9 Best Online Payment Gateways in Pakistan 2025: Ecommerce Businesses

A payment gateway ensures smooth transactions of digital payments securely. We have compiled a list of payment gateways in Pakistan that can help vendors receive online payments. Read about banking and FinTech solutions and find the best payment gateway.

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Digital Payments Market Growth in Pakistan

• Online payments and digital wallets continue to grow in popularity in Pakistan, especially after the pandemic.
• The user penetration in the eCommerce market in Pakistan is set to rise steadily, with the number of users expected to grow from 12.4 million in 2024 to 17.8 million by 2028.
• The mobile commerce market in Pakistan is expected to grow significantly, contributing a larger share of the overall e-commerce revenue. By 2028, mobile payments and shopping are projected to account for over 55% of total e-commerce sales.
• B2C (business-to-consumer) sales in the Pakistani eCommerce market are expected to reach US$3,098.1 million by 2024, further boosting the retail segment.
• Revenue in Pakistan's eCommerce market is projected to reach US$5,911.00 million by 2025. The market is expected to grow at an annual rate (CAGR) of 3.22% from 2025 to 2029, reaching US$6,711.00 million by 2029.
• Fashion, electronics, and home goods are the top-performing categories in Pakistan's eCommerce market. Among these, fashion is expected to see the highest growth rate, growing by 20% annually over the next 5 years.
• Digital wallets, mobile banking, and cash on delivery remain the most preferred payment methods in Pakistan, with digital wallets growing the fastest in adoption due to increased smartphone penetration.

eCommerce adoption in urban areas is expected to grow faster, but rural areas are catching up quickly, with rural eCommerce growth predicted at 18% annually by 2028.

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Best Payment Gateways For E-commerce Businesses in Pakistan

The demand for more accessible and secure transaction processing is on the rise with the emergence of the eCommerce industry. This has become the centerpiece of eCommerce and a prime focus for both entrepreneurs and Pakistani customers. Online businesses such as eCommerce stores, travel reservations, and online bookings seek payment gateways in Pakistan to receive payments from their customers.

We have listed the best payment gateways in Pakistan for eCommerce businesses that are most suitable in 2025.

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List of Payment Gateways Managed by Banks in Pakistan

A bank is the very first medium for many regarding trade and transactions. Below is a list of renowned Pakistani banks offering and facilitating online payment gateways.

1. Bank Alfalah - Online Payment Gateway (MPGS)

Key Features of Bank Alfalah Online Payment Gateway

• No Setup Hassle: Seamless integration with support from in-house experts.
• Flexible Integration Options: Removes the need for merchants to handle and store sensitive card data.
• Customizable Payment Pages: Branded and user-friendly checkout experience for merchant websites.
• Advanced Fraud Management: Industry-leading fraud management solution with customizable smart rules to protect merchants and customers.
• Tokenization Capability: MPGS enables one-time token issuance—no repetitive enrollment required, ideal for recurring payments like clubs, utility bills, and subscriptions.
• Mobile Payment Innovation: The gateway can be directly connected to merchant apps for accepting mobile payments.

XPay by XStak, in partnership with Bank Alfalah, introduces the best on-site checkout experience for Shopify store owners. 

Store owners simply need to install the Bank Alfalah Payment Gateway Shopify app in Pakistan. This powerful integration enhances customer satisfaction by eliminating unnecessary payment redirects.

Merchants using XPay experience higher conversions, reduced cart abandonment, and a seamless transaction process.

2. Habib Bank Limited (HBL) - e-commerce Checkout Solution

Habib Bank Limited (HBL) is another leading commercial bank that has a vast customer base. The bank has a reputation for facilitating the unbanked population of Pakistan and is now striving to simplify digital payments.

To enhance the safety of digital transactions, HBL’s Internet Payment Gateway uses the 3D-Secure platform. What’s more intriguing is the built-in fraud management tools that provide an extra layer of security.

Key Features of HBL’s Internet Payment Gateway

• PCI-DSS certified payment gateway​
• Easy to connect with a website or page
• Secure payment acceptance through the website and mobile​ application
• Direct credit into HBL account
• A dedicated Merchant Portal that displays and provides access to features like transaction history, search, refunds, and reports

(This means merchants don’t have to rely on external Fraud Management Modules. The tool can help vendors detect fraud patterns through more than 260 variables including the user’s address, velocity, BIN, and IP as well as device fingerprinting. It is globally used by large enterprises such as Virgin Airlines, Emirates Airline, etc.)

• Vendors can brand their payment pages (business’s logo, unique colors, header or footer) to offer a unique branded experience to customers.
• Multi-currency support allows customers to pay in their preferred currency
• Repeat transactions feature enables regular customers to use their information feed, again and again.
• Vendors can get customized Customer Reports through over 300 available fields for marketing analysis

3. United Bank Limited (UBL) - eCommerce Payment Gateway

United Bank Limited (UBL) is another big player in the banking sector that provides an online payment gateway in Pakistan. In fact, the bank is a pioneer in the local financial industry and has been offering digital payments since 2013. UBL’s digital payment solution is also supported by Etisalat UAE.

Key Features of e-Commerce Payment Gateway

• 3D Secure for maximum safety
• PCI-DSS Certified Secure Platform
• Seamless adjustment with integration plugins
• Optimizes payment page to improve user experience (desktop and mobile screens)
• API’s and Inline checkout ensure a frictionless payment experience
• 3DS Tokenization securely saves card information
• Provides safety against fraud risk exposure through Fraud Guard
• Multiple payment options including credit and debit cards as well as direct debit
• The innovative payment tool, e-Invoicing enables vendors to receive online payments without any payment gateway integration. This is an incredibly useful tool for sellers who operate online businesses over social media.

4. MCB Bank Limited - Online Payment Gateway

Using MCB digital payment, cardholders can buy products, items, or services through the merchant’s website in real time. The digital payment service comes with a 3D secure solution that is supported by MasterCard Internet Gateway Services (MIGs).

Key Features of MCB eGate

• PCI-DSS compliant for maximum security
• Best uptime for high reliability
• Quick and easy integration process
• Merchant Portal that displays transaction history and details
• Support from the Fraud Risk Management team to inspect and investigate suspected fraudulent activities
• Full-time local support

5. Meezan Bank – Online Payment Gateway

Meezan Bank acts as a bridge between merchants, issuers, and payment networks, enabling retailers to adopt cashless transactions. Its POS machines support local and international card payments, mobile tap payments, and seamless integration with retailer systems. With this launch, Meezan Bank extends digital payment solutions to a vast number of unserved retail customers who prefer Islamic banking.

Key Features of Meezan Bank’s Payment Solutions

• Secure Online Payment Gateway: Enables merchants to accept digital payments seamlessly.
• POS Terminals: Supports local and international card payments, mobile tap payments, and retailer system integration.
• Islamic Banking Compliance: Tailored solutions for businesses preferring Shariah-compliant banking.
• Fraud Protection: Ensures secure transactions with advanced fraud detection mechanisms.
• Full-Time Support: Dedicated local assistance for merchants and retailers.

Meezan Bank continues to lead the way in modernizing Pakistan’s retail sector with enhanced digital offerings and a commitment to financial inclusion through Islamic banking.

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Comparison of Banking Gateways Charges

Here is a charge summary and comparison of different payment gateways in Pakistan.

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List of Payment Gateways Managed by FinTechs in Pakistan

Banks aren’t the only option when we talk about digital payments in Pakistan. There are some FinTech companies as well that are viable payment gateway providers in Pakistan.

1. XPay by XStak Payment Solution

XPay by XStak offers a powerful and seamless payment solution for businesses in Pakistan, overcoming the challenges of global payment gateways. With high acceptance rates, embedded checkout, and flexible integrations, XPay ensures smooth payment experiences for local merchants. 

XPay serves as an ideal Stripe alternative in Pakistan, providing all the features businesses need for efficient payment processing.

Key Features of XPay That Make It the Best Choice

• On-Site Checkout: Customers stay on your website for a seamless experience.
• BIN-Based Discounts: Personalized bank-specific offers to attract more customers.
• Subscription Payments: Secure and automated recurring billing for subscription-based businesses.
• Tokenization: Safe storage of payment details for quick, repeat transactions.
• Dynamic Routing: Ensures high acceptance rates through efficient payment routing.
• Payment Links API: Instant payments through SMS, email, or social media.
• Multi-Platform Support: Works with Shopify, WooCommerce, Magento, and custom websites & apps.

Boost Your Conversion Rates!

Offer the smoothest payment experience and see higher approval rates with XPay.

Shopify On-Site Payments App

XPay provides an official Shopify app for seamless payment processing, eliminating redirects and improving conversion rates.

WooCommerce Plugin

XPay WooCommerce plugin enables direct payments on WordPress websites, eliminating third-party redirects for a smoother checkout process.

Payment Solution for Subscription-Based Businesses

XPay subscription feature supports recurring revenue models, with automated renewals to reduce churn and improve customer retention.

Tokenization: Secure and Faster Payments

XPay ensures data security through tokenization, allowing quick repeat purchases and enhancing customer trust.

Payment Solutions for Restaurants

XPay offers fast and secure payment options for online restaurant orders, with embedded checkout and bank-specific discounts.

Payment Solution for Custom Websites and Apps

XPay provides flexible integration options with mobile SDKs for React Native, Kotlin, Swift, and Flutter, ensuring smooth payment processing across all devices and platforms.

Security and Compliance: PCI DSS Certified

XPay meets the highest security standards to protect transactions, ensuring merchants and customers are always secure.

Trusted by Industry Leaders

XPay by XStak provides a complete solution for eCommerce, subscriptions, restaurants, and custom businesses, offering seamless integration, advanced security, and high acceptance rates.

2. Safepay - Online Payment Gateway

Safepay is a comprehensive payment gateway designed to facilitate seamless and secure online transactions for businesses of all sizes. With a focus on simplicity and efficiency, Safepay allows merchants to accept payments from various sources, including credit cards, and mobile wallets. 

It provides businesses with a smooth and secure digital payment experience to help grow their operations, both locally and internationally.

Key Features of Safepay Payment Gateway

• Hassle-Free Payments: Simple and easy payment process for customers, enhancing their buying experience.
• Instant Fund Settlement: Transparent and timely settlement of funds.
• High Success Rates: Optimized for revenue growth with increased payment success.
• Security: Compliance with global payment industry security standards to ensure the safety of all transactions.
• Powerful Payment APIs: Customizable payment solutions for developers to integrate seamlessly.
• Developer and Business Friendly: Fast integration with resources and support for various platforms such as Shopify, Magento, WooCommerce, and more.
• Merchant Portal: Access detailed transaction reporting, initiate refunds, and manage payments easily.
• Full-time Local Support: Dedicated assistance to ensure smooth operations for businesses.

Safepay removes the complexity behind accepting payments from websites and apps, allowing businesses to focus on growth and customer satisfaction. Whether you're a freelancer, entrepreneur, or large organization, Safepay offers adaptable payment solutions designed to meet your needs.

3. PayPro Payment Gateway

PayPro offers a complete digital payment solution that simplifies invoicing, payment collection, and cash flow management for businesses. With a user-friendly platform, PayPro allows businesses to accept payments through debit/credit cards, digital bank transfers, ATMs, or cash at over-the-counter collection points. 

PayPro provides a seamless payment experience for both merchants and customers, enabling businesses to adapt to the new economy.

Key Features of PayPro Payment Gateway

• Secure and convenient payment methods including card payments, bank transfers, and cash collection
• Easy integration with a user-friendly interface for efficient business operations
• Comprehensive cash flow management tools
• Full support for eCommerce, education, travel, and corporate businesses
• 24/7 local support for seamless operations

You also explore the list of top UAE Payment Gateways.

4. Abhipay Payment Gateway

Abhipay offers a comprehensive digital payment solution designed to simplify payment processing for businesses of all sizes. With easy integration tools and customizable options, Abhipay allows businesses to securely accept payments through debit/credit cards, bank transfers, and online invoicing. 

The platform meets PCI-DSS standards and ensures smooth, 3D Secure transactions, all managed through a user-friendly dashboard for real-time tracking and reporting.

Key Features of Abhipay Payment Gateway

• Instant Payment Acceptance: Accept payments instantly with seamless integration for your online store or mobile app.
• Comprehensive Dashboard: A feature-rich, user-friendly interface for managing payments, transactions, and customer data.
• Transaction Management: Easily manage and track all incoming and outgoing payments in real-time.
• Refund Capabilities: Refund transactions either in full or partially with simple, intuitive tools.
• Online Invoicing: Send customized invoices to customers with a single click, streamlining your payment collection process.
• Mobile SDKs: Fast integration with iOS and Android SDKs for mobile app payment processing.
• Secure Card Saving: Save card information securely for future recurring payments, making transactions smoother for repeat customers.
• API Integration: Access a detailed Developer Dashboard with all necessary information to integrate Abhipay into your system.
• 24/7 Customer Support: Local customer support to assist with any queries or issues related to transactions and integration.

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Comparison of FinTechs Companies Charges

Below is a comparison of the charges of different FinTech payment gateways in Pakistan.

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Frequently Asked Questions About Payment Gateways

What is the best digital wallet in Pakistan?

The best digital wallets in Pakistan include JazzCash and Easypaisa. These wallets allow users to make quick and secure transactions, but if you're looking for a payment solution for your business, XPay is the best payment gateway, offering integration with mobile wallets like JazzCash, Easypaisa, credit cards, and more.

What are the online payment methods available in Pakistan?

There are various online payment methods available in Pakistan, including digital wallets, bank transfers, and card payments. XPay stands out as the best payment solution, enabling businesses to accept payments from multiple channels such as mobile wallets, credit/debit cards, and more, all securely processed in one platform.

Which international payment gateway is available in Pakistan?

Several international payment gateways can be used in Pakistan, but XPay is the best payment solution for businesses looking to accept global payments. It supports a variety of currencies and integrates seamlessly with other payment methods, making it ideal for international transactions.

Which payment method is best in Pakistan for Shopify?

For businesses in Pakistan using Shopify, the best payment method currently is XPay. This omnichannel payment solution is PCI-DSS certified and can be easily integrated with credit/debit cards, mobile wallets, and other payment methods. 

Shopify allows businesses to accept payments in their local currency, and XPay provides a secure, versatile, and efficient way to process transactions.

How can we integrate online payments in Pakistan?

You can integrate online payments in Pakistan through plugins and APIs. Almost all payment gateways can be integrated with websites and mobile apps. 

In case you are looking for an easy-to-use payment solution for all devices and channels including social media, XPay is the best payment gateway in Pakistan.

Best Online international payment methods in Pakistan

The best online international payment methods in Pakistan are:

• Alfalah Bank
• XPay by XStak 
• Habib Bank Limited
• UBL Bank
• MCB Bank

How does online payment work in Pakistan?

Online payments in Pakistan work through a range of solutions like JazzCash, Easypaisa, and bank transfers. XPay simplifies the process by enabling businesses to accept payments securely from multiple methods, including cards, wallets, and bank transfers, ensuring smooth transactions.

What is the most popular payment method in Pakistan?

While digital wallets like JazzCash and Easypaisa are popular in Pakistan, XPay is one of the best payment solutions for businesses. It supports various payment methods, such as mobile wallets, debit/credit cards, and more, offering flexibility and security for both local and international transactions.

Is Razorpay available in Pakistan?

No, Razorpay is not directly available in Pakistan. However, XPay is the best alternative, offering similar features with a focus on secure, multi-channel payment processing for businesses in Pakistan. XPay supports a range of payment options, including international transactions.

What is the best bank in Pakistan for international transactions in eCommerce?

For international transactions, banks like Bank Alfalah, HBL and UBL are among the top choices in Pakistan. To optimize your eCommerce payment processing, integrating XPay as your payment gateway solution will ensure secure and smooth international transactions, making it the best payment solution for businesses.

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Conclusion

Finding the best payment gateway in Pakistan that meets your business needs may become hectic. One may get lost in the technicalities and features as there are so many options available. So we have included only the best in our list of payment gateway in Pakistan. 

In case you are looking for an all-in-one, hassle-free payment gateway, XPay stands out among the rest. It is PCI-DSS certified and easy to integrate with websites, apps, third-party eCommerce platforms, and social media pages. So your data will remain safe and secure while you’ll get instant notification whenever a purchase is made or payment is received.