Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Alfa Easypaisa Easypaisa Wallet recurring HBL Konnect JazzCash JazzCash Wallet recurring Online Bank Transfer

Market specifications

Do you want to know more information about Pakistan's market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`PK`	`PKR`	2	CNIC	13 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`AF`	Alfa	`WALLET`	Wallet	`REDIRECT`
`ES`	Easypaisa	`WALLET`	Wallet	`REDIRECT`
`ER`	Easypaisa Wallet recurring	`WALLET`	Wallet	`REDIRECT`
`HB`	HBL Konnect	`WALLET`	Wallet	`REDIRECT`
`JK`	JazzCash	`WALLET`	Wallet	`REDIRECT`
`JR`	JazzCash Wallet recurring	`WALLET`	Wallet	`REDIRECT`
`IO`	Online Bank Transfer	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`

Cards

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit
Minimum amount	10 PKR	10 PKR	10 PKR	10 PKR
Refunds	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes
Descriptor	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

Wallets are a payment method on the rise in Pakistan, with a very disputed share between its players. JazzCash, Easypaisa, Alfa, and HBL Konnect are among the most used ones.

Bank Transfers are also popular in the country.

Alfa

Capabilities

	Alfa
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Alfa redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`AF` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer	Yes
`payer.account_number`	Number	Unique identifier for the Alfa wallet account.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 150,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "AF",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123",
        "account_number": "933303352683680",
        "address": {
            "country": "PK",
            "state": "Sind",
            "city": "Karachi",
            "zip_code": "88058",
            "street": "Man St.",
            "number": "5940"
        }
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-5a2f6697-868d-4cba-5t53-a481bf596dbe",
    "amount": 150,
    "currency": "PKR",
    "payment_method_id": "AF",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-01-27T21:02:17.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-df988464-res3-469e-b638-129e02f123e8"
}

Easypaisa

Capabilities

	Easypaisa
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Easypaisa redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`ES` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 150,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "ES",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123",
        "address": {
            "country": "PK",
            "state": "Sind",
            "city": "Karachi",
            "zip_code": "88058",
            "street": "Man St.",
            "number": "5940"
        }
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-0af8f4ee-6ab0-fddd43-8b85-e2b32960f87f",
    "amount": 150,
    "currency": "PKR",
    "payment_method_id": "ES",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-01-27T20:52:05.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-05150f5e-4523-gg54-9ecb-d77dce044f03"
}

Easypaisa Wallet recurring

Easypaisa Wallet's recurring payments feature allows users to automate regular payments, such as subscriptions or utility bills, directly from their Easypaisa wallet.

Customers only need to authorize the recurring payments once, after which the system automatically deducts the specified amount at the chosen intervals (daily, weekly, or monthly).

Capabilities

	Easypaisa Wallet recurring
Min. amount	3 PKR
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`ER` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines if you want to receive a wallet token for future payments or not.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 3,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "ER",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123"
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "username": "JANEDOE",
        "email": "[email protected]"
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-0af8f4ee-6ab0-fddd43-8b85-e2b32960f87f",
    "amount": 3,
    "currency": "PKR",
    "payment_method_id": "ER",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-01-27T20:52:05.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-05150f5e-4523-gg54-9ecb-d77dce044f03"
}

HBL Konnect

Capabilities

	HBL Konnect
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic HBL Konnect redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`HB` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 150,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "HB",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "4210120289985",
        "address": {
            "country": "PK",
            "state": "Sind",
            "city": "Karachi",
            "zip_code": "88058",
            "street": "Main St.",
            "number": "5940"
        }
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-78d54ff3-cc42-474d-3er5-57c232b91e87",
    "amount": 150,
    "currency": "PKR",
    "payment_method_id": "HB",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-02-17T19:47:22.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-04edb60c-ggf4-4f1b-83b5-965e63e94ebe"
}

JazzCash

Capabilities

	JazzCash
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic JazzCash redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`JK` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 150,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "JK",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123",
        "address": {
            "country": "PK",
            "state": "Sind",
            "city": "Karachi",
            "zip_code": "88058",
            "street": "Man St.",
            "number": "5940"
        }
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-f493f4a2-428c-491a-h678-d8cdc72ff420",
    "amount": 150,
    "currency": "PKR",
    "payment_method_id": "JK",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-01-27T21:15:30.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-f356193f-54rt-4ba1-9f77-d45ef5c11021"
}

JazzCash Wallet recurring

JazzCash Wallet's recurring payments feature allows users to automate regular payments, such as subscriptions or utility bills, directly from their JazzCash wallet.

Customers need to authorize recurring payments only once, and the system will automatically deduct the specified amount at the chosen intervals (daily, weekly, or monthly).

Capabilities

	JazzCash Wallet recurring
Min. amount	3 PKR
Max. expiration time supported	Same day
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`JR` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`wallet.name`	String	Name of the payer's wallet.	No
`wallet.save`	Boolean	Determines if you want to receive a wallet token for future payments or not.	No
`wallet.capture`	Boolean	Determines if you want to capture the payment funds or not.	No
`wallet.username`	String	Username of the payer's wallet account.	Yes
`wallet.email`	String	Email of the payer's wallet account.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 3,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "JR",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123"
    },
    "wallet": {
        "name": "Jane Doe",
        "save": true,
        "capture": true,
        "username": "JANEDOE",
        "email": "[email protected]",
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-f493f4a2-428c-491a-h678-d8cdc72ff420",
    "amount": 3,
    "currency": "PKR",
    "payment_method_id": "JR",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-01-27T21:15:30.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-f356193f-54rt-4ba1-9f77-d45ef5c11021"
}

Online Bank Transfer

Make payments through your bank, with a direct bank transfer in Pakistan.

Capabilities

	Online Bank Transfer
Max. expiration time supported	120 seconds
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Online Bank Transfer redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PKR` Transaction currency in ISO 4217.	Yes
`country`	String	`PK` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`IO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 150,
    "currency": "PKR",
    "country": "PK",
    "payment_method_id": "IO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "3097524704",
        "document": "1234567890123",
        "address": {
            "country": "PK",
            "state": "Sind",
            "city": "Karachi",
            "zip_code": "88058",
            "street": "Man St.",
            "number": "5940"
        }
    },
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-daa63cc5-3346-439f-980o-d85cab981551",
    "amount": 150,
    "currency": "PKR",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "PK",
    "created_date": "2023-03-10T13:21:57.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-2a1a45e7-8765-457f-a605-3b129a409b8a"
}