How do I add a payment gateway to my website in Pakistan?

Start with the account the money will land in. Most gateways settle into a business or current account in the name that matches your store, so a personal savings account in a relative's name causes problems. Then choose the route: a bank's own internet payment gateway, a wallet provider's merchant service for JazzCash or Easypaisa, or an aggregator that bundles cards and wallets behind one integration. Compare what each charges per transaction, how quickly it settles, whether it supports your platform with a ready plugin, and how refunds are handled.

The application is the slow part. Expect to submit identity documents for the owners, proof of the business, bank details and your website address, and the gateway will usually review the site before approving. Reviewers commonly look for a clear returns and refund policy, delivery terms, contact details with a physical address, and product pages with prices. A half-built store with placeholder text can be held back, which is why we write those policy pages early. The exact document list varies by provider, so ask for it in writing at the start.

Once approved, the gateway issues test credentials. The integration is installed, test orders are placed with the gateway's sandbox cards or wallets, and success, failure and refund paths are all checked before switching to live keys. After launch, watch the first real payments arrive in the bank and match them to orders. For stores we build under the Business bundle, we handle the integration and testing and help you through the paperwork; extra gateways beyond the first are quoted after the audit. Cash on delivery stays switched on alongside, since many buyers still prefer it.