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All You Need To Know About PayPak

PayPak is a domestic payment scheme in Pakistan. It was introduced to promote financial inclusion and provide a local alternative to international card schemes like Visa and Mastercard. It was Launched in 2016 by 1Link (Guarantee) Limited. PayPak operates as a debit card scheme within Pakistan and aims to facilitate electronic transactions for individuals who do not possess international payment cards.

Key Features

  1. Domestic Usage: PayPak cards are designed exclusively for domestic transactions within Pakistan. They cannot be used for international transactions. This makes them a secure and convenient option for local purchases and payments.
  2. Chip-based Security: These cards utilize chip-based technology. This enhances security and reduces the risk of fraudulent activities during transactions.
  3. Accepted Widely: These cards are accepted at a multitude of ATMs, POS (Point of Sale) terminals, and e-commerce platforms across the country. It enables users to make purchases and withdraw cash conveniently.
  4. Financial Inclusion: One of the primary objectives of PayPak is to promote financial inclusion by providing a payment solution to individuals who do not have access to traditional banking services or international payment cards.
  5. No Foreign Exchange Charges: Since it is exclusively for domestic use, users are not subject to foreign exchange charges. It makes it a cost-effective option for local transactions.

How to Get a PayPak Card

PayPakObtaining a PayPak card is an easy process

  1. Choose a Bank: Several banks in Pakistan issue PayPak cards. Individuals interested in obtaining this card can approach these banks and inquire about the application process.
  2. Provide Documentation: Applicants need to provide necessary identification documents, such as a national identity card (CNIC) or other forms of identification required by the issuing bank.
  3. Application and Activation: Once the application is approved, the bank issues the PayPak card. It then needs to be activated before use. Activation processes may vary among different banks.

Benefits of PayPak

  • Security: The chip-based technology ensures a secure transaction environment, reducing the risk of fraud.
  • Convenience: Widely accepted across the country at ATMs, POS terminals, and online platforms, making it convenient for everyday transactions.
  • Financial Inclusion: Extends financial services to individuals who do not have access to traditional banking services or international payment cards.
  • Cost-effective: Eliminates foreign exchange charges since it is solely intended for domestic use, making it a budget-friendly option for local transactions.


PayPak has emerged as a significant player in the domestic payment sector of Pakistan, providing a secure, convenient, and cost-effective payment solution for individuals without access to international payment cards. Its focus on financial inclusion and security measures has made it a favorable choice for many consumers within the country.

As it continues to evolve and gain traction in the Pakistani market, it stands as a testament to the importance of localized financial solutions tailored to the needs of specific regions and demographics.


Farzeen Mubarak
Farzeen Mubarakhttps://bepsych.com/
Hello, I'm Farzeen, a writer who loves to explore different topics. I've written articles on a wide range of subjects, from technology to health, lifestyle, and more. My goal is to create content that's easy to understand and enjoyable to read. When I'm not writing, I'm out discovering new places and trying delicious food. I'm always eager to learn and share fresh insights with my readers.



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