Summary of plugins and SDKs that support Pakistani payments

Below is a summary of plugins and SDKs that support payments in Pakistan, covering mainstream payment methods, mobile wallets and banking channels for developers:

I. International common payment platform (in favour of Pakistan)

  1. Stripe

    • Official website. stripe.com
    • Features: International credit card payments (Visa/Mastercard etc.), subject to confirmation of merchant registration in Pakistan.
    • SDK: JS/React Native/Flutter/iOS/Android

  2. PayPal

    • Official website. paypal.com
    • Features: Cross-border collection is available for some Pakistani users, but merchant onboarding is limited.

  3. 2Checkout (Verifone)

    • Official website. 2checkout.com
    • Features: Supports international cards and localised payments, suitable for digital merchandising.

II. Local payment solutions in Pakistan

1. Mobile wallets

II. Local payment solutions in Pakistan (continued)

1. Mobile wallets & digital payments

  • JazzCash (largest number of users)

    • API Documentation. JazzCash Developer Portal
    • SDK: REST API / PHP/Java/Python Library
    • Features: Support mobile recharge, bill payment, e-commerce transactions, business registration required.

  • EasyPaisa (under Telenor)

    • API Documentation. EasyPaisa Merchant Integration
    • SDK: iOS/Android SDK + Web Plugin
    • Features: Support code scanning payment, in-app payment and agent point cash recharge.

  • UBL Omni (banking wallet)
    Official website. UBL Omni - Need to contact bank for API

2. Bank Transfer & Direct Debit

  • 1Link (1Bill) - Mainstream real-time interbank clearing system in Pakistan
    Mode of co-operation: Access through co-operative banks or PSPs (e.g. HBL/UBL/MCB).
    Applicable Scenarios: Regular deduction of utility bills, tuition fees, etc.

  • IBFT (Inter-Bank Fund Transfer)
    Instant money transfer via local bank API (similar to domestic UnionPay Express).

III. Aggregation Gateway (recommended for small and medium-sized merchants)

The following platforms provide unified APIs to integrate multiple channels:

  1. PayFast PK
    Supports JazzCash/EasyPaisa/Bankcard, suitable for e-commerce sites.

  2. SadaPay Merchant (Emerging Digital Banking)
    Offers prepaid card + online billing, developer friendly.

  3. NayaPay Checkout
    Low rate QR code/REST API solution.

IV. Development considerations

  1. compliance requirement:
    • The SBP (Central Bank of Pakistan) requires all payment services to register as PSPs or work with a licensed party.
  2. handling fee: JazzCash/EasyPaisa around 2-3%, International cards around 4% + forex costs.
  3. Sandbox testing: Both JazzCash and EasyPaisa offer test environments that require corporate qualifications to apply.

Specific code examples are needed to inform the tech stack!