If you run a Shopify store in Pakistan, finding the right payment gateway is one of the most important decisions you will make. Shopify Payments is not available in Pakistan, which means Pakistani merchants must rely on third-party payment providers to accept payments online. The good news is that in 2026, there are more local and global options than ever before — and a smarter way to manage them all. This guide breaks down what Pakistani Shopify merchants need, what online payment gateway options are available in Pakistan, and how to choose the best payment gateway setup for your store.
- 1.Is Shopify Payments Available in Pakistan?
- 2.What Pakistani Shopify Merchants Actually Need
- 3.Payment Gateway Options Available in Pakistan for Shopify
- 4.Local vs. International Payment Options: What to Consider
- 5.How to Choose the Best Shopify Payment Gateway in Pakistan
- 6.How UnumPay Fits the Pakistan Market
- 7.Frequently Asked Questions
- 8.The Bottom Line
Is Shopify Payments Available in Pakistan?
No. Shopify Payments is currently not available in Pakistan. This is one of the first questions Pakistani merchants ask when setting up their Shopify store, and it is worth addressing directly.
Shopify Payments is only supported in a limited number of countries, primarily in North America, Europe, and a handful of Asia-Pacific markets. Pakistan is not among them.
This does not mean you cannot accept payments on Shopify in Pakistan. It simply means you need to connect a third-party payment provider to your store. Shopify fully supports this, and there is a wide range of Shopify payments alternatives in Pakistan - from local bank gateways and mobile wallets to international processors - covering most Shopify checkout payment methods Pakistani merchants need.
What Pakistani Shopify Merchants Actually Need
The payment landscape in Pakistan is different from Western markets. Customer behaviour, banking infrastructure, and digital adoption patterns all shape what a solid payment setup looks like for a Pakistani e-commerce store. Here is what most merchants need:
- Local payment method support. A large portion of Pakistani customers pay using mobile wallets like JazzCash and Easypaisa, or through direct bank transfers. If your checkout does not offer these, you risk losing a significant share of orders before they are completed.
- Card payment acceptance. Visa and Mastercard remain widely used, particularly among urban shoppers and customers making higher-value purchases.
- Cash on Delivery (COD) management. COD is still a preferred payment method across Pakistan, especially for first-time buyers and customers in smaller cities. A good setup should support COD alongside digital options.
- Multi-gateway flexibility. Relying on a single payment provider creates risk. If that provider goes down, your store stops accepting payments entirely.
- Unified reporting and reconciliation. Managing transactions across multiple gateways without a single view makes accounting unnecessarily complex. One dashboard saves significant time.
- Local checkout trust. Pakistani customers are more likely to complete a purchase when they see familiar, trusted payment options at checkout. Offering local payment methods directly affects conversion rates.
Payment Gateway Options Available in Pakistan for Shopify
Pakistani merchants have access to a range of local and international online payment gateway options. Here is an overview by category:
Local Bank-Based Payment Gateways
Several major Pakistani banks offer payment gateway services that integrate with Shopify through a third-party platform. These include HBL, MCB, Bank Alfalah, Meezan Bank, BOP, and Allied Bank - well suited for merchants who want card processing and bank-based payments through established local institutions.
Mobile Wallets
JazzCash and Easypaisa are the two most widely used mobile wallets in Pakistan. For Pakistani Shopify merchants, offering at least one of these at checkout is increasingly essential rather than optional.
Fintech and Digital Payment Providers
Platforms like Keenu, Abhi Pay, and Assan Pay offer modern, API-driven payment solutions built for the Pakistani market - a practical alternative for merchants looking beyond traditional bank gateways.
International Payment Gateways
For merchants selling cross-border, gateways like Checkout.com and Authorize.net extend your payment reach beyond Pakistan. These are particularly useful for Pakistani merchants targeting customers in the UAE, the UK, or other international markets.
Local vs. International Payment Options: What to Consider
One of the most common decisions for Pakistani Shopify merchants is how to balance local and international payment options. The right answer depends on your customer base.
| Local Gateways | International Gateways | |
|---|---|---|
| Best for | Pakistan-based customers | Cross-border and global buyers |
| Examples | JazzCash, Easypaisa, HBL, MCB | Checkout.com, Authorize.net |
| Checkout trust | High for local buyers | Familiar to international shoppers |
| Setup complexity | Requires local merchant account | Requires international account |
| Ideal when | Most orders are domestic | Expanding to UAE, UK, or beyond |
If the majority of your customers are based in Pakistan, local payment methods should take priority. JazzCash, Easypaisa, and bank-based gateways will cover a large portion of your transactions and build checkout trust with local buyers.
If you are selling internationally - or planning to expand to markets like the UAE, Saudi Arabia, or the UK - you will need international gateways alongside your local options. Merchants who can serve both Pakistani customers and global buyers from a single Shopify store are positioned to grow faster.
The challenge is that integrating and managing multiple gateways individually is complex. Each requires separate setup, separate credentials, and separate reporting. This is where a payment mediation platform becomes the practical solution for most stores.
How to Choose the Best Shopify Payment Gateway in Pakistan
When evaluating payment gateway options for your Shopify store in Pakistan, consider the following:
- Local payment method coverage. Does the gateway or platform support JazzCash, Easypaisa, and major Pakistani bank gateways? Local coverage directly determines how well your checkout converts.
- Ease of Shopify integration. Some gateways require developer resources. Look for options with no-code or low-code setup, especially without a dedicated technical team.
- Transparent pricing. Understand the full cost - not just the headline rate, but currency conversion fees, settlement timelines, and any monthly charges. Hidden fees add up quickly at scale.
- Reliability and uptime. A gateway that goes down during peak hours is a serious business risk. Look for providers with strong uptime records and local support.
- Unified reporting. If you plan to use more than one gateway - which is advisable - you need a single view of all transaction data. Separate dashboards create reconciliation headaches.
- Scalability. Choose a setup that grows with your business. If you plan to expand beyond Pakistan into regional markets, your payment infrastructure should support that without a complete rebuild.
Choosing the right third-party payment provider for Shopify in Pakistan is not about picking the most popular name - it is about matching your customer base, product category, and growth plans.
How UnumPay Fits the Pakistan Market
UnumPay is a Shopify-approved payment gateway mediation platform - not a payment gateway itself. Rather than processing payments directly, it connects your Shopify store to 40+ payment service providers through a single integration, including a strong lineup of Pakistan-specific gateways and wallets.
For Pakistani Shopify merchants, one installation gives you access to local providers like JazzCash, Easypaisa, HBL, MCB, Bank Alfalah, Meezan Bank, BOP, Allied Bank, Keenu, Abhi Pay, and Assan Pay - alongside international options like Checkout.com and Authorize.net for cross-border selling.
How it works:
- Install UnumPay from the Shopify App Store - free to install, no monthly subscription
- Open an account with whichever payment providers you need
- Add your gateway credentials inside UnumPay
- Go live and start accepting payments - no coding required
Everything is managed from one dashboard: transactions, revenue, success rates, and reconciliation reports across all connected gateways. No more logging into multiple provider portals separately.
UnumPay is trusted by 2,500+ merchants across 45+ countries, including well-known Pakistani brands like Nishat Linen, Sapphire, and Habitt. It processes 80,000+ transactions per month and carries a 4.6-star rating on the Shopify App Store.
Pricing is usage-based and transparent. UnumPay charges 0.85% per transaction with no setup fees and no monthly charges - you only pay when you successfully process payments.
For Pakistani merchants who need local payment method coverage, multi-gateway flexibility, and unified reporting without technical complexity, UnumPay is built for exactly this setup.
- Learn more about UnumPay's Pakistan payment coverage
- See full pricing details
- Have questions? Visit the UnumPay FAQ
- Ready to get started? Install UnumPay on Shopify
Frequently Asked Questions
How do I add a payment gateway to my Shopify store in Pakistan?
Go to Shopify admin > Settings > Payments and select a third-party provider. You can connect individual gateways directly, or use UnumPay to manage multiple gateways through one integration.
Does Shopify work in Pakistan?
Yes. You can create a Shopify store, list products, and manage orders without restriction. The only limitation is that Shopify Payments is unavailable - you will need a third-party provider to accept payments.
Can I accept JazzCash payments on my Shopify store?
Yes. JazzCash can be connected to Shopify through UnumPay. Once set up, it appears as a payment option at checkout for your customers.
Can I accept Easypaisa payments on Shopify?
Yes. Easypaisa is supported through UnumPay. Open an Easypaisa merchant account, add your credentials in the UnumPay dashboard, and you are ready to go.
Which Pakistani banks offer Shopify-compatible payment gateways?
HBL, MCB, Bank Alfalah, Meezan Bank, BOP, and Allied Bank - all accessible through UnumPay's single integration.
What is the best payment gateway for a new Shopify store in Pakistan?
Start with a local gateway covering card payments plus a mobile wallet like JazzCash or Easypaisa. UnumPay lets you activate both from one dashboard - a practical starting point for most new stores.
How much does it cost to use a payment gateway in Pakistan for Shopify?
Most Pakistani gateways charge 1.5% to 3.5% per transaction, plus potential setup or monthly fees. UnumPay itself charges 0.85% per transaction with no setup or monthly fees, on top of your chosen PSP's direct charges.
Can I use multiple payment gateways on one Shopify store in Pakistan?
Yes, and it is recommended. Multiple gateways reduce downtime risk and ensure more customers find their preferred payment method at checkout. UnumPay is built specifically for this use case.
Is COD (Cash on Delivery) supported on Shopify in Pakistan?
Yes. Shopify has built-in COD support. Enable it under Settings > Payments, and some third-party platforms also offer advanced COD management features.
Is UnumPay available in Pakistan?
Yes. UnumPay has strong local coverage in Pakistan, supporting JazzCash, Easypaisa, HBL, MCB, Bank Alfalah, Meezan, BOP, Allied Bank, and more. Brands including Nishat Linen, Sapphire, and Habitt use UnumPay to manage their Shopify payments.
The Bottom Line
Pakistan's e-commerce market is growing fast, and payment infrastructure is central to that growth. Since Shopify Payments is unavailable in Pakistan, the right third-party payment setup is not optional - it is the foundation your store runs on.
The best approach for Pakistani Shopify merchants in 2026 is to combine local payment methods like JazzCash, Easypaisa, and bank gateways with the flexibility to serve international customers as you scale. A payment mediation platform like UnumPay makes this manageable without developers or multiple separate integrations.