{"id":3432,"date":"2025-08-01T12:48:31","date_gmt":"2025-08-01T04:48:31","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3432"},"modified":"2025-08-01T12:48:31","modified_gmt":"2025-08-01T04:48:31","slug":"%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%a6%82%e4%bd%95%e6%9e%84%e5%bb%ba%e6%94%af%e6%8c%81%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%9a%84%e6%94%af%e4%bb%98%e7%b3%bb","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/08\/01\/%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%a6%82%e4%bd%95%e6%9e%84%e5%bb%ba%e6%94%af%e6%8c%81%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%9a%84%e6%94%af%e4%bb%98%e7%b3%bb\/","title":{"rendered":"A must see for developers: How to build a payment system that supports Pakistani payments"},"content":{"rendered":"<h1>Building a Payment System to Support Payments in Pakistan: A Developer's Guide<\/h1>\n<h2>1. Understanding the payments ecosystem in Pakistan<\/h2>\n<p>Before starting the development, one needs to understand the characteristics of the payment environment in Pakistan:<\/p>\n<ul>\n<li><strong>Mobile wallet penetration<\/strong>: e.g. JazzCash, EasyPaisa, etc.<\/li>\n<li><strong>bank transfer<\/strong>:: Widespread use of the IBFT (Instant Bank-to-Bank Funds Transfer) system<\/li>\n<li><strong>Credit\/debit cards<\/strong>: Visa\/MasterCard predominates, but penetration is lower than mobile payments<\/li>\n<li><strong>emerging trend<\/strong>: The rise of BNPL (buy now pay later) and QR code payments<\/li>\n<\/ul>\n<h2>2. Compliance requirements<\/h2>\n<p>Ensure compliance with State Bank of Pakistan (SBP) regulations:<\/p>\n<ul>\n<li>Obtaining a PSP (Payment Service Provider) licence or partnering with a local licensee<\/li>\n<li>PECR (Personal Data Protection Regulation) Compliance<\/li>\n<li>AML\/KYC validation requirements (Pakistan's AML Act, 2010)<\/li>\n<\/ul>\n<h2>API Integration Options<\/h2>\n<h3>a. Local Payment Gateway API Integration Example (JazzCash)<\/h3>\n<pre><code class=\"language-javascript\">\/\/ JazzCash Node.js SDK Sample Code<br>\r\nconst axios = require('axios');<br>\r\n<br>\r\nasync function initiateJazzCashPayment(orderData) {<br>\r\n    const payload = {<br>\r\n        pp_Version: \"1.1\",<br>\r\n        pp_TxnType: \"MWALLET\",<br>\r\n        pp_Language: \"EN\".<br>\r\n        pp_MerchantID: process.env.JAZZCASH_MERCHANT_ID,<br>\r\n        pp_SubMerchantID: \"\",<br>\r\n        pp_Password: process.env.JAZZCASH_PASSWORD,<br>\r\n        pp_BankID: \"\",<br>\r\n        \/\/ ... Other necessary parameters<br>\r\n        <br>\r\n    };<br>\r\n    <br>\r\n    try {<br>\r\n        const response = await axios.post(<br>\r\n            'https:\/\/sandbox.jazzcash.com.pk\/ApplicationAPI\/API\/Payment\/DoTransaction',<br>\r\n            payload.<br>\r\n            { headers: { 'Content-Type': 'application\/json' } }<br>\r\n        );<br>\r\n        <br>\r\n       return response.data;<br>\r\n    } catch (error) {<br>\r\n       console.error(\"JazzCash payment error:\", error);<br>\r\n       throw error;<br>\r\n    }<br>\r\n}<br>\r\n<\/code><\/pre>\n<h3>b. IBFT Bank Transfer Implementation Programme<\/h3>\n<pre><code class=\"language-python\"># Python Pseudocode - IBFT Processing Flow Example <br>\r\ndef process_ibft_transfer(bank_details, amount).<br>\r\n    \"\"\"<br>\r\n    Processing of immediate inter-bank transfers<br>\r\n    <br>\r\n    Parameters.<br>\r\n      bank_details - dict contains account information, branch codes, etc. <br>\r\n      amount - float transaction amount<br>\r\n    <br>\r\n    Returns.<br>\r\n      dict contains the transaction status and reference number  <br>\r\n    \"\"\"<br>\r\n    <br>\r\n    # Standard fields specified by SBP  <br>\r\n    ibft_payload = {<br>\r\n       \"channel_id\": \"WEB\", <br>\r\n       \"transaction_type\": \"IBFT_OUTGOING\".<br>\r\n       \"sender_account\": settings.<br>\r\n       # ... Other required fields<br>\r\n        <br>\r\n   }<br>\r\n   <br>\r\n   # PKNIC certified endpoints  <br>\r\n   response = requests.post(<br>\r\n         'https:\/\/api.sbp.org.pk\/v2\/payments',<br>\r\n         json=ibft_payload.<br>\r\n         auth=(settings.PSP_API_KEY, settings.PSP_SECRET),<br>\r\n         verify='sbp_root_cert.pem' # SBP-provided certificate<br>\r\n        <br>\r\n   )<br>\r\n   <br>\r\n   if response.status_code == 202.<br>\r\n      return {\"status\": \"processing\",...}<br>\r\n      <br>\r\n   return handle_error_response(response)<br>\r\n<\/code><\/pre>\n<h2>UI\/UX Notes<\/h2>\n<p>Considerations in optimising the interface for Pakistani users:<\/p>\n<pre><code>[ ] UI elements should include local language options (Urdu)<br>\r\n[ ] The OTP validation process is subject to SBP's two-factor authentication requirements.  <br>\r\n[ ] Prominent logos of major wallets such as JazzCash\/EasyPaisa <br>\r\n[ ] The IBFT form needs to contain the following fields.<br>\r\n     \u25b8 Bank Code (3 digits)<br>\r\n     \u25b8 Account Title (Exact match by account name)<br>\r\n     \u25b8 CNIC\/NICOP number (for KYC)<br>\r\n<\/code><\/pre>\n<h2>Webhooks and Security Practices<\/h2>\n<pre><code class=\"language-java\">\/\/ Java Spring Boot Secure Webhook Handler Example <br>\r\n<br>\r\n@RestController @RequestMapping(\"\/webhooks\")<br>\r\npublic class PaymentWebhookController {<br>\r\n<br>\r\n @PostMapping(\"\/jazzcash\") <br>\r\n public ResponseEntity handleJazzCallback(<br>\r\n          @RequestHeader(\"X-JC-Signature\") String signature,          <br>\r\n          @RequestBody String rawPayload ) throws SecurityException {<br>\r\n<br>\r\n           \/\/ Step1 : HMAC signature verification           <br>\r\n           String computedSig = HmacUtils.hmacSha256Hex(<br>\r\n               apiSecret.getBytes(), rawPayload.getBytes());<br>\r\n               <br>\r\n           if(!computedSig.equals(signature)){              <br>\r\n              throw new SecurityException(\"Invalid signature\");<br>\r\n           }<br>\r\n<br>\r\n          \/\/ Step2 :Processing Business Logic...<br>\r\n          <br>\r\n          return ResponseEntity.ok().build();<br>\r\n }<br>\r\n}     <br>\r\n<\/code><\/pre>\n<p>List of important security measures:<br \/>\n\u2714\ufe0f PCI DSS Level4 at least compliant (if card data is involved)<br \/>\n\u2714\ufe0f TLS1.2+ Enforcement (Disable Old SSL)<br \/>\n\u2714\ufe0f IP whitelisting access (especially for backend management interfaces)<\/p>\n<p>Testing Recommendations:<\/p>\n<table>\n<thead>\n<tr>\n<th>Test Type<\/th>\n<th>Tool Recommendations<\/th>\n<th>Key inspection items<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>sandbox testing<\/td>\n<td>Postman\/JMeter<\/td>\n<td>Error Code Mapping Correctness<\/td>\n<\/tr>\n<tr>\n<td>load test<\/td>\n<td>Locust.io<\/td>\n<td>QPS\u226550 TPS peak processing power<\/td>\n<\/tr>\n<tr>\n<td>penetration test<\/td>\n<td>OWASP ZAP\/BurpSuite Pro<\/td>\n<td>SQLi\/XSS protection effectiveness<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>At least the first of the three levels of certification required by SBP must be completed before going live.<\/p>\n<h1>Building a Payment System to Support Payments in Pakistan: An Advanced Developer's Guide (continued)<\/h1>\n<h2>3. Deep integration of localised payment methods<\/h2>\n<h3>a. EasyPaisa Mobile Wallet Integration Highlights<\/h3>\n<pre><code class=\"language-php\">\/\/ PHP Sample - EasyPaisa Telenor Bank API Calls<br>\r\n$easyPaisaConfig = [<br>\r\n    'store_id' =&gt; env('EASYPAISA_STORE_ID'),<br>\r\n    'hash_key' =&gt; env('EASYPAISA_HASH_KEY'),<br>\r\n    'post_url' =&gt; env('EASYPAISA_POST_URL'), \/\/production environments are different<br>\r\n];<br>\r\n<br>\r\nfunction generateEasyPaisaHash($params) {<br>\r\n    ksort($params).<br>\r\n    $concatenated = implode('&amp;', array_map(<br>\r\n        fn ($k, $v) =&gt; \"$k=$v\", <br>\r\n        array_keys($params), the <br>\r\n        array_values($params)<br>\r\n    ));<br>\r\n    return hash_hmac('sha256', $concatenated, $easyPaisaConfig['hash_key']);<br>\r\n}<br>\r\n<br>\r\n\/\/ Example of initiating a payment request<br>\r\n$paymentData = [<br>\r\n    'amount' =&gt; 1500.00,<br>\r\n    'orderId' =&gt; uniqid('EP'),<br>\r\n    'mobileAccountNo' =&gt; '+923001234567', \/\/must be in Pakistani number format<br>\r\n];<br>\r\n<\/code><\/pre>\n<p><strong>Key validation points<\/strong>::<\/p>\n<ul>\n<li>MSISDN number format check (starts with +92)<\/li>\n<li>PKR amount limit (usually Rs. 50,000 cap for a single transaction)<\/li>\n<li>Automatic expiry time setting (default 30 minutes)<\/li>\n<\/ul>\n<h3>b. IBAN Bank Transfer Processing Flow<\/h3>\n<pre><code>IBAN processing flowchart:<br>\r\n<br>\r\n[Merchant System] \u2192 [Generate Virtual IBAN] \u2192 [User Payment]<br>\r\n   \u2193 \u2191<br>\r\n[Polling Status API] \u2190 [PSP Gateway] \u2190 [Funds Arrive]<br>\r\n<\/code><\/pre>\n<pre><code class=\"language-go\">\/\/ Example of Worker Pool Pattern for IBAN State Checking Implemented in Go Language <br>\r\nfunc startIbanPolling(orders []string) {<br>\r\n    workerCount := 3 \/\/ SBP recommends no more than 5 queries per second.<br>\r\n    <br>\r\n    var wg sync.WaitGroup\t<br>\r\n    workChan := make(chan string)<br>\r\n    <br>\r\n    for i := 0; i&lt; workerCount; i++{<br>\r\n        go func() {\t\t<br>\r\n            for iban := range workChan {<br>\r\n                status := queryIbanStatus(iban)<br>\r\n                updatePayment(status)<br>\r\n            }<br>\r\n        }()<br>\r\n    }<br>\r\n    <br>\r\n    for _, o:= range orders{<br>\r\n        workChan &lt;- o.OrderIban  <br>\r\n    }<br>\r\n    <br>\r\n    close(workChan)<br>\r\n    wg.Wait()<br>\r\n} <br>\r\n<br>\r\nfunc queryIbanStatus(iban string) PaymentStatus{...}<br>\r\n<\/code><\/pre>\n<h2>4. SBP compliance enhancements<\/h2>\n<h3>a. AML Screening Checklist Implementation<\/h3>\n<table>\n<thead>\n<tr>\n<th>field<\/th>\n<th>Validation Rules<\/th>\n<th>data sources<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CNIC number<\/td>\n<td>13 digits, last 1 check digit<\/td>\n<td>NADRA Official API<\/td>\n<\/tr>\n<tr>\n<td>account name<\/td>\n<td>Full name matching, space differences allowed<\/td>\n<td>Core banking systems<\/td>\n<\/tr>\n<tr>\n<td>Transaction Monitoring Threshold Configuration Example (YAML).<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\"`yaml<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>aml_rules.<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>suspicious_amount: &gt;=500000 PKR # about 1800 USD<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>frequency_alert: &gt;5 times\/hour same IP operation<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>country_risk: [\"AFG\", \"IRN\"] # high-risk country code<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>screening_providers.<br \/>\nprimary: \"https:\/\/sbp-screening.pak.gov\"<br \/>\nfallback: \"local_db_cache\"<\/p>\n<pre><code>\r\n b. PECR data protection implementation programme<br>\r\n<br>\r\nEncrypted storage requirements:<br>\r\n1. AES-256 encryption of all personally identifiable information (PII)<br>\r\n2. CNIC numbers need to be stored in separate salted hashes <br>\r\n3. Examples of regular expressions for log desensitisation:<br>\r\n````regexp\/(\\b\\d{5})(\\d{8})(\\b)\/ \u2794 $1$3\/g````<br>\r\n   <br>\r\n 5. Performance optimisation strategies <br>\r\n<br>\r\n\ud83d\udcca Connection Pool Configuration Comparison Table<br>\r\n<br>\r\n| traditional approach | optimised solution |<br>\r\n|---|---|---|<br>\r\nMaximum number of connections |10 |50 (auto-scaling)  <br>\r\nIdle Timeout |60s |300s (to accommodate network fluctuations in Pakistan)  <br>\r\nSSL Handshake | Full Process | Session Reuse + TLS False Start  <br>\r\n<br>\r\n\ud83d\udd27 Practical Tuning Tips<br>\r\n``` nginx# Nginx optimisation snippet for PK payments <br>\r\nupstream payment_gateway {    <br>\r\n zone pk_gateway64M.<br>\r\n server jazzcash.pk resolve keepalive=32;<br>\r\n least_conn; # is suitable for unbalanced PK carrier networks <br>\r\n <br>\r\n keepalive_timeout 75s.<br>\r\n keepalive_requests1000.<br>\r\n} <br>\r\n<br>\r\nserver {    <br>\r\n listen443 quic reuseport;# HTTP\/3 support     <br>\r\n ssl_buffer_size8k;# Reduce RTT times      <br>\r\n ...     <br>\r\n location \/api\/v2\/payments {        <br>\r\n limit_req zone=apilimit burst=20 nodelay; # anti-swipe setting       <br>\r\n }    <br>\r\n}   <br>\r\n<\/code><\/pre>\n<p>6. Disaster preparedness and monitoring system<\/p>\n<p>\ud83d\udee1\ufe0f <strong>Multi-Live Architecture Design Principles<\/strong><\/p>\n<pre><code>Islamabad Main DC \u2194\ufe0e Karachi Alternate DC  <br>\r\n \u251c\u2500 MySQL Group Replication (Cross-region Synchronisation Latency &lt;800ms)      <br>\r\n \u251c\u00f3\u0393\u00e9\u00bc\u0393\u00c7\u00a5 Redis CRDT Data Structure Conflict Resolution       <br>\r\n \u2514\u2500 Dedicated VPN line + PTCL backup line dual channel         <br>\r\n<\/code><\/pre>\n<p>\ud83d\udcc8 Sample Prometheus Monitoring Key Metrics Alert Rule.<br \/>\n<code>yaml alert.rulesgroups:-name:pkr_payment_failures rules:-alert: \"HighFailureRate\" expr:| sum(rate(payment_failed_total{gateway_type=\" jazzcash\"}[5m])) by (merchant_id)\/sum(rate(payment_attempted_total[5m])) by (merchant_id))&gt;0. 15for :10mlabels :severity: \"critical\" annotations :summary : \"High failure rate merchant {{labels merchant_id }}\" description : \"JazzCash has a failure rate of {{value}}%\" <\/code><\/p>\n<hr>\n<p>Suggested next steps: \u25b6\ufe0f Complete the SBP sandbox environment access test first \u25b6\ufe0f Obtain local legal counsel's compliance review opinion on terms \u25b6 Arrange for real network dial-in tests with major ISPs such as PTCL and Zong<\/p>","protected":false},"excerpt":{"rendered":"<p>Building a Payment System to Support Payments in Pakistan: a Developer's Guide 1. Understanding Pakis...<\/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-3432","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5f00\u53d1\u8005\u5fc5\u770b\uff1a\u5982\u4f55\u6784\u5efa\u652f\u6301\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7684\u652f\u4ed8\u7cfb\u7edf - 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, 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