Short answer — several Sri Lankan banks run strong Internet Payment Gateways (IPGs) for e‑commerce. The most commonly recommended / widely used by online merchants are:

• Commercial Bank of Ceylon (ComBank) — offers multiple IPG options (Mastercard MPGS, Visa CyberSource and ComBank SimplePay), wide merchant coverage, multicurrency support and strong fraud/3DS tooling. ComBank is one of the largest IPG providers in Sri Lanka. (combank.lk)

• Sampath Bank — operates the Sampath Payment Gateway (powered via Paycorp/Bancstac) with Visa/Mastercard/UnionPay support, 3DS2.0, LankaQR dynamic-code support and acceptance of several international schemes (Amex/Diners/Discover via partners). Good for merchants needing LankaQR + broad card support. (Bancstac.com)

• Hatton National Bank (HNB) — HNB’s Internet Payment Gateway (IPG) has been modernised through a Bancstac partnership (3DS, tokenization, currency conversion, dynamic QR, global card acceptance) and targets low-friction international checkouts. Good for merchants wanting advanced features and cross‑border acceptance. (Bancstac.com)

• DFCC Bank — DFCC’s IPG (DFCC IPGS) supports Visa/Mastercard and, after recent partnerships, UnionPay and other global schemes; offers tokenization, merchant portals, LankaQR and POS/QR merchant apps. DFCC is positioning itself for QR, BNPL integrations and debit-card acceptance innovations. (Bancstac.com)

(Other banks such as NDB and several banks/fintechs also offer merchant acquiring and gateway solutions or partner with global processors; choice can depend on your sector, expected volumes and target customers.) (lankaweb.com)

Which bank is “best” depends on what matters most for your store. Compare these factors when choosing:

• Accepted payment types and card schemes (Visa/Mastercard/UnionPay/Amex/JCB).
• 3D Secure (3DS 2.0) and fraud tools (reduces chargebacks).
• LankaQR / VisaQR support (lower-cost QR payments for local customers).
• Multi‑currency pricing & dynamic currency conversion (important for foreign customers).
• Integration options: hosted checkout, API, plugins (WooCommerce/Shopify), single‑use links and mobile SDKs.
• Tokenization / recurring payments (subscriptions).
• Settlement time and currency of payout (LKR vs foreign currency).
• Fees: setup, monthly, per‑transaction, chargeback fees — these vary and must be quoted.
• Developer documentation, onboarding speed and local support availability.

Practical recommendation (quick):

• If you want broad merchant reach, mature fraud tools and established integrations: consider Commercial Bank (ComBank). (combank.lk)
• If you want strong LankaQR support plus broad card acceptance including UnionPay and Amex via partners: Sampath Bank is a solid option. (Bancstac.com)
• If you need advanced international features (currency conversion, tokenization, dynamic QR): HNB and DFCC are worth evaluating. (Bancstac.com)

If you’d like, I can:

• compare the banks above in a short table (fees, 3DS, LankaQR, plugins) — I’ll need to fetch their current fee schedules and integration docs; or
• prepare an email/template you can send to banks to request merchant quotes (pricing, settlement terms, onboarding time).

Which of those would help you most?