Modern payment rails for Sri Lanka 🇱🇰
Accept payments from 2.29%.No monthly fees, now or ever.
We are building a lean, startup-friendly gateway: designed to give you value, never to price-gouge you, and to grow with your business. Sign up at no cost and no risk. Just immense value.
- Setup fee
- Rs. 0
- Monthly fee
- Rs. 0
- Minimum volume
- None
Modern rails, priced without the legacy.
Most Sri Lankan gateways make you ask, then charge a monthly fee to reach a decent rate. We publish three numbers, in the order you meet them, and none of them comes with a fee for existing.
- Starter: cards up to Rs. 100,000 a month2.29%
Credit and debit cards through the IPG, subsidised by our startup focus to help you get off the ground.
Where you start - Growth: cards up to Rs. 3,000,000 a month2.49%
Standard pricing on cards. Still cheaper than every published plan in the market, and still no monthly fee.
As you grow - Enterprise: over Rs. 3,000,000 a monthEnterprise
Speak to a payments specialist. At this size your card mix, chargeback profile and settlement terms move the rate more than volume does.
See what else Enterprise coversWhen you outgrow it
Our promise
The most money stays in your pocket.
We subsidise your start because we understand that in the beginning things are hard and you cannot yet make money. Where everyone else charges you up front, we take a different view. We are a payments and digital enablement partner with the sole focus of helping you grow, and we earn when you do.
- A subsidised start: 2.29% on cards while you get off the ground, with no monthly fee to reach it.
- No monthly fee and no setup fee, so a month with no sales costs you nothing.
- Every rate is published, and checked against the whole market every month.
- As you grow, the standard rate stays cheaper than every published plan; above Rs. 3,000,000 a month a specialist prices you against whatever you pay today.
If a published plan ever leaves you with more than we do at your volume, tell us and we will put it right: hello@payments.lk
What you never pay
- Setup fee
- Rs. 0
- Monthly fee
- Rs. 0
- Fixed fee per sale
- Rs. 0
What is added, and only when it applies
- Cross-border cards
- +1.0%
- Premium issuer cards
- +0.5%
- LankaQR and LankaPay
- 0.99% + Rs. 10
Cards issued outside Sri Lanka.
Higher interchange from the issuer, passed through at cost.
0.99% of the payment, plus Rs. 10 on payments under Rs. 2,500. Above that, 0.99% alone.
Rates apply to the volume you process in a calendar month. High-risk categories are priced separately, and we tell you the number before you go live, not after.
The zero-fee promise
Sell nothing this month? Then you owe us nothing.
Every startup has a dead month. Ramadan, the off season, the month your ads stopped working, the month you were rebuilding. A monthly fee does not care about any of that. It comes out whether you traded or not.
We do not have one. No monthly fee, no setup fee, no minimum, no fixed charge per sale. If money does not move, you are not billed. That is the whole policy.
See the full charge sheetA year of monthly fees, before you sell anything
- Payments.lkno monthly fee, ever
- Rs. 0
- A plan with a Rs. 2,999 monthly feeRs. 2,999 a month
- Rs. 35,988
- A plan with a Rs. 3,990 monthly feeRs. 3,990 a month
- Rs. 47,880
- A plan with a Rs. 9,990 monthly feeRs. 9,990 a month
- Rs. 119,880
Twelve months of a published monthly fee, before a single sale. A startup on a Rs. 9,990-a-month plan pays Rs. 119,880 a year for the privilege of a slightly better rate.
Put your own numbers in.
Your volume and your average order. We will show you the monthly and annual figure for every published plan in the market, ranked, with ours in among them.
I takea month, at aboutRs.an order, with%of it by QR
You would pay Payments.lk
Rs. 9,060/ month
2.49% on local cards, nothing else
Cheapest in the marketYou keep, versus legacy pricing
Rs. 135,240 a year
Rs. 11,270 every month
What you would pay, against the legacy pricing leaders’ premium package
- 🥇🥇
2.49% on cards, 0.99% on QR, nothing else
Rs. 9,060
Rs. 108,720 / yrRs. 8,466 cards · Rs. 594 QR
- 🥈🥈
Legacy pricing leaders
Their premium package: the best card rate they publish, a monthly fee to reach it, and QR at 1.99%. 2.69% on local cards · Rs. 9,990 a month
Rs. 20,330
Rs. 243,960 / yrRs. 19,136 cards · Rs. 1,194 QR
What a monthly fee costs you in a year, before you sell anything
Every startup has bad months. A monthly fee does not care. It is charged whether you traded or not, so it lands hardest on the smallest merchants. Ours does not exist.
Payments.lk
No monthly fee, ever
Rs. 0
Legacy pricing leaders, premium package
Rs. 9,990 a month, before a single sale
Rs. 119,880
Competitor figures are the providers’ published rates as at 5 September 2026. If one is wrong or has changed, write to hello@payments.lk and we will correct it.
No business registration? Professionals apply as themselves.
Doctors, lawyers, accountants, consultants and other licensed professionals trade in their own name, and every other gateway still stops them at the first question: business registration number.
Apply with your NIC and your professional registration, from the SLMC, the Bar Association, CA Sri Lanka or your own body, and we assess you as you are. Register a business later and the account moves across with you.
Apply as a professional- Your NIC or passport
- Your professional registration
- A sentence on what you do
- A bank account in your own name
What you need to apply
That is it. No BR, no business plan, no deposit.
How it works
- 01
Open the dashboard
No form and no email. You are looking at the dashboard, with sample numbers in it, before you have told us a single thing.
- 02
Answer by tapping
One question a screen and most of them are a tap. About halfway through we ask for an email and a password so the answers are yours. Everything saves as you go.
- 03
Get your keys
We review it, come back to you on anything missing, and hand over live API keys once you are approved.
Checkout pages
Sell without a website
Build a checkout page for what you sell and share it as a link, a QR code or a button, or open it from your own app. Try all four, in English, Sinhala or Tamil.
For developers
One endpoint, keys on approval.
A REST API with 3D Secure built in, plus SDKs for Node.js, PHP, React Native, iOS, Android and Flutter, and a pay button, if you would rather not write the calls yourself. Sandbox credentials arrive with your application, so you can integrate while underwriting runs. The pricing, the onboarding and the comparison are published in plain text for agents too.
Read the developer pagecurl https://api.payments.lk/v1/checkouts \
-H "Authorization: Bearer sk_test_..." \
-H "Idempotency-Key: order-8891" \
-H "Content-Type: application/json" \
-d '{"amountCents": 350000, "description": "Order 8891"}'Enterprise
Getting paid is the part everyone talks about. It is rarely the part that breaks you.
A card rate solves one problem. You still have a counter to sell from, stock that never matches the spreadsheet, invoices going out by hand, VAT due at the end of the quarter and payroll on the last working day. We can take those too, and price them the same way we price payments.
Card Present Payments
The same account, across a counter.
One terminal, delivered configured and paired to the till, taking every card at the same rate as your online payments. Everything it takes shows up on the same dashboard.
- Wireless, prints receipts, scans barcodes
- Same rate as online, no separate contract
- Already have hardware you like? It syncs with that too
- Output VAT on sales
- Rs. 1,284,600
- Input VAT on purchases
- Rs. 611,250
- Net payable to the IRD
- Rs. 673,350
VAT calculated on every sale and purchase the moment it is recorded, input credit tracked against it, and the return prepared from the ledger. The quarter closes without a spreadsheet.
- Consulting, 12 hoursRs. 96,000
- Onsite dayRs. 25,000
- VAT 18%Rs. 21,780
- Ceylon black tea 250g82 left
- Cinnamon sticks 100g14 left
- Jaggery 500g47 left
New
Kitchen
Served
Table 6
2× kottu, 1× lime soda
Built for how your industry actually runs
Retail and FMCG
One real-time stock view across every outlet and online store, batch and expiry tracking, true margins by outlet, card payments reconciled to the ledger.
- Point of sale
- Inventory
- Catalogue and live stock
- Online storefront
- Customers (CRM)
Hospitality and food service
Reservations and front desk, room and rate management, housekeeping, guest folio billing, restaurant and bar on the same point of sale.
- Hotel PMS and bookings
- Restaurant and bar
- Point of sale
- Payroll
Hotels and property
Units and portfolios, tenants and leases, rent invoicing and collection through the same payment rail, maintenance work orders, owner statements.
- Property management
- Invoicing
- Accounting
- Checkout and payments
Wholesale and distribution
Multiple warehouses with pick, pack and dispatch, trade customers on their own pricing and credit terms, orders and receipts straight to the ledger.
- Warehouse management
- Purchasing and suppliers
- Sales and orders
- Inventory
Professional and client services
Billable time by project turned into invoices without rekeying, recurring and staged billing, utilisation and profitability, payments matched to the project.
- Project billing
- Invoicing
- Customers (CRM)
- Accounting
Workforce and HR
Rosters, attendance and leave in one place with staff handling requests themselves, payroll from the same data, statutory contributions flowing to the right outlet.
- Recruitment
- Employee records
- Time, attendance and leave
- Rosters and shifts
- Payroll
- Performance and self-service
Industry and module descriptions from surge.cloud. Figures inside the previews are illustrative.
And the software undercuts the market the same way the payments do.
What a ten-person business pays each month for the same class of platform.
Surge Cloud
$50 a month including five users, then $2 per user
$60Odoo Standard
US$8.95 per user, per month on annual billing
$90Zoho One
US$37 per employee, per month, and every employee must be licensed
$370Oracle NetSuite
About $999 a month for the platform plus $99 per user
$1,989
Surge Cloud pricing from surge.cloud. Comparison figures are list prices from each vendor’s own pricing page for ten users, checked on 9 September 2026. Odoo shows its regional price for Sri Lankan buyers. Oracle does not publish NetSuite pricing, so that row uses the commonly cited platform fee and per-user rate. Implementation is quoted separately in every case, ours included.
The application asks whether you want any of this. Saying yes costs nothing and does not affect your payments approval.
Questions
All 41 answersIs the headline rate really the whole cost?+
For an ordinary local card, yes. There is no setup fee, no monthly fee and no minimum volume on top of it. Two things are added only when they apply: cards issued outside Sri Lanka cost 1.0% more, and premium issuer cards cost 0.5% more. Both are costs the card networks charge us and we pass them through rather than hiding them in the headline.
Why is the rate cheaper when I am smaller?+
Because starting is the hard part. In the beginning things are hard and you cannot yet make money, so we subsidise your start: 2.29% on cards under Rs. 100,000 a month, with no monthly fee and no setup fee. Where everyone else charges you up front, we take a different view; we are a payments and digital enablement partner whose only focus is helping you grow, and we earn when you do. Above Rs. 100,000 the standard 2.49% still beats every published plan in the market, and past Rs. 3,000,000 a specialist prices you directly.
I have not registered a company. Can I still apply?+
Yes, if you are a licensed professional trading in your own name: a doctor, lawyer, accountant, consultant and the like. Apply with your NIC and your professional registration and we assess you as you are. If you are building a business that will need registering, say so; we walk you through registration and a business bank account as part of onboarding.
How long does approval take?+
Usually a few working days once your application is complete. Incomplete applications are the main thing that slows this down, which is why the form saves as you go.
What happens to the ID and bank details I enter?+
They are encrypted before they are stored and are only read by the team underwriting your application. We do not sell or share them for marketing.