Where do I get my Merchant ID, Key ID, and Shared Secret?

These credentials are issued by HBL when you sign up for their payment gateway service. Contact HBL directly through their corporate banking or merchant services team to obtain your Merchant ID, Key ID, and Shared Secret before starting the setup.

Which payment methods does HBL Unified Checkout support?

HBL Unified Checkout supports Click to Pay, Google Pay, and Apple Pay as payment types. For card networks you can enable VISA, Mastercard, PayPak, AMEX, and CUP. You can activate multiple payment types and card networks simultaneously — choose the combination that best fits your customers.

Can I test before going live?

Yes. Enter your sandbox / demo credentials provided by HBL and enable Test Mode on the activation screen. When you are ready to accept real payments, replace the credentials with your live keys and uncheck Test Mode.

What will my customers see at checkout?

HBL Unified Checkout under UnumPay appears at your Shopify checkout as "Debit – Credit Card". The payment types and card networks you have enabled will be presented to the customer on the HBL-hosted payment page.

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HBL Unified Checkout Integration Guide

Set up HBL Unified Checkout as a payment gateway on your Shopify store through the UnumPay app. Follow these steps to start accepting payments in minutes.

HBL Unified CheckoutPakistan

~10 min setupIntermediate

✓Before You Begin

✓A Shopify store with admin access
✓HBL merchant account with Merchant ID, Key ID, and Shared Secret (provided by HBL)
✓Your store name and a short description or tagline
✓Decision on which Payment Types to enable: CLICKTOPAY, GOOGLEPAY, APPLEPAY
✓Decision on which Card Networks to enable: VISA, MASTERCARD, PAYPAK, AMEX, CUP

Install the UnumPay App

Open the Shopify App Store and install the UnumPay app. Select the Shopify store where you want to activate HBL Unified Checkout as a payment method.

https://apps.shopify.com/unum-pay

Open the App in Shopify Admin

After installation, navigate to the UnumPay app directly from your Shopify Admin or find it manually through settings.

{shopify-admin-domain}/admin/apps/unified-transaction

Replace [shopify-admin-domain] with your actual store domain e.g. yourstore.myshopify.com

Under payment methods, search for "UnumPay" using the "Search by provider" filter.

Configure HBL Unified Checkout

In the UnumPay app left menu select Payment Service Providers. Locate "HBL Unified Checkout" in the list and fill in the configuration fields below.

Client NameEnter your Shopify store name (provided by Merchant)

Merchant IDYour unique merchant identifier (provided by Bank / HBL)

Key IDAPI Key ID provided by HBL (provided by Bank / HBL)

Shared SecretSecret key used to sign transactions, provided by HBL (provided by Bank / HBL)

Payment TypeSelect one or more: CLICKTOPAY, GOOGLEPAY, APPLEPAY (provided by Merchant)

Card NetworkSelect one or more: VISA, MASTERCARD, PAYPAK, AMEX, CUP (provided by Merchant)

Message (Client Description)Short description or tagline about your goods or services (provided by Merchant)

Payment Provider StatusToggle ON to activate

Once all fields are filled, click the Save button.

Activate UnumPay

After saving your configuration, you will be redirected to the activation screen. Review the settings and activate UnumPay to start accepting payments.

🧪

Test Mode

Using sandbox credentials from HBL? Enable Test Mode on the activation screen.

✅

Live Credentials

For real transactions, use live credentials and ensure Test Mode is off.

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Checkout Display

HBL Unified Checkout appears as "Debit – Credit Card" at your Shopify checkout.

FAQ

Need help setting up HBL Unified Checkout?

Our support team is available to guide you through every step of the integration.

Contact Support