Shopify Payments does not work in Pakistan. Finding the best payment gateways for Shopify in Pakistan means understanding your options — from Cash on Delivery to modern payment aggregators.
But here is the real problem: most guides written before 2024 tell you to set up manual JazzCash and Easypaisa transfers. A customer places an order, you share your account number, they send a screenshot, you confirm manually. This process kills conversions. Customers drop off. Fake orders pile up. Your store looks unprofessional.
The best payment gateway setup for a new Shopify store in Pakistan in 2026 is not manual bank transfer — it is a combination of Cash on Delivery for local customers and a modern payment aggregator like UnumPay or Safepay for digital payments.
This guide breaks down every option available to Pakistani Shopify sellers in 2026 — from COD to local aggregators to international gateways — so you can choose the right setup for your store from day one.
Table of Contents
Does Shopify Payments Work in Pakistan?
No. Shopify Payments is not available in Pakistan.
This is not a ban or a restriction specific to Pakistan. Shopify Payments requires banking partnerships, regulatory compliance, and local financial infrastructure in each country before it can be rolled out. Pakistan is simply not on that list yet.
What this means practically: Pakistani sellers cannot use Shopify’s built-in payment processor. You must use third-party payment gateways. And because you are using a third-party gateway, Shopify charges an additional transaction fee on top of the gateway’s own fees — more on this below.
The good news is that the Pakistani fintech ecosystem has matured significantly. Local payment aggregators now exist that solve this problem cleanly.
Understanding the Difference: Methods vs Gateways vs Payout Accounts
Before choosing a solution, you need to understand three different things that Pakistani sellers often confuse:
Payment Methods — How your customer pays. Examples: Cash on Delivery, JazzCash, Easypaisa, credit card, debit card. This is the customer-facing option.
Payment Gateways and Aggregators — The software that processes payments directly inside your Shopify checkout. Examples: UnumPay, Safepay, XPay, bSecure. One aggregator can support multiple payment methods simultaneously.
Payout Accounts — Where you receive your money after a sale. Examples: Payoneer, local bank account. Payoneer is NOT a payment gateway — it is where funds land after being processed by a gateway like Stripe.
This distinction matters. Many Pakistani sellers waste weeks trying to set up Payoneer as a checkout option — it does not work that way.
The Shopify Third-Party Transaction Fee — What Pakistani Sellers Must Know
Because Shopify Payments is unavailable, every Pakistani seller using a third-party gateway pays an additional Shopify fee per transaction. This is called the third-party transaction fee.
On the Basic Plan, Shopify charges 2% per transaction on top of your gateway’s own fee.
So the real cost formula is:
Gateway Fee + Shopify Third-Party Fee = Total Cost Per Transaction
Example with UnumPay:
- UnumPay fee: 0.85%
- Shopify third-party fee: 2.0%
- Total: 2.85% per transaction
Example with bSecure Full Checkout:
- bSecure overrides Shopify’s checkout entirely — this bypasses Shopify’s third-party fee
- bSecure charges: PKR 3,000 onboarding + PKR 3,000/month + 3% per transaction
- No Shopify fee on top because bSecure’s full checkout bypasses it
Understanding this before choosing a gateway saves you money.
Choosing the Best Payment Gateways for Shopify in Pakistan — Beginner’s Path
Start here if you are setting up your first Shopify store. Follow this progression:
Stage 1 — New Store (0 to first 50 orders): COD + Manual Bank Transfer
Stage 2 — Growing Store (50+ orders, trust established): COD + Payment Aggregator (UnumPay or Safepay)
Stage 3 — Scaling Store (international customers): COD + Aggregator + Stripe Atlas
Do not jump to Stage 3 on day one. Start simple, validate your product, then upgrade your payment setup.
Option 1 — Cash on Delivery (COD)
COD is still the backbone of Pakistani eCommerce. Over 70% of online orders in Pakistan are paid cash on delivery — not because customers cannot pay digitally, but because trust in new online stores is low.
For a brand new Shopify store, COD is not optional — it is essential. Customers who have never heard of your store will not pay upfront. COD removes that barrier entirely.
How to enable COD on Shopify: Settings → Payments → Manual payment methods → Cash on Delivery → Activate
Pros:
- Highest conversion rate for new stores
- No setup fees, no transaction fees
- Works for every customer regardless of payment method
Cons:
- High return and refusal rates — some customers order COD with no intention of accepting
- Cash handling and courier reconciliation takes time
- No upfront payment security
Best practice to reduce fake COD orders: Call or WhatsApp customers to confirm COD orders before dispatching. Most serious buyers will confirm. This one step can reduce fake orders by 40-60%.
Best for: All new stores, local Pakistani customers, beginners
Option 2 — Manual Wallet Payments (JazzCash and Easypaisa)
JazzCash and Easypaisa can be added as manual payment methods on Shopify. The customer selects this option at checkout, sends payment to your number, shares a screenshot, and you confirm manually before processing the order.
How to set up: Settings → Payments → Manual payment methods → Create custom payment method → Add your JazzCash or Easypaisa number and instructions
Pros:
- Free to set up
- Familiar to Pakistani customers
- Works without a payment aggregator
Cons:
- Manual confirmation required for every order
- No automated checkout — kills conversion
- Screenshot verification is time consuming at scale
- High risk of fake payment screenshots
Honest recommendation: Use this only when starting out with very low order volumes. Once you reach 20-30 orders per month, switch to a payment aggregator for automated JazzCash and Easypaisa processing.
Option 3 — Payment Aggregators (The Modern Solution for Pakistani Sellers)
Unlike Shopify Payments, local aggregators like UnumPay and Safepay allow merchants to accept cards, JazzCash, and Easypaisa through a seamless onsite checkout — without redirecting the customer or manual confirmation.
This is how serious Pakistani Shopify stores accept digital payments in 2026.
UnumPay
UnumPay is one of the most popular payment aggregators for Pakistani Shopify sellers in 2026. It connects to 40+ payment providers including JazzCash, Easypaisa, and local bank cards from HBL, Meezan, UBL, and others — all through a single integration.
Key details:
- Transaction fee: 0.85% — lowest among Pakistani aggregators
- No monthly subscription fee
- Used by major Pakistani brands including Sapphire and Nishat Linen
- Shopify app available — install and connect directly from Shopify App Store
Real cost on Basic Plan: 0.85% (UnumPay) + 2% (Shopify third-party fee) = 2.85% per transaction
Best for: Sellers who want low transaction fees and broad payment method coverage
Safepay
Safepay is backed by Y-Combinator and Stripe — which makes it one of the most technically robust payment solutions available to Pakistani merchants. It offers an official Shopify onsite checkout app that keeps customers on your store during payment.
Key details:
- Stripe and Y-Combinator backed
- Official Shopify onsite checkout integration
- Supports cards, JazzCash, Easypaisa
- Robust API for developers who need custom integration
Best for: Sellers who prioritize checkout reliability and technical robustness
bSecure
bSecure offers two integration options — a standard payment gateway plugin, or a Full Checkout that completely overrides Shopify’s native checkout. The Full Checkout option is significant because it bypasses Shopify’s 2% third-party transaction fee entirely.
Key details:
- Full Checkout bypasses Shopify’s 2% third-party fee
- Onboarding fee: PKR 3,000
- Monthly fee: PKR 3,000
- Transaction fee: 3% per transaction
- Supports JazzCash, Easypaisa, local bank cards
Real cost calculation: 3% (bSecure) + PKR 3,000/month — no Shopify third-party fee
Best for: High volume stores where avoiding Shopify’s 2% fee justifies the monthly cost
XPay
XPay offers fast onboarding, provides Merchant IDs (MIDs), and is strong for local wallets and card payments. PCI-DSS compliant with support for Raast transfers.
Best for: Sellers who need fast approval and Raast payment support
Option 4 — Manual Bank Transfer
Bank transfer remains a valid option for customers who prefer traditional banking and are uncomfortable with digital wallets.
How to set up: Settings → Payments → Manual payment methods → Create custom payment method → Add your bank account details (bank name, account number, account title, IBAN)
Supported banks: HBL, Meezan Bank, UBL, Allied Bank, Bank Alfalah
Pros:
- Trusted by older customers and B2B buyers
- No transaction fees
- Works for large order amounts where customers hesitate to use wallets
Cons:
- Manual confirmation for every order
- Slow process — bank transfers can take hours
- Not scalable beyond low order volumes
Option 5 — International Payment Gateways
If you are selling to customers in the US, UK, or UAE, you need an international payment gateway. Pakistani sellers cannot directly use Stripe — but there are ways around this.
Stripe via Stripe Atlas
Stripe Atlas is a US business formation service that allows Pakistani entrepreneurs to register a US LLC, get a US bank account, and access Stripe — the world’s most powerful payment gateway.
Important facts:
- Stripe Atlas costs $500 upfront for LLC formation
- You will need to file US corporate taxes annually — this has ongoing costs
- Once set up, you get full Stripe access including recurring payments, subscriptions, and global card processing
- This is not for beginners — it is for sellers who are already generating consistent revenue and want to scale internationally
The payment flow: Customer pays via Stripe → Stripe sends funds to your US bank account → You transfer to Payoneer → Payoneer deposits to your Pakistani bank account
Best for: Established sellers targeting international customers
2Checkout (Verifone)
2Checkout is technically available for Pakistani businesses but comes with a significant warning: rejection rates for Pakistani dropshipping and eCommerce accounts are notoriously high. Many Pakistani sellers apply and get rejected during underwriting.
If you have a legitimate registered business with clean transaction history, your approval chances improve. But do not rely on 2Checkout as your primary payment plan without a backup.
How to Receive International Payouts — The Payoneer Factor
Payoneer is not a payment gateway. This is one of the most common mistakes Pakistani sellers make.
You cannot install Payoneer at your Shopify checkout for customers to pay through. Customers cannot pay you via Payoneer directly.
What Payoneer actually does: it gives you a US bank account number that international payment gateways like Stripe can send funds to. Once funds arrive in your Payoneer account, you withdraw to your Pakistani bank account.
The correct international payment flow:
Customer pays → Stripe processes payment → Stripe sends to Payoneer US account → Payoneer transfers to Pakistani bank
Payoneer is the bridge between international gateways and Pakistani banks — not a gateway itself.
Summary Comparison Table
| Gateway / Method | Setup Difficulty | Transaction Fee | Best For |
| COD | Very Easy | 0% | All new stores |
| Manual JazzCash/Easypaisa | Easy | 0% | Very low volume |
| UnumPay | Easy | 0.85% + 2% Shopify | Growing local stores |
| Safepay | Easy | Contact for rates | Tech-forward sellers |
| bSecure Full Checkout | Medium | 3% + PKR 3,000/mo | High volume stores |
| Bank Transfer | Easy | 0% | B2B, large orders |
| Stripe Atlas | Hard | Stripe rates + $500 setup | International sellers |
| 2Checkout | Medium | Varies | Registered businesses |
Recommended Payment Setup by Store Stage
Brand new store (0 orders): → Enable COD + Manual bank transfer. Keep it simple. Validate your product first.
Growing store (20-50 orders/month): → COD + UnumPay or Safepay. Automate digital payments, reduce manual work.
Established store (100+ orders/month, international customers): → COD + Aggregator + Stripe Atlas via Payoneer for international payouts.
The best payment gateway setup for a new Shopify store in Pakistan is to start with COD and add an aggregator like UnumPay once your store is generating consistent orders.
How to Set Up Payments in Shopify — Step by Step
For COD:
- Go to Settings → Payments
- Scroll to “Manual payment methods”
- Click “Cash on Delivery”
- Activate
For UnumPay or Safepay:
- Go to Shopify App Store
- Search “UnumPay” or “Safepay”
- Install the app
- Complete merchant onboarding on their platform
- Connect to your Shopify store
For Manual JazzCash/Easypaisa:
- Go to Settings → Payments
- Scroll to “Manual payment methods”
- Click “Create custom payment method”
- Name it “JazzCash” and add your number and instructions
- Save
Frequently Asked Questions
Does Shopify Payments work in Pakistan? No. Shopify Payments is not available in Pakistan. Pakistani sellers must use third-party payment gateways, manual payment methods, or local payment aggregators.
Can I use JazzCash directly on Shopify in Pakistan? Yes, but the best approach is through a payment aggregator like UnumPay. Adding JazzCash manually means customers must send payment screenshots — which kills conversion. Aggregators automate this entire process with onsite checkout.
Is Payoneer a Shopify payment gateway? No. Payoneer is a payout destination, not a payment gateway. Customers cannot pay you through Payoneer checkout. You use Payoneer to receive international payments from gateways like Stripe and withdraw to your Pakistani bank.
Does Easypaisa work with Shopify in Pakistan? Yes. Easypaisa can be added manually as a payment method, or processed automatically through aggregators like UnumPay and bSecure.
What is the cheapest payment gateway for Shopify in Pakistan? COD and manual bank transfer have zero transaction fees. For automated digital payments, UnumPay at 0.85% per transaction is currently the lowest fee aggregator — though Shopify’s 2% third-party fee still applies on top.
What is Stripe Atlas and does it work in Pakistan? Stripe Atlas is a US LLC formation service that costs $500 and gives Pakistani entrepreneurs access to Stripe. It works but is not for beginners — it requires US tax filing and is best suited for established sellers targeting international customers.
Can I avoid Shopify’s 2% third-party fee in Pakistan? Yes. bSecure’s Full Checkout option overrides Shopify’s native checkout, which bypasses the 2% third-party transaction fee. However, bSecure charges PKR 3,000/month plus 3% per transaction, so calculate whether this saves money at your order volume.
Which payment gateway is best for a new Shopify store in Pakistan? Start with Cash on Delivery. It requires no setup, has no fees, and has the highest conversion rate for new stores where customers have not yet built trust. Add an aggregator like UnumPay once you are generating consistent orders.
Final Thoughts
Pakistani sellers have more payment options in 2026 than ever before. The manual bank transfer era is ending — local aggregators like UnumPay, Safepay, and bSecure have made it possible to run a fully automated digital checkout from Pakistan.
For most Pakistani sellers, the practical recommendation is straightforward: start with COD to maximize conversions, add UnumPay or Safepay once your store is established, and consider Stripe Atlas only when you are ready to target international customers seriously.
To accept international payments from Pakistan on Shopify, you must combine an international gateway like Stripe (via Stripe Atlas) with a payout account like Payoneer to bridge international funds to your Pakistani bank.
For a complete guide on setting up your Shopify store from scratch — including account creation, shipping, and theme setup — read our detailed guide: How to Set Up a Shopify Store in Pakistan — Complete 2026 Guide
