- Raast Payment Gateway · Pakistan
Raast payment gateway for ecommerce instant, low-fee, every bank.
Raast is Pakistan’s instant payment system from the State Bank of Pakistan. With Raast P2M (Person-to-Merchant), businesses accept payments directly from any Pakistani bank account in real time no card networks, lower fees, instant settlement. DeltaPay gives you Raast P2M integration alongside cards, wallets and bank transfers through one API.
- Real-time settlement
- t Lower MDR than cards
- Every Pakistani bank
Order #4821
Rs. 4,250
Method
Raast P2M
Bank
Settlement
- Approved · 0.8s
What is Raast?
Raast is Pakistan’s first national instant payment system, designed and operated by the State Bank of Pakistan. It enables free, real-time fund transfers between any bank accounts in Pakistan — 24 hours a day, 365 days a year. The merchant variant, Raast P2M (Person-to-Merchant), lets businesses accept payments from customers directly through their bank app via QR codes, payment links, or Request-to-Pay flows. Unlike card payments, Raast bypasses international card networks entirely, which makes it cheaper for merchants and instant for everyone.
Raast P2M became commercially available in 2023–2024 and adoption accelerated rapidly through 2025 and 2026 — making it the fastest-growing payment method in Pakistani ecommerce.
Why Raast matters for Pakistani businesses
Raast is not just another payment method. It’s a fundamentally different rail — and the economics strongly favour the merchant.
Real-time settlement
Funds move instantly between banks. No T+0 wait, no card-network clearing cycle money lands in your account the moment your customer pays.
Lower fees than cards
Raast runs on Pakistan's national rail, bypassing Visa and Mastercard. That means dramatically lower MDR keep more of every sale.
Works with every Pakistani bank
HBL, UBL, Meezan, Allied, Bank Alfalah, MCB, Standard Chartered, Faysal, Bank Al Habib and more every major bank is on the Raast rail.
QR codes & payment links
Generate dynamic QR codes for in-person checkout, or share a one-click Raast link on WhatsApp. Customers scan, approve in their bank app, done.
Zero card data on your servers
Customers pay directly from their bank app no card numbers ever touch your stack. PCI scope drops, fraud risk drops, customer trust goes up.
No wallet app required
Unlike JazzCash or easypaisa, customers don't need a wallet account. If they have any Pakistani bank account, they can pay via Raast instantly.
Three steps to accept Raast on your checkout
Raast lives inside our unified gateway. No separate Raast merchant contract, no extra SDK, no parallel reconciliation.
Onboard with DeltaPay Gateway
One sales call plus KYC. Raast is bundled with cards, JazzCash, easypaisa and bank transfers no separate Raast contract needed.
Enable Raast at checkout
Toggle Raast on in your dashboard. Use our REST API, drop-in JS snippet, or install the WooCommerce, Shopify or Wix plugin it's already wired.
Customers pay instantly
Customer picks Raast, scans a dynamic QR or confirms in their bank app, and the payment lands in your account in seconds.
Raast vs JazzCash vs easypaisa vs Cards
A clear, side-by-side view of the four main ways Pakistani customers pay online — and what each means for your merchant economics.
Feature
Raast
JazzCash
easypaisa
Cards
Settlement time
Real-time (seconds)
T+0
T+0
T+1 to T+2
Typical MDR
Lowest available
2%
2%
2.5%
Customer requirement
Any Pakistani bank account
JazzCash wallet
easypaisa wallet
Visa, Mastercard or UnionPay
Customer experience
Scan QR in bank app
Wallet PIN + OTP
Wallet PIN + OTP
3-D Secure OTP
Refund speed
Instant
Same day
Same day
3–7 days
PCI scope for merchant
None
None
None
SAQ-A or higher
Chargeback risk
Effectively zero
Low
Low
Card-network rules apply
How to integrate Raast with your store
Three deployment paths depending on your stack — same Raast rail under the hood.
Shopify, WooCommerce & Wix
Install the DeltaPay Global plugin, paste your live key, and enable Raast in the dashboard. Raast P2M shows up at checkout next to cards and wallets same flow as any other payment method.
REST API + webhooks
POST a payment intent with methods: ['raast'], redirect the customer to the hosted checkout, and receive a signed webhook the moment settlement completes. JSON in, JSON out.
QR codes & payment links
Generate dynamic Raast QR codes for in-person and counter sales, or share Raast-enabled payment links via WhatsApp, SMS or invoice. No development required.
Raast payment gateway FAQs
The questions Pakistani merchants ask most often about Raast P2M. Don’t see yours? Ask the team directly.
What is Raast?
Raast is Pakistan's first instant payment system, built and operated by the State Bank of Pakistan. It enables real-time fund transfers between any bank accounts in Pakistan, 24/7. The P2M (Person-to-Merchant) variant lets businesses accept payments instantly via QR codes, payment links or request-to-pay flows.
How much does Raast cost merchants?
Raast is significantly cheaper than card payments because it bypasses card networks (Visa, Mastercard) and runs on Pakistan's national rail. Specific MDR varies by gateway; DeltaPay Global customers pay among the lowest published Raast rates in Pakistan.
Which banks support Raast in Pakistan?
All major Pakistani banks support Raast: HBL, UBL, Meezan, Allied, Bank Alfalah, MCB, Standard Chartered, Faysal, Bank Al Habib, Bank of Punjab, Soneri, Askari, Habib Metro, JS Bank and more. If your customer has a bank account in Pakistan, they can use Raast.
Should myDo customers need a wallet or a special app to pay via Raast? store still offer cash on delivery?
No. Unlike JazzCash or easypaisa, customers don't need a separate wallet. They use their existing bank's mobile app to scan the merchant QR code or approve a Raast payment request. Every major Pakistani bank app supports Raast P2M.
How fast does the money arrive in my account?
Raast is real-time. Funds move from your customer's bank account to yours within seconds not the T+1 or T+2 typical of card payments. Your dashboard reflects the payment as settled immediately.
Can I use Raast on Shopify or WooCommerce?
Yes. The Rapid Gateway plugins for Shopify, WooCommerce, Wix and OpenCart all include Raast as a payment method out of the box. Install, paste your live key, and Raast appears at checkout alongside cards and wallets.
Can freelancers accept Raast through invoices?
Yes. Every DeltaPay Global invoice includes a Raast payment option. Share the invoice link via WhatsApp; your client opens it, picks Raast, scans the QR or confirms in their bank app you're paid in seconds.
Is Raast secure?
Yes. Raast is operated by the State Bank of Pakistan with bank-grade security. Payments are authenticated inside each customer's bank app, so card details and account numbers never leave the bank. There's no card data for attackers to steal, which substantially reduces fraud risk for merchants.
How do refunds and chargebacks work on Raast?
Refunds happen instantly via the same rail. Chargebacks (in the card-network sense) don't exist on Raast disputes are handled directly with the customer's bank under SBP guidelines. This dramatically reduces chargeback exposure for merchants compared to card processing.
When did Raast launch in Pakistan?
Raast launched in phases starting January 2021 with Person-to-Person (P2P) transfers, followed by Bulk Payments, and Person-to-Merchant (P2M) the version merchants use to accept payments which rolled out commercially in 2023-2024 and accelerated rapidly through 2025 and 2026.
Ready to add Raast to your checkout?
One call. API docs in your inbox. Live by end of day — with Raast, cards, JazzCash, easypaisa and bank transfers in a single integration