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Payment Gateway in Pakistan: What You Should Know

In this article, you’ll learn about the payment gateways in Pakistan and what they can do for your business. So read on to find out more information!

Payment gateways are used to process credit card payments. They convert the information from a credit card number into a secure code sent to the online business for processing. You usually use your credit or debit cards through these payment gateways when shopping online.

Why is a Payment Gateway in Pakistan Necessary?

Payment gateway services are necessary for Pakistan. This is because the country has a low level of online penetration, which means that many people are still using cash and not using the internet to make payments. Apart from this, there are also various reasons why a payment gateway in Pakistan. Some of these reasons include the following:

  • Pakistani businesses need to take advantage of online opportunities to increase their sales and reach new customers.
  • The payment gateway service can help businesses process credit and debit card payments as well as other digital payments such as mobile wallets.
  • It can also help businesses to reduce processing costs since they will no longer have to invest in their payment processor.
  • In addition, the payment gateway service can help increase security for businesses by providing them with protection from cybercrime.

Top 3 Payment Gateways of Pakistan

Pakistan is one of the countries where online payments are taking off. The country’s population is around 180 million and is expected to grow to over 300 million by 2020. According to a report by Markets and Markets, the Pakistani e-commerce market is expected to grow from $2.5 billion in 2017 to $7.8 billion by 2025.

To facilitate this growth, Pakistan has established several payment gateways that allow customers to make payments online. Here are the five most popular payment gateways in Pakistan:

  • Paytm: Paytm is India’s largest mobile commerce company and operates in over 200 countries. It has a presence in Pakistan through its subsidiary Paytm Payments Bank. As of February 2019, it had over 200 million active users in Pakistan and was accepted by over 60% of merchants nationwide.
  • AliPay: Ali Pay is China’s leading online payment provider, with over 900 million active users as of December 2018. It operates in more than 190 countries and is accepted by most major merchants worldwide. In addition to credit cards, AliPay supports offline payments such as cash-on-delivery and direct bank transfers.
  • MasterCard: MasterCard operates in more than 210 countries and is the world’s second-largest payment card issuer after Visa. As of March 2019, it had a market share of 34% in the Pakistani e-commerce market and was accepted.

There are many payment gateways available in Pakistan, but some of the most popular ones include PayPal, WorldPay, MasterCard, and Visa. Each of these payment gateways has its own benefits and drawbacks, so it’s important to choose the one that best suits your needs.

One of the main benefits of using a payment gateway is that it allows you to process payments from many customers. This means you can easily earn money from your online business by processing payments through a payment gateway.

However, not all payment gateways are equal. Some offer better rates than others, and some have more robust features than others. It’s important to do your research before choosing a payment gateway to ensure that it’s the best option for your business.

Reasons to Choose a Specific Payment Gateway

You might want to choose a certain payment gateway for many reasons. Some of the key factors to consider include the following:

Speed and Processing Time: Your customers will appreciate a fast payment gateway that processes orders quickly.

Security: Certain payment gateways offer enhanced security features, such as SSL encryption, which can help protect your information from hackers’ access.

Acceptance Rates: It’s important to choose a payment gateway with high acceptance rates, so your customers will have no trouble completing transactions through your platform.

Fees: Not all payment gateways are created equal – some charge higher fees than others. It’s important to research the fees associated with different gateways before deciding.


A payment gateway in Pakistan can be a great way to boost your business. Here we have compiled some important things you should know about payment gateways before getting started:

  • There are different payment gateways available, so choose the one that best suits your business needs.
  • Payment gateways come with various features and fees, so compare them before choosing one.
  • Some payment gateways require registration, while others are free to use.
  • Make sure you read the terms and conditions of the gateway carefully before activating it.


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