Naya Pay

NayaPay is a State Bank of Pakistan (SBP)-licensed Electronic Money Institution (EMI) that provides a digital wallet, payments platform, and card-based financial services in Pakistan. It allows users to perform everyday financial activities such as sending and receiving money, paying bills, shopping online, and managing funds digitally without needing a traditional bank account.

The platform is designed to support financial inclusion and cashless payments, especially for young users, freelancers, and individuals who prefer mobile-first banking. Each NayaPay account is linked to a CNIC and mobile number, and operates as an e-money wallet where users load funds and spend digitally through virtual or physical Visa cards.

SERVICES

• Digital wallet services: NayaPay provides a mobile wallet that allows users to store electronic money (PKR), manage balances, and perform digital transactions through a smartphone app.
• Money transfer services: Users can send and receive money instantly between NayaPay accounts, bank accounts, and other supported payment channels across Pakistan.
• Bill payment services: The platform supports utility bill payments, mobile top-ups, and other recurring payments directly from the wallet.
• Visa card services: NayaPay offers a free Visa virtual card and optional physical debit card that can be used for online, in-store, and international payments.
• Merchant payment services: Users can pay at a wide network of merchants locally and globally using card or wallet-based payments.
• Remittance services: The platform supports receiving international remittances through partner channels directly into the wallet.
• Bill splitting and group payment tools: Users can split expenses, collect money from groups, and manage shared payments digitally within the app ecosystem.
• Chat-based payment features: The platform includes social-style features that allow users to send money alongside messages and payment requests.

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