How to Integrate Pakistani Payments for WordPress Website? A Complete Guide

I. Why WordPress website needs to be integrated with Pakistan Local Payments?

In today's booming e-commerce world, adding Pakistani local payment methods to your WordPress website is an important step in expanding your market. As one of the fastest growing digital economies in South Asia, Pakistan has a population of over 220 million people, of which internet users have crossed 116 million. Data shows that the volume of e-payment transactions in Pakistan grew by 351 TP3T year-on-year in 2023, which is a testament to the fact that the acceptance of digital payments by local consumers is rapidly increasing.

For a WordPress site targeting the Pakistani market, offering international credit card payments is not enough. There are three reasons for this: firstly, only around 15% Pakistani adults have a credit card; secondly, local consumers are more accustomed to using local payment methods that they are familiar with; and lastly, localised payments can dramatically improve conversion rates - studies have shown that e-commerce platforms that offer local payments can increase order fulfilment rates by more than 40%. 40% or more.

II. Introduction to mainstream Pakistani payment gateways

1. JazzCash

as the financial services brand of Pakistan Mobile Communications Limited (PMCL):

• Reach over 50 million users
• Support for mobile wallets and bank transfers
• Well-documented and developer-friendly API
• The handling fee is approximately 2.5% of the transaction amount

2. EasyPaisa

A digital wallet operated by Telenor Pakistan:

• Over 30 million registered users
• USSD Code *786# Convenient Operation
• WordPress plugins with high usability
• Unique advantages of NFC near field payment function

3. HBL Pay (Habib Bank)

Digital solutions for leading commercial banks:

Third, how to integrate Pakistan payment gateway in WordPress

1. Choose the right payment plugin

Adding Pakistan Local Payments to a WordPress website starts with choosing the right payment plugin. Here are a few recommended options:

WooCommerce-specific solution:

• Official JazzCash WooCommerce Plugin - Officially maintained and supported by the latest APIs
• EasyPaisa Payment Gateway - Optimised for EasyPaisa
• HBL Pay Commerce Plugin - The official solution provided by Habib Bank

Universal Payment Plugin:

• PayPro Global for WordPress - Supports a wide range of local payment methods in Pakistan
• 2Checkout (now Verifone) - International platforms but with local Palestinian options
• Stripe with Local Payment Methods extension

2. JazzCash integration detailed steps (WooCommerce as an example)

(1) JazzCash Merchant Account Registration Process:

① Visit the JazzCash Merchant Portal (jazzcash.com.pk/merchant)
②Fill in corporate information and submit KYC documents (CNIC, business licence, etc.)
③Wait for 1-3 working days review period
④ Obtain the key Merchant ID and Password/Hash key

(2) WooCommerce backend configuration:

1. WordPress Dashboard → WooCommerce → Settings → Payments 

2. Enable JazzCash gateway (if not shown, you need to install the official plug-in first)

3. Enter the following obtained from JazzDash.

   - Merchant ID 

   - Password/Hash Key  

   - Integrity Salt value (if any)

4. Set the trading currency to PKR (important!)

5. Test mode switch is recommended to be turned on initially

6. Save Changes to save the configuration

(3) Webhook callback URL setting:

Add your notification URL in the JazzDash Merchant Panel:
https://yourdomain.com/wc-api/jazzcash_ipn

⚠️ SSL certificates are mandatory! Make sure your website is HTTPS enabled!