Top 10 Payment Gateways in Pakistan

Pakistan’s digital economy is rapidly growing, and businesses are increasingly seeking reliable payment gateways to accept online payments. Whether you’re a small e-commerce store owner, a freelancer getting paid from abroad, or a large enterprise, choosing the right payment gateway is crucial. In this article, we explore the top 10 payment gateways in Pakistan, from traditional bank-backed solutions to modern fintech platforms, and how they cater to local needs.

#1 Bank Alfalah – XPay Payment Gateway

Bank Alfalah is considered the market leader in Pakistan for online payment gateways. It offers a robust Internet Payment Gateway that allows merchants to accept payments via major credit and debit cards. Notably, Bank Alfalah has partnered with fintech company XStak to introduce XPay, an on-site payment solution that integrates directly with e-commerce platforms like Shopify and WooCommerce. This combination provides businesses a seamless checkout experience without redirecting customers off-site, which helps improve conversion rates.

The Alfalah XPay gateway supports multiple payment methods – from local and international cards to mobile wallets – all on one platform. With high acceptance rates and features like 3D Secure authentication, it ensures secure transactions for merchants and customers alike. Bank Alfalah’s gateway has no setup fee, and the XPay integration adds modern capabilities such as embedded checkout and subscription billing. This makes it a top choice for local businesses looking for a Stripe-like solution in Pakistan, especially for online stores aiming to streamline payments.

#2 Habib Bank Limited (HBL)

Habib Bank Limited is one of Pakistan’s largest banks, serving over 27 million customers nationwide. HBL’s e-commerce payment gateway enables merchants to go fully digital by accepting payments on websites, mobile apps, and even social media shops. Vendors can accept a wide range of card payments through this gateway, including Visa, MasterCard, UnionPay, and local debit cards, allowing both local and international customers to pay easily.

Security is a strong point of HBL’s gateway – it uses 3D Secure protocols and comes with built-in fraud management tools to protect transactions. Businesses receive funds directly into their HBL merchant account, and a dedicated portal lets them view transaction history, process refunds, and generate reports. HBL’s long-standing reputation and security features make it a dependable choice for medium to large businesses that want a bank-backed solution for online payments.

#3 United Bank Limited (UBL)

United Bank Limited has been a pioneer in digital payments in Pakistan, offering one of the first internet payment gateways as early as 2013. UBL’s eCommerce Payment Gateway allows merchants to quickly start accepting online payments by simply opening a UBL merchant account and integrating the gateway on their website. The system supports all major debit and credit cards and provides a smooth checkout experience for customers.

UBL’s gateway emphasizes convenience and safety. It is PCI-DSS certified and supports 3D Secure verification for card transactions, ensuring that customer data is protected. The bank also introduced innovative features like e-Invoicing, which lets sellers generate payment links or invoices to receive online payments without a full website integration. This is especially useful for freelancers or social media sellers who want to get paid online securely. With UBL’s large network and reliable service, its payment gateway is a solid option for businesses looking to tap into online transactions.

#4 MCB Bank (MCB eGate)

MCB Bank is a major private bank in Pakistan with a strong financial presence. MCB offers an online payment gateway known as MCB eGate, which is designed to provide a smooth shopping experience on merchant websites. Through MCB eGate, businesses can accept payments from customers’ debit and credit cards in real time, with transactions processed securely via MasterCard’s Internet Gateway Service (MIGS) infrastructure.

The MCB eGate solution is built with security and reliability in mind. It’s fully PCI-DSS compliant and uses 3D Secure authentication to minimize fraud risk. Merchants benefit from a user-friendly portal where they can track transaction history and manage refunds or disputes. MCB also provides dedicated support and fraud risk management teams to assist merchants. This gateway is ideal for established businesses and e-commerce stores that prioritize having a stable, bank-supported platform handling their online card payments.

#5 Meezan Bank

Meezan Bank, the country’s leading Islamic bank, has recently expanded into digital payments by launching its own online payment gateway alongside point-of-sale (POS) machines. Meezan’s gateway allows merchants to accept payments on their websites while adhering to Shariah-compliant banking principles. This solution supports both local and international card payments and even new methods like mobile tap-to-pay, bridging traditional Islamic banking with modern cashless transactions.

One of the key advantages of Meezan Bank’s payment gateway is its appeal to businesses and customers seeking Shariah-compliant services. It offers advanced fraud protection and secure processing, similar to other bank gateways, but with the assurance that transactions align with Islamic finance guidelines. Meezan also provides full-time local support to assist merchants in integration and operations. For many retailers and online businesses who prefer an Islamic banking partner, Meezan’s payment gateway offers a trustworthy and technologically up-to-date option.

#6 JazzCash

JazzCash is a popular mobile wallet and online payment service operated by one of Pakistan’s leading telecom companies. Technically a branchless banking service, a JazzCash account is linked to your mobile number, effectively functioning like a digital bank account. With over 9 million monthly active users as of 2025, JazzCash has become a ubiquitous payment method for day-to-day transactions. For online businesses, JazzCash offers a payment gateway that allows merchants to accept payments from customers via the JazzCash app or through card transactions processed by JazzCash.

Small businesses and freelancers benefit greatly from JazzCash’s ease of use and widespread adoption. The platform enables quick transfers, bill payments, mobile top-ups, and even e-commerce payments. Merchants can integrate JazzCash into their online stores (for example, via APIs or plugins) so that customers can pay using their JazzCash wallet or credit/debit cards. Because many Pakistanis without credit cards use mobile wallets, offering JazzCash as a checkout option can significantly expand a store’s customer reach. Its merchant portal provides real-time transaction monitoring and easy reconciliation, making it convenient for business owners to track their sales.

#7 Easypaisa

Easypaisa is Pakistan’s first and one of the most widely used mobile money services, launched in 2009 by Telenor. It pioneered digital wallet services in the country and has around 7.4 million active users as of 2025. Beyond person-to-person transfers, Easypaisa provides online payment gateway solutions for businesses. This means online merchants can integrate Easypaisa as a checkout method, allowing customers to pay directly from their Easypaisa wallets or via other methods facilitated by Easypaisa.

One major advantage of Easypaisa’s gateway is the simplified onboarding for merchants. Businesses (even sole proprietors) can sign up through an online portal without the need to open a formal corporate bank account. This lowers the barrier for small e-commerce startups and freelancers to start accepting digital payments. Easypaisa offers comprehensive services – from paying utility bills and loan repayments to purchasing tickets – which has built trust in the brand. Many well-known companies in Pakistan (like ride-hailing and e-commerce platforms) use Easypaisa for transactions. For a merchant, adding Easypaisa as a payment option means tapping into that trust and the convenience it offers to millions of users.

#8 Safepay

Safepay is a fintech startup in Pakistan that provides an online payment gateway focused on simplicity and security. It allows businesses to accept payments through multiple channels, including major credit/debit cards and mobile wallets, all through one integration. Safepay’s platform emphasizes a smooth user experience – customers can pay easily, and merchants receive their funds with transparent, timely settlements. The gateway is also compliant with international security standards (PCI DSS), ensuring that transactions are secure and data is protected.

What makes Safepay attractive to small businesses and developers is its ease of integration. It offers developer-friendly APIs and plugins for platforms like Shopify, Magento, and WooCommerce. Merchants get access to a dashboard to track transactions, manage refunds, and generate reports, similar to what a bank might provide, but with a more modern interface. Safepay also prides itself on offering dedicated local support and a “high success rate” for transactions, meaning their systems are optimized to reduce failures and declines. For startups, e-commerce sites, and even freelancers selling services online, Safepay is an excellent local alternative to global gateways, combining flexibility with local know-how.

#9 PayPro

PayPro is another rising payment gateway in Pakistan, geared towards providing a comprehensive digital payment solution for businesses. PayPro’s platform not only lets merchants accept online payments via cards and bank transfers, but it also supports invoicing and over-the-counter cash payments at collection points. This means a business can send a digital invoice to a customer, and the customer has the flexibility to pay through their card, transfer money from their bank, or even deposit cash at a partner location that works with PayPro.

The strength of PayPro lies in its all-in-one approach to payment collection and cash flow management. The interface is user-friendly, which helps businesses (especially SMEs) keep track of incoming payments and manage their finances without hassle. PayPro supports various sectors – from e-commerce and education to travel and corporate payments – and offers 24/7 local customer support to assist merchants. For small and medium businesses that need versatility in how they collect money (for example, a school collecting fees or a shop offering both online checkout and cash collection), PayPro provides a flexible solution tailored to Pakistan’s market.

#10 Payoneer

Payoneer is an international payment platform, but it has become integral for Pakistani freelancers and online entrepreneurs, effectively serving as a “gateway” to receive global payments. While not a traditional payment gateway for e-commerce websites, Payoneer allows users in Pakistan to get paid by foreign clients and marketplaces. In fact, Payoneer is used in Pakistan at a scale comparable to how PayPal is used in other countries. It supports receiving payments from major freelance platforms (like Upwork or Fiverr), global e-commerce marketplaces, and direct clients via credit card or bank transfer.

For freelancers and export-oriented small businesses, Payoneer is a lifeline. You can invoice international clients through Payoneer or withdraw earnings from sites like Amazon, and the funds can be withdrawn to your local Pakistani bank account in rupees. Payoneer also provides a prepaid MasterCard that can be used for transactions or ATM withdrawals. The service does charge fees (and exchange rate margins), so it’s important to factor that in. However, given that PayPal and Stripe are not available locally, Payoneer remains one of the most accessible and trusted ways to receive international payments in Pakistan. Its ease of use and global acceptance make it a top choice for those working online with overseas customers.

Conclusion

The digital payment landscape in Pakistan is evolving rapidly, offering businesses and freelancers more options than ever before. From traditional bank-backed gateways like Bank Alfalah, HBL, and UBL to fintech innovators like Safepay, JazzCash, and Easypaisa, there’s a solution for every need. Whether your goal is to process e-commerce transactions, receive freelance payments, or cater to customers without credit cards, selecting the right gateway can make a huge difference in sales and customer satisfaction.

Ultimately, the best payment gateway for you will depend on your target audience, business model, and preferred payment methods. With the right choice, you can provide a seamless payment experience, boost customer trust, and scale your business in Pakistan’s growing digital economy.

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