As the world continues to make progress in technology and bring ease to our everyday lives, Online Payment Gateways play the most crucial role to set the bar high. We live in an era where the hustles and bustles of our daily lives are cut short by providing our convenience and ease at our fingertips. 

You can find several online payment systems in Pakistan that can help you save time and transfer your money safely. Let’s have a look at the top 8 payment gateways that can assure safe and secure payment online. 

Payment Gateways in Pakistan 

The top 8 online payment gateways in Pakistan include the following. 

1. Easypaisa
2. JazzCash
3. Raast
4. PayPak
5. QisstPay
6. Upaisa
7. SadaPay
8. Konnect by HBL

Let’s dive straight into the details now. 

1. Easypaisa

Easypaisa or Telenor Microfinance Bank has made life a lot easier for the world around us. If you do not own a bank account, you can still create an Easypaisa account and transfer money to any bank account easily. 

Be it family support, education, business, credit card payment, online purchase, or medical and miscellaneous payments – Easypaisa has got it all for you. Apart from transferring money to other bank accounts, Easypaisa also provides an option for mobile top-ups as well as mobile network packages. In short, Easypaisa is the go-to app for almost every person around you. 

You can create your Easypaisa account easily by entering your ID card details and your contact number. Simply then add, send, and receive amounts to your Easypaisa wallet. 

With the latest update to the app, you can also avail your easypaisa debit card for PKR 500/- and enjoy first-hand experience on discounts on the partnered restaurants and shopping outlets around the country.

2. JazzCash

Like Easypaisa, JazzCash is another source of online payment systems where you can easily create an account through your ID card and mobile number. It is powered by Mobilink Jazz.

Once you have created an account on JazzCash, you can easily add, receive, and transfer amounts to various other online payment systems. JazzCash provides you with the options of online purchasing, funds transfer, mobile top-up, discounted mobile packages, ala carte shopping, as well as utility bill payment. No tax or transaction fee is deducted in the process.

Powered by Mobilink, JazzCash brings hands-on access to ease and comfort, all at your fingertips. You can also avail JazzCash Debit Card for PKR 599/- and get 20% cash back on your groceries. 

3. Raast

Raast payment is Pakistan’s first ever digital payment system that instantly connects businesses, individuals, and government organizations through end-to-end digital payments. 

Powered by the State Bank of Pakistan, Raast is Pakistan’s first platform that provides instant Digital Financial Services (DFS), through every leading bank in the country. It is safe, fast, reliable, simple, free of cost, and above all, you are provided with 24/7 customer support service to help you at any point. Moreover, there are no transaction charges when you deposit or transfer through your Raast ID. 

By creating a Raast ID, it is easier for others to transfer payments through your mobile number, rather than having to remember your account numbers or IBANS. 

To create a Raast ID, all you have to do is:

• Access the official channel of your bank account.
• Verify yourself and link your phone number with the account.
• Your bank account will instantly confirm your mobile number and it will be associated with your bank account as your Raast ID. 

4. PayPak

Next on our list is the PayPak debit card that allows people to access funds whenever and wherever. PayPak is the first domestic payment system in Pakistan that is operated by 1LINK and was launched by the State Bank of Pakistan. 

Through their PayPak debit card, customers can easily access the funds in their accounts. PayPak debit cards are accepted at all ATMs across the country. One great advantage is that you can get various discounts at different restaurants, shopping malls, online shopping, and various e-commerce malls. 

The method of transaction through PayPak is safe, secure, and reliable so you can rest easy about personal information being mishandled. The debit card chip ensures extra safety by giving you options of contactless and with contact payments. 

PayPak can be accessed through any bank account that you own. PayPak is a convenient payment solution with low annual charges. Get your PayPak ATM card today, and enjoy all the benefits and discounts on the go.

5. QisstPay

Being Pakistan’s first and largest platform for “Buy Now, Pay Later”, QisstPay allows you to purchase your preferred item for 4 to 8 months in interest-free monthly installments. This makes it easier for people to manage their budget and pay for their item(s) gradually every month. 

QisstPay was founded in mid-2021, and since then people have benefitted from the online payment system. 

It works in three simple steps that include:

• Select your favorite stuff and at checkout choose how you’d link to pay for it.
• Receive your product at your doorstep and pay in the time span of installment interest-free, that too with a zero markup plan.
• Pay at ease later for all your favorite stuff by linking your debit card details. 

6. UPaisa

Partnered by Ufone, UPaisa is a branchless microfinance bank where you can easily make transactions to and from your account, receive payments, purchase stuff online, pay utility bills and phone packages, as well as avail discounts on the app.

Through UPaisa wallet, you can easily manage your funds with a single tap. Any network user can create an account on the UPaisa wallet, and become a branchless account holder to share and manage funds as well as transactions. Get your UPaisa debit card for PKR 399/- today and avail all the premium features.

No doubt, online payment systems have made our lives very manageable. 

7. SadaPay

SadaPay brings premium financial services to Pakistan. You can easily manage and share funds through SadaPay to all the bank accounts and e-wallets throughout Pakistan.  

You can avail free MasterCard debit card for cash withdrawal on SadaPay. With SadaPay you say goodbye to long waiting hours, transfer funds instantly, withdraw wherever and whenever you like without any fee, and spend and enjoy your life to the fullest. No need to pay hefty amounts traveling to the banks anymore.

You can put your trust in SadaPay for its safe and secure payment options. You can access your account through biometric verification, your data is secured through end-to-end encryption, and the app has an AI fraud detector function included as well. 

You can avail SadaPay ATM card for zero charges. It offers you no transaction fee for 3 transactions per month. After those 3 tries, you are charged 18.75 PKR fee charges only.

Safe to say, SadaPay Pakistan is one of its kind of online payment services available in Pakistan.  

8. Konnect by HBL

Making life simpler and easier, Konnect by HBL brings to you a stop solution to help you manage your funds effectively. 

Similar to Easypaisa and JazzCash, Konnect by HBL is a branchless banking system where you can create your account and be in charge of governing your funds. You can create your account on Konnect in three ways:

• Through Konnect Mobile App
• Through Konnect Shop
• Through SMS

You can avail Konnect debit card for PKR 500/- only. The transaction fee charges differ from amount to amount. The transaction fee costs Rs. 45 – Rs. 490 per transaction, depending on the amount.

Benefit Through the Online Payment Systems in Pakistan

No doubt, online payments and online banking in Pakistan have made it easier for people to pay through e-wallets and manage their funds at their fingertips. No need to travel to banks or wait in line to wait for your turn. 

If you haven’t already, create your account on one of the above-mentioned digital payment systems today and enjoy your benefits.