Pakistan Payment Gateways (2026 Fees & Setup Guide)
Complete comparison of transaction fees (MDR), JazzCash, EasyPaisa, Safepay, PayFast, Alfalah Alfa, Raast & HBL Pay. Compare setup costs, settlement times & Shopify integration.
Interactive Gateway Filter
Select your platform stack and primary business priority to filter recommendations.
Safepay
PSP (Payment Service Provider)
Online sign-up, CNIC, Business bank account, NTN is optional for basic sandboxes but required for full corporate payout activation.
Modern JSON REST API, JWT auth, Webhook handlers. Sandbox testing active out-of-the-box.
// Safepay Checkout Session Init
fetch('https://api.getsafepay.com/v1/checkout', {
method: 'POST',
headers: {
'Authorization': 'Bearer <YOUR_SECRET_KEY>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 150000, // PKR in cents (Rs. 1500.00)
currency: 'PKR',
redirect_url: 'https://yourstore.pk/callback'
})
})PayFast
PSP / PSO (State Bank Licensed)
CNIC, NTN / Business Registration documents, Active bank account. Smooth SBP compliance check.
Redirect hosted page checkout. Sandbox testing via merchant dashboard credentials.
// PayFast Signature Generation
const crypto = require('crypto');
const signature = crypto
.createHmac('sha256', SECRET_KEY)
.update(merchantId + orderId + amount)
.digest('hex');JazzCash Business
Mobile Wallet IPG
Initiated digitally via JazzCash Business App using CNIC. Biometric verification is required for full limits.
Hosted Checkout V2.0 redirection, Mobile SDK integration, HTTP POST secure form payloads.
<!-- JazzCash POST Checkout Form --> <form action="https://sandbox.jazzcash.com.pk/customer/pay" method="post"> <input type="hidden" name="pp_MerchantID" value="MC12345" /> <input type="hidden" name="pp_Amount" value="50000" /> <input type="submit" value="Pay with JazzCash" /> </form>
Easypaisa Merchant
Mobile Wallet IPG
Online Easypaisa merchant portal submission. Biometric validation, NTN (preferred but wallet accounts can start basic).
OTC Checkout API, Mobile Account wallet pull API, Redirection hosted checkouts.
// Easypaisa Wallet Push API request
const payload = {
orderId: "ORDER-88291",
transactionAmount: "2500.00",
mobileMSISDN: "03457841406",
emailAddress: "info@yourstore.pk"
};Alfa Payment Gateway
Bank Gateway (Alfalah)
Instant Merchant Account (up to Rs. 500k/mo limit via digital signup, CNIC). Corporate Account requires NTN and bank audit.
Direct integration APIs, redirection checkouts. Plugins for WooCommerce, Shopify, and Magento.
// Alfa Init Transaction Request
const requestData = {
HS_StoreId: "STORE-9921",
HS_Amount: "4500.00",
HS_TransactionReference: "TXN10291",
HS_SecureHash: "SHA512-generated-hash"
};HBL Pay
Bank Gateway (HBL IPG)
Must hold a corporate HBL account. Standard registration, pricing negotiation, signed legal contract.
Cybersource merchant API (Visa Inc. platform backend). Supports secure multi-currency checkouts.
// HBL CyberSource API Authentication Header
const headers = {
'v-c-merchant-id': 'hbl_merchant_id',
'Signature': 'Base64KeySignedPayloadString'
};Raast P2M API
State Bank Instant Rail
Must register for Raast P2M via a corporate partner bank or licensed EMI (Easypaisa, JazzCash, Nayapay).
ISO 20022 format messages, Dynamic/Static QR API endpoints. Real-time webhook push on payment credit.
// Raast Dynamic QR Generator API payload
const qrPayload = {
merchantRaastId: "923457841406",
merchantName: "Website Pakistan",
amount: "1500.00",
billNumber: "INV-299182"
};State Bank of Pakistan (SBP) Compliance Guide
All digital payment merchants in Pakistan must comply with standard KYC protocols. SBP categorizes merchant accounts based on business setup:
Digitally verified CNIC and biometric verification via smartphone app. Excellent for freelancers and startup shops.
Requires CNIC, business address proof, NTN certificate, and bank account in business/proprietor name.
Requires SECP incorporation certificate, partnership deeds, NTN, audited financial bank declarations, and corporate bank integration.
Frequently Asked Questions
Raast P2M is the cheapest payment rail in Pakistan, capped at 0% to 0.25% acquiring fees. Bank Alfalah Alfa is also very cost-effective for account-to-account payments (0%). PayFast offers highly competitive rates with 0.60% for Raast QR and 2.2% for wallet checkouts.
PayFast is an SBP-regulated payment gateway offering multi-channel checkout in Pakistan. It supports Raast Dynamic QR (0.60% MDR), mobile wallets like JazzCash and EasyPaisa (2.2%), and Visa/Mastercard (2.95%). It integrates natively with Shopify, WooCommerce, and custom web portals.
Yes. Instant/Wallet merchant profiles (like JazzCash Business or Bank Alfalah Instant Merchant) allow registrations using a CNIC and biometric confirmation, capped at processing up to Rs. 500,000 per month.
Instant/wallet accounts approve in 24 to 48 hours. Secure merchant services (Safepay, PayFast) take 3 to 7 working days. Corporate banking portals (HBL IPG, full Bank Alfalah) can take 2 to 3 weeks due to compliance audits.
Safepay and PayFast provide ready-to-use native Shopify integrations for Pakistani merchants. Bank Alfalah Alfa also supports Shopify. Direct JazzCash and EasyPaisa wallets are best accepted via Safepay or PayFast aggregators on Shopify.
Confused by API Integrations & Webhooks?
Integrating bank gateways, mobile wallets, and signature checks requires developer expertise. Let our technical web team handle the setup for you.