FAQs

PayFast Payment Gateway

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.

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.

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

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.

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 +92 308 2307696 or writing an email to us at complaints@payfastbyapps.com

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

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@payfastbyapps.com

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____ at for further assistance.

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

PayFast offers a wide array of integration methods such as APIs, plugins and redirections. For more details, please click here.

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.

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.

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.

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.

Our pricing strategy is straightforward and transparent:
• No annual or subscription fee
• No setup charges or maintenance fee
• Merchant Discount Rate (MDR) of 3.2%
• Custom MDR for enterprises

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

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.

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 +92 308 2307696

You can find the integration guide here.

You can check here (https://gopayfast.com/docs/#preface).

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.

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

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.

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.
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.

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

Payment Links

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.

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

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.”

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 +92 308 2307696 or writing an email to us at complaints@payfastbyapps.com

Payment Links was crafted with those merchants in mind who do not have a conventional checkout page. This includes freelancers and corporate billers such as:
• Educational Institutes
• Real Estate
• Healthcare
• Non-Profits & NGOs
• Utility Bills
• Memberships

To sign-up, visit https://getstarted.apps.net.pk/signup You can contact us via email info@payfastbyapps.com or through our social media platform. Our merchant alliances team will contact you for on boarding. You may also call us at for further assistance.

Payment Links 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.

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.

This process of settlement is automated. 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.

Payment Links 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.

Our pricing strategy is very simple and transparent:
• No annual or subscription fee
• No setup charges or maintenance fee
• Minimum Merchant Discount Rate (MDR) of 3.2%

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

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.
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

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.

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

No. As per the State Bank of Pakistan’s regulation, we are unable to support or entertain any business that deals with cryptocurrencies.

Yes, we do support individuals and unregistered business entities. You can sign up here and submit your activation form.

Corporate Billing

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

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

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.

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

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

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.

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.

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.

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

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

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

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

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

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.

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

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.

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

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@payfastbyapps.com and our Human Resource Team will reach out to you and guide you on the interview process.

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
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

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.

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

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

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

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

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

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

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

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

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.

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.

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.

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

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

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.

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

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

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.

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

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

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