- Raast Payment Gateway · Pakistan
Raast payment gateway for ecommerce instant, low-fee, every bank.
Raast is Pakistan’s instant payment system from the State Bank of Pakistan. With Raast P2M (Person-to-Merchant), businesses accept payments directly from any Pakistani bank account in real time no card networks, lower fees, instant settlement. DeltaPay gives you Raast P2M integration alongside cards, wallets and bank transfers through one API.
- Auto-reconciled to student IDs
- Raast, cards & wallets
- T+1 to your institutional account
Order #4821
Rs. 4,250
Method
JazzCash
Customer
What is Raast?
Raast is Pakistan’s first national instant payment system, designed and operated by the State Bank of Pakistan. It enables free, real-time fund transfers between any bank accounts in Pakistan — 24 hours a day, 365 days a year. The merchant variant, Raast P2M (Person-to-Merchant), lets businesses accept payments from customers directly through their bank app via QR codes, payment links, or Request-to-Pay flows. Unlike card payments, Raast bypasses international card networks entirely, which makes it cheaper for merchants and instant for everyone.
Raast P2M became commercially available in 2023–2024 and adoption accelerated rapidly through 2025 and 2026 — making it the fastest-growing payment method in Pakistani ecommerce.
Why Raast matters for Pakistani businesses
Raast is not just another payment method. It’s a fundamentally different rail — and the economics strongly favour the merchant.
Real-time settlement
A charging bay earns money at 2am or it does not earn at all. Scan-to-pay means no cashier, no card machine to lock up, and no reason to staff a site that only sees six sessions a night.
Lower fees than cards
A sticker on the unit is the entire payment terminal. Drivers scan with any Pakistani bank app, confirm, and the payment lands in real time — no wallet signup, no app download, no card present
Works with every Pakistani bank
Charging economics live in the gap between a discounted EV tariff and what you can charge per kWh. A published 2% wallet / 2.5% card rate lets you model that gap instead of guessing at it.
Per-site and per-charger reporting
Break revenue down by location, unit and time of day. Which motorway site pays for itself, which mall bay is dead between 10 and 4 — answered from the dashboard, not a spreadsheet.
Refunds without a phone call
A session that fails mid-charge, a driver who stops at 60% — refund the unused balance from the dashboard or over the API, and it is done. Disputes at a charging site are a solved problem or a one-star review.
T+1 settlement to the operator’s account
Session revenue from every site consolidates and settles into your company account the next working day, with a settlement report that reconciles against your CMS session log.
Three steps to accept Raast on your checkout
Raast lives inside our unified gateway. No separate Raast merchant contract, no extra SDK, no parallel reconciliation.
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.
Raast vs JazzCash vs easypaisa vs Cards
A clear, side-by-side view of the four main ways Pakistani customers pay online — and what each means for your merchant economics.
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 integrate Raast with your store
Three deployment paths depending on your stack — same Raast rail under the hood.
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.
Raast payment gateway 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.
Ready to add Raast to your checkout?
One call. API docs in your inbox. Live by end of day — with Raast, cards, JazzCash, easypaisa and bank transfers in a single integration