Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (2023)

Since the past few years, we all have noticed how our country Pakistan has swelled in the e-commerce business and a switch towards Online Payment Methods and Services. Moreover, people want to get only the best of the best from the many payment methods. What are those key aspects that make an online payment service so great?

In this post, we will focus on two main things: First, we will identify the best payment methods and see what features a good payment method should have. Then, we will move on to the list of the best online payment methods available in Pakistan.

Some Features that every Payment Method Should Have:

Service of a payment method can be both good and bad, and it may depend on various key factors. We will list some of the main key factors that will help you choose the best payment method available. These key factors are listed as:

Simplicity: Life is already complicated enough, try to choose a payment method that is simple to use and maintain. Also, make sure their procedures are speedy. After all, online payment methods are supposed to make our life easier.

Service & Care Centers: Always choose the services that are easily reachable, both physically and virtually. If the online payment service you go for hides behind websites and mobile applications only and reaching them for any glitch or error is quite difficult, then your service provider will surely give you a hard time.

Mobile Apps: No doubt, mobile apps are the easiest way to get payments done. No one wants to make their payments via third-party browsers and networks. So, try to choose a service that also has a dedicated mobile application.

Service Charges & Rewards: Every online payment service may have its own specific charges; some may charge more than the usual. You must compare the service charges for each transaction and ask around to get an idea about what other service providers are charging and choose that you see fit. Some services also give you some percent of cashback on each transaction. What is better than getting daily rewards on making transactions?

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However, too many choices are definitely not a good thing, especially when you want a quick solution to make online payments. So,here are mentioned some of the most widely adopted payment methods available in Pakistan:

1. Bank Transfer:

Pakistan’s most approved method for transferring and receiving money is traditional bank transfer. Users are filling out forms in banks and then deposit cash through their respective banks. Bank Transfer is considered to be the safest and cheapest method available in Pakistan.

2. Wire Transfer:

The wire transfer is an electronic method for transferring payments through a network, operated by hundreds of banks around the globe. Wire transfer is usually sent from one bank to another bank with a SWIFT code. People in different geographic locations can safely transfer money to locales and financial institutions around the world.

3. Pay-Order/Demand Draft:

Pay order and demand draft are used for the same purpose, however different from each other. A pay order is a way of payment that is to be cleared in the very specific branch of the bank that issued it. It is a document that instructs a bank to pay a certain sum to a third party, such orders are normally acknowledged by the bank which provides a guarantee that the payment will be made. Pay order is not negotiable, payable on the issuing branch and payments are made locally.

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On the other hand, the Demand draft is a mode of payment that gets cleared in any branch of the issuing branch. It is a signed, written order by which one party instructs another party to pay a specified sum to a third party, at sight, or at a specific date. It is negotiable and payments are made in one place to another.

The Pay-Order or demand draft is mostly used for official purposes in Pakistan. Most of the universities are accepting the demand draft for fee submission.

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4. EasyPaisa:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (1)

EasyPaisaneeds no introduction; it is the first digital payment method introduced in Pakistan by telecom operator Telenor launched in 2009.EasyPaisa has reached a great status as the third-largest mobile payment method in the world with 7.4 million users.

It is a money transfer service, who had made the lives of all those people easier who live in distant areas and do not have the liberty to access bank accounts for payment transfers. One can now transfer payments through EasyPaisa to other accounts without any inconvenience. Any mobile subscriber can create an EasyPaisa account to avail of the facilities like transferring and receiving payments, easyload, bill payments, online shopping, International transfers. Etc.

Now, any EasyPaisa Account customer using the EasyPaisaApplication can instantly generate a Virtual Debit Card using the EasyPaisa App on their smartphone and then use this card for online payments, wherever MasterCard is accepted.

5. JazzCash:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (2)

JazzCash, formerly known as “Mobicash” is a branchless banking system introduced by another telecom operator Jazz, launched in 2012.JazzCash is also a wallet based payment system through which users can facilitate themselves with Sending/ receiving Money, Online bill payments, Mobile load. (Any network)Mobile loans, Bank Deposits, International remittance, Digital payment services with a QR scan, Food Deliveries, Bus Tickets, Tax Payments, Payoneer transfers.

JazzCash works like a mobile number, integrated to your bank account which can be operated on every type of phone not necessarily requiring smartphones to get access to your account from any location.

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6. Upaisa:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (3)

UPaisa provides financial services to people anytime anywhere in the country. You can easily perform financial transactions through yourUPaisa’s mobile account or any UPaisa shop. Ufone has also introduced the UPaisa app for the comfort of its users. With this app, users can easily make financial transactions.UPaisa offers: Utility bill payment, Sending or receiving payments, Mobile Easy Load, Bank Transfers, Insurance payments. Etc.

Upaisa also offers a debit card facility, which can be used to withdraw cash from local ATM machines. It’s a service made available in over 45,000 locations across Pakistan. To open a UPaisa account, you can simply dial *786# from your mobile or download the UPaisa app for Android or iOS.

7. Payoneer:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (4)

For me, Payoneer is s the best solution to receive my payments worldwide. It was founded in 2005 in New York. It is a new and pinch-hitting way of getting paid for performing services or freelance work. Payoneer also gives you an alternative way to pay people directly without ever going through a third-party payment service just to get the payment sent from across all around the world.

Payoneer users will be provided Master Card ATM Debit card through which they can withdraw cash at any ATM machine that accepts Mastercard. Currently, Payoneer offers a guaranteed low transaction fee and flexibility in withdrawing cash. Payoneer functions globally in over 200 countries and 150 currencies allowing you to send money worldwide.

8. GoLootLo:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (5)

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GoLootLo is Pakistan’s first and largest QR-based discount app introduced by the National Bank of Pakistan(NBP) and is a debit card-based payment system. GolootLo is like an online wallet and must be recharged to keep in use. However, only payments can be made through this debit card to its registered retail stores offering a discount. The discounts are worthwhile and frequent, being offered by more than 12,000 domains across 65 cities in Pakistan including salons, restaurants, apparel stores, gyms, clinics, hotels. Etc.

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9. PayPak:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (6)

PayPak is a domestic payment system introduced in Pakistan by 1Link under the registration of the State Bank of Pakistan vision 2020 to intensify and promote financial transfers.PayPak, targeted to provide efficient, cost-effective, robust, and global payment solutions. At the moment, 20 different banking systems of the country have adopted payments through it. With this launch, Pakistan became the 28th country in the world to have their-own domestic payment scheme, operating primarily through PayPal cards which can only be used in ATMs and POS services and are yet to launch online transactions.

10. MoneyGram:

Top 10 Online Payment Methods Available in Pakistan | Pakistani Journal (7)

Money-Gram is an American money transfer company based in the USA. It is a payment method specifically used for receiving payments sent from other countries. Also, it provides services such as money transfers, money orders, and bill payments to people who do not have bank accounts or do not want to use their normal bank account.

Through MoneyGram people living abroad can easily send payments to their family members with efficiency. A code is generated which is granted at the time of transaction and receivers can get payments after filling a form and telling banker the secret code.

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MoneyGram works in a very similar way to your own bank because you deposit money in one location which can be retrieved at another location, such as an ATM or a different branch.

There you have it; this is all you need to know about the best online payment methods that are currently available in Pakistan. You can also share your experience regarding any payment services in Pakistan. Also, if you have any other questions regarding this topic do let us know in the comment section, we will surely get back to you ASAP.


What is online payment in Pakistan? ›

Raast: Pakistan's Instant Payment System

Raast is Pakistan's first instant payment system that will enable end-to-end digital payments among individuals, businesses and government entities instantaneously.

Which online payment app is best in Pakistan? ›

Top Finance Apps in Pakistan of Google Play Store
Free Apps
1easypaisa - Payments Made Easy easypaisa
2JazzCash - Your Mobile Account Jazz Pakistan - Official
96 more rows

What is the most popular online payment method? ›

This guide also contains a comprehensive list of top online payment methods to consider in 2022. Let's get in!
Here are ten of the top online payment methods for e-commerce sites.
  1. Credit/debit card. ...
  2. PayPal. ...
  3. Apple Pay. ...
  4. Google Pay. ...
  5. Amazon Pay. ...
  6. Boleto. ...
  7. Stripe. ...
  8. Western Union.
May 31, 2022

Is Zelle available in Pakistan? ›

No, you cannot send money to Pakistan with Zelle, as Zelle is available only in the US. The payment app only allows you to send money from one US bank account to another, meaning both the sender and the recipient must have US bank accounts.

Which online banking is best in Pakistan? ›

Bank Alfalah honoured with Pakistan's best digital banking and housing finance award 2022.

Does Pakistan use PayPal? ›

PayPal does not offer resident Pakistanis to hold a PayPal wallet to withdraw money. But resident Pakistanis can receive money through Xoom directly into a bank account or by picking up a cash transfer at a local bank.

Which card is common in Pakistan? ›

Visa is the most commonly accepted card, although Standard Chartered ATMs also readily accept MasterCard. To ensure your card will work, look for the Plus (Visa), Cirrus or Maestro (both operated by MasterCard) signs on the ATM. ATMs are widely available throughout Pakistan.

How do I pay someone in Pakistan? ›

When you need to send money to Pakistan, Western Union can get your cash there, reliably, within minutes1. Best of all, you can send money to Pakistan using a credit or debit card, directly from your bank account, via Apple Pay®, or with cash at more than 55,000 agent locations in the US.

Which money transfer app is available in Pakistan? ›

Not only is WorldRemit good for cash transfers, but it's also suitable for receiving money in Pakistan with mobile wallets like Upaisa, JazzCash, and Easypaisa.

What are the 3 major payment options? ›

Traditionally, cash, debit cards, credit cards, and checks were the main types of payments. Now, more advanced forms of digital payments are becoming more popular. This includes online payment services, digital currencies, and electronic transfers.

How many types of online payments are there? ›

Online payment allows you to pay money via the internet. Buyers will use this type of payment when they purchase goods online or offline. They can use different types of online payment methods, including debit/credit cards, wire transfers, net banking, and digital wallets.

Does Pakistan use venmo? ›

Venmo is a digital payment service that is primarily available in the United States. It is not currently available in Pakistan.

Is cash App available in Pakistan? ›

In general, CashApp is not available in Pakistan. People who insist on opening an account with this platform can do so using a VPN, an American number, and other fictitious details. However, opening an account this way will make it unverifiable.

Does Apple Pay work in Pakistan? ›

People in Pakistan can now easily pay their bills safely and securely using Apple Pay. Through it, you can handle all credit and debit card clearance amounts. Apple Pay is an innovative and advanced technology option working in Pakistan for payments.

Which Pakistani bank is best for international transactions? ›

For example, Allied bank, Faysal bank, JS bank, and Standard Chartered banks are at the top list of all the listed banks. Now, it is very convenient and seamless to send money online to overseas Pakistani anywhere in the world from and into their Pakistan banks.

Who is Pakistan No 1 bank? ›

HBL The Largest Bank in Pakistan - Best Award Winning Bank.

Which bank is most secure Pakistan? ›

Euromoney awards HBL the accolade of Best Bank in Pakistan 2022.

Is Amazon available in Pakistan? ›

Amazon is officially available in Pakistan, and you can easily buy items from different countries like US and UK. You can also sell items in countries where Amazon operates and has an official presence.

Can I use USA PayPal in Pakistan? ›

Unfortunately, currently, PayPal is not operating in Pakistan.

How to send money from Pakistan to USA? ›

Common options include:
  1. Bank transfer – you can pay for your international transfer using an international wire from your normal bank, or by making a local bank transfer to a specialist provider.
  2. Online or in app – most specialist services let you pay with a bank transfer or card, through their website or app.

Which card is used for online payment in Pakistan? ›

Card based payments allow E-Commerce merchants to accept payments through VISA, MasterCard, Union Pay International, PayPak debit/credit cards.

Do American cards work in Pakistan? ›

Acceptability. The American Express Gold Credit Card is widely accepted internationally and at American Express enabled outlets within Pakistan. With your American Express Gold Credit Card, pay for shopping, dining, travel, entertainment and much more.

What is virtual card Pakistan? ›

Bank Alfalah Virtual Debit Card, powered by MasterCard, can be generated instantly by customer through Alfa App. Just like any Debit Card, you will get your own Card Number, Expiry Date and the three-digit CVV code, you can select your card limits. The only difference is that you will not receive any physical card.

How can I receive payment in Pakistan? ›

Multiple ways to receive payments
  1. Credit/Debit Card.
  2. Local bank transfer.
  3. ACH bank debit.
  4. SWIFT (wire)
  5. From Payoneer account.

How can I send instant money to Pakistan? ›

How to send money to Pakistan
  1. Create an account. Sign up with your email address and choose a strong password. ...
  2. Start a transfer. Select the receive country, enter amount and choose the receive method. ...
  3. Enter receiver's details. Keep your receiver's information ready! ...
  4. Pay for your transfer.

Is Western Union app available in Pakistan? ›

Besides sending money to Pakistan, with Western Union's app you can send money to over 200 countries and territories, including Jamaica, Haiti, United States, India, Turkey, Mexico, Philippines and more.

What are different e payment methods? ›

An electronic payment is a digital transaction between two parties, with e-payment types including ACH, cards, bank transfers, digital wallets, mobile pay, and more. Any number of different factors can guide businesses toward the types of electronic payment that might work optimally for them.

What are the basic payment methods? ›

There are two basic systems of wage payment—time rate system and piece rate system. Both the systems have their merits and demerits. No system can be considered suitable for all times and under all circumstances.

What are 2 types of digital payment options? ›

The most common payment methods are:
  • Credit and debit card: This is one of the most commonly used and oldest payment methods worldwide. ...
  • Mobile payments: Aside from smart watches, millions of people worldwide prefer paying with smart phones. ...
  • QR payments: This payment alternative is fast, convenient and secure.
Oct 31, 2022

What is an example of online payment? ›

Examples of online payment companies include PayPal, Alipay, WeChat Pay, Paytm, Google Pay, and Apple Pay.

What types of payments are popular for online purchases? ›

But today, online vendors can encourage consumers to purchase online through alternative online payment methods.
10 Philippine online payment methods for consumers and merchants
  • Smart Money. ...
  • GCash. ...
  • DragonPay. ...
  • JuanPay. ...
  • PesoPay. ...
  • PayEasy. ...
  • MOLPay. ...
  • WeePay.
May 9, 2014

What are the 4 types of credit cards? ›

Rewards credit cards. Secured credit cards. Low-interest credit cards. Cashback credit cards.

Can I use PayPal in Pakistan? ›

It is not possible to open a PayPal account if you are in Pakistan. But if you are outside of Pakistan, you can send money for cash pickup or directly to a bank account locally with Xoom.

Can Pakistan pay through PayPal? ›

Unfortunately, currently, PayPal is not operating in Pakistan. However, there are some ways by which you can open your Paypal account in Pakistan.

Is Google pay allowed in Pakistan? ›

Google Pay isn't available in Pakistan for Android and iOS users.

What money transfer apps work in Pakistan? ›

Some of the best money transfer services to send money from the USA to Pakistan
  • Best Exchange Rates: Wise.
  • Sending Money to Family and Friends: Remitly.
  • Sending Cash or Mobile Money: WorldRemit.
  • Fee Free: OFX.
  • Best Big Brand: Xoom, powered by PayPal.

What is Payoneer in Pakistan? ›

Payoneer lets clients from many countries around the world pay for services or merchandise from freelancers or businesses in Pakistan. Payoneer collects the payment online and adds it to your Payoneer account. You can then withdraw the funds to your local Pakistani bank account from Payoneer.

What is the alternative of PayPal in Pakistan? ›

1 – Payoneer

To start with, Payoneer is one of the best PayPal alternatives in Pakistan. The company launched in 2005 and has its headquarters in the US. Like PayPal, it offers a solid set of functionalities for sending and receiving money.

Is gift card available in Pakistan? ›

We offer a variety of E-Gift Cards across various retail categories like Fashion & Accessories, Health & Beauty, Home & Furnishing, Electronics, Dining & Café, Travel & Hotels, etc., that are redeemable at retail stores of over 100+ our partner brands across Pakistan.

Does Pakistan use Apple Pay? ›

People in Pakistan can now easily pay their bills safely and securely using Apple Pay. Through it, you can handle all credit and debit card clearance amounts. Apple Pay is an innovative and advanced technology option working in Pakistan for payments.

Is Instagram allowed in Pakistan? ›

ISLAMABAD: The Interior Ministry on Friday issued orders suspending multiple social media platforms in the country, however, Facebook-owned Instagram was not among the apps shut.

Can I use Paytm in Pakistan? ›

Yes, Paytm allows accepting International payments.


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