Frequently Asked Questions

Prime Pay is a fintech payment aggregator that partners with licensed banks and networks to provide businesses with secure payment acceptance, disbursements, and collection solutions.

Sign up for a Prime Pay merchant account with your bank account, NTN/CNIC, and business details. Once verified, you can start collecting payments right away.

All businesses operating in Pakistan can signup for Prime Merchant.

Yes. Individuals, freelancers, sole proprietors, and companies can register, subject to SBP KYC requirements and verification by our partner banks.

No setup fee or hidden monthly charges. Only a one-time annual account maintenance fee (PKR 5,000) and standard per-transaction charges apply.

Yes. High-volume merchants benefit from custom pricing and reduced transaction fees, negotiated on a case-by-case basis.

Currently, PKR is supported for domestic transactions. For cross-border payments, customers can pay in USD, GBP, EUR, or AED, but settlements to merchants will only be made in PKR (subject to partner bank approval).

We use bank-grade encryption, fraud monitoring, and do not store card details. All sensitive cardholder data is processed by our PCI DSS compliant partners.

Yes. International cards such as VISA and MasterCard are supported via our acquiring partners, subject to compliance approval.

Customers can pay using debit/credit cards, Raast bank transfers, mobile wallets, and other digital channels supported by our partner banks.

Yes. You can send customers payment links or invoices via email, WhatsApp, or SMS to collect payments without having a website or app.

Not at the moment. Recurring billing and subscription management are on our product roadmap and may be introduced in the future.

Refunds can be initiated from your merchant dashboard or via API. Funds are reversed back to the customer’s original payment method, subject to bank timelines.

Yes. QR code payments are supported for all customers through Raast and partner bank integrations. Wallet payments are also available through our supported e-wallet partners.

Yes. Merchants get access to a secure dashboard for reporting, settlements, and reconciliation.

Yes. Our merchant support team is available 24/7 via phone, email, and chat.

For partnerships and business opportunities, email us at business@primepay.pk

Our head office is located in Karachi, Pakistan.

Most transactions are settled within the same or next business day. Settlement speed may vary by acquiring bank.

Yes. Settlements are deposited into your verified bank account, regardless of which bank you use.

Instant payouts are available in partnership with select banks and may be subject to additional charges.

Yes. The minimum payout threshold is PKR 500 per disbursement.

Yes. Merchants can set automated settlement preferences for daily, weekly, or threshold-based payouts.

Yes. Merchants can customize invoices with their logo and brand identity.

Yes. Invoices come with an expiry timeline which you can configure during creation.

Yes. Customers can pay invoices through cards, wallets, banks, or Raast transfers.

Not at the moment. Currently, invoices need to be generated manually, but recurring invoicing is on our future roadmap.

Yes. Customers automatically receive digital receipts via email/SMS after successful payment.

Yes. We provide RESTful APIs for collections, disbursements, refunds, reconciliation, and reporting.

We provide APIs for Collections, Disbursements, Refunds, Invoicing, Reconciliation, and Hosted Checkout.

Yes. A sandbox environment is provided to developers for integration and testing before going live.

Currently, Prime Pay APIs can be integrated with custom-built applications. Official plugins for Shopify, WooCommerce, and other platforms are under development and will be launched soon.

Our APIs are monitored 24/7 with real-time status updates on uptime and latency available on our status page.

Not yet. Currently, merchants can integrate using our REST APIs. SDKs and plugins for popular platforms are planned and will be launched soon.

Yes. Our hosted checkout solution allows customers to securely complete payments without PCI burden on your business.

Yes. Checkout pages can be branded with your company logo and colors.

Yes. Hosted checkout and APIs are optimized for mobile and responsive across all devices.

No. Since Prime Pay does not store card data (we are not PCI DSS certified), saved card payments are not available. This ensures security.

Yes. Checkout can be embedded via SDK or Webview inside your mobile applications.

Yes. Real-time alerts are sent via email, SMS, or webhook notifications for every transaction.

Prime Pay operates as an aggregator in partnership with SBP-licensed banks and networks such as 1LINK/NIFT.

Merchants are verified through Know Your Customer (KYC) and Anti-Money Laundering (AML) checks as per SBP regulations.

Yes. Individuals and freelancers can register, subject to KYC compliance and approval by partner banks.

All sensitive customer data (such as card details) is processed securely by our PCI DSS–compliant banking and network partners. Prime Pay does not store card information. We ensure encryption, secure transmission, and compliance through our partners so your customers’ data remains protected.

No. Prime Pay does not store any card information. Card data is processed securely by licensed banks and PCI DSS compliant processors.