JazzCash
Enable a JazzCash PKR route only when it is active for the approved merchant project and amount.
Online payment gateway Pakistan
Accept online payments in Pakistan with one merchant checkout
Pakistan Payment Gateway gives ecommerce stores, service businesses, and platforms a focused payment layer for hosted checkout, payment status notifications, settlement reporting, refunds, and developer-led integrations.
Hosted checkout
API-ready
Settlement reports
Project currency
PKR
Project-specific
- Methods
- Approved list
- Confirmation
- Signed postback
- Activation
- After test review
CheckoutHosted payment page
Send customers to a secure payment page with clear return states.
StatusPayment status API
Verify successful, failed, pending, and refunded transactions server-side.
OperationsMerchant reporting
Track orders, refunds, settlements, and support evidence from one place.
Platform
A payment gateway built around merchant checkout
Pakistan Payment Gateway connects your customer checkout with authorization, payment status, refund, and reporting workflows. Merchants can start with hosted checkout, then move deeper into APIs and webhook-based order updates as their operation grows.
The platform is structured for ecommerce stores, marketplaces, education providers, service companies, and digital businesses that need payment acceptance to feel operationally reliable, not bolted on after the order is placed.
Customer
→
Checkout
→
Payment gateway
→
Payment network / provider
→
Confirmation
Payment acceptance
Payment methods available through one checkout flow
Easypaisa
Offer Easypaisa through the configured project flow and keep the gateway reference attached to the order.
Raast payment gateway
Accept Raast P2M through checkout, Request to Pay, or QR with server-side status confirmation and reconciliation records.
NayaPay
Present NayaPay only when the current project configuration confirms availability and limits.
Merchant operations
Everything your payment gateway should handle after checkout
Payment acceptance is only the first moment. Your team also needs onboarding, refunds, settlement visibility, order status, reporting, and support paths that work during real customer operations.
| Selection area | Hosted checkout | Merchant dashboard | Developer API | Operations support |
|---|---|---|---|---|
| Payment methods | Display supported customer payment choices in one checkout. | Track payment method performance by order and channel. | Create payment sessions with method preferences. | Help merchants configure the right method mix. |
| Merchant onboarding | Collect business details before live activation. | Show onboarding status and required next steps. | Separate sandbox setup from production activation. | Review documents and guide merchant readiness. |
| Ecommerce integration | Launch with a secure hosted payment page. | Connect transactions to order references. | Use payment session, return URL, and status endpoints. | Support implementation questions before go-live. |
| Settlement considerations | Confirm payment success at checkout. | Export settlement and reconciliation reports. | Retrieve transaction status for finance systems. | Explain settlement schedules during onboarding. |
| Refund workflow | Send customers through a controlled payment outcome. | Initiate and monitor refunds from merchant tools. | Receive webhook updates for refund status. | Assist with exception cases and support tickets. |
| API availability | Works without heavy frontend payment logic. | Expose transaction data to operations teams. | Integrate payment creation, verification, and webhooks. | Provide technical onboarding for developers. |
| Hosted checkout | Reduce sensitive data handling in the merchant website. | Keep checkout outcomes visible to support staff. | Redirect customers with signed references. | Help test success, failure, and pending flows. |
| Signed payment confirmation | Return the customer to a clear result page. | Keep the notification and merchant reference together. | Validate the postback signature before changing order state. | Test duplicate and delayed notifications before launch. |
| Reporting | Show clear result pages to customers. | Give finance teams searchable transaction records. | Sync status into ERP, CRM, or order systems. | Support reconciliation questions after launch. |
| Support | Guide customers to clear checkout outcomes. | Give merchant teams the context to answer payment questions. | Log request references for debugging. | Escalate operational issues with transaction evidence. |
New online store: start with hosted checkout and simple order references.
Established ecommerce business: add reporting, refunds, and support workflows.
Marketplace: discuss payout and account structure during onboarding.
Remote sales team: confirm whether payment-link creation is enabled for the project.
International customers: review currency, risk, and settlement requirements.
Operational view
The payment flow, from checkout to settlement
- StartMerchant backend creates the payment
The server sends the amount, PKR currency, merchant reference and return details, then receives the hosted payment URL.
- SecurePayment details are securely transmitted
The checkout sends transaction details through the gateway or provider flow. Sensitive data handling depends on the integration model and provider controls.
- RouteThe transaction is routed for authorization
The provider, bank, wallet, or payment network evaluates the request and returns an approved, declined, pending, or failed status.
- ReturnThe result returns to the checkout
The merchant website needs a reliable customer-facing result page and a server-side status confirmation so order records stay accurate.
- SettleSuccessful transactions move toward settlement
Authorized transactions are reported for settlement according to the provider's schedule, policies, and merchant account setup.
Merchant onboarding
Prepare your account for live payment acceptance
Our onboarding flow begins with KYC and AML review, then collects the business, technical and settlement details needed to move from a test project to live payment processing.
Business eligibility
Required merchant documents
Supported payment methods
Settlement schedule
Transaction and other applicable fees
Refund handling
Chargeback or dispute processes
API key and project ID
API documentation
Sandbox or testing access
Security requirements
Technical support
// Hosted checkout payment session
createOrder()
.then(order => ppg.checkout.create({
amount: order.total,
currency: "PKR",
orderReference: order.id,
returnUrl: "/payment/return"
}))
.then(result => verifyPaymentStatus(result.reference))
.then(status => updateOrder(status));
// Keep the API key and project ID on your server.
// Validate signed postbacks before updating an order.Developer tools
Payment gateway integration
Hosted checkout
A hosted checkout sends the customer to a provider-controlled payment page. It is often the simplest way to reduce direct handling of sensitive payment data.
Hosted payment page
Even a hosted customer flow begins on the merchant backend, where credentials are protected and the payment request is linked to an internal order.
Direct API integration
Direct APIs can support custom checkout flows, but they require stronger developer discipline, server-side secrets, error handling, webhook verification, and security review.
Signed postbacks and testing
Validate signed payment notifications after redirects, timeouts and delayed confirmations. Test successful, failed, pending, refund and duplicate-postback scenarios before launch.
Commerce infrastructure
Online payments and digital commerce in Pakistan
Online payment gateway Pakistan infrastructure has to support how local merchants actually sell: mobile-first shoppers, order confirmation over multiple channels, finance reconciliation, support queries, refunds, and settlement reporting.
Pakistan Payment Gateway is shaped for ecommerce payments Pakistan teams that need one place to manage hosted checkout, transaction status, merchant reporting, payment method coverage, and developer integration.
As merchant needs grow, the payment layer should grow with them: cleaner APIs, stronger webhooks, better operational reports, and support workflows that help teams resolve payment questions quickly.
Search questions
Pakistan payment gateway FAQ
What is a payment gateway in Pakistan?
It is payment infrastructure that connects a merchant checkout to the provider, bank, wallet, or network that authorizes and reports the transaction. The gateway does not automatically mean the merchant has a bank account, wallet account, or settlement agreement; those are handled through provider onboarding.
How can a business accept online payments in Pakistan?
After merchant review, connect a hosted payment page or API from the backend, create PKR payments, test the approved methods and verify signed postbacks before fulfilment.
Which payment methods can a Pakistani ecommerce store accept?
Approved projects may enable JazzCash, Easypaisa, Raast, Bank Alfalah and NayaPay. The live list, limits, fees and settlement terms depend on the merchant configuration.
Is a browser success page enough to confirm payment?
No. Use the signed server notification or a server-side status check before changing the order to paid.
Can payment gateways integrate with ecommerce websites?
Yes. The store backend can create a hosted payment page or use the API directly. Both routes require protected credentials, project identification and server-side status handling.
What documents may be required for merchant onboarding?
Providers commonly ask for business identity, ownership, bank account, tax, website, product, and compliance-related information. Exact requirements vary, so merchants should request the current onboarding checklist before development begins.
How long can integration take?
The timeline depends on onboarding, KYC and AML documentation, backend implementation, test-project evidence, risk review and production activation. No fixed duration is promised.
What should businesses compare before choosing a gateway?
Compare approved PKR methods, limits, fees, settlement terms, backend requirements, postback verification, test access, refunds, reporting and support escalation.
Are payment gateways the same as digital wallets?
No. A digital wallet is a customer payment method or ecosystem. A payment gateway is the merchant checkout and transaction-routing layer. Some companies may offer both, but the roles are different.