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_type` name	`document_id` format
`PK`	`PKR`	2	CNIC	13 digits

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`login`	Yes	Yes	Yes
`pass`	Yes	Yes	Yes
`external_id`	Yes	Yes	Yes
`beneficiary_name`	Yes	Yes	Yes
`beneficiary_lastname`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`bank_code`	Yes	Yes	Yes
`bank_account`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`metadata`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`remitter_full_name`	Yes	Yes	Yes
`remitter_country`	Yes	Yes	Yes
`remitter_address`	-	-	Yes
`remitter_document_type`	-	-	Yes
`remitter_document`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`login`	Yes	Yes	Yes
`pass`	Yes	Yes	Yes
`external_id`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`phone`	Yes	Yes	Yes
`beneficiary_name`	Yes	Yes	Yes
`beneficiary_lastname`	Yes	Yes	Yes
`account_type`	Yes	Yes	Yes
`purpose`	-	-	Yes
`remitter_full_name`	-	-	Yes
`remitter_country`	-	-	Yes
`remitter_address`	-	-	Yes
`remitter_document_type`	-	-	Yes
`remitter_document`	-	-	Yes

Payment methods

Pakistan supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Bank transfers in Pakistan require detailed account information, including bank code, IBAN, and metadata for CommercialType. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes and Commercial Type sections for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`login`	API authentication credentials. Maximum 32 characters.
`pass`	API authentication credentials. Maximum 32 characters.
`external_id`	Unique transaction identifier. Maximum 100 characters.
`beneficiary_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary_lastname`	Last name of the beneficiary. Maximum 50 characters.
`country`	Country code. For Pakistan, use `PK`.
`bank_code`	Bank code. See bank codes below.
`bank_account`	IBAN format.
`currency`	Payout currency. For Pakistan, use `PKR` or `USD`.
`amount`	Payout amount. Use up to 2 decimal places.
`metadata`	CommercialType: One of `OFS`, `FCISS`, `PT`. See Commercial Type.
`purpose`	Payouts purpose: `ISSCVE` (for B2C) or `EPREMT` (for P2P).
`remitter_full_name`	Full name of the sender. Maximum 200 characters.
`remitter_country`	ISO 3166-1 alpha-2 code of the sender.
`remitter_address`	Full address of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_document_type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter_document`	Document number of the sender. Maximum 45 characters. Mandatory only for remittance (P2P).

Commercial Type

Type	Description
FCISS	Freelance of Computer and Information Systems Services (Equivalent to upto USD 5000 /individual/month): Remittances received by resident individuals from reputed overseas IT firms and online platforms on account of freelance of computer and information systems services.
OFS	Other Freelance services (Equivalent to up to USD 5000 /individual/month) Remittances received by resident individuals from reputed overseas online platforms, firms and individuals on account of freelance services other than computer and information services.
PT	Pension Transactions (Remittances received from known International Government and other organizations by resident pensioners on account of pensions only).

Example request

{
  "login": "1n234n56",
  "pass": "HolAc123o",
  "external_id": "1234567812345678",
  "beneficiary_name": "JUAN",
  "beneficiary_lastname": "NASCIMENTO",
  "amount": "1100.00",
  "currency": "PKR",
  "remitter_full_name": "Test",
  "remitter_country": "US",
  "country": "PK",
  "bank_code": "13",
  "bank_account": "PK6200250002000000",
  "metadata": {
    "CommercialType": "OFC"
  },
  "notification_url": "https://thisisawebsite.net",
  "type": "json"
}

{
  "login": "1n234n56",
  "pass": "HolAc123o",
  "external_id": "1234567812345678",
  "beneficiary_name": "JUAN",
  "beneficiary_lastname": "NASCIMENTO",
  "amount": "1100.00",
  "currency": "PKR",
  "remitter_full_name": "Test",
  "remitter_country": "US",
  "country": "PK",
  "bank_code": "13",
  "bank_account": "PK6200250002000000",
  "comments": "this is the 1st comment",
  "notification_url": "https://thisisawebsite.net",
  "type": "json",
  "purpose": "ISSCVE",
  "metadata": {
    "CommercialType": "FCISS"
  }
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.

The account_type field must indicate the type of wallet being used (e.g., EasyPaisa, Finca, Apna, UBank, JazzCash, Advans, NRSP, FMB, Khushhali, NayaPay, Paymax, SadaPay, Bykea, Finja).

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`login`	API authentication credentials. Maximum 32 characters.
`pass`	API authentication credentials. Maximum 32 characters.
`external_id`	Unique transaction identifier. Maximum 100 characters.
`amount`	Payout amount. Use up to 2 decimal decimals.
`country`	Country code. For Pakistan, use `PK`.
`phone`	Phone number. Maximum 100 characters.
`beneficiary_name`	First name of the beneficiary. Maximum 50 characters.
`beneficiary_lastname`	Last name of the beneficiary. Maximum 50 characters.
`account_type`	Type of wallet being used: `EASYPAISA`, `FINCA`, `APNA`, `UBANK`, `JAZZCASH`, `ADVANS`, `NRSP`, `FMB`, `KHUSHHALI`, `NAYAPAY`, `PAYMAX`, `SADAPAY`, `BYKEA`, `FINJA`.
`purpose`	Reason for the payout. `EPREMT` for Remittance. Mandatory only for remittance (P2P).
`remitter_full_name`	Full name of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_country`	ISO 3166-1 alpha-2 code of the sender. Mandatory only for remittance (P2P).
`remitter_address`	Full address of the sender. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter_document_type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter_document`	Document number of the sender. Maximum 45 characters. Mandatory only for remittance (P2P).

Example request

{
  "login": "1n234n56",
  "pass": "HolAc123o",
  "external_id": "1234567812345678",
  "beneficiary_name": "JUAN",
  "beneficiary_lastname": "NASCIMENTO",
  "amount": "1100.00",
  "currency": "PKR",
  "country": "PK",
  "account_type": "EASYPAISA",
  "phone": "+923439224698",
  "notification_url": "https://thisisawebsite.net",
  "type": "json"
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Pakistan.

Bank codes

These are the bank codes supported in Pakistan.

Bank Name	Bank Code
Al Baraka Bank Pakistan Limited	30
Allied Bank Limited	04
Apna Microfinance Bank	39
Askari Bank Limited	07
Bank Al Habib	08
Bank Alfalah Limited	09
Bank Islami Pakistan Limited	27
Bank of Azad Jammu Kashmir	33
Bank of Khyber	32
Bank of Punjab	03
Dubai Islamic Bank Ltd	11
Faysal Bank Limited	12
First Women Bank Limited	23
Habib Bank Ltd	05
Habib Metropolitan Bank	13
ICBC	41
Jahangir Siddiqui Bank Ltd	36
KhushhaliBank Limited	53
MCB Bank Limited	06
MCB Islamic Bank (MIB)	43
Meezan Bank Limited	14
Mobilink Microfinance Bank	51
National Bank of Pakistan	02
NIB Bank	18
NRSP	42
SadaPay	52
SAMBA Bank	15
Silk Bank	16
Sindh Bank	21
Soneri Bank Limited	17
Standard Chartered Bank	31
Summit Bank	26
Telenor Bank	38
U Microfinance Bank	40
United Bank Limited	29