stores, mobile apps, and custom software solutions. Here is our expert breakdown of the best payment gateways for Sri Lankan businesses in 2026.
1. PayHere – The All-Rounder
PayHere remains the most popular choice among small and medium businesses in Sri Lanka. It works as a payment aggregator, which gives you access to multiple payment methods in a single integration.
Best For: Startups, e-commerce stores, freelancers
Why We Recommend It: Supports Visa, Mastercard, Amex, Genie, EzCash, Frimi, and more.
Jaffna Advantage: Ideal for businesses serving the global Sri Lankan diaspora due to strong foreign currency support (USD, GBP, EUR).
Integration: We integrate PayHere into custom online stores, mobile apps, and E-Commerce websites using their official SDK.
2. WebXPay – The Trusted Veteran
WebXPay is one of the earliest payment platforms to make IPGs accessible to small businesses in Sri Lanka. They also allow merchants to accept payments without a full website.
Best For: SMEs, service providers, small shops
Key Feature: Payment links + invoicing + product listing on their X-Selling marketplace
Cost: Competitive monthly fee with transaction rates around 2.5% – 3%
3. Genie Business (By Dialog)
Genie Business has quickly grown into a strong digital payment ecosystem backed by Dialog. Their QR-based payment system is one of the best in Sri Lanka.
Best For: Retail shops and merchants with physical + online customers
Key Feature: Very low transaction fees for QR payments
Tip: If your audience is mobile-first, adding Genie QR is a must.
4. DirectPay – The Modern & Developer-Friendly Choice
DirectPay is known for modern APIs, low transaction charges, and fast settlement processes.
Best For: Tech-focused companies, subscription services, SaaS platforms
Developer Advantage: At SiTechra, we consider DirectPay’s API one of the easiest to integrate for mobile apps and Enterprise Software Solutions.
5. Koko – Buy Now, Pay Later (BNPL)
Koko is not a traditional payment gateway but a Buy Now, Pay Later platform that increases customer’s purchasing power.
Best For: Fashion stores, electronics, lifestyle brands
Impact: Brands integrating Koko often see a 30% increase in conversion rates for high-value products.
Which Payment Gateway is Best for Jaffna Entrepreneurs?
It depends on your business type:
- Targeting Foreign Customers? Choose PayHere.
- Local Retail Shop? Genie or DirectPay works best.
- Fashion or High-Ticket Items? Add Koko for BNPL.
If your website is built with Shopify, WordPress, or Laravel—we can integrate all these gateways smoothly.
Need Help Integrating Payment Gateways?
Payment gateway setup involves API keys, sandbox testing, IPN callbacks, and security configurations. One small error can cause failed transactions.
At SiTechra, we specialise in secure and conversion-focused digital solutions, including:
Let SiTechra handle the technical work while you focus on growing your business.
Contact SiTechra Today and start accepting payments smoothly.