{"id":2576,"date":"2025-05-12T14:07:21","date_gmt":"2025-05-12T06:07:21","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2576"},"modified":"2025-05-12T14:07:21","modified_gmt":"2025-05-12T06:07:21","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/","title":{"rendered":"The Critical Role of Payments in Pakistan to Increase Conversions"},"content":{"rendered":"

The uniqueness of Pakistan's payment ecosystem is critical for increased conversion rates for e-commerce and digital services, and payment strategies need to be targeted and optimised. Here are the key takeaways and solutions:<\/p>\n

    \n
  1. Localised payment coverage<\/strong><\/li>\n<\/ol>\n
      \n
    • Must connect: 1Link (direct bank connection), JazzCash (largest mobile wallet), EasyPaisa (owned by Telenor)<\/li>\n
    • Supplementary: UBL Omni, HBL Konnect and other banking channels<\/li>\n
    • Note: Islamic Compliance Al-Huda Payment Options<\/li>\n<\/ul>\n
        <\/p>\n
      1. \n

        Tiered settlement programme<\/strong><\/p>\n

          \n
        • Tier 1 Cities: Instant (Rate 0.8-1.21 TP3T)<\/li>\n
        • Tier2 cities: T+1 settlement (rate 0.5-0.8%)<\/li>\n
        • Remote areas: cash on delivery COD (20% deposit required)<\/li>\n<\/ul>\n<\/li>\n
        • \n

          Anti-fraud third-order authentication<\/strong>
          \n\u2460 SIM Binding Authentication
          \n\u2461 CNIC ID number verification
          \n\u2462 Biometric Biometric Threshold Dynamic Trigger<\/p>\n<\/li>\n

        • \n

          Religious Special Designs<\/strong><\/p>\n

            \n
          • Ramadan period:\n
              \n
            • Automatic splitting of \"Zakat Charity\" into separate calculations<\/li>\n
            • Extension of payment validity to 72 hours during curfew hours<\/li>\n<\/ul>\n<\/li>\n
            • Separate checkout lane for Halal certified products<\/li>\n<\/ul>\n<\/li>\n
            • \n

              traffic-sensitive pricing<\/strong><\/p>\n

                \n
              • Jazz users' payment page with no traffic fee (Zero-rated)<\/li>\n
              • Exclusive Nightly Bandwidth Offer for PTCL Broadband Subscribers<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

                6. COD Innovation Programme:
                \nPrepay 20% \u2192 WhatsApp order confirmation \u2192 GPS signing track tracking \u2192 NFC device on-site final payment swipe card<\/p>\n

                7.Data Insight Tools<\/strong>::
                \nIt is recommended that a localised analytics platform such as Finja SDK be deployed, which can be monitored:<\/p>\n

                  \n
                • Income bracket corresponding to bank card BIN<\/li>\n
                • Carrier-associated consumer power grading<\/li>\n
                • Geographic characteristics of CNIC area code mapping<\/li>\n<\/ul>\n

                  Implementation Effectiveness Cases:
                  \nAfter a Chinese cross-border e-commerce company accessed JazzCash, the abandonment rate dropped from 68% to 29%; after overlaying Ramadan's special page makeover, GMV grew by 3,40% in the same period.<\/p>\n

                  Key Cognitive Difference Points:
                  \nPakistani users trust operators' billing systems more than bank cards. It is recommended to prioritise deep integration of billing system with mobile operators, which has more than 3 times higher conversion rate than traditional card-based solutions.<\/p>\n

                  Special attention needs to be paid to the new 2024 regulations: all cross-border collections need to be pre-registered with SBP with a Merchant Code (MCC), which takes about 7 working days to process.<\/p>\n

                  Advanced Strategies for Payment Optimisation in Pakistan (cont'd)<\/strong><\/h3>\n

                  8. Social e-commerce payment integration<\/strong><\/h4>\n

                  E-commerce transactions in Pakistan are highly dependent on social media and need to be deeply embedded in social platform payment capabilities:<\/p>\n

                    \n
                  • WhatsApp Business Payments<\/strong>: Access to in-chat payments via API (locally registered entity required)<\/li>\n
                  • Facebook Marketplace Collections<\/strong>: Support JazzCash\/EasyPaisa Direct Billing<\/li>\n
                  • TikTok Shop Closed Loop Programme<\/strong>: Work with a local licensed PSP (e.g. NayaPay) to circumvent foreign exchange controls<\/li>\n<\/ul>\n

                    case (law)<\/em>: SHEIN uses Instagram shopping cart + EasyPaisa combo in Ba to reduce checkout time to 1 minute and 12 seconds.<\/p>\n

                    \n

                    9. Dynamic currency display technology<\/strong><\/h4>\n

                    Avoid abandonment of orders due to exchange rate fluctuations:<\/p>\n

                      \n
                    • Real-time binding of SBP mid-price to show PKR amount (non-USD conversion)<\/li>\n
                    • Tiered pricing strategy: display tax-inclusive prices for bank users such as UBL\/MCB and tax-exclusive prices for mobile wallet users (utilising Section 236G differences in the PA tax code)<\/li>\n<\/ul>\n
                      \n

                      10. COD refined operational system<\/strong> (Key!)<\/h4>\n

                      Pakistan's COD share is over 60%, but the return rate is as high as 45%, and the whole process needs to be optimised:<\/p>\n\n\n\n\n\n\n\n
                      annular ring<\/th>\nInnovative programmes<\/th>\nKPI Improvement<\/th>\n<\/tr>\n<\/thead>\n
                      When ordering<\/td>\nAI Voice Order Confirmation (Urdu) + prepayment of 10% deposit<\/td>\n\u2193 27% False orders<\/td>\n<\/tr>\n
                      distribution<\/td>\nRider APP Integrates Biometric Nucleus (NADRA Database)<\/td>\n\u219332% Impersonation<\/td>\n<\/tr>\n
                      upon signing for the goods<\/td>\nNFC device swipe\/scan for final payment + e-ticket uploading (SBP blockchain pilot)<\/td>\n\u219118% Tail payment recovery rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                      numbers<\/em> : Daraz increased COD conversion from 381 TP3T to 611 TP3T with this system.<\/p>\n

                      \n

                      11. ISP linkage billing innovations<\/strong> (breakthrough opportunity!)<\/h4>\n

                      Cooperation with Internet Service Providers (ISPs) on the \"bandwidth credit\" model.
                      \n\u2460 PTCL broadband subscribers - 5 hours free internet on spending of Rs. 2,000 or more
                      \n\u2461 Zong 4G users - installment payment directly deducted from the phone bill balance<\/p>\n

                      Compliance Tips<\/em> : A VAS Licence is required to be applied for from the PTA (90 days approval period).<\/p>\n

                      \n

                      12. BNPL Islamic Compliance Programme<\/strong><\/h4>\n

                      The traditional staging was questioned by the Religious Commission, which recommended the following structure.
                      \n\u2705 Murabaha model<\/em> :: Marking of the cost price of the goods + the amount of public profit (in accordance with article 2.5 of Sharia).
                      \n\u2705 Qard-e-Hasana clause<\/em> : No interest is charged upon default but \"overdue charitable donations\" are collected to a designated mosque account.<\/p>\n

                      \n

                      Regulatory red line warning for 2024<\/strong><\/em> \ud83d\udea8<\/h3>\n

                      1\ufe0f\u20e3 SBP's new rule: 'Digital Merchant Whitelist' system comes into effect, unlisted websites to be blocked by ISPs
                      \n2\ufe0f\u20e3 FBR Requirement: 17% income tax withholding on all cross-border receipts (6 month cycle of claiming tax refunds with DTAA documents)
                      \n3\ufe0f\u20e3 PTA injunction: facial recognition verification threshold reduced from Rs 50,000 to Rs 20,000 transactions<\/p>\n

                      List of recommended immediate actions.
                      \n\u2611\ufe0f JazzCash merchant back office opens 'Ramadan Accelerated Review Channel' (as of 15 March)
                      \n\u2611\ufe0f NADRA enrolment enterprise-level biometric verification access (reducing manual audit churn)
                      \n\u2611\ufe0f SBP FX code filing (F.E. Form VII updated quarterly)<\/p>\n

                      Need an operations manual or contract template for a specific segment? I can provide actual agreement frameworks from headline companies like Daraz\/Foodpanda.<\/p>","protected":false},"excerpt":{"rendered":"

                      The uniqueness of Pakistan's payments ecosystem is critical to the conversion rate of e-commerce and digital services...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-2576","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"\n\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528\" \/>\n<meta property=\"og:description\" content=\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u7684\u72ec\u7279\u6027\u5bf9\u7535\u5546\u548c\u6570\u5b57\u670d\u52a1\u8f6c\u5316\u7387\u7684\u63d0\u5347\u81f3\u5173\u91cd\u8981…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/12\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-12T06:07:21+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528\",\"datePublished\":\"2025-05-12T06:07:21+00:00\",\"dateModified\":\"2025-05-12T06:07:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/\"},\"wordCount\":100,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%af%b9%e6%8f%90%e9%ab%98%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%85%b3%e9%94%ae%e4%bd%9c%e7%94%a8\/\",\"name\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5bf9\u63d0\u9ad8\u8f6c\u5316\u7387\u7684\u5173\u952e\u4f5c\u7528 - 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