Here is the list of payment service providers in Pakistan. It includes startups, banks, and telecom companies offering digital financial solutions. The product categories focused here include general online and mobile banking, micro lending, mobile wallets, and payment gateways.

(If you think some information is wrong or missing, request for a change of information here)


Company Name Functions Mobile Apps Details
Finja SIMSIM Wallet
Payroll software
Merchant solutions for payments
SIMSIM (Android) FINJA is a zero cost payment platform with an integrated loan and E-Commerce market place, founded by veterans of tech and banking industry. A Pakistani fintech with a mission to make payments free, frictionless and real time.
Oneload Wallet
OneLoad (Android) OneLoad is a universal telecom balance which can be used to purchase Pre-paid vouchers and Mobile Load for all major Telecom Service providers in Pakistan. Users can use OneLoad for prepaying for mobile phone and broadband services
CareemPay Careem Wallet Careem (Android) Careem Wallet is where all the information and options related to payment and earning options are in Careem App. Careem Wallet can be used to topup credit through your credit card or vouchers or via  partners and selecting your preferred loyalty program to earn rewards with. You can check your credit and the option to use your credit during your trips.
Fonepay by Innov8 Software House
FonePay (Android) FonePay is the easiest way to pay anyone or for anything instantly! It is a single platform that will manage your payments, loyalty, rewards and much more!
Monet Software House
Payment Gateway
N/A Monet offers a secure payment processing solution, allowing merchants and businesses to expand the selling radius with

  • Payment Acceptance through cards
  • Acceptance of Visa, MasterCard and UnionPay
  • Offer discounts / loyalty program and support all type of payments
  • Real-time Payment Information
TPS Software House
Payment backend solutions
N/A TPS is a leading provider of cards and payment solutions trusted by over 120 customers spread across 30+ countries including Middle East, South Asia and Africa with increasing footprint across other regions. TPS solutions and services enable banks, telecoms, central banks, payment processors, national switches and other institutions in their mission critical digital banking, cards and payments services.
Autosoft Dynamics Software house
AutoBANKER – Financial solutions
N/A AutoSoft has built a strong specialization in specific areas within the banking domain. Across the retail, corporate and Islamic banking business, AutoSoft has aligned development teams, business experts and testing & QA teams on these dimensions.
AutoSoft’s modular financial solutions give banks the confidence to start with their essential requirements but are flexible enough to seamlessly add new modules as and when their need arises.
MCB Bank Payment Gateway and related solutions MCB Mobile Banking (Android) MCB Bank Limited is the largest private sector bank in Pakistan and accepts all international & local Visa/ MasterCard/ China Union Pay credit & debit cards. MCB offers payment gateway for the rising Pakistani e-Commerce Industry, by providing merchants with a secure and efficient card processing service online through MCB eGate. A cardholder can use any Visa or MasterCard issued by any bank both locally or international for making payments to the online merchants. MCB eGate is backed by MIGs (MasterCard Internet Gateway Services) that provides 3D secure solution.
JazzCash Payment gateway
Branchless Banking Solutions
Corporate Solutions
JazzCash (Android) JazzCash provides branchless banking solution in partnership with Waseela microfinance bank. JazzCash aims to provide the people of Pakistan complete financial liberation that they have always wanted in life. Users can send money to CNIC, bank account or JazzCash mobile account.
HBLHBL Konnect Payment Gateway
Bank Debit API
HBL Mobile (Android), HBL Konnect (Android) HBL provides payment gateway for emerchants, mobile bank account, over the counter services and home remittance account via their Konnect app.
Konnect by HBL is a complete financial services solution that provides easy account opening, instant funds transfers, seamless payments at retail outlets and e-commerce websites and access to a variety of financial services.
Telenor Bank Easypaisa – Payment Gateway

Easypaisa TILL
Virtual DebitCard

Easypaisa (Android) Telenor Microfinance Bank Limited, is the first scheduled microfinance bank in Pakistan. It provides micro‐finance and related financial services to the less privileged and unbanked segment of the society, with an aim to contribute towards poverty eradication under the Microfinance Institution ordinance, 2001.
Easypaisa, launched in 2009, is Pakistan’s first mobile banking platform by the bank. It now has the largest nationwide footprint. With Easypaisa, the common man now has access to an easy and convenient avenue for all his financial needs.
CreditFix Digital Lending
Loan marketplace
CreditFix (Android)
Creditfix provides shariah compliant asset based micro loans to underserved consumers and micro and small businesses at fair price through an android app using their AI driven Digital Lending Platform. Customers can get their loans without having to walk into any physical premises or submitting physical documents.

Originally poised as a digital lending marketplace focused on customer acquisition and risk processing, Creditfix is currently helping banks digitize their lending operations. At seed funding stage, Creditfix is also set to operate as an NBFI and build its own loan book.

TEZ Fin Digital Lending Tez (Android) Tez Financial Services is a fintech company that provides instant access to financial services through a mobile application. You can use Tez Financial Services to borrow, save, insure and invest money.
Bank Alfalah App
Payment Gateway
Alfa (Android) Alfalah Internet Banking offers you the convenience of banking from anywhere, anytime. Alfalah Internet Banking offers a range of financial services and payment facilities like utility bill payments, mobile topup, donations, online shopping, or gift vouchers. Alfalah’s Online Payment Gateway, powered by MasterCard Payment Gateway Services (MPGS), is a state of the art payment gateway. It allows customers to enable card payments on their websites and apps.
Askari Bank Ltd. Digital Banking
PayMax (Android), Askari Mobile App (Android) Askari Bank and China Mobile Pakistan (Zong) have jointly re-launched their branchless banking program under the brand name of PayMax. Askari Bank offers three types of mobile banking solutions to its customers:

  • Askari Lite Mobile Banking
  • Askari USSD Mobile Banking
  • Askari Mobile Application
Meezan Bank Online/Mobile Financial Services Meezan Mobile Banking (Android) Meezan Mobile Banking App provides features such as paying utility bills, checking balance, view last 8 transactions with details, transfer funds, IBFT, and temporarily activate or deactivate your Meezan debit cards.
Standard Chartered Online/Mobile Financial Services SC Mobile Pakistan (Android) With SC’s online and mobile banking you can transfer funds and pay bills, check your account balance and transaction history, find the nearest ATM or bank branch, and more
UBL Omni Mobile Financial Services. Branchless banking UBL Digital App (Android) UBL Omni Mobile App aims to facilitate customers with an all-round access to their Omni Accounts, whenever and wherever they want. With this app you can do fund transfers, pay bills, check banking and transaction details all hosts of banking services.
Ufone Pay/Upaisa Mobile Financial Services My Ufone (Android) UPaisa’s mobile account functions just like a normal bank account, however it has the added advantage that it can be used anytime anywhere. You may get your own mobile account by going to any Ufone Sales and Service Centers, Ufone Franchise or UBank branch. UPaisa’s Mobile Account is fast, secure, convenient and innovative .It is the solution to all your banking needs.
Keenu Digital Wallet Keenu Wallet (Android) Keenu Wallet is a Free Digital Wallet application, introduced by Wemsol Private Limited. Keenu Wallet helps you make quick, secure and rewarding payments. With this wallet, you can make a purchase at your favourite retail outlet, shop online, request and share money with friends, pay utility bills from home and more. No need to worry about carrying cash or credit card anymore.
Foree Digital Payments N/A Foree Pakistan is a fintech startup that focuses on the deliverance of efficient payment solutions to all kinds of businesses. While large scale businesses find it easier to use other alternatives at competent and strict business restrictions, it facilitates even the smallest merchants. Its aim is to regularize digital payments even in small scale businesses without the need for any expensive POS machines.
Nayapay Digital Payments N/A Nayapay is a fintech startup that aims to facilalte users with paying bills and sending cash, the customers will also be able to transfer money through a secure EMVCo. QR code. Nayapay app will allow its users to connect their debit cards.
Avanza Solutions Software House,
Digital Financial Solutions
Ambit Online & Mobile Banking Platform (Ambit) Avanza Group of Companies – a 20-year-old technology powerhouse that contributes to a range of industries with its state-of-the-art products that include advanced channel banking applications, customer experience management solutions, Blockchain, AI, and Smart City applications. Avanza Group of Companies is one of the most established software houses in the region and beyond, with over 500+ employees globally and 350+ customers across three continents.Related Articles
PayPro  Digital Financial Solutions N/A PayPro is a FinTech Company that allows businesses to digitally bill and collect payments/fees from their customers.
List of Delivery Services in Pakistan List of Online Marketplaces and Ecommerce stores in Pakistan

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