Pakistan Payment Troubleshooting Guide

Frequently Asked Questions and Solutions

1. Failed card payments

• Possible causes: Bank restrictions on international transactions, insufficient balance, card inactivation for international payments
• prescription::
  • Contact the card issuer to confirm that international payment privileges have been activated.
  • Checking the adequacy of account balances
    Try using Visa/Mastercard instead of a card issued by a local bank

2. Easypaisa/JazzCash and other mobile wallet issues

• common error: OTP not received, transaction timeout, account verification failure
• cure::
  Ensure that the SIM card is registered and activated for mobile wallet services
  Checking the stability of the network connection
  Clear the app cache or update to the latest version

3. PayPal access restrictions
(Note: PayPal has some functionality limitations in Pakistan)
Suggested alternative.
-Wise (formerly TransferWise)
-Payoneer
-Stripe (requires registration through a third party)

Special tips for cross-border remittance

✅Recommended Channel.

1. Western Union has a wide range of offline outlets
2. MoneyGram arrives quickly
3. Xoom (owned by PayPal) supports direct deposit to local banks

⚠️ Notes: - Proof of source of funds is required for all cross-border transfers over $500 - Keep complete transaction records for your records.

Technical troubleshooting steps.

1️⃣Check network connection (VPN may cause some gateways to block)
2️⃣ Change your browser (Recommended Chrome/Firefox latest version)
3️⃣ Verify payee information is accurate
4️⃣Wait 15 minutes and retry to avoid double deduction by the system

If the problem persists, we recommend contacting customer service with the following information.
📌 Specific Error Codes
📌Screenshot Timestamps
📌Name of operator used

This guide has been collated based on the latest foreign exchange policy of the Central Bank of Pakistan, 2023, and the actual implementation may vary from one financial institution to another.

Advanced Guide to Payment Issues in Pakistan (continued)

4. E-commerce platform payment failures (e.g. Daraz, AliExpress, etc.)

📌 Common Errors:

• "Payment declined"
• "3D Secure authentication failed"
• "Bank limit exceeded"

🔧 Solution:
✔️ Ensure that your bank card is enabled for international online transactions (contact your bank to confirm).
✔️ Try changing your payment method, such as switching to JazzCash or Easypaisa.
✔️ Check if the bank's fraud prevention mechanism is triggered, you need to call the bank to lift the restriction.

5. Unregistered SIM cards prevented the mobile wallet from being used

📌 Problem performance:

• Easypaisa/JazzCash prompts "SIM not registered".
• OTP text messages are not received or are severely delayed.

🔧 Solution:
1️⃣ Visit the operator's business office (Jazz/Ufone/Zong etc.) and bring your CNIC for biometric verification.
2️⃣ Re-insert the SIM card and restart the phone to ensure a stable signal.
3️⃣ If you still can't receive OTP, try registering your wallet account on another operator's number.

6. PayPal withdrawals to local banks in Pakistan

⚠️ PayPal only supports receiving and making payments in Pakistan, but officially does not support direct withdrawals to PKR accounts!

💡 Alternatives:
✅ Wise (TransferWise) → PKR local transfer (better exchange rate)
✅ Payoneer → ATM withdrawal or tie up with a local bank
✅ JazzCash/PayPro partner merchants to collect PayPal funds (handling fee required)

❗ Note:
➡ PayPal balances can be transferred to a US/UK demo account and remitted back to PKR (subject to compliance with declaring the source of funds).
➡ Single cross-border transfers exceeding $5000 under SBP exchange controls may be reviewed for more than 7 days.

7. Problems depositing/withdrawing funds from Binance or other cryptocurrency exchanges

📌 PK govt bans cryptocurrency purchases through regular channels from 2023, but exchanges can still be done through P2P transactions.

🔄 P2P Recommended Approach:
1️⃣ Binance P2P - JazzCash/Easypaisa/USDT Mutual Exchange (Choose a Highly Reputable Merchant)
2️⃣ LocalBitcoins - WU Offline Cash Trading
3️⃣ Paxful - Tether (USDT) → PKR Money Transfer

🚨 Risk Warning:
✖ Avoid private cash transaction fraud! Stick to the escrow guarantee model.
✖ Central Bank may freeze records of suspicious large money movements.

🇵🇰 Emergency Response

Please act immediately if you encounter any of the following:
❌Bank card stolen → Lock your card immediately + contact the FIA cybercrime division 📞15-11 / +92-51