The Pakistani digital economy is expanding rapidly, according to the current market trends. Most businesses are moving online, and customers are choosing to pay online rather than in cash. With the rise of Payment Gateways In Pakistan. choosing the right gateway is one of the vital decisions any business owner can make. An incorrect payment gateway setup can lead to lost sales, while the right choice improves the checkout experience, builds trust, and keeps your revenue flowing smoothly without interruption.
This guide covers the top payment gateways in Pakistan so you can compare them based on your business needs. While different platforms offer distinct strengths, merchants often discuss AssanPay as one of the best payment gateway options in Pakistan because it focuses on local businesses’ needs and payment methods.
Top 10 Payment Gateways in Pakistan
1. AssanPay
AssanPay ranks at the top of this list, because it was built specifically for Pakistani businesses. Developed by DEVTECTS Private Limited, AssanPay is an authentic online payment gateway in Pakistan that helps businesses collect and manage online payments. It allows merchants to accept money through multiple options such as cards, e-wallet, QR codes and Whatsapp payments. Using a single, unified dashboard.
What makes AssanPay different is the way it brings multiple payment methods together in one system. It allows customers to pay using Visa and Mastercard cards, mobile wallets like JazzCash and Easypaisa, QR-based payments, and whatsapp payments. This makes it easier for both small and growing businesses to accept digital payments in Pakistan.
AssanPay also provides a single merchant dashboard where businesses can track and manage transactions in real time. It can be integrated in multiple platforms like WordPress, WooCommerce, Shopify and custom built, making it a useful option for online stores.
Furthermore, Assanpay does not charge any setup or integration fee which is an advantage over other bank gateways/ aggregators. And the payment methods you use determine the transaction fees. Typically range between 1.5% to 3.5% per transaction.
You can learn more at assanpay.com.
2. PayFast
PayFast is one of the earliest licensed payment service providers in Pakistan. Supports thousands of merchants across Pakistan, including various small and large businesses as well as well-known e-commerce brands
It allows businesses to accept online payments via UnionPay, PayPal, E-wallets, Visa, and Mastercard. Payfast also supports Raast P2M payments, which allows users to make instant transfers to merchants through Pakistan Raast’s system.
3. Safepay
Safepay is a payment gateway that is broadly known for its easy integration with e-commerce platforms such as Shopify, Magento, and WooCommerce. It supports debit and credit cards as well as E-wallets.
4. Bank Alfalah MPGS
Bank Alfalah partnered with MPGS (stands for Mastercard payment gateway service) to power its Alfa Payment Gateway. This modern digital platform helps Pakistani businesses of all sizes. It allows merchants to accept online payments quickly and securely. It supports secure online payments with multiple ways like tokenization for recurring billings. Built-in-fraud prevention and security compliance along with flexible integration options.
Bank Alfalah does not charge any setup fee which is an advantage over other bank gateways. And its merchant fees typically range between 2 to 3% per transaction.
5. HBL eCommerce Checkout Solution
Habib Bank Limited offers an online payment gateway that uses the 3D Secure platform and has built in fraud management covering over 260 variables including device fingerprinting IP analysis and BIN data. It supports Debit, Mastercard, Visa, and UnionPay cards.
6. UBL eCommerce Payment Gateway
UBL has been offering ecommerce payment solutions since 2013. UBL’s gateway supports 3D Secure authentication and offers tokenization for saving card details securely. It also features an e-invoicing tool which lets merchants receive payments without a full website integration which is useful for businesses that operate through social media.
7. Meezan Bank
Meezan Bank is Pakistan’s leading Islamic bank and its payment gateway is designed specifically for businesses that require Shariah compliant banking. It supports both local and international card payments, mobile tap payments and POS integration.
8. MCB eGate
MCB Bank’s eGate is a secure card processing service backed by the Mastercard Internet Gateway Services system. It also offers a merchant portal for tracking transaction history and has a dedicated Fraud Risk Management team that monitors and investigates suspicious activity. With over 1200 branches nationwide MCB is one of Pakistan’s largest private sector banks.
9. PayPro
PayPro is a digital payment solution that goes beyond simple card processing. It supports payments through debit and credit cards, and digital bank transfers. This makes it particularly useful for businesses in education, travel and corporate sectors where customers may not always prefer cash payments. PayPro also offers invoicing tools and cash flow management features that help businesses track and manage their payment cycles more effectively.
10. Keenu
Keenu is also one of the top digital payment gateways in Pakistan. It mainly focuses on enabling cashless transactions through mobile-based payment solutions and POS machines. It allows businesses to accept online payment through QR codes, E wallets, credit and debit cards. Moreover, It’s extensively used for in-store payments.
Frequently Asked Questions
What are the top payment gateways in Pakistan?
Assanpay, Payfast, Bank Alfalah, Meezan Bank and more are the top payment gateways in Pakistan. Each plays a vital role and serves different business needs. But, Assanpay stands out as an entirely locally built solution offering all major payment options that’ll help you scale your business.
Which payment gateway is best for businesses in Pakistan?
The best payment gateway for business in Pakistan depends on your transaction volume, customer preferences and technical setup. For most businesses, especially those selling online, AssanPay is frequently considered a complete solution. Because it covers every payment method that most Pakistani customers prefer such as Visa, Mastercard, E-wallets, QR Payments and integrates easily with WordPress, WooCommerce and Shopify.
Which payment gateway is best for small businesses in Pakistan?
For small businesses the best online payment gateway Pakistan option is one that does not require heavy technical setup or large upfront fees. AssanPay is well suited for small businesses because it offers payment links and WhatsApp based payment collection which means even businesses without a website can start accepting digital payments immediately. PayFast and Safepay are also frequently used by smaller e-commerce operations due to their straightforward onboarding.
What is the cheapest payment gateway in Pakistan?
FinTech gateways generally charge lower merchant fees than bank backed options. Merchant fees for FinTech gateways typically range between 1.5 and 3.5 percent per transaction while bank gateways usually charge between 2% and 4.5%. Some bank gateways also charge annual fees while most FinTech options do not. The total cost of a gateway should also factor in settlement speed and feature coverage not just the percentage fee because a cheap gateway that frequently fails transactions costs more in lost revenue than a slightly higher fee with better performance.
Which payment gateway is best for accepting online payments in Pakistan?
For accepting online payments in Pakistan a gateway that supports multiple payment channels is essential because Pakistani customers use very different methods. AssanPay is one of the strongest options for online payment collection because it supports cards JazzCash Easypaisa bank transfers QR code payments and WhatsApp payment links all through one integration. This breadth of coverage ensures that customers reaching your checkout page always have a way to pay regardless of their preferred method.
