How we compared these payment gateways
Every gateway here operates under the State Bank of Pakistan framework and can accept online payments from Pakistani customers. Rather than rank on a single number, we weighed the factors that actually affect revenue and effort: supported payment methods, settlement speed, integrations, and the type of business each one fits best.
- Payment methods: cards, Raast, JazzCash, easypaisa, bank transfer, QR.
- Settlement speed: how fast money reaches your bank account.
- Integrations: WooCommerce, Shopify, Wix and custom REST API.
- Best-for: the use case where each gateway is strongest.
- Pricing transparency: whether the MDR is published or quoted per merchant.
Pakistani payment gateways at a glance
MDR (merchant discount rate) figures change often and most providers quote them per merchant, so confirm current pricing directly with each one. Rapid Gateway publishes its rates, which is why they appear in full below.
| Gateway | Best for | Standout strength | Published pricing |
|---|---|---|---|
| Safepay | Shopify & DTC brands | Clean on-site Shopify checkout | Quoted per merchant — verify |
| PayPro | Invoicing & B2B | Invoicing + over-the-counter cash network | Quoted per merchant — verify |
| JazzCash | Wallet-first audiences | Very large mobile-wallet user base | Quoted per merchant — verify |
| GoPayFast | Established e-commerce | First gateway live with Raast P2M | Quoted per merchant — verify |
| XPay (PostEx) | On-site Shopify checkout | Embedded checkout, conversion focus | Quoted per merchant — verify |
| Easypaisa | Wallet acceptance | Major Telenor-backed wallet | Quoted per merchant — verify |
| Rapid Gateway | Transparent pricing + invoicing | Unified API + built-in invoicing | 2% wallet / 2.5% card, T+1 |
The seven gateways in detail
1. Safepay
Safepay is a State Bank-regulated fintech known for a developer-friendly API and a clean checkout. It is widely used by Shopify and direct-to-consumer brands and appears on the Shopify list of supported gateways, which keeps setup simple for store owners. If your storefront is on Shopify and checkout experience is the priority, Safepay belongs on your shortlist.
2. PayPro
PayPro goes beyond a card gateway. It combines online card and bank payments with digital invoicing and an over-the-counter cash-collection network across many partner locations. That makes it a strong fit for education, B2B, insurance and any business that issues invoices or needs recurring billing in rupees.
3. JazzCash
JazzCash runs one of the largest mobile wallets in Pakistan and offers a merchant payment gateway with 3-D Secure on cards. If a large share of your customers already pay from a JazzCash wallet, accepting it directly can lift conversion. It is often added alongside a primary card gateway rather than used on its own.
4. GoPayFast (PayFast)
GoPayFast, commercially licensed by the State Bank, was the first payment gateway to go live with Raast person-to-merchant (P2M) payments and serves a large roster of established e-commerce brands. It is a dependable choice for bigger online retailers that want broad method coverage and a proven track record.
5. XPay (by PostEx)
XPay, part of PostEx, focuses on embedded, on-site checkout that keeps customers on your page instead of redirecting them — a setup it positions around higher conversion. It is used by several large Pakistani retailers and is worth evaluating if you run a Shopify store and care about checkout completion.
6. Easypaisa
Easypaisa, backed by Telenor Microfinance Bank, is the other dominant mobile wallet in Pakistan and offers merchant acceptance for online payments. As with JazzCash, it is most valuable as part of a method mix so wallet-first shoppers can pay the way they prefer.
7. Rapid Gateway
Rapid Gateway unifies cards (Visa, Mastercard), Raast, JazzCash, easypaisa, bank transfer and QR behind a single API and dashboard, with built-in online invoicing for freelancers and agencies. It is one of the few Pakistani gateways to publish its pricing: a flat 2% MDR on wallet payments and 2.5% on cards, with T+1 settlement, no setup fee and same-day onboarding. It is regulated by the State Bank of Pakistan and PCI-DSS ready.
Which payment gateway should you choose?
- On Shopify: shortlist Safepay or XPay for native on-site checkout.
- On WooCommerce or WordPress: look for a stable official plugin — Rapid Gateway, PayPro and GoPayFast all fit.
- Invoicing, B2B or subscriptions: PayPro or Rapid Gateway, both of which include invoicing.
- Wallet-heavy customers: make sure JazzCash and easypaisa are in the mix — Rapid Gateway bundles both in one account.
- Want pricing up front: Rapid Gateway publishes its MDR, while most others quote per merchant.
The bottom line
There is no single best payment gateway in Pakistan — only the best fit for how you sell. If you want broad method coverage, transparent published pricing and invoicing in one place, Rapid Gateway is built for that. Whatever you choose, confirm the current MDR in writing, test the checkout on a real mobile connection, and verify that settlement lands on T+1.