Living in Pakistan, I’ve seen a remarkable shift in how we handle transactions thanks to mobile payment apps in Pakistan. As we approach 2026, these digital platforms have become essential for everything from sending money to paying bills, offering a level of convenience that is hard to overlook.
In this article, I’ll share my top ten mobile payment apps that are making waves in the country. Each app provides unique features and benefits tailored to meet the diverse needs of users. Whether you’re a local resident or a visitor, these apps can significantly enhance your financial experience. Let’s dive in!
1. Wise
If you’re looking for a payment app that’s fast, affordable, and globally trusted, Wise is the ultimate choice. With Wise, I can send money to over 70 countries, including Pakistan, at the real mid-market exchange rate—no hidden fees or inflated costs. You’ll appreciate its multi-currency account, allowing you to hold, convert, and manage 40+ currencies with ease. The Wise debit card also makes spending abroad hassle-free. Whether you’re supporting family, paying bills, or handling international transactions, Wise ensures your money moves securely and efficiently. Join millions of users worldwide and experience why Wise is the leader in global payments.
2. JazzCash
JazzCash is the largest mobile wallet in Pakistan, having more users than any other digital wallets in the country. Being the leading digital wallet in Pakistan, JazzCash has absolutely revolutionized mobile payments in the country by making them more secure and convenient. Find agents and merchants using JazzCash’s locator and start making transactions. Use JazzCash to pay bills, transfer money, make online and in-store payments, and much more.
3. Easypaisa
Easypaisa is the second-biggest mobile wallet in Pakistan in terms of users, and is very closely behind JazzCash. When it comes to mobile payments, JazzCash and Easypaisa are the leading mobile payment apps in Pakistan. Easypaisa is accessible from anywhere in the country, and is accepted in most merchant locations as a payment option. Use its Scan & Pay feature to pay for items and bills within seconds. Additionally, Easypaisa also allows you to transfer money, add cash, top up phone and a lot more.
4. NayaPay
Although not as widely used as JazzCash or Easypaisa, NayaPay is still one of the most used digital wallets in Pakistan. NayaPay provides you with its own debit card that is delivered to you at your own doorstep. Moreover, using this app, you can make payments at merchant locations or pay your bills. Most importantly, all payment options come with top-notch security and fraud management tools, enabling you to make transactions securely.
5. SimSim Pakistan
Launched by Finca, an international non-profit organization, SimSim Pakistan aims to remove the hassle and cost of making payments with cash or having to travel long distances to pay bills. It is an all-in-one mobile payment app that allows you to make contactless payments online and in stores via QR codes. Moreover, you can use this app to order food online, pay utility bills, transfer funds, among many other things.
6. UPaisa
UPaisa is a mobile payment and digital wallet app in Pakistan that allows users to send and receive money, conduct electronic payments and much more. It has a top-class payment system that allows you to make payments in merchant locations via scanning QR codes. Moreover, you can pay your utility bills or transfer money nationwide using UPaisa. Alongside all these features, UPaisa app also enables you to buy Super Card or locate agents.
7. Keenu
Keenu is well-known name in Pakistan’s mobile payment industry, allowing you to access and conduct payment activities with your Keenu Wallet. This app is very popular among Pakistanis, making payments in restaurants and hotels, major retailers and merchant locations and more. It specializes in P2P payments and instant money transfer. Keenu users can use this app to transfer money to their friends and family as well.
8. UBL Digital
Introduced by United Bank Limited, UBL Digital is the mobile banking app of this renowned Pakistani banking company. It is a special kind of banking app that doesn’t just help you manage your account and view statements, it also allows you to transfer funds and make digital payments. Use UBL Digital to pay at stores via QR codes, shop online, pay utility bills, pay credit card and loan fees and transfer money.
9. SC Mobile Pakistan
SC Mobile Pakistan is the official app of Standard Chartered Bank in Pakistan. It is a mobile banking app designed for Standard Chartered Bank users in Pakistan. This all-in-one mobile banking app offers users an opportunity to manage their account, transfer funds and make payments all from their phones. Use SC Mobile Pakistan app’s QR scanning technology to facilitate electronic payments and transfers.
10. Golootlo
Golootlo is an online shopping mobile payment app that allows you to shop online and make purchases. It is accepted by more than 20,000 merchants in Pakistan across over 150 Pakistani cities, both online and in-stores. Golootlo is highly popular in Pakistan for providing very attractive discounts in restaurants, salons, apparel stores, gyms and hotels.
11. Payoneer
Payoneer is perhaps the best international mobile payment app that is operating in Pakistan right now. It is highly popular among merchants who need to make foreign payments or consumers that buy things from abroad. In Pakistan, Payoneer is primarily used to conduct international payments and transfers. It is available in around 200 countries worldwide, connecting the Pakistani e-commerce industry to a massive global audience.
There are mainly two types of mobile payment apps that are popular among Pakistanis, digital wallet apps and mobile banking apps. If you want the simplicity and swiftness of a digital wallet, then go for JazzCash or Easypaisa, the two largest digital wallet apps in Pakistan. However, if you want a mobile payment app that also facilitates your banking needs, then go for apps like UBL Digital or SC Mobile Pakistan.
