A payment gateway for Pakistan that needs no merchant account and takes no cut.
Most guides to online payment gateways in Pakistan list the same names: card processors that want a registered business, weeks of paperwork, a merchant account and a percentage of every sale. Then they settle your money a week later.
DPay is the other kind. Your customer pays by bank transfer or wallet, straight into your own NayaPay, Raqami or Meezan account, and DPay confirms it automatically in seconds. No card, no merchant account, no percentage, and the money never passes through anyone else.
Pakistan pays by bank app. DPay is built for that.
Most Pakistanis do not pay online with a card: they pay from Easypaisa, JazzCash or their bank app. DPay gives each order a 1Bill ID and QR that every one of those apps can pay, so the customer pays the way they already know, and nobody types an account number or sends a screenshot.
The money is collected into Downlabs' NayaPay Business account on your behalf, the order turns paid within seconds, and every morning at 6:00 DPay sends you everything paid the day before, less a small fee per order.
Nothing to apply for. Your CNIC and an account to be paid into are the whole requirement.
A fixed fee per paid order, from Rs 7, about 1% of a typical order. No monthly fee.
Yesterday's sales reach your account at 6:00, weekends included. Couriers hold COD for 7–14 days.
Each order has its own 1Bill ID, and NayaPay itself says when it is paid.
Customers pay from the app they already use: any of 47 banks and wallets with 1Bill. You never see a card number.
Each order, fee and payout is in your statement, ready for your accountant.
One link out. One confirmation back.
- 1Create a payment
From the dashboard, a payment link, an invoice, or one API call. DPay returns a hosted checkout and a reference like DPAY-8F4K29.
- 2The customer pays from their own app
They pick the bank or wallet they are paying from, see your receiving account and the exact amount, and transfer as they normally would.
- 3DPay verifies the payment
The transfer is confirmed automatically and tied to this one order, usually within seconds. Nobody checks a screenshot by hand.
- 4You are told, and so is your system
The order is marked paid in the dashboard, the customer gets a receipt, and a signed webhook reaches your server if you have one.
Built for the sellers the card gateways were never built for.
Instagram and WhatsApp shops taking an advance before they ship. Small online stores tired of a quarter of their cash-on-delivery parcels coming back. Freelancers and agencies invoicing local clients. Tuition centres, gyms and subscription boxes billing every month without a card on file. Developers who want a payment API for Pakistan that answers in JSON and signs its webhooks.
If your customers are in Pakistan and pay from a phone, DPay fits. If you sell to customers abroad who pay by card, it does not; that is a different product, and we would rather say so.
Not only a gateway. The back office around it.
A verified payment is the start of the work, not the end of it, so DPay carries the rest: payment links you can reuse, invoices with a PDF and a Pay button, subscriptions that bill by invoice every month, a customer list built from every verified payment, analytics by day and by bank, and an API with webhooks for the day you outgrow the dashboard. Every plan includes all of it; see pricing.
Straight answers.
What is a payment gateway in Pakistan, in plain words?+
A payment gateway is the piece between your customer wanting to pay and your system knowing they did. DPay gives every order its own 1Bill ID and QR: the customer pays it from the bank or wallet app they already use, the order is marked paid within seconds, and DPay pays you out every morning. No card, no screenshot.
Do I need a merchant account to use DPay?+
No. Customers pay into Downlabs' NayaPay Business account, which collects for you as your agent and pays you out every morning. You need your CNIC and a bank account or NayaPay wallet to be paid into. Setup takes a few minutes.
Which banks and wallets can my customers pay from?+
Any app with 1Bill: Easypaisa, JazzCash, HBL, UBL, Meezan, MCB, Allied, Bank Alfalah and the rest of Pakistan's 47 banks and wallets, plus a QR scan in NayaPay.
Is there a percentage fee per transaction?+
No percentage. DPay charges a fixed number of rupees per paid order, from Rs 7 to Rs 199 depending on the order's size (about 1% of a typical order), plus Rs 1,999 once from your first payouts. No monthly fee. See /pricing.
How does DPay know the customer actually paid?+
Each order has its own 1Bill ID, and NayaPay itself tells DPay when that ID is paid. Nothing depends on the customer's screenshot or on matching amounts.
Can I use DPay with Shopify, WooCommerce or a custom site?+
DPay gives you a hosted checkout URL and a REST API with signed webhooks, so any site or server that can redirect a customer and receive a POST can use it. For a shop without a website at all, payment links and invoices work from the dashboard with no code.
Can customers pay with a card?+
No, and that is the point. Only about 8% of Pakistani e-commerce payments go through a card; the other 92% move by wallet and bank account. DPay is built for the 92%. If you need cards as well, run a card gateway alongside it.
Take your first verified payment today.
Your CNIC and an account to be paid into. No monthly fee, nothing up front.