Is Apple Pay available in Pakistan?
Not yet. Google Wallet launched in March 2025 and works with cards from banks such as HBL, but Apple has not announced an Apple Pay launch in Pakistan.
In detail
Not yet. Google Wallet launched in March 2025 and works with cards from banks such as HBL, but Apple has not announced an Apple Pay launch in Pakistan.
Payment by digital wallet and X-Pay in Pakistan
X-Pay wallets arrived late. Google Wallet launched in Pakistan in March 2025 for tap-to-pay with Visa and Mastercard cards from banks such as HBL. Apple Pay is not yet available in Pakistan, despite reports of PayPak code in iOS beta versions. New digital banks such as Mashreq and Raqami are now operational, which adds more app-based ways to pay.
How Pakistanis pay by phone instead
Pakistan is moving from cash to phones, and it is skipping cards on the way. According to the State Bank of Pakistan, 92% of the 3.7 billion retail payments made from January to March 2026 were digital, and mobile apps from banks, wallets and electronic money institutions carried 2.9 billion of them. Branchless banking wallets such as JazzCash and Easypaisa, both now backed by licensed banks, are the default way to pay online, and Raast processed 742.1 million transactions in the quarter.
More detail in our #PayWorldTour guide Payment methods in Pakistan.