HBLPay Payment Gateway

Benefits Of Using

HBLPay Checkout provides a highly secure and versatile digital payment environment tailored for businesses operating in Pakistan. Its all-in-one nature enables acceptance of payments via credit/debit cards, bank transfers, mobile wallets, QR codes, and invoicing links. Merchants can build a consistent and branded checkout experience while leveraging features like tokenisation, recurring billing, fraud analytics, and multi-currency processing. Real-time monitoring and a comprehensive reporting dashboard allow merchants to stay on top of every transaction, refund, and payment trend.

One of the key benefits lies in its seamless integration with popular CMS platforms like WooCommerce, Magento, and Odoo. With just a few steps, businesses can go live using HBL's hosted checkout or API-based model. Settlement within 1–2 working days ensures quick access to funds, while the inclusion of recurring billing and mobile payment options opens doors for service-based and subscription businesses. Additionally, the gateway’s ability to issue branded invoices and secure digital receipts makes it ideal for SMEs and institutions moving toward complete digital transformation.

How the HBL Payment Gateway Works

To begin using the HBL checkout solution, businesses must register in Pakistan and open a current account with HBL. Following compliance and KYC checks, merchants gain access to a powerful dashboard where they can manage their payment flow, configure billing cycles, initiate refunds, and monitor card details and transaction logs.

The platform integrates easily with CMS platforms such as Magento and Odoo, as well as custom-built stores. With support for debit card payments, QR codes, and mobile wallets, businesses can provide a checkout experience that meets the expectations of modern consumers.

Review

Merchants across Pakistan describe HBLPay Checkout as a secure, flexible, and enterprise-level gateway with robust fraud protection. The platform’s advanced features like tokenisation, device profiling, and rule-based fraud filters provide assurance to both merchants and consumers. Clients highlight its adaptability across multiple use cases—from e-commerce sites and educational institutions to government projects and mobile sellers.

However, some smaller merchants consider the onboarding fees and MDR rates relatively high. Additionally, the current limitation to Pakistani-registered businesses narrows its reach for global operations. Despite that, for businesses within Pakistan seeking a trusted banking-grade gateway with full PCI-DSS compliance and a proactive fraud management system, HBLPay Checkout is among the strongest choices available.

Security & Data Protection

The HBL payment gateway leverages CyberSource infrastructure to ensure world-class data security. With no major breaches reported, the platform uses 3D Secure, OTP-based authorisation, and layered device validation to protect card details and personal information.

Off-site token storage and continuous fraud monitoring safeguard both the merchant and the customer. Suspicious activity is automatically flagged and investigated. These features reduce the risk of fraudulent transactions, chargebacks, and data theft.

Account Fees

Merchants using HBLPay Checkout may be subject to a one-time setup fee and an annual maintenance fee—each up to PKR 100,000, depending on business size and expected transaction volume. The merchant discount rate (MDR) varies and is negotiated based on industry type, average ticket size, and transaction count. There are no hidden charges for basic support or access to the admin dashboard. However, advanced data analytics, premium integration support, or custom features may involve additional fees. Refunds do not incur processing charges for the customer, though merchants may be charged reversal fees.

For Business

This payment gateway is ideal for small and medium enterprises (SMEs), educational institutions, utility billers, online retailers, professional service providers, and digital agencies. Businesses using social media platforms to sell products can issue invoices or payment links directly to clients. Additionally, any business that requires secure recurring billing, such as gyms, SaaS startups, or tutoring platforms, will benefit from its subscription engine and tokenisation.

Which Type of Business

HBLPay Checkout is most effective for businesses that operate in Pakistan and want to scale digitally. It’s designed for companies with a stable transaction volume that need fast settlements, detailed reporting, and fraud control. This includes e-commerce platforms, logistics and delivery companies, freelancers invoicing in multiple currencies, educational platforms offering subscription-based content, and even fintechs needing a trusted processor. Its modular architecture makes it suitable for both customer-facing sites and back-office integrations.

For Physical Clients

Though primarily a digital gateway, HBL also provides mobile POS solutions through HBL Tap & Pay, a service that allows contactless card payments using Android smartphones with NFC. This enables businesses with physical locations to accept in-person card payments using secure OTP-based verification. The transaction history remains integrated with the HBLPay dashboard, giving a unified view of both online and offline sales. Physical vendors benefit from fast settlements, secure digital receipts, and fraud monitoring—all from a single provider.