Payment Gateways in Pakistan
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Which are the Best online payment gateways in Pakistan?

A major factor in the growth of Pakistan’s e-commerce sector is the availability of secure payment gateways. Finding

Best Payment Gateway options for Pakistani E-Commerce is a common challenge for companies offering goods and services for sale on the web.

In light of this, we have compiled a list of the top payment gateways in Pakistan in order to assist you in making a well-informed decision.

First, though, it’s important to have a basic understanding of what a payment gateway is and how it operates.

What is a payment gateway?

An online payment gateway is a service that allows companies and private users to accept payments. The customer can enter their payment information securely on the merchant’s website, and it serves as a bridge between the merchant’s website and the payment processor, sending the information to the latter for processing. This enables companies to accept payments from clients via the internet using credit cards, debit cards, or other online payment methods.

Security precautions are frequently included in payment gateways to safeguard sensitive payment data and aid in preventing fraud.

Why do we need a payment gateway?

Because it offers a safe means for businesses to accept payments online, a payment gateway is a crucial part of an online payment system. Customers would have to give the merchant their private payment information directly without a payment gateway, which could leave it open to theft or fraud. By encrypting the payment information and sending it directly to the payment processor for processing, a payment gateway adds an extra layer of security.

By doing this, both the customer and the business are better protected against fraud and other security risks. A payment gateway can also offer additional helpful features, such as the capacity to handle recurring payments and process refunds. Overall, a payment gateway is an important tool for businesses that want to accept online payments safely and securely.

What factors to look for in the best payment gateway?

There are a number of things to take into account when picking a payment gateway to make sure you make the best decision for your company. The following are some essential qualities to look for in a payment gateway:


To safeguard sensitive payment information and stop fraud, the payment gateway should offer robust security measures.


The payment gateway ought to charge reasonable, transparent transaction fees that are competitive.

User-friendly and integrated with your website or online store, the payment gateway should be simple to use.

Customer service:

The payment gateway should provide dependable customer service to assist you with any queries or problems you might have.

Payment options:

The payment gateway ought to accept a variety of payments, including those made with credit cards, debit cards, and other widely used online payment systems.


The payment gateway needs to be able to handle a large number of transactions and expand with your company.

Integration with other systems:

The payment gateway should be able to connect with your other business applications, such as your CRM or accounting software.

You can select a payment gateway that will best serve your company’s needs and enable you to securely and effectively accept online payments by taking into account these factors.

Best Payment Gateway options for Pakistani E-Commerce

It is time for you all to start looking for a reliable payment gateway in Pakistan that you can collaborate with now that you have a fundamental grasp of what a payment gateway is and some pointers on how to select the finest payment gateway in Pakistan. The following is a list of the top payment gateways in Pakistan, followed by an examination of each option with regard to the many categories in which it falls.

1. PayFast

Businesses in Pakistan can quickly and securely accept payments from customers thanks to PayFast, an online payment gateway. Businesses can accept a variety of payment options through PayFast, including bank transfers, debit cards, and credit cards. Customers can easily pay for goods and services online thanks to this, and businesses benefit from the prompt payment.

Utilizing PayFast has a number of advantages, one of which is its emphasis on security. Sensitive payment information is protected by the payment gateway using cutting-edge encryption, which also helps to thwart unauthorized transactions. Customers can shop with confidence when paying online thanks to this, which also helps businesses lower their risk of fraud.

PayFast provides a variety of helpful tools and resources for businesses in addition to its security features, competitive transaction fees, and security features. This includes helpful customer support, easy integration with other business systems, and thorough reporting. With the help of these features, businesses can easily manage and keep track of their online payments and give their customers a seamless payment experience.

In general, PayFast is a trustworthy and practical payment gateway choice for companies in Pakistan. It provides robust security, affordable fees, and a variety of practical features to assist businesses in accepting online payments effectively and efficiently.


2. QistPay

QistPay is a payment gateway provider that offers a range of online payment solutions to businesses in Pakistan. Some of the key features of QistPay in Pakistan include:

  1. Accept a range of payment methods: QistPay allows businesses in Pakistan to accept a range of payment methods, including credit cards, debit cards, and mobile wallets. This makes it easy for customers to pay for goods and services online, and for businesses to receive payment in a timely manner.

  2. Competitive transaction fees: QistPay offers competitive transaction fees, which helps to keep costs low for businesses and make online payments more affordable for customers.

  3. User-friendly interface: QistPay has a user-friendly interface that makes it easy for businesses to integrate the payment gateway into their websites and online stores. This allows businesses to provide a seamless payment experience for their customers.

  4. Advanced security measures: QistPay uses advanced encryption and fraud prevention technologies to protect sensitive payment information and help prevent unauthorized transactions. This gives customers peace of mind when making payments online, and helps businesses to reduce the risk of fraud.

  5. Detailed reporting and integration with other systems: QistPay offers detailed reporting and easy integration with other business systems, such as accounting and CRM software. This makes it easy for businesses to manage and track their online payments.

Overall, QistPay offers a range of useful features for businesses in Pakistan that want to accept online payments from customers. Its focus on security, competitive fees, and user-friendly interface make it a reliable and convenient payment gateway option.

3. Bank Alfa Payment Gateway

With over 600 locations in more than 200 cities around Pakistan and a presence in Bangladesh, Afghanistan, Bahrain, and the United Arab Emirates (UAE), Bank Alfalah is the sixth biggest private bank i Pakistan. The Abu Dhabi Group is the owner and manager of the Bank. In 2014, Bank Alfalah collaborated with the World Bank’s International Finance Corporation (IFC), which now owns 15% of the bank.

In Pakistan, Bank Alfa is a commercial bank that provides both individuals and businesses with a variety of financial goods and services. Bank Alfa provides traditional banking services as well as an online payment gateway that enables companies to quickly and securely accept payments from customers.

Modern payment processing is at your fingertips with Alfalah’s Online Payment Gateway, which is supported by MasterCard Payment Gateway Services (MPG). Customers can accept credit card payments via their sites and mobile apps.

The demands of small and medium-sized firms, as well as those of sole proprietors, are all catered to by Alfa Payment Gateway. It allows businesses in Pakistan to accept a range of payment methods, including credit cards, debit cards, and mobile wallets or Direct Link Payments. 

4. HBL Payment Gateway

One of the most successful commercial banks in Pakistan, Habib Bank Pakistan (also known as HBL Pakistan) has a client base that numbers close to 27 million individuals.

This bank is well-known in Pakistan as a payment gateway due to the high degree of security it provides to its clients, therefore safeguarding them from fraudulent transactions. On the other hand, it has a few drawbacks, the most notable of which are the lengthy periods required to begin making online card payments and the increased fees that its clients would be expected to pay when making online payments.

When it comes to the most reliable online payment gateways in Pakistan, Habib Bank has provided its customers with straightforward and uncomplicated methods of conducting business, regardless of whether those customers are transacting via websites, eCommerce stores, mobile applications, or social networking sites like Facebook and Instagram.

5. Jazz Cash Payment Gateway

JazzCash provides a payment solution that is safe, flexible, and easy to integrate into your website or mobile application. Their cutting-edge technology is being utilized by hundreds of online companies in order to process customer payments made through the internet.

Allowing Their consumers to select from the many different payment options available (see below) is a great way to improve their overall experience with your company.

Cards for debit or credit Mobile Account Vouchers and Direct Debit Transactions are acceptable.

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