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.avif)
Pakistan
.avif)
Top e-commerce industries
23.1%
Electronics
22%
Hobby & Leisure
18.3%
Fashion
Furniture & Homeware
Care Products
DIY
Grocery
Islamabad
Capital
252.3M
Population
+5
Time Zone (GMT)
PKR (Rs)
Currency
Pakustani Rupee
$89.0B
Transactions
value in 2028
25.2%
CAGR
of Digital Payments
during 2025-2028
during 2025-2028
Popularity of e-commerce payment methods
Extend your reach

Method
Bank Transfer (PK)
Bank Transfer (PK)
LPM Market Share
10%
Payments
Yes
Refunds
Yes - full & partial refunds (manual)
Type
Bank Transfer
Local Card Scheme
Users
25M
Disbursements
Yes
Yes
Chargebacks
$25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

Method
JazzCash
JazzCash
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
E-wallet
Local Card Scheme
Users
16.5M
Disbursements
No
No
Chargebacks
USD 25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

Launched in 2009 by Telenor Microfinance Bank, Easypaisa was Pakistan's first mobile financial service app. It provides services such as money transfers, bill payments, mobile top-ups, and savings plans, accessible through a user-friendly mobile application. Easypaisa has a vast agent network, facilitating financial inclusion across the country.
Method
Easypaisa
Easypaisa
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
E-wallet
Local Card Scheme
Users
11M
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

Method
UPaisa
UPaisa
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
E-wallet
Local Card Scheme
Users
2.7M
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

Method
Zindigi
Zindigi
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
E-wallet
Local Card Scheme
Users
n/a
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

The first E-money Institution in Pakistan NayaPay provides a digital wallet that allows users to send and receive money, pay bills, and make online purchases using a Visa debit card. It focuses on seamless user experiences and financial inclusion, offering services like peer-to-peer transfers and merchant payments.
Method
NayaPay
NayaPay
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
E-wallet
Local Card Scheme
Users
2M
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
RKS
Authorization
speed
speed
Instant
Recurring
No
No

Method
Konnect
Konnect
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full refunds only
Type
E-wallet
Local Card Scheme
Users
8M
Disbursements
No
No
Chargebacks
$25.00
Authorization currency
PKR
Authorization
speed
speed
Instant
Recurring
No
No