Southern Asia · GDP rank #33
Pakistan
PK · PKR @ 0.0036/USD
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
Cash share of POS value
Debit-card penetration
Credit-card penetration
Payment mix
Cash vs. non-cash
The authored corpus for this country carries a single cash figure; the remainder is reported as a pooled non-cash bucket. See the card and wallet sections for the break-down within that bucket.
Share of POS
- Cash58%
- Non-cash (cards + wallets + A2A)42%
Cash behaviour
- Trend
- declining
- Context
- Cash is the default but losing ground rapidly as Raast scales. Documentation drive under FBR's POS Integration programme is pushing merchant digitisation. Urban professional segments now substantially digital.
Source · State Bank of Pakistan (SBP)
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
PayPak (1LINK's domestic scheme, launched 2016) overtook Visa in debit issuance by 2022; now the default for new SBP-regulated issuance.
Share of card volume
- Paypak49%
- Visa28%
- Mastercard22%
- Union Pay1%
Debit transactions · 2024
Active debit cards
Credit transactions · 2024
Active credit cards
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- Easypaisa Digital Bank49.0M
branchless banking + digital bank
- JazzCash47.0M
branchless banking + wallet
- NayaPay3.0M
EMI wallet + teen card
- SadaPay1.8M
EMI wallet + card
Notable wallets
Easypaisa Digital Bank
branchless banking + digital bank
Operator · Telenor Microfinance Bank / Ant International
Pakistan's oldest mass-market mobile money; granted SBP digital bank licence; commercial launch approved December 2025.
Telenor Microfinance Bank
JazzCash
branchless banking + wallet
Operator · Mobilink Microfinance Bank (VEON group)
Mobilink Microfinance Bank
NayaPay
EMI wallet + teen card
Operator · NayaPay (SBP EMI licence)
NayaPay
SadaPay
EMI wallet + card
Operator · Papara Pakistan (acquired 2024)
Turkish fintech Papara acquired SadaPay in 2024 — first Turkish-Pakistani fintech tie-up.
Papara
Acceptance
- POS terminals
- 152.0k
- POS per million people
- 613
- QR acceptance
- Raast QR (launched 2023) is the interoperable national standard; EMVCo-compliant; subsidised Rs3.5bn programme live since September 2025.
Source · State Bank of Pakistan (SBP)