A payment gateway ensures smooth transactions of digital payments securely. We have compiled a list of payment gateways in Pakistan that can help vendors receive online payments. Read about banking and FinTech solutions and find the best payment gateway.
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Digital Payments Market Growth In Pakistan
Online payments and digital wallets are gaining popularity in Pakistan since the beginning of the pandemic.
In the eCommerce market, user penetration is set to reach 24.2% in 2023 and is projected to increase to 27.3% by 2027.
Pakistan ranks as the 46th largest eCommerce market globally, and its predicted revenue is expected to reach US$5,601.1 million by 2023, surpassing Romania.
The projected value of digital payment transactions for 2022 in Pakistan is US$8.13 billion. This is only the tip of the iceberg as it’s expected to grow with an annual growth rate of 16.80% from 2022 to 2027.
The digital commerce industry of Pakistan has the most significant share in this. The country’s eCommerce industry has a transactional value share of US $7.48 billion as of 2022.
The Mobile POS Payments market transaction value is forecasted to reach US$1.67 billion by 2027.
The revenue in this sector is poised to exhibit an annual growth rate (CAGR 2023-2027) of 5.93%, resulting in a projected market volume of US$7,284.00 million by 2027.
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Best Payment Gateways For E-commerce Businesses In Pakistan
The demand for more accessible and secure transaction processing is on the rise with the emergence of the eCommerce industry. This has become the centerpiece of eCommerce and a prime focus for both entrepreneurs and Pakistani customers. Online businesses such as eCommerce stores, travel reservations, and online bookings seek payment gateways in Pakistan to receive payments from their customers.
We have enlisted the best payment gateways in Pakistan for eCommerce businesses that are most suitable in 2023.
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List of Payment Gateways Managed by Banks in Pakistan
A bank is the very first medium for many regarding trade and transactions. Below is a list of renowned Pakistani banks offering and facilitating online payment gateways.
Give Your Customers The Best Checkout Experience!
Seamless payments through partnerships with HBL, Alfalah, Meezan, & MCB
Bank Alfalah is a market leader when we discuss payment gateways in Pakistan. The bank is offering arguably one of the smartest and most innovative online payment processing solutions in Pakistan. Alfa Payment Gateway allows vendors to accept online payments across the country securely.
Key Features of Alfa Payment Gateway
No setup or annual fee
PCI-DSS compliant platform
3D Secure for maximum security
Instant merchant account and integration plugins
Unique vendor dashboard with extensive reporting
Facilitates online management of refunds and chargebacks through merchant portal
Multi currency option for customers to pay in their preferred currency
Alfa Payment Gateway has 7 Payment Facilitators onboard including JazzCash and Easypaisa
The unique Pay by Link tool enables merchants to accept payments without any integration. This makes it the best payment gateway in Pakistan for vendors who don’t have websites or mobile apps. Customers can pay merchants by link without requiring any integration.
MCB Bank Limited
With over 1200+ branches nationwide, MSC Bank is one of the largest private sector banks. To facilitate merchants and the eCommerce industry, MCB provides a safe payment gateway as well. The bank offers a secure online card processing service referred to as MCB eGate. It is intended to deliver a smooth online shopping experience to merchants and cardholders.
Using MCB digital payment, cardholders can buy products, items, or services through the merchant’s website in real-time. The digital payment service comes with a 3D secure solution that is supported by MasterCard Internet Gateway Services (MIGs).
Key Features of MCB eGate
PCI-DSS compliant for maximum security
Best uptime for high reliability
Quick and easy integration process
Merchant Portal that displays transaction history and details
Support from the Fraud Risk Management team to inspect and investigate suspected fraudulent activities
Full-time local support
Habib Bank Limited
Habib Bank Limited (HBL) is another leading commercial bank that has a vast customer base. The bank has a reputation for facilitating the unbanked population of Pakistan and is now striving to simplify digital payments.
HBL’s eCommerce Checkout Solution enables merchants to go fully digital. They can link their Facebook shops, mobile apps, and online web stores to receive payments online. Vendors can accept digital payments through Debit, UnionPay, MasterCard, and Visa cards. This means sellers can receive payments directly when buyers use local or international cards on their websites.
To enhance the safety of digital transactions, HBL’s Internet Payment Gateway uses the 3D-Secure platform. What’s more intriguing is the built-in fraud management tools that provide an extra layer of security.
Key Features of HBL’s Internet Payment Gateway
PCI-DSS certified payment gateway
Easy to connect with a website or page
Secure payment acceptance through website and mobile application
Direct credit into HBL account
A dedicated Merchant Portal that displays and provides access to features like transaction history, search, refunds, and reports
(This means merchants don’t have to rely on external Fraud Management Modules. The tool can help vendors detect fraud patterns through more than 260 variables including the user’s address, velocity, BIN, and IP as well as device fingerprinting. It is globally used by large enterprises such as Virgin Airlines, Emirates Airline, etc.)
Vendors can brand their payment pages (business’s logo, unique colors, header or footer) to offer a unique branded experience to customers.
Multi currency support allows customers to pay in their preferred currency
Repeat transactions feature enables regular customers to use their information feed, again and again.
Vendors can get customized Customer Reports through over 300 available fields for marketing analysis
United Bank Limited
United Bank Limited (UBL) is another big player in the banking sector that provides an online payment gateway in Pakistan. In fact, the bank is a pioneer in the local financial industry and has been offering digital payments since 2013. UBL’s digital payment solution is also supported by Etisalat UAE.
With the UBL e-Commerce Payment Gateway
, vendors can easily receive online payments. All you need to do is open your merchant account by signing up and you will be ready to receive payments right away.
Key Features of e-Commerce Payment Gateway
3D Secure for maximum safety
PCI-DSS Certified Secure Platform
Seamless adjustment with integration plugins
Optimizes payment page to improve user experience (desktop and mobile screens)
API’s and Inline checkout ensures frictionless payment experience
3DS Tokenization securely saves card information
Provides safety against fraud risk exposure through Fraud Guard
Multiple payment options including credit and debit cards as well as direct debit
The innovative payment tool, e-Invoicing enables vendors to receive online payments without any payment gateway integration. This is an incredibly useful tool for sellers who operate online businesses over social media.
Comparison of Banking Gateways Charges
Here is a charge summary and comparison of different payment gateways in Pakistan.
Recurring Fee per Year
Merchant Discount Rate
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List of Payment Gateways Managed by FinTechs in Pakistan
Banks aren’t the only option when we talk about digital payments in Pakistan. There are some FinTech companies as well that are viable payment gateway providers in Pakistan.
JazzCash is without any doubt the most commonly used online payment gateway in Pakistan. It’s popular among individual users as well as small and medium businesses for online transactions. Over the years, the JazzCash Company has seen exponential growth with about 10 million active monthly users.
This FinTech payment gateway is managed by the telecommunication company Jazz (previously known as Mobilink). It offers a smooth experience and provides a safe and secure online payment solution to businesses. Vendors and customers can create their accounts using their mobile numbers and CNIC numbers within a few minutes.
Vendors can opt for the JazzCash Corporate Package to receive payments. You can also get a unique QR code for your business in case you want to make the transaction process smoother. Through JazzCash, businesses can send and receive payments from different methods including cards, mobile accounts, and direct debit options.
Pakistan’s first online payment gateway, EasyPaisa was launched by Telenor in 2009. With more than 25 million registered wallets, EasyPaisa has 8 million active users as of 2021.
The service provides instant access to reliable digital financial services and allows users to transfer cash within minutes. It is most commonly used as an online payment gateway in Pakistan for supply chain payments, cash management, and salary payments. A number of large enterprises including Seed Out, Daraz, Bykea, HumMart, and Ubar are using this payment solution.
Easypaisa has a simple registration portal and offers easy integration. What makes it unique is its seamless onboarding process and great assistance for customers.
XPay Payment Solution
XPay is a hassle-free and secure omnichannel payment solution for all platforms. It’s a dedicated solution and arguably the best payment gateway in Pakistan right now for vendors and businesses. You don’t have to follow lengthy steps for registration or provide unnecessary information.
The onboarding process is seamless and swift and the solution offers integrated payments that work across all sales channels.
XPay is PCI-DSS certified which means you are covered by globally recognized security standards. Your customer data and financial information will remain secure and unbreachable. Then there are multiple payment options including bank transfer, card, wallet and BNPL. But the best feature of XPay is perhaps its charging policies.
There are no hidden fees or integration charges and you only have to pay as per your usage. So you’ll pay as you go by following the usage-based pricing model. Its end-to-end encryption and suspicious transaction alert features make it the best payment gateway in Pakistan for businesses.
This is another Fintech payment gateway that offers a one-click checkout solution. It is also a PCI-DSS compliant solution and you can easily integrate it.
The online payment solution offers APIs for easy integration and allows you to accept payments through multiple methods. The pricing of bSecure varies from business to business depending on their needs. Right now, the company has three different pricings i.e. one-page, multi-page, and custom.
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Comparison of FinTechs Companies Charges
Below is a comparison of the charges of different FinTech payment gateways in Pakistan.
Payment Limits (per month)*
Up to 400,000
Up to 200,000
Depends on your package
Depends on your package
Merchant Discount Rate
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XPay Payment Solution: A Gateway For All Your Customer Needs
There are several dangers involved with payment gateways and digital solutions. Not only you have to ensure the security of the information but also have to improve the online customer experience. This is where XPay stands tall and gives you an edge over your competitors.
XPay provides businesses with:
State of the art admin panel and customer experience UI/UX
BIN Based discounts excluding items that are on sale
Instantaneous custom payment link to receive payments from your customers
Complete and partial refunds to your customers instantaneously
Settlement reports received from your bank and mark them as settled
Keep your customers updated with emails about payment status
Offering customized date/time reports for reconciliation
Keep a unified view of the all the payment channels
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XPay Integration with Payment Gateways
Integrations are what give XPay an advantage over Bank payment gateways and FinTech payment solutions. Vendors tend to integrate their online retail businesses with local Pakistani banks and XPay provides you with that.
Businesses can connect their websites, apps, and/or social media shops with all major banks such as HBL, ALfalah, Allied Bank, MCB, and more. Furthermore, you can integrate with local FinTechs like EasyPaisa and JazzCash as well as Stripe, and other international FinTech payment solutions.
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XPay Integration with eCommerce Platforms
Another distinctive feature of XPay is integration with third-party eCommerce platforms. Businesses can connect XPay with their Shopify store, or Custom Websites. You can easily set up XPay with any eCommerce platform and start receiving payments in your selected or multiple currencies.
XPay: The No. 1 Shopify Payment Gateway in Pakistan
In the rapidly expanding realm of e-commerce, where convenience and security are paramount, selecting the right payment gateway can make or break a business. For Shopify merchants in Pakistan, the quest for the best payment gateway ends with XPay. Renowned as the top choice among e-commerce entrepreneurs.
Why Choose XPay for Your Shopify Store in Pakistan?
Unparalleled Security Measures: When it comes to online transactions, security is non-negotiable. XPay takes this responsibility seriously, adhering to the highest standards of security with its PCI DSS compliance. Merchants and customers can engage in transactions with peace of mind, knowing that their sensitive data is in safe hands.
Simplified Transactions with Exclusive BIN Discounts: XPay's commitment to merchant success shines through its exclusive BIN discounts. This means that businesses can enjoy reduced transaction costs, translating into higher profit margins and a competitive edge.
Bid Farewell to Exorbitant Costs: High transaction fees can put a dent in a business's profits. XPay, however, prioritizes affordability by offering competitive rates that allow businesses to maximize their revenue.
Transform Your Payments Journey with XPay
Cost-effective payment solution for Shopify Stores
Effortless Payment Link Generation: Flexibility is key in the world of e-commerce. XPay empowers merchants to generate payment links seamlessly, whether it's for invoicing or catering to custom orders. This feature ensures a smooth and convenient checkout experience for customers.
Swift Deposits to Your Bank Account: In the fast-paced world of business, quick access to funds is essential. XPay ensures swift direct bank account deposits, minimizing delays and enhancing cash flow management.
Seamlessly Onboard and Elevate Your Business: XPay believes in eliminating obstacles on your path to success. With a seamless onboarding process, integrating XPay with your Shopify store becomes a breeze, enabling you to focus on what truly matters – growing your business.
Trusted by Industry Leaders: The mark of a dependable payment gateway lies in the trust it garners from leading businesses. XPay boasts partnerships with esteemed industry leaders such as Bonanza, Ego, PriceOye, and more than 50 other retailers. This widespread trust speaks volumes about XPay's credibility and effectiveness.
Experience the XPay Difference – The No. 1 Shopify Payment Gateway in Pakistan
In the bustling world of e-commerce, making the right choice can propel your business to new heights. With XPay as your Shopify payment gateway in Pakistan, you're choosing security, affordability, and convenience all in one package. Embark on a transformative journey, replete with seamless transactions, enhanced security, and delighted customers.
The title of the No. 1 Shopify payment gateway in Pakistan isn't bestowed lightly. It's earned through a commitment to excellence, innovation, and unwavering support for businesses in their quest for success. Choose XPay and experience the difference for yourself – a difference that sets you apart in the dynamic world of e-commerce.
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Which payment method is best in Pakistan for Shopify?
Shopify allows businesses to accept payments from their customers in their local currency. There are a number of digital payment methods that you can use to receive cash. However, the best among all right now is XPay. It’s an omnichannel payment solution that is PCI-DSS certified and can be integrated with cards, mobile wallets, and other methods.
How can we integrate online payments in Pakistan?
You can integrate online payments in Pakistan through plugins and APIs. Almost all payment gateways are integratable with websites and mobile apps. In case you are looking for an easy-to-use payment solution for all devices and channels including social media, XPay is the best payment gateway in Pakistan.
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Best Online international payment methods in Pakistan
The best online international payment methods in Pakistan are:
Finding the best payment gateway in Pakistan that meets your business needs may become hectic. One may get lost in the technicalities and features as there are so many options available. So we have included only the best in our list of payment gateway in Pakistan.
In case you are looking for an all-in-one, hassle-free payment gateway, XPay stands out among the rest. It is PCI-DSS certified and easy to integrate with websites, apps, third-party eCommerce platforms, and social media pages. So your data will remain safe and secure while you’ll get instant notification whenever a purchase is made or payment is received.
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