Payment Gateway in Pakistan: Best Providers, Fees, Reviews & Requirements

Choosing the right payment gateway in Pakistan can make a significant difference to your online business. Whether you run a WooCommerce store, a Shopify website, a SaaS platform, or a mobile application, you need a reliable way to accept payments, manage transactions, and receive funds in your business bank account.

Pakistan’s digital payment ecosystem includes local payment gateways, bank-operated services, mobile wallets, and payment collection platforms. However, not every provider offers the same payment methods, transaction fees, integration options, or merchant eligibility requirements.

This guide compares the major payment gateway options in Pakistan, explains their pricing and verification requirements, and helps you choose a solution based on your business needs.

Quick Comparison: Payment Gateways in Pakistan

The following table provides a starting point for comparing providers. Availability, pricing, and merchant approval depend on the provider’s current terms and your business profile.

Important: This is a practical shortlist, not an independently verified ranking by market share. Before applying, confirm the provider’s official product availability, current pricing, supported payment methods and relevant regulatory status.

What Is a Payment Gateway?

A payment gateway is a technology that helps an online business accept and process electronic payments. It connects the customer’s checkout experience with the payment processing infrastructure used to authorize and complete a transaction.

For example, suppose you sell products through a website in Pakistan. A customer adds an item to the cart, enters their payment details, and confirms the purchase. The gateway securely facilitates the payment process and communicates the transaction result to your website.

Depending on the provider, payment methods may include:

• Visa and Mastercard debit or credit cards
• Mobile wallets such as Easypaisa and JazzCash
• Online banking
• Raast or other supported account-to-account payment methods
• Payment links and invoice-based collections

Not every gateway supports every method. Some providers specialize in card payments, while others focus on bill payments, institutional collections, or business invoicing.

It is also important to distinguish a payment gateway from a payment processor, merchant account, and mobile wallet. These services may work together, but they are not necessarily the same product.

Best Payment Gateways in Pakistan

1. Safepay

Safepay is a Pakistani payment technology provider offering online payment acceptance, checkout tools, developer integrations, and payment management features.

Its official pricing page provides a published standard pricing option, making it a useful starting point for businesses that want to estimate their payment processing costs.

Key features

• Domestic card payments
• International card payment options, subject to eligibility
• Supported digital wallets and Raast payments
• APIs, SDKs and developer documentation
• WordPress and WooCommerce integrations
• Shopify payment integrations
• Payment links and subscription tools

Published pricing

At the time of research, Safepay’s official pricing page lists the following standard charges:

These rates are subject to Safepay’s applicable pricing terms. Additional taxes, special pricing arrangements, and other conditions may apply. Confirm the final charges directly with Safepay before making a business decision.

Source: https://getsafepay.pk/pricing

Advantages

• Publicly available standard pricing
• Developer-oriented documentation
• Multiple integration options
• Tools for recurring payments and payment links

Limitations

• Merchant approval is still required.
• International payment acceptance is subject to applicable eligibility and risk checks.
• The advertised transaction fee is not necessarily the complete cost for every business.

Best for: Businesses that want a documented integration path, transparent standard pricing, and a combination of online payment methods.

2. PayFast

PayFast is another provider worth evaluating when comparing online payment acceptance options in Pakistan.

Before choosing PayFast, request its current merchant pricing schedule and confirm which payment methods are enabled for your particular account.

Questions to ask include:

• Are domestic debit and credit cards supported?
• Are Easypaisa and JazzCash available under the proposed merchant plan?
• Is Raast supported for the specific checkout product?
• What are the transaction charges and applicable taxes?
• Are setup fees or monthly fees applicable?
• How long does settlement take?
• Is an official WooCommerce or Shopify integration available for your intended setup?

Advantages: A potential option for businesses seeking a local payment acceptance solution.

Limitations: Pricing, onboarding requirements and supported methods should be confirmed using current official merchant documentation rather than third-party estimates.

Best for: Online businesses comparing locally available payment gateways and merchant acquiring options.

3. Paymob

Paymob provides payment technology and merchant payment solutions across multiple markets. Businesses in Pakistan should verify which products and onboarding arrangements are currently available to them.

The State Bank of Pakistan’s authorized PSO/PSP list dated November 5, 2025, lists Accept Technologies (Pvt.) Ltd. (Paymob) under in-principle approval for specified payment services. This is not the same as a commercial operating licence.

Therefore, do not assume that a particular Paymob product is commercially available to every Pakistani merchant simply because the brand operates internationally.

Before applying, confirm:

• Current Pakistan merchant onboarding availability
• Applicable local regulatory status
• Supported cards and wallet methods
• Transaction fees and settlement conditions
• Integration documentation and technical support

Best for: Businesses that have confirmed Paymob’s availability and eligibility for their particular requirements.

4. PayPro

PayPro offers payment gateway and digital collection services designed for Pakistani businesses. Its published information describes card payments, digital banking, wallets, over-the-counter collection, and integrations for e-commerce platforms.

Its documentation also discusses integrations with WordPress, Shopify and OpenCart, along with APIs for mobile applications.

Key features

• Debit and credit card acceptance
• Digital banking and wallet payment options
• Payment collection and invoicing
• E-commerce integrations
• Refund request handling
• Business payment management

PayPro states that merchants need a business or merchant bank account to register, and that sole proprietorships may apply. Its published requirements include business details, CNIC, bank account information, a bank account maintenance certificate, and an NTN.

Requirements can change, so obtain the latest checklist directly from PayPro.

Pricing: PayPro states that charges vary according to business circumstances and local or international payment arrangements. Contact the provider for a current quotation.

Best for: Businesses that need payment collection, invoicing, and multiple payment channels.

5. Kuickpay

Kuickpay is worth investigating for businesses that need payment collection and billing infrastructure, particularly institutional or recurring bill-collection use cases.

Before treating it as a direct replacement for a conventional e-commerce checkout gateway, verify whether its current products support your specific requirements.

Check whether your intended service includes:

• A customer-facing online checkout
• Payment collection through banks or supported payment channels
• Merchant APIs
• Automated payment confirmation
• WooCommerce or other e-commerce integrations
• Refunds and settlement reporting

Best for: Organizations and businesses whose primary requirement is payment collection or billing rather than a standard online shopping checkout.

6. bSecure

bSecure focuses on commerce and checkout-related payment tools. Businesses considering it should investigate the available checkout features, supported payment methods, merchant requirements and current integration options.

In particular, confirm whether the service supports your exact combination of website platform, payment methods and customer location.

Best for: E-commerce businesses seeking checkout-oriented features and a streamlined purchasing experience.

7. JazzCash Merchant Payments

JazzCash is a major digital wallet brand in Pakistan and offers merchant payment services.

However, opening a wallet account does not automatically provide every feature required for a website payment gateway.

If you want to integrate JazzCash directly into a website or application, ask about:

• Merchant account eligibility
• Available API or gateway products
• Online payment methods
• Merchant fees and settlement
• Website and mobile app integration
• Test environment and transaction verification

Best for: Businesses whose customers commonly use JazzCash and whose merchant setup supports the required payment flow.

8. Easypaisa Merchant Payments

Easypaisa offers digital payment services and merchant solutions. Businesses should distinguish between accepting payments through a merchant product and simply displaying a personal wallet number on a website.

A proper merchant integration can offer a more structured payment experience, but its availability depends on the specific service and eligibility requirements.

Confirm the supported API or payment method, merchant charges, settlement process, and website integration options before implementation.

Best for: Businesses looking to serve customers who prefer Easypaisa, provided the required merchant service is available.

9. NIFT ePay

NIFT ePay is an e-commerce payment gateway offering associated with NIFT. The State Bank of Pakistan’s published authorized PSO/PSP list includes NIFT’s e-commerce payment gateway service.

Businesses should contact NIFT to confirm the current merchant onboarding process, supported payment instruments, pricing, technical documentation and integration requirements.

Best for: Businesses evaluating bank-connected payment infrastructure and e-commerce gateway services.

10. Bank-Operated Payment Gateways

Several commercial banks provide merchant acquiring or online card-payment services for eligible businesses.

Depending on the bank and product, these services may support online card acceptance, payment processing, and settlement into a merchant bank account.

Potential providers to investigate include HBL, Bank Alfalah, UBL and other banks offering suitable merchant services.

When comparing bank-operated gateways, request written confirmation of:

• Merchant eligibility
• Setup and transaction fees
• Card network support
• Settlement arrangements
• Refund and chargeback policies
• API documentation and technical support

Bank products differ, so do not assume that all banks offer the same checkout experience or payment methods.

Payment Gateway Fees in Pakistan: What Should You Compare?

Transaction fees are only one part of the total cost of accepting online payments.

A gateway with a low advertised percentage may still have other charges. Conversely, a provider with a higher transaction fee may offer integration features that reduce development and maintenance costs.

Compare these items before selecting a provider:

Example: Calculating the Cost of a Payment

Suppose a customer pays Rs 10,000 through a gateway that charges 2.9% plus Rs 30 per successful domestic card payment.

• Transaction amount: Rs 10,000
• Percentage fee: Rs 290
• Fixed fee: Rs 30
• Total gateway fee before applicable taxes: Rs 320
• Remaining amount before other deductions: Rs 9,680

This is an illustrative calculation based on the published Safepay standard domestic card rate cited above. It does not include any applicable tax or other merchant-specific deductions.

How to Choose a Payment Gateway for Your Website

The best option depends on your business model, customer base and technical setup.

For WooCommerce and WordPress

Look for an official plugin, compatible API, secure checkout flow, payment notifications and refund support. Confirm that the plugin is maintained and compatible with your installed WordPress and WooCommerce versions.

For Shopify

Check the payment providers currently available to Pakistani merchants and the precise integration type. An off-site checkout, an embedded payment form and a native Shopify Payments integration are not necessarily equivalent.

Do not assume that Shopify Payments or every third-party gateway is available to a business simply because it is available in another country.

For a custom website or mobile application

Prioritize official API documentation, SDKs, sandbox testing, webhooks and transaction verification. Never rely solely on a redirect or a success message displayed in the customer’s browser to confirm payment.

Your backend should verify the transaction using the provider’s approved verification method before fulfilling an order.

For subscriptions and SaaS

Check recurring billing, saved payment credentials, authorization requirements, failed-payment handling and cancellation workflows. A gateway that accepts one-time card payments may not support the subscription model you need.

For international customers

Accepting global credit cards from Pakistani websites involves distinct compliance, risk, and currency settlement factors. Here is how international payment options actually function for Pakistani businesses:

• Domestic Gateways with International Card Acceptance: Some local gateways, including Safepay may support international Visa and Mastercard payments. Safepay’s published pricing and the merchant’s applicable agreement should be checked for current international-card charges; do not assume domestic rates apply. However, international card acceptance is subject to provider risk assessment, fraud filtering, and merchant category underwriting. Confirm settlement currency, conversion rate (track daily interbank exchange margins at Dollar & Currency Rates in Pakistan Today), payout account, and State Bank incentives such as the Pasban Remittance Reward Scheme (PRRS) for eligible digital and export revenues.
• 2Checkout (Verifone): 2Checkout (Verifone) may be an option for eligible cross-border businesses, but current Pakistan eligibility and product availability must be confirmed directly with Verifone. However, merchant onboarding is subject to stringent underwriting. Approval depends on underwriting, business category, documentation, and current contract terms. Reserve percentages and holding periods are account-specific; do not assume a standard 10% reserve or 90-day hold.
• Stripe via Foreign Entity (US LLC / UK LTD): While Pakistani software exporters and global brands may establish an eligible foreign entity to access Stripe, simply registering a foreign legal entity does not guarantee account approval. Requirements depend on the country and business structure. Any foreign entity must meet Stripe’s current eligibility, representative verification, business-address, banking, and compliance requirements; forming an entity alone does not guarantee approval. Operating without genuine commercial substance or providing false residency details can lead to permanent account suspension and frozen funds.
• Payoneer: Payoneer is an international payout and B2B receivables platform, not a direct consumer credit card checkout gateway for Pakistani retail e-commerce stores. While it offers “Payoneer Checkout” to pre-approved high-volume international merchants in select jurisdictions, Pakistani sellers primarily use Payoneer to receive B2B billing payouts, freelance platform earnings, or marketplace distributions (e.g., Amazon, Upwork) rather than as a drop-in checkout button on a local WooCommerce or Shopify store.

Payment Gateway Registration Requirements in Pakistan

Merchant requirements vary by provider, business structure and risk category. The following is a general preparation checklist, not a universal list of mandatory documents.

You may be asked to provide:

1. CNIC or other accepted identity documentation.
2. Business name, address and contact details.
3. Business bank account details.
4. NTN or relevant tax-registration information.
5. SECP incorporation documents, where applicable.
6. Website or application URL.
7. Product or service descriptions.
8. Refund, cancellation, shipping and privacy policies.
9. Expected transaction volume and business model.
10. Additional compliance or verification documents.

Some providers may accept sole proprietorships, while others may have additional requirements. Ask for the current merchant onboarding checklist before spending money on integration.

A website should also clearly identify the business, explain its products and prices, provide working customer-support information, and disclose its refund and delivery policies where applicable.

How to Verify a Payment Gateway’s Regulatory Status

Pakistan’s payment-services regulatory framework includes the State Bank of Pakistan’s rules for Payment System Operators and Payment Service Providers.

The SBP publishes an official list identifying authorized PSOs/PSPs, their specified services, approval dates and relevant approval stages.

Official reference: https://www.sbp.org.pk/ps/PDF/List-PSOs-PSPs.pdf

The list available at the time of this research is dated November 5, 2025. Always check the latest official version before publishing or relying on a provider’s regulatory status.

Use the following verification process:

1. Find the provider’s legal company name, not just its brand name.
2. Locate that entity in the relevant official SBP list.
3. Check the specific service listed against the service you intend to use.
4. Distinguish commercial operations from pilot approval or in-principle approval.
5. Check the provider’s current terms and merchant documentation.
6. Contact the provider if its legal entity, approval status or service scope is unclear.

Company registration and payment-services authorization are not interchangeable. Likewise, regulatory authorization does not guarantee that every merchant will be approved or that every transaction will succeed.

Is Easypaisa and JazzCash Integration Available Through Every Gateway?

No. Support depends on the provider’s product and the merchant agreement.

Some payment platforms offer several methods through one integration. Others provide a specialized checkout or payment collection service.

Before signing up, ask whether both wallets are available under the same account, whether customers can complete payments directly through those wallets, and whether successful payments are confirmed automatically through the provider’s API or webhook.

If your business needs cards, Easypaisa, JazzCash and Raast, obtain a written list of the exact methods enabled for your account. Do not rely on a generic advertisement saying that a provider supports digital payments.

Common Payment Gateway Problems and How to Avoid Them

Payment marked successful but the order remains pending: Check the provider’s webhook configuration and server-side transaction verification.

Customers abandon checkout: Test the complete payment journey on mobile devices and reduce unnecessary checkout steps.

Settlement is delayed: Review the merchant agreement, settlement calendar, bank details and any reserve or compliance holds.

Unexpected fees appear: Compare your invoice with the signed pricing schedule and check taxes, refunds, disputes and international processing charges.

Plugin stops working after an update: Use maintained integrations, test updates on a staging website, and retain a documented rollback process.

Fraudulent payment notifications: Never fulfil an order based only on a screenshot, email, browser redirect or customer-provided transaction reference. Verify the transaction through the provider’s trusted system.

Frequently Asked Questions

Final Verdict

Choosing a payment gateway in Pakistan requires more than comparing brand names. A suitable provider should support your business model, offer the payment methods your customers need, provide a secure integration, disclose its charges and explain its merchant eligibility requirements.

For a developer-focused comparison, begin with Safepay’s published pricing and technical documentation. Also investigate PayFast, PayPro, NIFT ePay, bank-operated gateways and other relevant providers. Consider Paymob and other international platforms only after confirming their current local onboarding and product availability.

Before signing an agreement, compare at least two or three suitable providers and obtain their final pricing and settlement terms in writing.

Research note: Pricing, features and regulatory status can change. This guide uses official provider and regulatory sources where available. Confirm all material details directly with the relevant provider before making a business or financial decision.

Official Sources

• State Bank of Pakistan — Authorized PSOs/PSPs: https://www.sbp.org.pk/ps/PDF/List-PSOs-PSPs.pdf
• State Bank of Pakistan — Payment Systems Review FY2024–25: https://www.sbp.org.pk/PS/PDF/Annual-Payment-Systems-Review-FY25.pdf
• Safepay — Official pricing: https://getsafepay.pk/pricing
• Safepay — Official website: https://getsafepay.pk/
• PayPro — Payment gateway: https://paypro.com.pk/gateway/
• PayFast — Official website: https://gopayfast.com/
• Paymob — Official website: https://paymob.com/
• Google Search Central — Helpful, reliable, people-first content: https://developers.google.com/search/docs/fundamentals/creating-helpful-content
• Google Search Central — Spam policies: https://developers.google.com/search/docs/essentials/spam-policies