NayaPay

NayaPay is a digital banking platform that provides both virtual and physical Visa debit cards alongside a comprehensive range of payment and money transfer services. The service issues a virtual Visa debit card immediately upon account setup, with the option to order a physical Electric Orange Visa card for in-store and ATM use. Users can transfer money to any bank account within Pakistan without fees, send funds directly to other NayaPay users at no charge, and receive payments using their mobile number as an account identifier or through Raast ID integration, establishing a complete domestic transfer ecosystem.

The platform supports bill payments for multiple utility providers, including K-Electric, LESCO, MEPCO, SNGPL, SSGC, and StormFiber. Reminder notifications help users track payment schedules and avoid missed deadlines. Beyond utilities, the service extends to mobile services with top-ups available for Ufone, Telenor, Zong, and Jazz. Users can purchase data bundles through the same interface, consolidating multiple types of mobile management into a single app. Additional payment functions include traffic challan payment, allowing users to settle traffic fines, and M-Tag recharge capabilities for those using electronic toll collection systems.

The platform provides international functionality. Users can receive global remittances directly to their account via IBAN, creating a pathway for international family transfers or business payments. The platform supports Alipay+ payments across more than 50 countries, including the United Arab Emirates, Malaysia, the United States, the United Kingdom, Turkey, Qatar, and China, enabling spending and transfers in international currencies and regions where Alipay+ is accepted. A partnership with Fly Jinnah integrates airline ticket booking and payment directly into the app, allowing users to purchase flight tickets without leaving the platform.

Transaction management is designed for clarity. All transactions generate digital receipts, viewable within the app for record-keeping and reconciliation. Users receive instant alerts for all account activity, including transactions, transfers, and logins. The app maintains complete transaction history, enabling users to review past activity and track spending patterns over time.

The platform includes security features. NayaPay holds PCI DSS certification for secure payment card handling and ISO 27001 certification for comprehensive information security management. Account access uses fingerprint or Face ID authentication, reducing reliance on passwords and providing biometric security. MPIN verification adds an additional verification layer for sensitive operations. Users can configure individual card spending limits, defining maximum transaction amounts. The card can be frozen or unfrozen immediately from the app if lost or compromised, providing protection without waiting for customer service. Card PIN can be changed independently without visiting a branch or contacting support. Additional control toggles allow users to enable or disable international transactions, online payments, and contactless payments independently, providing granular control over specific card usage types.

Account setup requires a CNIC for verification. NayaPay operates with a transparent fee structure: there are no hidden charges, no annual account maintenance fees, and no SMS surcharges across all standard services.

Card usage extends beyond the app. The physical Visa card works at ATMs worldwide for cash withdrawals in local currencies. Both virtual and physical cards support online shopping at local and international e-commerce sites as well as in-store purchases at physical retail locations using contactless or chip-based payment methods. The physical card is available in multiple colors.

Customer support is available through an in-app chat system operating 24 hours daily, providing real-time assistance for account questions, transaction disputes, or technical issues.