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Comparison Table of Top Payment Gateways in Pakistan for E-Commerce & Shopify

Let’s compare each leading payment gateway available for online stores in Pakistan. The table below highlights key features, multiple payment options, and how they support payments in Pakistan:

Peyments gatewayRateCountriesPayment MethodsFiat currencies, unitsWebsite
icon Paykassma
4.8
1220169Open
icon A-Pay
4.7
1220169Open
icon PayU
4.7
50164190Open
icon Paycos
3.9
9020Open
icon Pay4X
3.9
563Open
icon Fonepay
3.9
171Open

Other Payment Solutions Available for Businesses in Pakistan

Key Factors to Consider When Choosing the Best Payment Gateway in Pakistan

For any eCommerce store or Shopify store, especially those handling international transactions, choosing a secure payment system is critical. A reliable payment gateway allows businesses to accept payments efficiently and enhances the overall payment experience.

Here are key factors to consider when selecting a payment service for your digital transactions:

  • Security & Data Protection: Ensure the provider offers secure online processing and complies with Payment Card Industry Data Security Standards. Approval by the State Bank of Pakistan adds extra credibility.
  • Transaction Fees: Evaluate fee structures to find a balance between efficient payment processing and value.
  • Integration with eCommerce Platforms: The gateway should integrate smoothly with platforms like Magento, Shopify, WooCommerce, or custom systems.
  • Supported Methods: Look for various payment options including cards, bank transfers, payment links, and mobile wallets to suit a broader customer base.
  • Multi-Currency Support: Essential for businesses looking to expand globally, avoiding conversion-related issues.
  • Customer Support: 24/7 service and fast dispute resolution help maintain trust and reliability.
  • Mobile Optimization: A gateway that supports mobile ensures a seamless experience across all devices.

These points are crucial for businesses in Pakistan looking for a payment gateway that offers flexibility, scalability, and trust in handling ecommerce and digital payments.

Top-Rated Payment Gateways Supporting Shopify & Online Checkout in Pakistan

Whether you run an e-commerce store or use Shopify in Pakistan, selecting the best payment solution ensures smooth payment acceptance and supports online payments in Pakistan. This guide will help you in finding the best payment gateway for your needs.

Paykassma

Paykassma

4.8

PayU

PayU

4.7

Pay4X

Pay4X

3.9

Paycos

Paycos

3.9

Fonepay

Fonepay

3.9

HBLPay Checkout – Trusted Payment Gateway by HBL Bank in Pakistan

HBLPay Checkout, powered by Habib Bank Limited, is a leading payment gateway in Pakistan that supports a wide range of payment methods, both local and international. As an e-commerce payment gateway, it enables companies in Pakistan to accept online payments securely, including on platforms such as Shopify and WooCommerce. Known for strong compliance and security, HBLPay offers a comprehensive digital payment solution that helps businesses streamline their payment process anywhere in Pakistan. In the growing payment gateway industry, it stands out as one of the top choices for online shopping and cross-border transactions.

CharacteristicValue
Setup feePKR 50,000
RequirementsBusiness registration and bank account with HBL
Accepted methodsVISA, MasterCard, Union Pay International, PayPak debit/credit cards, E-wallets, Card-less transactions
Available countriesPakistan
Supported currenciesPKR, USD, CAD, GBP, AED, EUR
Setup feePKR 50,000
RequirementsBusiness registration and bank account with HBL
Accepted methodsVISA, MasterCard, Union Pay International, PayPak debit/credit cards, E-wallets, Card-less transactions
Available countriesPakistan
Supported currenciesPKR, USD, CAD, GBP, AED, EUR

Pros

  • International transaction support is great
  • Advanced reporting and analytics tools
  • Seamless integrations with major e-commerce platforms

Cons

  • More expensive to set up, especially for smaller businesses
  • Less support for digital wallets

NayaPay Arc – Modern Payment Solution for Digital Businesses in Pakistan

NayaPay Arc is among the fastest-growing and most innovative payment gateway providers in Pakistan, often considered the best international payment gateway for freelancers, small businesses, and e-commerce. It offers various online payment options, including support for Shopify payment gateway integration. With a strong focus on security and compliance, NayaPay ensures secure online payment solutions and meets the needs of a growing payments market across Pakistan. As one of the top internet payment gateways, it stands out as the best for those choosing a payment gateway that is both flexible and future-ready.

CharacteristicValue
Setup feeNone
RequirementsCNIC and business/freelance registration
Accepted methodsVisa, Mastercard, PayPak, UnionPay, e-wallets, bank transfer, NayaPay
Available countriesPakistan
Supported currenciesPKR
Setup feeNone
RequirementsCNIC and business/freelance registration
Accepted methodsVisa, Mastercard, PayPak, UnionPay, e-wallets, bank transfer, NayaPay
Available countriesPakistan
Supported currenciesPKR

Pros

  • Very friendly to international transactions
  • Special care for freelancers and SMEs
  • Smooth onboarding and seamless integration with websites and apps

Cons

  • Poor support for specific local methods
  • Still relatively new into the market, that may raise some kind of issue with trust

United Bank Limited (UBL) – Leading Bank-Based Payment Gateway in Pakistan

United Bank Limited (UBL) is a strong and adaptable payment gateway solution in Pakistan, trusted by both large and small online businesses. With extensive banking experience and robust infrastructure, UBL supports a wide range of payment methods for local and international transactions. As one of the top payment gateways available in Pakistan, it meets the growing demands of the digital payments market growth and remains a preferred choice among e-commerce platforms, including the best payment gateway for Shopify.

CharacteristicValue
Setup feePKR 40,000
RequirementsBusiness registration and bank account with UBL
Accepted methodsVisa, MasterCard
Available countriesPakistan
Supported currenciesPKR, USD, GBP, EUR, AED, SAR
Setup feePKR 40,000
RequirementsBusiness registration and bank account with UBL
Accepted methodsVisa, MasterCard
Available countriesPakistan
Supported currenciesPKR, USD, GBP, EUR, AED, SAR

Pros

  • Strong brand and is generally very reliable
  • Supports any forms of paying, both national and international
  • Very good customer support and dispute resolution

Cons

  • Generally higher transaction fees than purely digital gateways
  • Longer onboarding time for newer businesses

XPay – All-in-One E-Commerce & International Payment Gateway in Pakistan

XPay is an integrated gateway for businesses seeking security and efficiency. It allows both 2D and local options, making it ideal for businesses offering multiple online transaction services. XPay strives to provide fast, reliable, secure services in the broadest industries.

CharacteristicValue
Setup feeNone
RequirementsBusiness registration, CNIC, and bank account details
Accepted methods2D payments, credit/debit cards, bank transfers, e-wallets, BNPL
Available countriesPakistan
Supported currenciesPKR, USD
Setup feeNone
RequirementsBusiness registration, CNIC, and bank account details
Accepted methods2D payments, credit/debit cards, bank transfers, e-wallets, BNPL
Available countriesPakistan
Supported currenciesPKR, USD

Pros

  • The transaction processing and reporting are fast
  • It is highly secure because it is compliant with PCI-DSS
  • It offers 2D and multi-currency options

Cons

  • It has limited awareness and market penetration compared to other big players
  • Mainly centers its transactions around card usage, limiting other forms of available methods

FonePay – Digital Payment Solution for Quick Mobile Checkout in Pakistan

Learn more
3.9

FonePay is a popular digital solution. It offers users speedy, secure, and convenient services. It enables customers and retailers to facilitate transactions easily through QR codes, mobile numbers, or bank accounts.

CharacteristicValue
Setup feeNone
RequirementsCNIC and mobile registration
Accepted methodsQR codes, digital wallets, bank transfers, credit/debit cards
Available countriesPakistan
Supported currenciesPKR
Setup feeNone
RequirementsCNIC and mobile registration
Accepted methodsQR codes, digital wallets, bank transfers, credit/debit cards
Available countriesPakistan
Supported currenciesPKR

Pros

  • This payment gateway for Pakistan supports almost all methods, including QR code-based
  • Integration with most e-commerce sites is easy
  • Security and compliance are superb

Cons

  • Limited international transaction support
  • Transaction fees can be higher for certain services

Keenu Wallet – Local Payment Gateway for E-Commerce & Retail in Pakistan

Keenu Wallet is a processing facility that delivers a secure, convenient, and real-time gateway payment to consumers and businesses. It is committed to encouraging a cashless culture. It offers users multiple paying ways, making Keenu Wallet one of the most versatile options for e-commerce websites and general usage.

CharacteristicValue
Setup feeNone
RequirementsCNIC and mobile registration
Accepted methodsDigital wallet, QR codes, POS, Visa, MasterCard
Available countriesPakistan
Supported currenciesPKR
Setup feeNone
RequirementsCNIC and mobile registration
Accepted methodsDigital wallet, QR codes, POS, Visa, MasterCard
Available countriesPakistan
Supported currenciesPKR

Pros

  • Multi-channel modes: POS, digital wallet, and QR code
  • Strong security measures to prevent leakage of transactions.
  • Integration of online-offline payment systems

Cons

  • Partial international transaction support capability.
  • It may provide slower onboarding of the business

Paykassma

Learn more
4.8

Paykassma is a global payment aggregator facilitating seamless online transactions for businesses and consumers in Pakistan.

CharacteristicValue
Setup FeeNone
RequirementsRegistered business and KYC documentation
Accepted MethodsVisa, MasterCard, bank transfers, EasyPaisa, JazzCash
Available CountriesMultiple countries, including Pakistan
Supported CurrenciesPKR, USD, EUR, GBP, AUD, BDT, BRL, INR, IDR, MYR, MXN, NPR, PHP, PLN, LKR, THB, VND
Setup FeeNone
RequirementsRegistered business and KYC documentation
Accepted MethodsVisa, MasterCard, bank transfers, EasyPaisa, JazzCash
Available CountriesMultiple countries, including Pakistan
Supported CurrenciesPKR, USD, EUR, GBP, AUD, BDT, BRL, INR, IDR, MYR, MXN, NPR, PHP, PLN, LKR, THB, VND

Pros

  • Compatible with numerous currencies, facilitating international transactions
  • Does not impose rolling reserves or chargebacks, allowing immediate access to all funds
  • Offers an intuitive platform for managing payments

Cons

  • Certain transactions may incur higher fees, particularly for currency conversion and withdrawals
  • Fees can vary depending on the type of transaction or currency conversion

FAQ

Which is the Best Payment Gateway in Pakistan for E-Commerce & Shopify?

For businesses focusing on local transactions, JazzCash and EasyPaisa offer comprehensive solutions. Bank Alfalah, HBLPay Checkout, and NayaPay Arc are the best payment gateways in Pakistan for international transactions due to their multi-currency support and global reach.

What Are the Most Common Online Payment Methods Used in Pakistan?

The most used online payment gateways in Pakistan include digital wallets (e.g., EasyPaisa, JazzCash), credit/debit cards, and bank transfers. QR code payments are also gaining popularity, especially for retail transactions.

Is Razorpay Available as a Payment Gateway for Pakistani Businesses?

No, Razorpay is not currently available in this country. However, there are several local payment gateways Pakistan, such HBLPay Checkout, NayaPay Arc, and Bank Alfalah, which offer similar services for handling both local and international operations.