Best Payment Gateways in Pakistan (2026): 7 Options Compared
Pakistan’s online payment landscape offers several options for businesses, from mobile wallet providers to payment gateways and merchant payment platforms. The right choice depends on how you sell, whether you operate a Shopify or WooCommerce store, how you collect invoices, and which payment methods your customers prefer.
This guide compares seven payment providers and platforms to help you evaluate their potential fit for your business in Pakistan.
How We Compared These Payment Gateways
We considered the practical factors that matter when selecting a payment provider:
- Payment methods: Cards, Raast, JazzCash, easypaisa, bank transfers, and QR payments, where supported.
- Settlement: How and when funds become available in your bank account.
- Integrations: Support for WooCommerce, Shopify, other platforms, and custom APIs.
- Best fit: The business models and use cases each provider may suit.
- Pricing transparency: Whether pricing is published or provided through a merchant quotation.
- Onboarding and support: Application requirements, technical documentation, and assistance.
Payment availability, regulatory status, pricing, and settlement terms can change. Confirm these details directly with each provider before making a decision.
Pakistani Payment Gateways at a Glance
| Provider | Potential fit | What to investigate | Pricing |
|---|---|---|---|
| Safepay | E-commerce and online businesses | Checkout options, platform integrations, API support | Request current rates |
| PayPro | Businesses with invoicing and collection needs | Invoicing, collection channels, payment methods | Request current rates |
| JazzCash | Businesses serving mobile-wallet users | Merchant acceptance and supported payment flows | Request merchant terms |
| GoPayFast (PayFast) | Businesses evaluating an established payment provider | Payment methods, integrations, settlement | Request current rates |
| XPay (PostEx) | Online stores evaluating checkout integrations | Embedded checkout and platform compatibility | Request current details |
| easypaisa | Businesses serving wallet-first customers | Merchant acceptance and supported integrations | Request merchant terms |
| DeltaPay Global | Businesses exploring payment collection solutions | Available methods, integrations, invoicing, and developer support | Confirm directly |
This is a comparison shortlist, not a verified ranking. The information below identifies areas to investigate rather than guaranteeing that a particular feature is available to every merchant.
The Seven Providers in Detail
1. Safepay
Safepay is a payment provider worth evaluating if you operate an online store or need payment-processing tools for a digital business.
Before choosing it, review its current API documentation, checkout options, supported payment methods, and compatibility with your e-commerce platform. Shopify merchants should confirm current gateway availability and the setup requirements for their store and region.
Worth investigating if: Your priority is an online checkout and a developer-oriented integration.
2. PayPro
PayPro is an option to investigate if your business needs to collect payments for invoices, services, education, or business transactions.
Ask about its current invoicing capabilities, collection channels, supported payment methods, reporting features, and recurring-payment options if those are important to your business.
Worth investigating if: You manage invoice-based payments or need structured collection and reconciliation workflows.
3. JazzCash
JazzCash is a major mobile wallet in Pakistan and offers merchant payment services. Accepting wallet payments may be useful for businesses whose customers prefer paying through their mobile wallets.
Depending on your requirements, investigate direct merchant integration or access through a payment provider that supports JazzCash.
Confirm the current onboarding process, transaction charges, payment flow, refund handling, and settlement terms before integrating it.
Worth investigating if: Your customers frequently use JazzCash and you want to offer a familiar wallet-based payment option.
4. GoPayFast (PayFast)
GoPayFast, also known as PayFast, is another provider to consider when evaluating online payment acceptance in Pakistan.
Review its current payment-method coverage, API documentation, supported website platforms, merchant requirements, and settlement arrangements. If you operate an established online store, also investigate its reporting and transaction-reconciliation features.
Worth investigating if: You want to compare an established payment provider against other available merchant solutions.
5. XPay (by PostEx)
XPay, associated with PostEx, is worth investigating if your business is evaluating checkout integrations for an online store.
Check whether its current checkout experience is compatible with your e-commerce platform, whether customers remain on your website during payment, and how it handles failed transactions, refunds, and mobile checkout.
Worth investigating if: Checkout usability and compatibility with your existing store are priorities.
6. easypaisa
easypaisa is another major mobile wallet in Pakistan with merchant payment services. It may be relevant if your customers prefer wallet-based transactions.
Before integrating directly, compare the requirements with those of a gateway that may offer multiple payment methods through one integration. Check the current merchant eligibility criteria, available integrations, transaction charges, and settlement arrangements.
Worth investigating if: Your customers commonly pay through easypaisa and you want to make that option available.
7. DeltaPay Global
DeltaPay Global is an option to explore when comparing payment solutions for a Pakistani business.
If you’re considering DeltaPay Global, ask its team about the payment methods currently available for your merchant account, its integration options, API documentation, onboarding requirements, and transaction reporting.
You should also confirm whether it supports the particular features your business needs, such as:
- Card and mobile-wallet payments.
- Raast or bank-transfer payment flows.
- WooCommerce, Shopify, or other platform integrations.
- Payment links or invoice-based collection.
- Sandbox credentials and webhook notifications.
- Applicable transaction fees and settlement schedules.
These are evaluation points, not a guarantee that every feature is currently available. Request the latest documentation and written commercial terms before building your checkout around a specific capability.
Visit DeltaPay Global to learn more about its payment solutions and available merchant services.
Which Payment Gateway Should You Choose?
Your best option depends on your actual requirements.
- For a Shopify store: Compare providers based on current Shopify compatibility, supported payment methods, checkout experience, and regional availability.
- For WooCommerce or WordPress: Check whether an official, maintained integration exists and whether it supports your required payment methods.
- For invoicing and business collections: Compare invoicing workflows, payment links, transaction records, and reconciliation tools.
- For wallet-focused customers: Verify that JazzCash and easypaisa are supported either directly or through your chosen provider.
- For custom development: Review the API, sandbox access, authentication requirements, webhook security, error handling, and developer support.
- For cost-sensitive businesses: Compare the full fee structure, including transaction charges, taxes, setup costs, refunds, and any monthly fees.
How to Compare Payment Gateway Pricing
Merchant discount rates (MDR) are only one part of the total cost. When requesting quotations, ask each provider for:
- Card and wallet transaction rates.
- Any charges associated with bank transfers or other payment methods.
- Setup, onboarding, and recurring fees.
- Refund and chargeback charges, where applicable.
- Settlement timelines and any reserves or deductions.
- Applicable taxes and other contractual costs.
Use your expected monthly transaction volume to estimate the effective cost of each option. Request written pricing so you can compare providers on the same basis.
The Bottom Line
There is no single payment gateway that is best for every business in Pakistan. The right provider is the one that supports your preferred payment methods, fits your website or application, offers suitable commercial terms, and provides a reliable way to track and reconcile payments.
Compare Safepay, PayPro, JazzCash, GoPayFast, XPay, easypaisa, and DeltaPay Global against your specific requirements. Verify current pricing, regulatory information, integration availability, and settlement arrangements directly with each provider before making your final decision.