Qitero Qitero

PayPak Card

Country: Pakistan (PK)  |  Payment Rail: card_network

Card Market Adoption: 15%

PayPak is Pakistan's domestic card payment scheme, providing low-cost debit card processing for local ATM withdrawals and retail shopping.

🔄 User Payment Flow

  1. Customer enters PayPak card digits at checkout page
  2. Customer completes 2FA authentication challenge via SMS OTP
  3. Transaction processes instantly and bank account is debited

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant routes transaction request to local 1LINK card acquirer gateway
  • PSP verifies 3DS/OTP challenge status
  • PSP triggers capture notification

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal