{"id":3328,"date":"2025-06-15T18:38:23","date_gmt":"2025-06-15T10:38:23","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3328"},"modified":"2025-06-15T18:38:23","modified_gmt":"2025-06-15T10:38:23","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%af%a6%e8%a7%a3%ef%bc%882025%e6%9c%80%e6%96%b0%e7%89%88%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/15\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%af%a6%e8%a7%a3%ef%bc%882025%e6%9c%80%e6%96%b0%e7%89%88%ef%bc%89\/","title":{"rendered":"Pakistan Payment System in Detail (2025 Update)"},"content":{"rendered":"<p>Pakistan's payments system has evolved rapidly in recent years, supported by both the traditional banking system and the rise of emerging digital payments platforms. Here's a detailed breakdown of the country's payments ecosystem:<\/p>\n<h3>I. Core infrastructure<\/h3>\n<ol>\n<li><strong>National Clearing House System (NIFT)<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Handled national cheque clearing (average daily volume of over 500,000 transactions)<\/li>\n<li>Launch of instant settlement service (NIFT Instant) in 2022<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>Pakistan Real Time Accounting System (Raast)<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Central bank-led instant payment system (live in 2021)<\/li>\n<li>Support mobile phone number transfer \/ P2P free transfer<\/li>\n<li>Average daily trading volume crosses Rs 20 billion (2023 data)<\/li>\n<\/ul>\n<h3>II. Mainstream payment methods<\/h3>\n<p><strong>Bankcard Network:<\/strong><\/p>\n<ul>\n<li>Visa\/MasterCard coverage in cities up to 78%<\/li>\n<li>UnionPay increases card issuance with local banks by 40% annually<\/li>\n<\/ul>\n<p><strong>Mobile Wallet:<\/strong><\/p>\n<ol>\n<li>\n<p>JazzCash (over 40 million users)<\/p>\n<ul>\n<li>Functions: phone bill recharge\/bill payment\/cross-border remittance<\/li>\n<li>QR code payment covers 350,000 merchants<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>EasyPaisa (owned by Telenor)<\/p>\n<ul>\n<li>Over 80,000 agent outlets<\/li>\n<li>SME loan disbursement crosses Rs 50 billion<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><strong>Bank App:<\/strong><\/p>\n<h3><strong>III. Emerging payment trends<\/strong><\/h3>\n<h4><strong>1. The Rise of Digital Banks (Neobanks)<\/strong><\/h4>\n<ul>\n<li><strong>NayaPay &amp; SadaPay<\/strong>(Received EMI licence from RBI):\n<ul>\n<li>Provides virtual Visa cards, P2P transfers, corporate payment solutions<\/li>\n<li>NayaPay has over 500,000 users, mainly for freelancers and SMEs<\/li>\n<\/ul>\n<\/li>\n<li><strong>Keenu (UBL Digital)<\/strong>: Mainly branchless banking services with AI customer service support<\/li>\n<\/ul>\n<h4><strong>2. BNPL (buy now pay later) growth<\/strong><\/h4>\n<ul>\n<li>Platforms such as QisstPay &amp; CreditBook partnering with e-commerce players (Daraz, Zameen) to offer instalment services, growing at a CAGR of 120%<\/li>\n<\/ul>\n<h4><strong>3. Cross-border payment optimisation<\/strong><\/h4>\n<ul>\n<li>Ria Money Transfer &amp; Wise enters Pakistani market, reduces remittance fees to 1%-3% (5%-7% for traditional channels)<\/li>\n<\/ul>\n<hr>\n<h3><strong>IV. Regulatory framework and challenges<\/strong><\/h3>\n<p>\u2705 <strong>Progress point:<\/strong><\/p>\n<ul>\n<li>SBP (Central Bank of Pakistan) promotes financial inclusion policy, targeting adult account holdings to 651 TP3T by 2025 (currently around 551 TP3T)<\/li>\n<li>Raast system integrates government subsidy disbursements (e.g. BISP poverty assistance payments) and reduces intermediary corruption<\/li>\n<\/ul>\n<p>\u26a0\ufe0f <strong>Existing problems:<\/strong><\/p>\n<ol>\n<li><em>cash-dependent<\/em>: Cash transactions still account for 20%+ of GDP, digital payments underpenetration in rural areas<\/li>\n<li><em>Fraud risk<\/em>: 2023 Report Shows Mobile Wallet Fraud Increasing 35% Year-Over-Year<\/li>\n<li><em>Interoperability Limitations<\/em>: Direct transfers between some e-wallets are not possible<\/li>\n<\/ol>\n<hr>\n<h3><strong>V. Future prospects<\/strong><\/h3>\n<p>\ud83d\udd2e\u00a0\u00a0<strong>[Projected direction]<\/strong>::<br \/>\n| Areas | Key Developments<br \/>\n|&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| CBDC | SBP Plans to Pilot Digital Currency 'Digital Rupee'<br \/>\n| AI Risk Control | Biometric authentication prevalence (e.g. fingerprint\/face recognition)|<br \/>\n| Super Apps | JazzCash or Careem Integration for more life services |<\/p>\n<p>\ud83d\udca1\u00a0\u00a0<strong>[Recommendation]<\/strong>::<br \/>\n\u2192 <em>trader<\/em>: Access to Raast reduces transfer costs<br \/>\n\u2192 <em>consumers<\/em>: Prefer PSO\/PCI-certified payment apps for fraud prevention<\/p>","protected":false},"excerpt":{"rendered":"<p>Pakistan's payment system has evolved rapidly in recent years, supported by both the traditional banking system and...<\/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,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-3328","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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