- Payment Gateway · Pakistan
Payment gateway for your website in Pakistan scan, pay, charge.
A payment gateway in Pakistan lets your business accept online payments — cards, Raast, JazzCash, easypaisa, bank transfers and QR — and settle them to your local bank account. Rapid Gateway unifies every Pakistani payment method behind one integration, with published pricing (2% wallet, 2.5% card), T+1 settlement and same-day onboarding for companies and freelancers alike.
- Auto-reconciled to student IDs
- Raast, cards & wallets
- T+1 to your institutional account
Order #4821
Rs. 4,250
Method
JazzCash
Customer
What is a payment gateway in Pakistan?
A payment gateway is the service that lets a Pakistani business accept online payments and have the money settled to its bank account. It securely processes whatever method the customer chooses — a card, Raast, JazzCash, easypaisa, a bank transfer or QR — authorises the transaction, and deposits the funds to the merchant, usually minus a small per-transaction fee known as the Merchant Discount Rate (MDR).
In Pakistan, gateways operate under the State Bank of Pakistan framework. The strongest options bring every local payment method together so customers never hit a checkout that is missing how they want to pay. Rapid Gateway does exactly that — cards, Raast, wallets, bank transfer and QR through a single integration, dashboard and settlement.
Every Pakistani payment method, in one place
Your customers pay how they want. You see one clean settlement to your local PKR bank account.
Cards
Visa, Mastercard and PayPak — local and international — secured with 3-D Secure.
Raast
Pakistan's instant SBP rail: real-time settlement, the lowest fees, every bank
Mobile Wallets
Pakistan's instant SBP rail: real-time settlement, the lowest fees, every bank
Bank Transfers
Pakistan's instant SBP rail: real-time settlement, the lowest fees, every bank
QR Payments
Pakistan's instant SBP rail: real-time settlement, the lowest fees, every bank
Crypto
Pakistan's instant SBP rail: real-time settlement, the lowest fees, every bank
How to choose a payment gateway in Pakistan
Not a generic checkout. Unattended acceptance, session-level reconciliation, per-site reporting and an MDR that does not eat the margin between the EV tariff and your price per kWh.
Every local payment method
A Pakistani gateway should cover cards, Raast, JazzCash, easypaisa, bank transfer and QR. If it only does cards, you lose the wallet-first and bank-first customers who abandon at checkout.
Transparent, published pricing
Look for a published MDR, not a 'quoted per merchant' rate you only learn after a sales call. Rapid Gateway publishes a flat 2% on wallets and 2.5% on cards, with no setup fee.
Fast settlement
Money should reach your local bank quickly. Rapid Gateway settles on T+1, and Raast settles in real time — so your cash flow is not held hostage to a slow clearing cycle.
Per-site and per-charger reporting
Official plugins for WooCommerce, Shopify and WordPress, plus a clean REST API and webhooks, mean you go live in hours, not weeks — whatever your stack.
Refunds without a phone call
Companies and sole proprietors / freelancers should both onboard quickly with simple KYC — not just large registered businesses with a current account at one specific bank.
Security & SBP compliance
Choose a State Bank of Pakistan-regulated provider with PCI-DSS readiness and 3-D Secure, so sensitive card data never touches your own servers.
The four types of payment gateway in Pakistan
An honest comparison of the three ways Pakistani institutions collect fees today, judged on what your accounts office actually feels.
Factor
Cash on delivery
Prepaid online payment
Cash tied up per order
Locked until the courier remits often 7–15
Settled T+1
Methods available to them
Whatever bank or wallet you happen to
Raast, cards, JazzCash, easypaisa, bank transfer
Knowing you have been paid
Check the app, or ask for a screenshot
Marked paid automatically, with a receip
Chasing an overdue invoice
You send an awkward message
Automatic reminders on a schedule
What the client receives
A Word or Excel file
A branded, numbered, GST-ready invoice
Proof of income
Bank statement lines with no context
Per-invoice records tied to a client
Repeat and retainer clients
Rebuild the invoice every month
Recurring invoices send themselves
Where the money lands
Personal account hard to separate
Your business account, T+1
How to get a payment gateway in three steps
We are the money layer, not the charging platform. That keeps the integration small — most CMS teams finish it in a day.
Onboard the institution
KYC in your business name, your store URL, and the bank account you want settlements in. No setup fee and no monthly minimum same-day onboarding is normal.
Connect your fee data
Install the WooCommerce, Shopify or Wix plugin and paste your live key or POST a payment intent from a custom stack and handle the signed webhook
Send the fee link and get paid
Enable cards, Raast, JazzCash, easypaisa and bank transfer from the dashboard. They appear at checkout immediately no redeploy.
Integrate with any stack
Your CMS keeps doing what it does. We handle the part between the driver’s bank and yours.
Onboard your store
KYC in your business name, your store URL, and the bank account you want settlements in. No setup fee and no monthly minimum same-day onboarding is normal.
Install the plugin or call the API
Install the WooCommerce, Shopify or Wix plugin and paste your live key or POST a payment intent from a custom stack and handle the signed webhook
Turn on the methods you want
Enable cards, Raast, JazzCash, easypaisa and bank transfer from the dashboard. They appear at checkout immediately no redeploy.
Payment gateway in Pakistan — FAQs
What charge point operators, EPCs and battery-swap networks ask us before they build. Don’t see yours? Ask the team directly.
What is the best payment gateway for ecommerce in Pakistan?
The right gateway is the one that covers every rail your customers actually use — cards, Raast, JazzCash, easypaisa and bank transfer publishes its pricing, and has a ready-made plugin for your platform. Rapid Gateway does all three at 2% MDR on wallets and 2.5% on cards with T+1 settlement. We also maintain an honest side-by-side of the main Pakistani options if you want to compare before committing.
How do I add a payment gateway to my Shopify or WooCommerce store in Pakistan?
Install the DeltPay Gateway plugin from the Shopify App Store or the WooCommerce plugin directory, paste your live API key from the dashboard, and enable the payment methods you want. Cards, Raast and wallets then appear at checkout. Most stores go live the same day they onboard; no developer is needed for either platform.
What does an ecommerce payment gateway cost in Pakistan?
DeltaPay Gateway charges no setup fee and no monthly subscription only a merchant discount rate per successful transaction: 2% on wallet payments (JazzCash, easypaisa) and 2.5% on cards, with volume-based pricing above a certain scale. Be wary of gateways that will not publish a rate before a sales call; you cannot model your unit economics without one.
Should my store still offer cash on delivery?
Yes but as one option, not the default. COD converts first-time buyers in low-trust categories, and removing it entirely will cost you orders. The goal is to shift repeat customers to prepaid, where your cash settles on T+1 instead of after a courier remittance cycle, and your return rate drops because the buyer has actually committed.
How do I get more customers to pay online instead of COD?
Three things move the needle: show every payment method so nobody is forced into COD by default; make the prepaid path visibly safe with 3-D Secure, a branded checkout and a clear refund policy; and give a small prepaid incentive free delivery or a modest discount. That incentive is almost always cheaper than the two-way shipping and restocking cost of a refused COD order.
How fast do I receive money from online orders?
T+1 the next working day after settlement, into your own business bank account, with a settlement report listing the individual orders in each deposit. Raast payments clear on Pakistan’s national instant rail, so there is no card-network waiting period on that method.
Do I need to be a registered company to accept online payments?
You need to onboard as a merchant with KYC. Sole proprietors with an NTN and a business bank account are supported alongside registered companies you do not need to incorporate first. What you do need is a settlement account in the business’s name rather than a personal wallet.
How are refunds and chargebacks handled?
Refunds are initiated from the dashboard or over the API, full or partial, against the original order. Card chargebacks follow the card-network dispute process and the dashboard tracks each case with its evidence deadline. Raast and wallet payments carry effectively no chargeback exposure, which is another reason to steer customers toward them.
Is my customers’ card data safe on my store?
Card details never touch your servers. Payments are processed on PCI-DSS-ready infrastructure, so your store never stores or transmits card numbers and your own PCI scope stays minimal. 3-D Secure authentication is applied to card payments as standard.
Can I accept payments without a website?
Yes. Payment links and QR codes let you sell from Instagram, Facebook, WhatsApp or a physical counter with no store at all the same account, the same dashboard, the same settlement. Many merchants start there and add a store later.
Which payment methods should I turn on first?
All of them. There is no per-method fee, and every method you leave off is a segment of shoppers who will abandon. If you must sequence it: Raast and cards cover the widest reach, then JazzCash and easypaisa for wallet-first households, then bank transfer for large-ticket orders.
Start accepting payments in Pakistan today
Free to start. Same-day go-live. Cards, Raast, JazzCash, easypaisa, bank transfer and QR in one integration, settled to your local bank.