Things to Keep in Mind While Choosing an Online Payment Service in Pakistan

We recently published a piece on the benefits of paying bills online in Pakistan, and it got us thinking: “How would someone know about the best online payment services in Pakistan when they’re not aware of the key indicators?”

So, in this blog, we’ll be focusing on two main things: we will first help you identify the best online payment service, and then we’ll move on to list some of the best online payment services in Pakistan. 

What Makes a Service the Best Online Payment Service in Pakistan?

Online payment services are called “services” for a reason, since they are a planned system developed to expedite delivery of the social needs of the masses, such as transit, shopping, communications, and other cash-related transactions. So, it goes without saying that such services can be both good and bad, and it depends on different experiences or factors. However, here are some clear indicators to help you choose the best online payment service in Pakistan:

Simplicity: While lengthy processes and procedures were the start of banking or financial services, this is no longer the case. Simplicity and quickness are now the two leading requirements of consumers. So, make sure that the online payment method you choose is simple to use and maintain. Let’s admit it, life’s already complicated enough, and nobody wants to use a digital payment method that adds up to problems rather than bringing a solution – after all, online payments are supposed to make your life easier. 

Service & Care Centres: If the online payment service you’re opting for hides behind websites and mobile applications only and reaching them for any glitch or error is quite difficult – then your service provider is definitely a piece of bad news. Always sign up for services that are easily reachable, physically, and virtually. 

Mobile Apps: It goes without saying that mobile apps are the easiest way to get payments done, and nobody wants to make their payments via third-party browsers and networks. Paying by a few taps is the way of the world as far as modernisation is concerned. So, the online payment you are leaning towards should have a dedicated mobile application, and while we are on the subject, do not forget to read the reviews of other users about the app. The reviews will give you a clear idea about what to expect from that particular payment service. 

Service Charges & Rewards: Some of the best online payment services in Pakistan charge you against their services, but you need to determine that you are not being charged more than the usual. You can compare the service charges for each transaction and ask around to get an idea about what other service providers are charging. However, some services also give you some percent of cashback on each transaction – what’s better than getting daily rewards on making transactions?  

Moving forward, too many choices are certainly not a good thing, especially when you want a quick solution to make digital payments in Pakistan. So, here’s a list of some of the best online payment services in Pakistan. 

Some of the Best Online Payment Services in Pakistan 

There are many ways to make digital payments in Pakistan and dozens of online payment methods too; some of them work very well and tick all the boxes, while some end up betraying your expectations. Of course, nobody wants the latter to happen, which is why we have listed some of the best online payment services in Pakistan to make the choice easier for you: 

• EasyPaisa
• Jazz Cash 
• HBL-Konnect 
• Keenu Wallet 

Easypaisa

Launched in 2009, Easypaisa claims to be the country’s very first mobile banking platform and the only GSMA mobile money certified service. Without any doubt, Easypaisa has become synonymous with digital payments in Pakistan, and it is successfully serving people to date without any major glitches or errors. Initially, the product was merely used to carry out transactions such as money transfers from one place/medium to another. The service became especially popular with individuals who had to send money back to their families living in other parts of the country – where it took people a few days to travel and handover the money, Easypaisa stepped in and made it a matter of minutes.

Additionally, even though Easypaisa is a part of Telenor Microfinance Bank, the service functions autonomously – without any regional branches. However, there are several deposit franchises and authorised shopkeepers across the country who help people make these transactions. Easypaisa has also installed a few deposit machines in some parts of the country – one can be seen at Ocean Mall, Karachi. Here’s a list of services offered by Easypaisa in Pakistan: 

• Mobile top-up 
• Money transfer including gift money 
• Utility bill payment 
• Movie and concert tickets
• QR payment 

Customer Care Number: 042-111-003737

Mobile Application: Yes

On a side note, did you know that you can now file your tax online via FBR Asaan Tax App? Head over to our blog as we’ve compiled a guide for your convenience. Now, let’s continue from where we left off! 

Jazz Cash 

Jazz Cash is a subsidiary of the Jazz Foundation, which is operating one of Pakistan’s biggest mobile networks as well. Previously known as MobiCash, Jazz Cash is one of the most innovative online payment services in Pakistan that is helping the nation enjoy the many luxuries and conveniences of going digital, be it shopping, paying bills, or money transfer. We can easily judge the success of the service by the fact that it isn’t only limited to individual use; many small businesses and corporations across the country are running their day-to-day transactions via Jazz Cash and stepping up their digital game. So, here’s a list of few transactions you can conduct by using Jazz Cash in Pakistan: 

• Cash transfer
• Utility bill payment & challan payment
• Mobile recharge
• Motorway M-Tag recharge

Customer Care Number: (Area Code) 111-124-444

Mobile App: Yes

HBL-Konnect 

A product by the largest banking network in the country, HBL Konnect is bringing constant innovations with an ever-growing range of digital payment solutions. More than just an online payment service in Pakistan, HBL Konnect is rapidly becoming a part of the nation’s lifestyle since it facilitates its users to embrace digitisation in a few easy steps. The HBL Konnect App also enables its users to select from a range of discount packages and best deals in shopping, restaurants, and other sources of recreation. We’ve compiled a list of services offered by Konnect that you can benefit from:

• In-app purchases (order online food and buy movies, concerts & bus tickets)
• Home remittance account (receive money from abroad directly) 
• Consult a doctor 

Customer Care Number: 021-111-425-111

Mobile App: Yes

Keenu Wallet 

Keenu Wallet is Pakistan’s first and very own digital wallet. As the name suggests, the purpose of this service is to assist users in going cashless and carry out their cash-related transactions via a mobile application. Whether it is about purchasing monthly groceries or just a tooth-brush from a nearby retail store, you can easily find Keenu Agents across the country and pay them via a Keenu Wallet account. Moreover, Keenu Wallet also enables its users to complete transactions such as: 

• Mobile recharge
• Utility bill payment 
• Online payments and cash transfer

Whether you are an individual who is at risk of losing cash or a business that wants to facilitate its customers – going with Keenu Wallet will be among the best decisions made by you. 

Customer Care Number: (03)111-153-368

Mobile App: Yes

It is vital to make sure that your service provider is not only meeting your current needs but is also planning ahead and can support your future requirements as well. Please tell us which online payment service do you use in Pakistan and how does it make matters easier for you at blog@zameen.com. Subscribe to Zameen Blog by entering your email address in the box on your right side. Make sure to like us on Facebook!