A complete, no-fluff comparison of the best payment gateways in Pakistan for WooCommerce, Shopify, and custom-built online stores, covering fees, integrations, and who each one is really built for.
The best payment gateways in Pakistan for most online stores in 2026 are JazzCash and Easypaisa for wallet-heavy audiences, PayFast (GoPayFast) and Safepay for State Bank–regulated card processing, and XPay or PayPro for on-site Shopify and WooCommerce checkouts. If your store can't afford merchant account fees yet, a manual payment gateway like our own Clicks Manual Payment Gateways for Pakistan lets you accept Easypaisa, JazzCash, SadaPay, NayaPay, and bank transfers with receipt verification, and it doesn't require a merchant account.
Pakistan's digital economy is moving online faster than at any point in the last decade, and picking the right payment gateway in Pakistan is one of the few decisions that directly affects whether a customer completes checkout or abandons the cart. Below is a curated list of payment gateways in Pakistan, covering local wallets, State Bank licensed PSPs, and bank-issued merchant accounts, along with which ones actually work for Shopify and WooCommerce stores in 2026.
A quick note before you compare: neither PayPal nor Stripe officially supports Pakistan-registered merchants, so when people search for international payment gateways in Pakistan, they're usually looking for local PSPs that can still process Visa, Mastercard, and UnionPay for cross-border customers, not the two Western giants everyone expects. Every gateway below is evaluated with that reality in mind.
| Gateway | Best For | Shopify Ready? | WooCommerce Ready? | Regulator |
|---|---|---|---|---|
| JazzCash | Mobile wallet checkout | Via app/API | Yes (plugin) | SBP-licensed EMI |
| Easypaisa | Widest wallet reach | Via app/API | Yes (plugin) | Telenor Microfinance Bank |
| PayFast | Card + Raast P2M | Yes (app) | Yes (plugin) | SBP-regulated PSO |
| Safepay | Shopify DTC brands | Yes (approved app) | Via API | SBP pilot license |
| XPay | On-site checkout, no redirect | Yes | Yes | PostEx-backed PSP |
| PayPro | Invoicing + B2B billing | Via API | Yes (plugin) | SBP-regulated PSP |
| Bank Alfalah | Corporate merchant accounts | Via API | Via API | Commercial bank |
| HBL Checkout | Large-scale enterprise | Via API | Via API | Commercial bank |
| MCB eGate | Card processing at scale | Via API | Via API | Commercial bank |
| AssanPay | Local-first small business | Limited | Yes | Fintech aggregator |
JazzCash is one of the largest mobile financial services in Pakistan and remains a core part of any serious online payment gateway in Pakistan strategy. It runs on 3D-Secure card processing plus its own wallet rails, and merchants can accept payments through Mobile Account, Voucher, and Credit/Debit Card options. If a meaningful share of your customers already hold a JazzCash wallet, adding it directly can noticeably lift checkout completion.
Visit JazzCash Gateway →Backed by Telenor Microfinance Bank, Easypaisa pioneered branchless banking in Pakistan and still has the widest agent network in the country, which matters heavily for rural and semi-urban buyers. For merchants, it offers a dedicated portal to track transactions and is frequently bundled alongside JazzCash to maximize wallet coverage across both major telecom ecosystems.
Visit Easypaisa →PayFast is a State Bank of Pakistan–regulated payment provider used by thousands of merchants ranging from established retail brands to fast-growing D2C stores. It supports Visa, Mastercard, UnionPay, PayPak, and was the first gateway to go live with Raast person-to-merchant payments, which cuts card-network fees and speeds up settlement.
Visit PayFast →Safepay was the first Pakistani fintech regulated by the State Bank to be listed on Shopify's official payment gateway directory, making it one of the genuine Shopify supported payment gateways in Pakistan. It's known for a developer-friendly API, one-click tokenized checkouts, and PCI-DSS Level 1 compliance, which makes it a favorite for direct-to-consumer brands that care about a fast, on-site checkout experience.
Visit Safepay →XPay is one of the newer, fast-growing names among payment gateways in Pakistan for Shopify stores. It's built around an embedded, on-site checkout that keeps customers from being redirected away mid-purchase, a detail that measurably reduces cart abandonment. XPay is PCI-DSS certified and integrates with websites, apps, and social commerce storefronts, with dynamic payment routing built in to improve success rates.
Visit XPay →PayPro goes beyond a standard card gateway by combining online payments with digital invoicing and an over-the-counter cash-collection network spread across the country. This makes it especially useful for education, travel, insurance, and B2B businesses that issue recurring invoices in PKR rather than running a pure e-commerce cart.
Visit PayPro →Bank Alfalah offers a corporate merchant acquiring solution aimed at mid-sized and larger businesses that can handle more documentation-heavy onboarding in exchange for lower per-transaction rates. It's a solid option when your business already banks with Alfalah and wants a direct card-processing relationship rather than going through a third-party PSP.
Visit Bank Alfalah →Habib Bank Limited (HBL) offers an eCommerce Checkout Solution that lets merchants link Facebook shops, mobile apps, and websites to receive payments through Debit, UnionPay, Mastercard, and Visa. With HBL's massive branch network and reputation for serving previously unbanked customers, it's a dependable pick for merchants who want a bank-backed gateway rather than a fintech intermediary.
Visit HBL →MCB's eGate is a secure card-processing service built on the Mastercard Internet Gateway Services (MPGS) system, backed by MCB's network of over 1,200 branches nationwide. It includes a merchant portal for transaction tracking and a dedicated Fraud Risk Management team, which makes it appealing to businesses that prioritize institutional trust and dispute handling over flashy checkout UI.
Visit MCB eGate →AssanPay was built specifically around the needs of small and mid-sized Pakistani businesses, offering a locally focused aggregator that bundles card processing with wallet-based payment methods. It's frequently discussed as one of the more accessible best payment gateways in Pakistan for merchants who want a simpler onboarding process than what large banks typically require.
Visit AssanPay →Every gateway above requires a merchant account, KYC documentation, and approval time before you can accept a single rupee. If you're just launching your WooCommerce store, Clicks Manual Payment Gateways for Pakistan lets you start collecting payments today with no account, no approval wait, and no percentage cut.
There's no single "best" answer here, only the right fit for how you sell:
The most widely used payment gateways in Pakistan in 2026 are JazzCash, Easypaisa, PayFast, Safepay, XPay, PayPro, and bank-issued gateways from HBL, MCB, and Bank Alfalah. The right one depends on whether you need wallet support, Shopify/WooCommerce integration, or invoicing tools.
No. Neither Stripe nor PayPal officially supports Pakistan-registered businesses due to State Bank of Pakistan regulations, not technical limitations. Merchants who need to accept international cards typically use PayFast, Safepay, or XPay, all of which process Visa, Mastercard, and UnionPay.
Safepay is listed on Shopify's official payment gateway directory, and XPay offers native Shopify integration built for on-site checkout. JazzCash and Easypaisa can also be connected via app or API for stores that want wallet coverage on Shopify.
PayFast and PayPro both offer stable, regularly updated official WooCommerce plugins. JazzCash and Easypaisa can also be added via plugin or API to cover wallet payments alongside cards.
Yes. A manual payment gateway plugin, such as Clicks Manual Payment Gateways for Pakistan, lets you display your Easypaisa, JazzCash, SadaPay, NayaPay, or bank account details at checkout and verify customer-submitted receipts, with no merchant account or approval process required.
Most licensed gateways charge a Merchant Discount Rate (MDR) per transaction, but manual gateway plugins are free to install and carry no percentage fee since payments are collected directly to your own account and verified manually.
Clicks Digital Agency builds and configures WooCommerce and Shopify checkout flows for Pakistani businesses, from manual gateways to full merchant account integrations.
Talk to Clicks Digital AgencyThis guide is reviewed periodically as gateway fees, integrations, and regulatory approvals change. Always confirm current MDR and settlement terms directly with the provider before onboarding.