Sources: State Bank of Pakistan and provider disclosures, 2024–2025.
How Pakistan pays
Pakistan is one of the largest markets in Asia and still leans on cash on delivery for many online orders. Digital payments are growing fast around three rails: the mobile wallets JazzCash and Easypaisa, used by tens of millions for transfers, bills and shopping; Raast, the State Bank of Pakistan's instant payment system; and PayPak, the domestic card scheme, alongside Visa, Mastercard and UnionPay cards.
A large diaspora in the Gulf, the UK and North America also pays for services at home with cards issued abroad. For an enterprise merchant, the value is a trusted card checkout that moves orders off cash on delivery: cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers to protect approvals, with rupee pricing and FX handled for you.
Why merchants run on us here
Moving buyers off cash
A trusted card checkout is how merchants shift orders from cash on delivery to prepaid.
How Pakistan pays
JazzCash, Easypaisa and Raast are the rails Pakistanis already use every day.
Diaspora-ready
Pakistanis abroad pay with foreign-issued cards, so routing by card origin matters.
Rupee pricing and FX
Price in PKR and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Pakistan
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Pakistan like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Pakistan through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Pakistani rupee (PKR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Pakistan?
Talk to our payments team about going live in Pakistan — coverage, local acquiring, settlement and timelines for your business.