Best payment gateways for online stores in Sri Lanka
· 3 min read · Last checked October 2026
In short
PayHere is the easiest start for most small stores, with a no-monthly-fee plan and ready plugins for WooCommerce and Shopify. Payments.lk has low published card and LankaQR fees. WEBXPAY suits larger stores and wallets, and Onepay is another local option. Compare current fees before you choose.
Quick comparison
| Gateway | Monthly fee | Card fee | Good to know |
|---|---|---|---|
| PayHere | Lite: none. Plus: Rs 3,990. Premium: Rs 9,990 | 3.30% (Lite), 2.99% (Plus), 2.69% (Premium) | Plugins for WooCommerce and Shopify; paid out in 2 days |
| Payments.lk | None | 2.29% (up to Rs 100,000 a month), 2.49% (up to Rs 3 million) | LankaQR 0.99%; by Payable |
| WEBXPAY | Starter: none. Larger plans for high volumes | Ask for the current rate | Wallets such as FriMi, mCash and eZ Cash; paid out the next day |
| Onepay | Rs 1,500 setup fee | Ask for the current rate | LankaQR 1%; recurring billing |
Foreign cards and premium cards (such as Amex) usually cost more than local cards with every gateway. Check the extra fee if you sell abroad.
PayHere
PayHere is the most common choice for small Sri Lankan stores. The Lite plan has no monthly fee, so you only pay per sale, and you can move to a cheaper rate as you grow. It has ready plugins for WooCommerce, Shopify and others, plus payment links. It says it is Central Bank approved, and it pays out to your bank account two days after a payment.
Payments.lk
Payments.lk comes from Payable. It has no setup or monthly fee, low published card fees and LankaQR at 0.99%. It offers checkout links, QR codes, pay buttons and an API, but its website does not mention ready plugins for WooCommerce or Shopify.
WEBXPAY
WEBXPAY accepts cards and popular wallets such as FriMi, mCash and eZ Cash, and offers instalment plans. It pays out the next day for rupee payments. Its larger plans are built for stores selling Rs 10 million or more a month.
Onepay
Onepay, by Spemai, offers online payments, recurring billing and LankaQR at 1%. There is a Rs 1,500 setup fee after your documents are approved. Ask them for the card rate on each plan.
How to choose
- Starting out: choose a plan with no monthly fee, such as PayHere Lite or Payments.lk.
- Using WooCommerce or Shopify: make sure there is a ready plugin for your platform.
- Selling more each month: compare the lower rates on paid plans.
- Cash flow matters: check how fast each gateway pays you.
No website yet? Start with payment links and LankaQR.