Frequent Asked Questions

Getting Started and Account Requirements

Question	Answer
Q: Do I need to be a registered business to use your payment gateway?	A: Yes. To ensure compliance with the State Bank of Pakistan (SBP) and local banking partners, you must be a legally registered entity (e.g., Sole Proprietorship, Partnership, Private Limited Company) in Pakistan. Individual accounts are generally not supported for commercial payment processing.
Q: What documents are required for activation?	A: The minimum required documents typically include: <ul><li>Proof of Business Registration (SEC/FBR/Provincial documentation).</li><li>Business Bank Account details (including Account Title, Number, and Bank Maintenance Certificate).</li><li>NTN (National Tax Number) and Sales Tax Registration (if applicable).</li><li>Valid CNIC copies of the Owner(s)/Directors.</li></ul>
Q: How long does the merchant account approval and integration take?	A: Once all required documents are submitted and verified, the approval process usually takes [Insert your time here, e.g., 3-5 business days]. Technical integration via our plugins or API can be completed in as little as a few hours, depending on your technical resource availability.
Q: Can I use a personal bank account for settlement?	A: No. Funds must be settled into a business bank account held in the name of the registered entity that signed up for the payment gateway service. This is a mandatory requirement for compliance and financial integrity.

Payments and Funds Settlement

Question	Answer
Q: Which local payment methods do you support?	A: We support all major payment methods used in Pakistan, including: Credit/Debit Cards (Visa, Mastercard, etc., issued by local and international banks), Mobile Wallets (JazzCash, Easypaisa, etc.), Online Bank Transfers, and other local digital channels.
Q: In which currency are payments settled?	A: All transactions are settled directly into your nominated bank account in Pakistani Rupees (PKR), eliminating currency conversion risk on local sales.
Q: What is your typical settlement cycle?	A: Our standard settlement cycle is T+[Insert your typical settlement time, e.g., 2 or 3] working days, where ‘T’ is the date of the successful transaction. Settlement times are subject to bank and gazetted holidays.
Q: How do I handle refunds for customers?	A: You can initiate a full or partial refund directly through your Merchant Dashboard. The processing time for the funds to reflect in the customer’s account usually takes [Insert your refund time, e.g., 7-10 working days], as it depends on the customer’s issuing bank.
Q: What are the transaction charges?	A: Our transaction fees are competitive and volume-based. They consist of a small percentage (Merchant Discount Rate) and a fixed fee per transaction. Please visit our Pricing Page or contact our sales team for a custom quote based on your business volume.

Security and Compliance

Question	Answer
Q: Is your payment gateway compliant with the State Bank of Pakistan (SBP)?	A: Absolutely. Our platform and operations are fully compliant with all rules and regulations set forth by the State Bank of Pakistan (SBP) for Payment Service Providers and Operators.
Q: Is your system secure and PCI DSS certified?	A: Yes. We are fully PCI DSS Compliant (Payment Card Industry Data Security Standard). We use robust encryption and tokenization to ensure no sensitive card data is ever stored on your server, protecting your business and your customers.
Q: How do you handle fraud protection in the local market?	A: We use a dynamic, localized Fraud & Risk Management Module that employs 3D Secure verification for card transactions (which shifts liability to the issuing bank) and uses local pattern analysis to detect and block suspicious transactions.
Q: What is a chargeback and how do you help me manage it?	A: A chargeback is a reversal of a transaction initiated by the customer’s bank (Issuer). If you receive a chargeback, we notify you immediately. We provide a Chargeback Assistance service where our dedicated team guides you on gathering and submitting the necessary evidence (proof of delivery, invoice, terms of service) to successfully dispute the claim.

Technical Integration and Support

Question	Answer
Q: Which e-commerce platforms can I integrate with?	A: We offer ready-to-use plugins/extensions for all major e-commerce platforms popular in Pakistan, including WooCommerce, Shopify, OpenCart, and Magento. Custom integration can be done using our comprehensive REST API.
Q: Do I need a developer to integrate the gateway?	A: If you use one of our pre-built plugins on a major e-commerce platform, setup is straightforward and can be done without a developer. For custom websites or advanced features, a developer may be needed to integrate our APIs.
Q: What kind of technical support do you provide?	A: We offer 24/7/365 dedicated technical support via phone, email, and live chat. Our local support team operates in PKT and is experienced in the local IT landscape to ensure quick resolution of any issues.
Q: Where can I monitor my transactions and settlements?	A: You get access to a powerful, real-time Merchant Dashboard. This portal allows you to view transaction history, initiate refunds, download financial reports, and track your settlement disbursements, all recorded in PKT (Pakistan Standard Time).

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