NayaPay
NayaPay Arc is a digital payment gateway designed for entrepreneurs and small‑to‑medium businesses in Pakistan. It provides tools for payment acceptance, invoicing, reporting, and financial management. The platform features seamless onboarding for verified business accounts, offering higher transaction limits and access to business-specific features.
Freelancers and SMEs benefit from NayaPay Arc’s low-fee structure, user-friendly interface, and 24/7 support. Users can receive international remittances from over 60 global partners and transact via physical or virtual Visa debit cards. While the platform is praised for its simplicity and free card issuance, some users report issues such as high withholding taxes and delays in account activation or dispute resolution.
| Characteristic | Details |
|---|---|
| Regions | Pakistan SME market |
| Getting started | Register business & verify CNIC/FBR |
| Commission per transaction | Low |
| Payment methods accepted | Visa card, wallet, remittance partners |
| Fraud & Risk management | PCI-DSS, ISO 27001, dispute resolution |
| Accepted Currencies | PKR, USD via remittance partners |
| Set up type | Online registration |
| Onboarding & Approvals time | A few days |
| Recurring Billing | Yes – via invoicing/links |
| SDK Stacks | APIs for wallet, payment links |
| Settlement time | Standard business settlement |
| Payouts support | Yes, to local bank account |
| Split payments | Supported (Bill Split feature) |
| RegionsPakistan SME market | |
| Getting startedRegister business & verify CNIC/FBR | |
| Commission per transactionLow | |
| Payment methods acceptedVisa card, wallet, remittance partners | |
| Fraud & Risk managementPCI-DSS, ISO 27001, dispute resolution | |
| Accepted CurrenciesPKR, USD via remittance partners | |
| Set up typeOnline registration | |
| Onboarding & Approvals timeA few days | |
| Recurring BillingYes – via invoicing/links | |
| SDK StacksAPIs for wallet, payment links | |
| Settlement timeStandard business settlement | |
| Payouts supportYes, to local bank account | |
| Split paymentsSupported (Bill Split feature) |
Pros
- No setup or annual fees
- Quick digital onboarding
- International remittance support
- 24/7 customer service
Cons
- High withholding tax
- Slow dispute resolution
- Reports of account blocks and unreleased funds
- Occasional OTP and security issues
Why NayaPay Leads Digital Payments Growth in Pakistan’s SME Market
NayaPay Arc offers small businesses and freelancers a modern platform for managing payments and cash flow with minimal fees. It supports invoicing, international transfers, and Visa card usage, making it ideal for businesses that operate digitally or receive payments from abroad. The platform minimizes friction in financial operations with a clean interface and responsive support.
For business owners, NayaPay Arc simplifies daily financial management. Its tools for reconciliation, automated notifications, and integration with local and global partners allow users to stay in control without relying on traditional banks. It's a practical solution for anyone looking to reduce costs while staying compliant.
Setting Up a NayaPay Digital Bank Account for Mobile Payments in Pakistan
To get started, register online as a business or freelancer. Submit your CNIC and, if applicable, FBR documentation to unlock full features. Once approved, you can generate payment links or invoices, receive international transfers, and use the Visa card for spending. Funds can be loaded and withdrawn via supported methods.
Users can monitor their activity via a dashboard and reach out to support for help. The platform provides clear workflows, though some users report occasional delays in transaction processing or document verification.
NayaPay Review: Pakistan’s Secure Fintech Wallet for Mobile Transactions
NayaPay Arc has earned praise for its ease of use, low cost, and accessibility for underbanked business owners. Its ability to receive remittances and make local payments with one platform is a strong selling point. However, customer reviews also highlight shortcomings in support speed and transparency, especially when disputes arise.
Some users mention delayed refunds and blocked accounts without clear reasoning. While the platform works well for most, these issues suggest operational gaps that NayaPay must continue to address to build trust.
Is NayaPay a Secure Digital Banking Platform? Safety, Fraud, and Account Risks
There have been reports of unauthorized deductions, frozen funds, and ATM errors that resulted in money being debited without completion. Users describe disputes taking up to several days or more to resolve, sometimes without full clarity. Concerns have also been raised about the responsiveness of the support team in such cases.
In response, NayaPay has implemented international security certifications (PCI-DSS, ISO 27001) and is regulated by the State Bank of Pakistan. Users are encouraged to update PINs regularly, report suspicious activity immediately, and use in-app security settings to protect their funds. The company also operates a Responsible Disclosure Program to improve platform integrity.
NayaPay Account Fees: What Mobile Banking in Pakistan Really Costs
There are no setup or annual fees for using NayaPay Arc. Transaction commissions are minimal, making it attractive for startups and freelancers. While refund or dispute-related charges aren't clearly stated, some users report incidental deductions or hidden fees during issue resolution.
How NayaPay Supports Fintech Growth for Small Businesses in Pakistan
NayaPay Arc is tailored for SMEs, freelancers, and startups operating in Pakistan. It helps businesses reduce banking costs while accessing modern financial tools like invoicing, payout tracking, and customer payment links. Its integration with international remittance partners makes it especially suitable for businesses with global clients.
Which Type of Business
The service fits best with service providers, remote freelancers, and small teams who need quick access to funds and simple invoicing. Businesses that rely on receiving funds from abroad, such as agencies or consultants, will find the remittance support particularly helpful.
For Physical Clients
Retailers and service-based businesses can use the platform with physical cards, POS payments, and cash withdrawals. Bill-splitting, invoice generation, and gift payments offer flexibility for in-person transactions. The Visa debit card allows seamless local purchases, and settlement times are generally reliable.
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FAQ
How long does onboarding and account approval take?
Account approval typically takes a few business days after submitting required documents. For unregistered businesses, limits are lower, and additional verification is required to unlock the full suite of features. Some users experience delays if documents are incomplete or during high-demand periods.
How is tax deducted on transactions?
Withholding tax is applied according to Pakistani regulations. This often leads to a noticeable deduction from international payments. While the process is automated, users have expressed concern over the lack of transparency and difficulty calculating the net amount received.
What happens if a transaction fails but funds are deducted?
In cases of ATM or wallet transaction failures, users have reported that funds were debited but not returned immediately. Dispute resolutions typically take between 2–5 business days. Support may request documentation or transaction IDs to initiate the process.
Is it safe to keep funds in a NayaPay Arc wallet?
The platform uses industry-standard encryption and is certified with PCI-DSS and ISO 27001. However, user feedback indicates occasional issues with blocked accounts or unauthorized activity. While NayaPay has taken steps to secure the platform, users are advised to take personal security measures as well.
Can I use NayaPay Arc without a registered business?
Yes, but there are limitations. Unregistered users face capped transaction volumes and limited access to invoicing or reporting tools. Submitting formal business documentation unlocks higher limits and full feature access, making it more suitable for long-term professional use.
