Customers in Pakistan increasingly want to pay from their phone: a wallet, a bank app or a card. Store owners want fewer cash on delivery orders that get refused at the door. Adding JazzCash, Easypaisa or PayFast to your website answers both, as long as the setup is done properly and tested before launch.
What each option is
| Option | What the customer uses | Notes |
|---|---|---|
| JazzCash | JazzCash wallet, and often cards through the same gateway | Merchant account through JazzCash |
| Easypaisa | Easypaisa wallet, and often cards | Merchant account through Easypaisa |
| PayFast | Cards, bank accounts and wallets through one gateway | Aggregator that brings several methods together |
| Bank transfer | Any bank app, with proof sent by the customer | Manual check by your staff |
| Cash on delivery | Cash to the rider or courier | Still the most common in Pakistan |
Fees, settlement times and documents differ by provider and change over time, so we ask clients to confirm them with the provider directly.
Open a merchant account
Apply with the provider using your business documents and bank account. Approval is between you and them.
Get test credentials
The provider issues sandbox keys so payments can be tested without real money.
Connect checkout
We send the customer to the provider's secure page or form and bring them back to your site after payment.
Confirm on the server
Your server checks the payment with the provider before marking the order paid, so a fake return link cannot fool it.
Go live and reconcile
Switch to live keys, place real test orders, and match the provider's report against your orders.
Why server confirmation matters
A common mistake is to mark an order paid when the customer lands on the thank-you page. That page can be opened without paying. A proper setup waits for the provider to confirm the payment directly to your server. It is the difference between a working store and one that ships unpaid orders.
Keep cash on delivery
Even with online payment, many customers will still choose cash on delivery. Our guide to a cash on delivery ecommerce website explains how to reduce refused orders, and payment gateways for ecommerce in Pakistan compares the options in more depth.
Card details should never pass through or be stored on your own server. The provider's secure page handles them.
Our web development work includes payment setup for stores like RAAH Fits, an online store for a Karachi streetwear brand with its own admin for products, orders and customers. Contact us once you have, or are applying for, a merchant account.
Questions people ask
Can I add JazzCash or Easypaisa to a Shopify or WordPress store?
Often yes, through plugins or apps where the provider supports them. Custom sites connect directly to the provider's integration.
Do I need a registered business for a merchant account?
Providers ask for business and bank documents. Requirements differ, so check with the provider before applying.
How do refunds work?
Refunds are usually issued from the provider's merchant portal and returned to the customer's original method, following the provider's rules.
Can one website offer several payment methods?
Yes. Checkout can offer cash on delivery, a wallet, cards and bank transfer side by side.
