PayPak (Urdu: پے پاک‎) is a Pakistani domestic payment scheme launched by 1Link under the State Bank of Pakistan Vision 2020. Currently, 20 of the country’s banks have adopted it.[1] The reason to launch this domestic payment scheme was to save inter-change costs of International Payment Schemes. PayPak cards can only be used on ATMs & POS Terminals throughout Pakistan and are yet to be enabled for online transactions.[2]

The new payment scheme aims to compete in the domestic market with other international payment schemes like Rupay, Visa, MasterCard & UnionPay.[3]

Technology and license

PayPak uses the Gemalto’s product PURE.[4] PURE is an off-the-shelf payment application from Gemalto that is fully compliant with the EMV™ standard. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. PURE is also a scheme-agnostic EMV application that private-label card issuers and national payment associations can use without the need to enter into a business agreement with another payment scheme.

Market share

The uptake of the payment scheme has been slow.[5] As of April 2019, 1.5 million PayPak cards have been issued[2] – representing 3.5% of the 41.9 million payment cards issued in the country.[6]


  1. ^“First domestic payment scheme launched”. Dawn. 2016-04-06. Retrieved 2019-04-28.
  2. ^ Jump up to:ab Khan, Mutaher (2019-04-21). “Tech talk: A local startup bets the bank on electronic payments”. Dawn. Retrieved 2019-04-28.
  3. ^“Pakistan’s First Domestic Payment Scheme PayPak Launched”. ProPakistani. Retrieved 2019-04-28.
  4. ^“1LINK selects Gemalto PURE white-label EMV technology for PayPak”. Daily Times. 2018-01-29. Retrieved 2019-04-28.
  5. ^“SBP asks banks to accelerate adoption of PayPak cards”. The Nation. 2017-12-08. Retrieved 2019-04-28.
  6. ^“Payment Systems Review – Quarter 1 FY19” (PDF). State Bank of Pakistan.

Ofer Abarbanel – Executive Profile

Ofer Abarbanel online library

Ofer Abarbanel online library

Ofer Abarbanel online library

Ofer Abarbanel online library