How to access Pakistani payments in Shopify?

Accessing Pakistani payments on Shopify requires choosing the right solution based on the payment methods commonly used by your target customers. Below is a step-by-step guide:

1. Understanding of mainstream payment methods in Pakistan

  • card payment:: Visa/MasterCard (limited penetration, about 151 TP3T population have credit cards)
  • Mobile wallet/e-banking::
    • JazzCash(Over 10 million users, support mobile phone top-up transfer)
    • EasyPaisa(owned by Telenor, covering 5 million+ subscribers)
    • UBL OmniHBL Konnect and other banking solutions
  • Prepaid cards/vouchers: e.g. EasyLoad Cards
  • Bank transfers/IBFT: Instant bank transfer service
  • BNPL (buy now pay later): QisstPay is a local emerging platform

2. Direct integration solutions supported by Shopify

(A) Shopify Payments (N/A)

⚠️ Shopify Payments does not currently support Pakistani merchant registration.

(B) Third-party payment gateways

Choose a gateway that supports Pakistan and is compatible with Shopify:

  1. Stripe + JazzCash/EasyPaisa plugin

    • Stripe has not landed in Ba but can be varied in the following ways:
      • Registered Hong Kong/US Corporate Entity Apply for Stripe Account
      • make use ofCheckout.com(supports local acquiring)

  2. Payoneerpayee

    • Suitable for business sellers, customers can pay through Payoneer virtual account

  3. 2Checkout / CC Avenueinternational gateway

  4. Alipay Alipay+
    Some Pak e-commerce companies access JazzCash wallet via Alipay+

3. Manual configuration programme (no code development)

(A) JazzCash/EasyPaisa manual collection process

  1. Enable "Manual Payment Methods" in the backend of the shop.
    2. Add explanatory text: "After selecting JazzCash for payment, you will receive a text message containing our Jazzcash ID (0300-XXXXXXX)."
    3 . Customers are required to upload the voucher to the order notes or email confirmation after completing the transfer.

*(B) QisstPay BNPL staging programme

1 . Contact [QisstPay Merchant Team] mailto.[email protected])
2 . Get the API key and install the custom app in Shopify to implement the staging option display.

4. Key considerations*

✅LICENCE COMPLIANCE: PSP is required to hold a Payment System Operator licence issued by [State Bank of Pakistan (SBP)].
✅Comparison of handling charges.
| Gateway |Rate Range |Settlement Period|
|————–|————|——-|
|JazzCsh Merchant Edition |~25% Transaction Volume* |T+3 |
|UBL Omni |12% +Rs.50 Fixed Fee||
Small businesses may face higher rates initially

💡 Suggested Combination Strategy: Offer both "International Credit Card (via Checkout) + Local Jzash" to cover more customer segments.

If you need further assistance, you can provide me with your specific business model (e.g. whether you have registered a local company) and I can recommend a more precise solution.

Okay, next I will refine the solution for different business scenarios and add key practical details:

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5. Scenario-based configuration programme
Scenario 1: Cross-border e-commerce (customers mainly abroad)
- Recommended Solution: Stripe International Credit Card + PayPal Backup
- Operating Procedure:
1. Registration of Hong Kong company (about US$2,000 through agent)
2. Apply for a Stripe account with company documents
3. Stripe enabled in Shopify backend
*⚠️ Note*: Prices are to be clearly labelled on the product page as "Prices do not include Pakistani import duties".

Scenario 2: Homegrown e-commerce (customers within Pakistan)
- Must receive payment:
1. JazzCash merchant account (local company required)
- Application materials:
- NTN Tax ID Certificate
- Company bank accounts
- Proof of shop traffic (accelerated review for 50+ daily orders)
- API Access Documentation: [JazzCash Developer Centre](https://developer.jazzcash.com.pk/)

2. EasyPaisa Retail Solution
Suitable for small sellers without a business licence:
"`liquid
In the product.liquid of the Shopify theme add.
{% if shop.address.country_code == 'PK' %}

Pay via EasyPaisa

{% endif %}
“`

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6. Shopify backend specific settings
(A) JazzCash Automatic Notification Configuration
1. Log in to [JazzCash Merchant Portal](https://merchant.jazzcash.com.pk)
2. Webhook settings point to the URL.
`https://{your-store}.myshopify.com/admin/api/2023-07/webhooks.json`
3 . Use sandbox number for testing transactions: `03001234567`.

(B) COD cash-on-delivery optimisation*
Even if the main does online payments, it is recommended to keep the COD option:
"`json
// Shopify Script Editor adds geo-restrictions (Pakistan display COD only)
document.addEventListener("DOMContentLoaded", function() {
if (navigator.geolocation.getCountryCode() === 'PK') {
document.querySelector('.payment-method-cod').style.display = 'block';
}
});
“`

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*7*. Rate negotiation techniques*
When negotiating with local payers highlight.
- "Our average monthly turnover is over ₨2,000,000".
- "You can exclusively display your payment logos".
Typical Offer Examples.
UBL Omni offers 20 per cent discount on handling charges for merchants with monthly turnover of over Rs 5 lakh

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*8*. Alternatives (no local entities)*
If it is not possible to register a PA company.
1 . Collections through third-party acquiring platforms such as [PayPro Global](https://payproglobal.com/), with a draw of approximately 7%
2 . Generate an IBAN to receive direct transfers from buyers using a Wise multi-currency account

Need to check your current Shopify package level? Basic packages may restrict certain gateway options.