Best Payment Options for Your E-commerce Store in Pakistan

Choosing the right payment methods for your online store is critical. If your checkout process is easy and secure, you’ll get more orders. If it’s complicated, customers will leave — even if they love your products!

Here’s a complete guide to the best payment options for e-commerce stores in Pakistan (2025).

1. Cash on Delivery (COD)

Still the most popular method in Pakistan.
Pros:

• Builds trust with new customers
• No upfront risk for buyers

Cons:

• Higher return rates (sometimes fake orders)
• Courier charges slightly higher for COD

Tip: Always confirm big orders on WhatsApp before dispatching.

2. Bank Transfer

Allow customers to transfer money directly into your bank account.
Pros:

• Safe and instant
• No commission cuts

Cons:

• Customers have to upload proof of payment manually

Make sure to share your business account details clearly during checkout.

3. Easypaisa & JazzCash Payments

Mobile wallets are extremely popular.
You can accept payments through:

• Easypaisa app
• JazzCash app
• QR codes for instant payments

Tip: You can generate your merchant account for a more professional look.

4. Payment Gateways for Card Payments

If you want to accept Visa, Mastercard, and other debit/credit cards, you’ll need a payment gateway like:

• PayFast.pk – Trusted by many local stores
• Easypay – Easypaisa’s e-commerce solution
• HBL Pay – For larger businesses

Requirements:

• Registered business (NTN)
• Business bank account
• Live website

5. WhatsApp Payment Links

New trend!
Send customers a payment link directly on WhatsApp using:

• Paymob
• Haball
• Sadapay Business

Super easy for closing sales during casual chats.

6. International Payments

If you want to sell globally:

• 2Checkout (now Verifone)
• Payoneer checkout
• Stripe (only available through partner setups in Pakistan)

Important: Make sure your store’s legal setup matches their requirements.

Which Payment Method Should You Choose?

New Stores: Start with COD + Bank Transfer + Easypaisa.
Growing Stores: Add Card Payment Gateway + WhatsApp Payment Links.
International Sellers: Set up 2 check-out or Payoneer checkout.

Final Words

A good payment system makes your business look professional and trustworthy. Always offer at least two options so customers feel comfortable paying you.

And remember:
AAQAF can help you integrate payment gateways, set up mobile wallet payments, and make your checkout process fast and smooth — at very affordable prices.