SmartPay lets institutions and merchants collect payments through every banking channel in Pakistan from a single integration — 1LINK bill payment, cards, Raast QR and POS terminals. Funds settle directly into your own collection account. We never hold your money.
SmartPay lets institutions and merchants collect payments through every banking channel in Pakistan from a single integration — 1LINK bill payment, cards, Raast QR and POS terminals. Funds settle directly into your own collection account. We never hold your money.
SmartPay is a payment collection platform that connects your organisation to four payment rails through one integration. Through 1LINK — Pakistan's licensed PSO/PSP — your customers can pay from any scheduled bank in the country using internet banking, mobile banking, ATMs, phone banking, call centres or over the counter.
Card payments run through PayFast for Visa, Mastercard and UnionPay. Raast QR is delivered through JS Bank's Zindigi platform. And we supply Meezan Bank POS terminals for in-person collection.
Generate invoices in real time, in bulk, or on a recurring schedule. Customers get SMS and email reminders and digital receipts. You get real-time payment alerts, daily reconciliation and full MIS reporting — with funds credited directly to your collection account on T+1 through one of our three settlement banks: Faysal Bank, Meezan Bank or JS Bank.
The platform is PCI-DSS compliant, and SmartPay never holds your institutional funds at any stage.
Through 1LINK, your customers pay from any scheduled bank in Pakistan — internet banking, mobile banking, ATM, phone banking, call centre or over the counter. One membership, one integration, national coverage.
Visa, Mastercard and UnionPay accepted online through our PayFast integration, so customers who prefer paying by card are never turned away at checkout.
Accept Raast QR payments on Pakistan's instant payment rail via our integration with JS Bank's Zindigi platform — instant, account-to-account, and free of card processing costs.
As an authorised reseller of Meezan Bank POS machines, we supply and deploy card terminals for counter collection — uniting online and in-person payments in one reconciliation view.
Generate challans, bills and invoices individually, in bulk, or on a recurring schedule. Automatic SMS and email reminders go out before due dates, and digital receipts issue on payment — zero paper.
Real-time payment alerts, daily automated reconciliation, and comprehensive MIS reporting across every channel. Funds credit directly on T+1 through Faysal, Meezan or JS Bank.
Sign up as a member institution and we handle technical onboarding with 1LINK and settlement bank account setups on your behalf.
Connect your existing ERP/billing system via API, or run entirely on the SmartPay institution web portal and mobile application.
Go live across all 4 rails. Customers pay using consumer numbers on their advice, with instant real-time alerts dispatched to your team.
1LINK clears daily on a T+1 cycle with commission deducted at source and net amounts credited directly to your collection account.
Common questions about SmartPay payment collection, 1LINK onboarding, T+1 settlement cycles, and integrations.
Schedule a 30-minute consultation with our FinTech team to get connected to 1LINK, Raast, and digital cards.