FAQs

PayFast Payment Gateway

Payment Links

What is PayFast?

PayFast is a flagship payment solution by Avanza Premier Payment Services (APPS). It offers a safe and secure checkout page for E-commerce retailers, payment links, and a bill payments solution to accept payments digitally from customers. We allow customers to pay using a payment card (powered by Domestic and International Payment Schemes), Mobile Wallets and Account Numbers.

How is PayFast better?

PayFast offers the most diverse set of payment methods, a superior interface and experience, 24×7 support through various communciaton channels and is easy to integrate.

What Payment Methods do you offer?

You can make payments through your bank account, payment card or mobile wallet.

Which banks are available on PayFast?
How can I make transactions using PayFast?

Account-based transaction:
You can make payments by entering your bank account number, CNIC and One Time Password (sent on your registered number by your bank)

Card based Transactions:
You can make payments by using any payment card powered by Visa, MasterCard, UnionPay International or PayPak. You simply need to enter your card credentials and One Time Password to complete the transaction.

Mobile Wallet:
Mobile Wallet: you can make payments by entering wallet number and email id. Transaction will be completed after verification on the registered mobile number/wallet.

How can I raise the chargeback request?

If you don’t receive the goods or services ordered within the turnaround time mentioned on the website then you may lodge a chargeback request by contacting your bank or alternatively by calling us at +92 21 37132793 or writing an email to us at complaints@gopayfast.com

How can I check the status of my transactions/order?

Upon successful transaction we will send you a mail hint.  For the status of the order, buyer may contact the merchant directly.

What if I do not receive a payment confirmation email from PayFast?

In case you do not receive a payment confirmation email from PayFast  you can call us at our helpline number +92 21 37132793 or email us at complaint@gopayfast.com

I want to accept payments via PayFast

To sign-up, visit https://getstarted.apps.net.pk/signup

You can contact us via email info@gopayfast.com or through our social media platform. Our merchant alliances team will contact you for on boarding.

You may also call us +92 21 37132793 at for further assistance.

For your ease and convenience, our WhatsApp bot is readily available to answer your queries for prompt redressal.

Which integration methods are being supported by PayFast?

PayFast offers a wide array of integration methods such as APIs, plugins and redirections. For more details, please click here: Preface – Developers: PayFast API Reference (gopayfast.com)

What is the PayFast Dashboard?

PayFast Dashboard is an interface for merchants; it provides information about the activity on your account. This includes the history of transactions, reports and refunds. We provide customized reports that can help you better assess your business performance.

What is the settlement cycle you offer?

Our standard settlement cycle is 2-3 working days (T+2/3), T denotes the date of transaction. Payment will be disbursed to the merchant according to the mode of payment (i.e. Funds Transfer into a given account or Pay Order). Kindly note that working days do not include Saturday, Sunday, gazetted and bank holidays.

How do I collect the payments made by the customer? Is it a manual process?

This process of settlement is not manual. The payment made by the consumers will be disbursed as per mode of payment (i.e Funds Transfer into a given account or Pay Order) selected at the time of going live.

How to reconcile settlements along with the transactions made?

The dashboard provides a report to help you with reconciliations. You may download the transaction details report from the dashboard for a specific range of dates. The report contains complete transaction details including amount, transaction ID and Date & Time.

What are the charges involved? Do you charge any set-up fee?

Our pricing strategy is straightforward and transparent:
• No annual or subscription fee
• No setup charges or maintenance fee
• Merchant Discount Rate (MDR) of 3% (EXCLUSIVE OF TAX)
• Custom MDR for enterprises

Is the pricing negotiable?

Yes, you may offer your desired MDR and the operations team will review it on a case by case basis

Does PayFast offer support to resolve a pending dispute between customer and merchant?

It is our duty to make efforts to resolve the issues faced by our customers, it is our aim to ensure that our customers make purchases with confidence every time they initiate a transaction through PayFast and we are always willing to resolve problems.

In order to conclude a dispute effectively and efficiently, it is recommended that customers initiate direct communication with the merchant to discuss the issue. However, if the merchant is non-responsive to emails or phone calls, then PayFast will assist in resolving the dispute.

Contact us at: +92 21 37132793 or email us at: complaints@gopayfast.com

How do I report potential fraud or unauthorized transactions to PayFast?

If it comes to your knowledge that a transaction was not authorised by you, immediately notify this transaction to the bank as well as PayFast by calling us at +92 21 37132793 or email us at: complaints@gopayfast.com

In order to conclude a dispute effectively and efficiently, it is recommended that customers initiate direct communication with the merchant to discuss the issue. However, if the merchant is non-responsive to emails or phone calls, then PayFast will assist in resolving the dispute.

Contact us at: +92 21 37132793 or email us at: complaints@gopayfast.com

How do I integrate with PayFast?

You can signup at: PayFast – Partner Registration

In order to conclude a dispute effectively and efficiently, it is recommended that customers initiate direct communication with the merchant to discuss the issue. However, if the merchant is non-responsive to emails or phone calls, then PayFast will assist in resolving the dispute.

Contact us at: +92 21 37132793 or email us at: complaints@gopayfast.com

Where can I find the API references?
How do I get my secret key?

Upon completion of the merchant sign-up process, Secret keys can be acquired from the email address used for registration and are visible only at the time of generation. In case you have lost your key, you can regenerate it and replace it in your integration code.

The platform I am integrating with is not listed on your webpage. Can I still integrate?

Yes, It’s possible PayFast will provide some customized documents for integration.

I have a business registered outside of Pakistan. Can I use PayFast to accept payments?

We are planning to launch our service for merchants who reside abroad. Unfortunately, we only support businesses registered in Pakistan at this point in time.

I have a registered business and would like to sign up with Payfast. How should I proceed?

The Merchant must create an account by going on the following link:
https://getstarted.apps.net.pk/signup. You can contact us on email (info@gopayfast.com), call us at +92 21 37132793 for further assistance, or through our Whatsapp Bot.

Do you support unregistered businesses?

Yes, we do support individuals and unregistered business entities. You can sign up at https://getstarted.apps.net.pk/login and submit your activation form.

Do you support cryptocurrency business models?
No. As per the State Bank of Pakistan’s regulation, we are unable to support or entertain businesses that deal with cryptocurrencies.

Payment Links is an extension of PayFast; with this feature, merchants without a conventional E-Commerce website will be able to receive payments for their goods and services

What Payment Methods do you offer?

You can make payments through your bank account, payment card or mobile wallet through PayFast

List of partner banks continues to grow day by day. To see the full list please click here:

Partnered Banks – PayFast (gopayfast.com)

Once you click on the unique link that the merchant sends you, you will be redirected to the PayFast checkout page and make payments through the following channels: “Account-based transaction: You can make payments by entering your bank account number, CNIC and One Time Password (sent on your registered number by your bank) Card based Transactions: You can make payments by using any payment card powered by Visa, MasterCard, UnionPay International or PayPak. You simply need to enter your card credentials to complete the transaction Mobile Wallet: Mobile Wallet: you can make payments by entering wallet number and email id. Transaction will be completed after verification on registered mobile number/wallet.”

How can I raise the chargeback request?

Once you click on the unique link that the merchant sends you, you will be redirected to the PayFast checkout page and make payments through the following channels: “Account-based transaction: You can make payments by entering your bank account number, CNIC and One Time Password (sent on your registered number by your bank) Card based Transactions: You can make payments by using any payment card powered by Visa, MasterCard, UnionPay International or PayPak. You simply need to enter your card credentials to complete the transaction Mobile Wallet: Mobile Wallet: you can make payments by entering wallet number and email id. Transaction will be completed after verification on registered mobile number/wallet.”

Through which methods can I receive payments from customers?

Merchants signed up on PayFast Billing can receive payments through our partner bank’s ADC (Website, Mobile App and OTC) or through Payment Links

Can I place my logo on my invoice?

Yes, the dashboard allows you to make a customizable invoice with company’s logo.

What is the PayFast Billing Dashboard?

The PayFast Billing Dashboard is an interface for merchants; it allows the merchant to generate an invoice that they can send to their customers in the shape of a unique link. The dashboard provides all information about the activity on your account. This includes the history of transactions, reports and refunds. We provide customized reports that can help you better assess your business performance.

What is the settlement cycle you offer?

Our standard settlement cycle is 2-3 working days (T+2-3), T denotes the date of transaction. Payment will be disbursed to the merchant according to the mode of payment (i.e. Funds Transfer into a given account or Pay Order). Kindly note that working days do not include Saturday, Sunday and gazetted/bank holidays.

Corporate Billing

What is the PayFast Billing?

PayFast Billing allows customers to make payments to corporate merchants through their respective banking Alternate Delivery Channels (ADC).

What kind of payments does PayFast Billing support?

PayFast Billing enables digital payments for all corporate merchants that receive payments such as:
• Educational Institutes
• Real Estate
• Healthcare
• Non-Profits & NGOS
• Utility Bills
• Memberships

How can I pay my bill?

Through the Mobile App:
1. Log in to your banking app
2. Select bill payments
3. Choose the business you wish to pay
4. Enter your invoice number and amount
5. Confirm payment


Internet Banking:
1. Log in to your Bank’s Internet Banking Website
2. Select bill payments
3. Choose the business you wish to pay
4. Enter your invoice number and amount
5. Confirm payment Through Payment Links: Once you click on the unique link that the merchant send you, you will be redirected to the PayFast checkout page and make payments through the following channels: Account-based transaction: You can make payments by entering your bank account number, CNIC and One Time Password (sent on your registered number by your bank) Card based Transactions: You can make payments by using any payment card powered by Visa, MasterCard, UnionPay International or PayPak. You simply need to enter your card credentials to complete the transaction Mobile Wallet: Mobile Wallet: you can make payments by entering wallet number and email id. Transaction will be completed after verification on registered mobile number/wallet. Over The Counter: You can make payments by going to one of our partner Over The Counter (OTC) shops, showing them your invoice and making the payment. You can view our list of OTC shops here.

Through which methods can I receive payments from customers?

Merchants signed up on PayFast Billing can receive payments through our partner bank’s ADC (Website, Mobile App and OTC) or through Payment Links

Can I place my logo on my invoice?

Yes, the dashboard allows you to make a customizable invoice with company’s logo.

What is the PayFast Billing Dashboard?

The PayFast Billing Dashboard is an interface for merchants; it allows the merchant to generate an invoice that they can send to their customers in the shape of a unique link. The dashboard provides all information about the activity on your account. This includes the history of transactions, reports and refunds. We provide customized reports that can help you better assess your business performance.

What is the settlement cycle you offer?

Our standard settlement cycle is 2-3 working days (T+2-3), T denotes the date of transaction. Payment will be disbursed to the merchant according to the mode of payment (i.e. Funds Transfer into a given account or Pay Order). Kindly note that working days do not include Saturday, Sunday and gazetted/bank holidays.

How do I collect the payments made by the customer? Is it a manual process?

This process of settlement is not manually. The payment made by the consumers will be disbursed as per mode of payment (i.e. Funds Transfer into a given account or Pay Order) selected at the time of on boarding.

How to reconcile settlements along with the transactions made?

PayFast Billing Dashboard provides a report to help you with reconciliations. You may download the transaction details report from the dashboard for a specific range of dates. The report contains all transaction details including amount, transaction ID and Date & Time.

Other FAQs

What are Mobile Payments?

PayFast, in collaboration with UnionPay International, allows customers to pay via QR and Tap n Pay Contactless Payments through their bank’s mobile app.

How do I make a payment?

1. Login to your Mobile Banking App and Select “UnionPay QR”
2. Create a Virtual Card instantly
3. Scan the QR Code placed on our partner merchants’ stores
4. Add the Payable Amount 5. Enter the OTP received on your registered mobile number
6. Tap on Confirm

Which merchants have signed up for Mobile Payments?

An ever growing list of merchants can be viewed by clicking here:

Our Partner Merchants – PayFast (gopayfast.com)

Which Banks have signed up for Mobile Payments?

An ever growing list of banks can be viewed by clicking here:

Partnered Banks – PayFast (gopayfast.com)

Are there any benefits to paying with QR and Tap & Pay?

While the benefits of contactless payments are manifold, PayFast and UnionPay provide added benefit in the shape of competitive discounts. You can follow our Facebook and LinkedIn here to be notified of new and exciting campaigns.

Are there any fees or charges associated with making Mobile Payments?

UnionPay QR and Tap n Pay payments are completely free from any additional cost for the customer.

Are you a mobile wallet?

No, think of PayFast as a facilitator. While we do not allow you to store funds on our platform, we partner with the largest mobile wallets in Pakistan and enable you to make payments on our merchants through the funds you’ve stored on them.

Do you support Peer-to-Peer transfers?

At the moment, we only offer Customer to Business payments.

How do I apply for a job at PayFast?

We’re always looking for motivated individuals that want to help us in acting as a catalyst for digital payments in Pakistan. You can send us your CV at careers@gopayfast.com and our Human Resource Team will reach out to you and guide you on the interview process.

How do I sign up with PayFast?

1. Create an account by going on the following link: https://getstarted.apps.net.pk/signup
2. Enter your details and submit relevant information
3. Once approved, you will be given credentials for a sandbox environment, where you will be required to perform test transactions
4. Upon successfully performing transactions, you will be given live credentials and checkout plugin

For query contact us at: +92 21 37132793

What is Digital Merchant Sign-Up?

The conventional method of signing up for a payment gateway, which requires the merchant to physically send their documents over mail, is not only tedious and time consuming, but also dangerous in times of covid-19. PayFast provides a remedy for this through Digital Merchant Sign-up, wherein you can create an account and submit your documents through our portal, enabling you to go live from the comfort and safety of your home. To sign-up, you can create an account by going on the following link: https://getstarted.apps.net.pk/signup

What is a sandbox environemnt?

Sandbox refers to a testing environment which every merchant is required to perform before going live on PayFast. This is to ensure that the merchant understands how PayFast works and how its customers will be making payments.

What are the Platforms supported by PayFast?

PayFast is compatible with the following Plugins:
Shopify
OpenCart
Magento
WooCommerce

What are the Platforms supported by Mobile Banking

Currently, Mobile Banking is supported only on Android phones, while iOS is in process.

Where can I find the API references?
Do you accept wire transfers?

Yes, we allow you to pay for the goods directly from your bank account

What currencies do you support?

Currently, we are only dealing with PKR. However, international currencies are in process.

Do you handle currency conversion?

Yes, our checkout page will automatically convert international currencies upon payment and your account/wallet will be debited the converted amount.

What documents are needed for sign-up?

The following documents will be needed from the merchant in order to sign-up: i. NTN
ii. Photo ID i.e. CNIC
iii. Copy of Utility Bill

For further information, you can reach out to us at info@payfastbyapps.com, or call us at +92 308 2307696, or message us on our WhatsAppBot

What should I do if I do not recognize the transaction that I’ve been charged for?

In case you do not recognize the transaction that you have been charged for, you can call us on our helpline +92 21 37132793 or email us at complaints@gopayfast.com

How do I get a refund for a duplicate transaction towards the same order/service?

We only facilitate the merchant with processing online payments. It is requested that you contact the merchant with the transaction details for a refund.

You can also write us an email on: complaints@gopayfast.com

I made a payment and it failed, but the money was debited from my account?

If you have not received a confirmation and the payment has failed, the amount will be auto-refunded to you within 7 working days  from the transaction date. If you don’t receive the refund in 7 days, please provide the below details by raising a complaint here and we will get back to you at the earliest.

1) Account Number

2) STAN

3) Amount

4) Date & Time

5) Merchant Name

6) Email ID

You can also contact us at: +92 21 373132793 or complaints@gopayfast.com

How do I check the status of my refund?

Once the refund is initiated from the merchant’s side, a confirmation email will be sent to you on the email ID used at the time of transaction. This means that the refund was successful from our end.

I have neither received my refund even after 10-12 working days, nor have I received a refund confirmation mail from PayFast What should I do now?

Refunds are ideally credited to your account in 10-12 working days. In case you have not received your refund or a refund confirmation mail, kindly check the status of your refund by contacting the merchant and if they confirm the initiation of the process, then please email us at complaints@gopayfast.com. A refund confirmation mail is sent once the refund is successful.

Why does it take so long for a refund to be credited to my account?

There are several factors and processes involved in a refund process so we advise waiting for 10-12 working days.

I would like to cancel my order or avail a refund

Please note that any query related to order cancellation should be directly made to the merchant. PayFast is a payment gateway and only facilitates the transactions of the merchant. You should follow the return and cancellation policy on the merchant’s website for further guidance

When should a customer file a complaint regarding the non-receipt of an order?

The suggested waiting time before filing a complaint regarding non-receipt of an order is 5-7 working days for the delivery of goods/services (except perishable goods)  ; if delivery is not made even after the mentioned due time, then you may file one at: complaints@gopayfast.com

Does APPS intervene to resolve a pending dispute between a buyer and a merchant?

We feel it is our duty to resolve the issues faced by our customers. It is our aim to ensure that our customers confidently make purchases every time they make a transaction via PayFast. For effective and efficient dispute resolution, it is recommended that customers directly communicate with the merchant to resolve issues. However, if the merchant is non-responsive to emails or phone calls, then PayFast will take up the matter to resolve the issue

How can I file a complaint regarding the non-receipt of an order?

You may contact us by calling +92 21 37132793 or write to us at complaints@gopayfast.com : You will be required to provide the following details: Transaction Date Account Number Problem Statement Details of the order

What is an aggregator?

A merchant aggregator is a service provider that allows merchants to accept payments without having to set up a merchant account. Aggregators can partner with PayFast in order to provide them with digital payment services.

How can an aggregator sign up for PayFast?

1. Create an account by going on the following link: https://getstarted.apps.net.pk/signup

2. Enter your details and submit relevant information

3. Once approved, you will be given credentials for a sandbox environment, where you will be required to perform test transactions

4. Upon successfully performing transactions, you will be given live credentials and checkout plugin

What documents are needed for sign-up?

The following documents will be needed from the aggregator in order to sign-up:
i. NTN
ii. Photo ID i.e. CNIC
iii. Copy of Utility Bill

What are the charges involved? Do you charge any set-up fee?

Our pricing strategy is straightforward and transparent:
• No annual or subscription fee
• No setup charges or maintenance fee
• Merchant Discount Rate (MDR), which varies depending upon the size of the aggregator and the number of expected transactions