Disclaimer: This is not officially approved content from HBL team

This article is intended for customers looking for payment gateways to accept digital payments in Pakistan from across the world globally.

HBL is the largest commercial bank in Pakistan. HBL Internet Payment Gateway enables your online business (conducted through website, mobile app and/or Facebook page) to accept payments through Visa / MasterCard Credit and Debit cards.

Prominent Features

  • Multi-currency support – Payments can be made in all major currencies.
  • Real time funds transfer – Direct credit of funds into your HBL account in real time
  • Merchant PortalIt allows you to view transaction details, transaction history including refund and reversal based transactions and report download.
  • Fraud Management ModuleIt provide you with high level of security through fraud prevention tool. The tool is being used worldwide by global companies including Emirates Airlines, Virgin Airlines, etc.
  • 3D Secure – Verified by Visa/MasterCard secure code​
  • Certified – PCI DSS certified payment gateway​.
  • Rules-Based Payer Authentication – fraud management system and some different modules which apprise our merchants regarding fraud on transactions in real time, settlement of transactions are in 24 hours, daily reports, easy access to portal.

Supported Payment Schemes

HBL payment gateway supports VISA & MasterCard enabled debit and credit cards for national as well as international payments.

How to apply for HBL IPG

In order to sign up for HBL Internet Payment Gateway services, please email us at hbl.ipg@hbl.com.

Application criteria
Please ensure that you fulfil the following criteria before applying:

  1. You have a running business in Pakistan with live website, mobile app or facebook page
  2. You have privacy, refund, and delivery policies defined and mentioned on your page
  3. You have a SECP certificate available incase you fall under big business category.
  4. You have a valid CNIC

How does the signup process work?

  1. Once you get in touch with HBL team, they will have a preliminary discussion with you to discuss your requirement and will request you to submit few documents as per your company / business status.
  2. During the documentation and account opening phase, they will provide you with an integration guide that will help you to integrate and test the solution on your website / mobile application/Facebook page.
  3. Once the integration and documentation is completed, live credentials of your account will be provided to you and your business will be is ready to accept the payments across the world.

Turnaround Time

  • Once you initiate request for integrating IPG services, it will require 5-7 working days. This time also includes documentation and account opening.

Got any query?

You can contact the team at hbl.ipg@hbl.com.

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