Pakistan
Best Payment Gateways in Pakistan for Shopify and E-Commerce
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Online population
BC2 e-commerce
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:
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
PayU
PayU
Pay4X
Pay4X
Paycos
Paycos
Fonepay
Fonepay

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.
Characteristic | Value |
---|---|
Setup fee | PKR 50,000 |
Requirements | Business registration and bank account with HBL |
Accepted methods | VISA, MasterCard, Union Pay International, PayPak debit/credit cards, E-wallets, Card-less transactions |
Available countries | Pakistan |
Supported currencies | PKR, 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.
Characteristic | Value |
---|---|
Setup fee | None |
Requirements | CNIC and business/freelance registration |
Accepted methods | Visa, Mastercard, PayPak, UnionPay, e-wallets, bank transfer, NayaPay |
Available countries | Pakistan |
Supported currencies | PKR |
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.
Characteristic | Value |
---|---|
Setup fee | PKR 40,000 |
Requirements | Business registration and bank account with UBL |
Accepted methods | Visa, MasterCard |
Available countries | Pakistan |
Supported currencies | PKR, 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.
Characteristic | Value |
---|---|
Setup fee | None |
Requirements | Business registration, CNIC, and bank account details |
Accepted methods | 2D payments, credit/debit cards, bank transfers, e-wallets, BNPL |
Available countries | Pakistan |
Supported currencies | PKR, 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
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.
Characteristic | Value |
---|---|
Setup fee | None |
Requirements | CNIC and mobile registration |
Accepted methods | QR codes, digital wallets, bank transfers, credit/debit cards |
Available countries | Pakistan |
Supported currencies | PKR |
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.
Characteristic | Value |
---|---|
Setup fee | None |
Requirements | CNIC and mobile registration |
Accepted methods | Digital wallet, QR codes, POS, Visa, MasterCard |
Available countries | Pakistan |
Supported currencies | PKR |
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
Paykassma is a global payment aggregator facilitating seamless online transactions for businesses and consumers in Pakistan.
Characteristic | Value |
---|---|
Setup Fee | None |
Requirements | Registered business and KYC documentation |
Accepted Methods | Visa, MasterCard, bank transfers, EasyPaisa, JazzCash |
Available Countries | Multiple countries, including Pakistan |
Supported Currencies | PKR, 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.