What is the most popular way to pay online in Pakistan?

Cash on delivery still dominates online orders, but among digital methods wallets lead by far. The SBP counted 433.9 million wallet-based online purchases in Q1 2026, against 32.3 million card e-commerce payments. JazzCash and Easypaisa are the main wallets.

How people pay in Pakistan in 2026

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. The engine is Raast, the central bank's instant payment system, which processed 742.1 million transactions in the quarter. Branchless banking wallets such as JazzCash and Easypaisa, both now backed by licensed banks, are the default way to pay online.

Payment by card in Pakistan

Online, cards play a small role: 32.3 million card e-commerce payments in the quarter, a fraction of wallet payments. Card pricing and interchange fees matter, but in Pakistan the bigger question is whether cards fit at all next to wallets and Raast.

More detail in our #PayWorldTour guide Payment methods in Pakistan.