As we all know, everything is now done through Online Payment services in Pakistan and all over the world. We can work from anywhere in the globe and make our purchases using, for example, online money transfer services.


 To finish the procedure, you might use several different techniques. Transferring and distributing online money may be done in a variety of ways. Money may be sent online in several different ways. 

We may use jazz Cash, Easy Paisa, Payoneer, and Banking Transfer, among other alternatives, to make online payments.

So, let’s get to know all of the online payment options.


What is an Online Payment?

Online payment organizations handle online or internet-based payment mechanisms. They enable both the buyer and the buyer to accept and transmit payments over the internet.

A payment gateway facilitates the proper processing of online payments by exchanging critical financial information between an online payment portal and the receiving bank. 


What is online payment service?

Online payment services are referred to as “services” for a specific purpose: these are quite a developed system designed to speed the fulfillment of the masses’ social requirements, such as transportation, shopping, communications, and other cash-related transactions.

As a result, it needs to be noted that such services might be both excellent and harmful, depending on certain experiences or conditions.


The following are the primary components of an online payment transaction:

  • The user, acceptor, or seller who makes an online purchase or uses a service.
  • The person, organization, or institution that sells the goods or offers a service to the receiver is known as the trader or seller.
  • The issuer is the bank or financial organization that issues the payee’s payment method, which is commonly a credit or debit card.
  • The bank or financial institution that opens an account for the merchant is known as the merchant account provider or acquirer. The acquirer certifies that the payee’s account is real.
  • The payment processor is the online payment provider that manages the receiver and seller’s online payment transaction.
  • To avoid fraud cases, the payment gateway handles the online payment transaction and employs security measures such as cryptography.


Pakistan’s Best Online Payment services

  • GoLootLo
  • JazzCash
  • HBL-Konnect
  • EasyPaisa
  • FonePay
  • Payoneer
  • Keenu Wallet
  • PayPal

There are various ways to make digital payments in Pakistan, as well as hundreds of online payment options; some of them operate effectively and meet all of your expectations, while others fall short.

Of course, no one wants this to happen, which is why we’ve put together a guide to the finest online payment services in Pakistan to help you make your decision.




GoLootLo is QR-based discount software developed by the National Bank of Pakistan (NBP) that accepts debit cards as payment.

It is the first and biggest QR-based discount app in Pakistan. GolootLo works in the same way as an online wallet in that it needs to be recharged to continue to function.

This debit card, on the other hand, may only be used to make payments at participating retail outlets that have registered with the card issuer.

The reductions are substantial and regular, and they are being given by more than 12,000 domains across 65 cities in Pakistan.

Including hairdressers, restaurants, fashion shops, gyms, clinics, and hotels, among other businesses and institutions.




Jazz Cash is a branch of the Jazz Foundation, which also maintains one of Pakistan’s largest mobile networks.

Jazz Cash is one of Pakistan’s most creative online payment systems, enabling the country to experience the numerous benefits and advantages of turning digital, whether it’s shopping, paying bills, or transferring money.

We can simply measure the service’s popularity by the truth that this wasn’t only bound to availing the services; many small companies and organizations around the country are using Jazz Cash all day transactions and playing up their marketing game.

You may send and receive money using JazzCash using the following methods:

  • Bank account
  • Mobile phone
  • CNIC




HBL Konnect is increasingly now becoming a component of the world’s way of life since it allows consumers to join technology in just a few simple steps.

Users of the HBL Konnect App may also choose from a choice of special offer deals and good savings in shopping, dining, and other entertainments.

An easy payment gateway, HBL-Konnect, allows customers to buy products and services whenever they want. HBL-Konnect allows merchants to accept payments over the platform after they’ve registered to do so.

Transactions on HBL-Konnect include bill payments, fast food orders, and much more. Instead of having a physical branch, HBL-Konnect uses just cellphone numbers to communicate with customers.




EasyPaisa is Telenor’s first digital payment method in Pakistan. It is a secure mobile app-based payment solution.

EasyPaisa customers can recharge mobiles, purchase data bundles, shop online, and pay utility bills. Easypaisa’s payment service is now available as an Android app, allowing users from all networks to utilize it.

Previously, the service was exclusively available to Telenor subscribers.

Customers with EasyPaisa Accounts may now construct a Virtual Debit Card using the EasyPaisa App on their smartphone and use it for online purchases everywhere MasterCard is accepted.




FonePay is one of Pakistan’s oldest and largest e-commerce sites. With MasterCard, Pakistanis may access a wide variety of businesses, products, and services.

FonePay is a simple platform for businesses to sign up for and connect their bank accounts to. Businesses may accept payments from their customers using unique QR codes by doing this.

As a result, clients may also sign up for FonePay. FonePay’s biggest feature is that users may use various bank accounts to pay for goods and services.




Payoneer enables you to transfer money directly to another individual, without the need for a third-party payment processor.

Payoneer users will receive a Master Card ATM Debit card that can be used at any ATM that accepts MasterCard.

Payoneer currently guarantees low transaction fees and allows cash withdrawals. Payoneer allows you to send money to over 200 countries and 150 currencies.


Keenu Wallet


Keenu Wallet is the first and only mobile payment in Pakistan. As the title indicates, the goal of this service is to help customers go cashless by allowing them to conduct cash-related transactions using a mobile application.

You can simply identify Keenu Agents around the country and pay them via a Keenu Wallet account, whether it’s for monthly groceries or just a toothbrush from a nearby retail store.

You may use Keenu Wallet to pay for products through the app, utilize unique bar codes at retail outlets, transfer money between individuals, and even buy things like bus tickets and trip medical coverage, among other things.




PayPak is a national payment system developed by 1Link and registered with the State Bank of Pakistan.

At the present, payments via it are accepted by 20 different financial systems around the nation. It was established in 2016 to reduce the interchange costs of International Payment Schemes.

It operates largely via PayPak cards, which can only be used at ATMs and point-of-sale (POS) services, and has not yet begun to accept online orders.



It’s necessary to make sure that your service provider not just to covers your increasing demands, but which also recognizes and can support your future requirements.

This article will give you with thorough understanding related to online payment best services if you read it from beginning to end.

Thank you for taking the time to read this; I hope you found it useful.

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