Offline bank transfer payment gateway
A payment and verification layer for direct Pakistani bank and wallet transfers.
Bank transfer payment gateway Pakistan
Offline bank transfer Payment gateway for Pakistan.
Your customer pays your own bank account or wallet. Transfer to Pay reads the transaction SMS on your authorized Android phone, matches the payment to the right order and updates your system automatically.
No percentage platform fee.
✓ No Transfer to Pay % fee per payment ✓ Payment links like a gateway ✓ WooCommerce, WHMCS & API ready
Works with
+ Any bank
+ Any bank0%Transfer to Pay fee per payment
~10 minBasic setup
PKR 1,249Plans from, per month
ORDER
#TP-2048
Live
Simple version:
- 1Customer transfers money
- 2your phone receives the bank/wallet transaction SMS
- 3Transfer to Pay finds the matching order
- 4your website or billing system gets the paid status.
Create payment links, accept partial payments, connect WooCommerce or WHMCS, or use your own API. Plans start from PKR 1,249/month with no Transfer to Pay percentage fee on each verified payment.
✓ OTP and verification-code SMS messages are skippedPayment linksCreate a payment request and share it by WhatsApp, email, invoice or website.
SMS auto verificationTransaction SMS is matched against the amount, order and payment reference.
Flat subscriptionPlans start at PKR 1,249/month instead of charging a Transfer to Pay percentage on each verified payment.
Simple setup in ~10 minutesFor a basic setup: connect the Android phone, add your receiving account and create your first payment link.
From PKR 1,249/monthPredictable subscription pricing.
Real-time verificationProcess the payment event as it arrives.
Partial paymentsTrack paid amount and remaining balance.
OTP and verification-code SMS messages are skippedSensitive verification codes are not used for payment matching.
Payments simplified
created for Gen Z businesses
New payment link#TP-2048
Amount
PKR 25,000
Order reference
Create linkOrder #TP-2048
Transfer to Pay Live
TodayPKR 0
Creating payment link…
Auto verified from eWallets or bank accounts
How a payment works
Create a link. Send it. Get paid and verified automatically.
Your client pays by QR code or bank transfer, and Transfer to Pay verifies it from the transaction SMS with no manual checking.
- 1Create a link
Generate a payment link for the order or invoice.
- 2Send it to your client
Share it by WhatsApp, email or invoice.
- 3Client pays
By QR code or bank transfer straight to your own account.
- 4Verified automatically
The transaction SMS is matched and the order is marked paid.
Transfer to Pay in 60 seconds
What it is, where the money goes, and how verification works.
A clear product summary for merchants comparing bank transfer payment gateways in Pakistan.
Customer pays your account
The transfer goes directly to your configured bank or wallet account; Transfer to Pay does not need to hold the payment first.
Transaction SMS matching
Your authorized Android phone receives the transaction SMS; Transfer to Pay matches payment details with the waiting order.
OTP and security codes stay out
OTP, PIN, login-security and verification-code SMS are not needed for payment matching.
Shopify, WooCommerce, WHMCS, WhatsApp & API
Use payment links on their own, automate an existing store or billing flow, or connect a custom application through webhooks.
From PKR 1,249/month
No Transfer to Pay percentage platform fee on each verified payment. Third-party bank or wallet charges may still apply.
Quick answer:
Transfer to Pay helps Pakistani businesses automate direct bank-transfer verification. A customer pays the merchant's own bank or wallet account, the authorized Android phone receives the transaction SMS, and Transfer to Pay matches that payment to the order and sends the result to the merchant's software.
Smart matching
A payment arrived. Which order does it belong to?
That is the job Transfer to Pay handles. Instead of your staff opening the bank app, checking screenshots and searching orders one by one, the system compares the incoming transaction SMS with the payment your order is waiting for.
Use several clues, not one guess.
A clean match can use the amount, transaction/reference information, current order status and duplicate checks together.
01
AmountDoes PKR 12,500 received match what the order expects?
02
ReferenceCan the transaction or payment reference be linked to the order?
03
Order stateIs this order still pending, partially paid or already complete?
04
Duplicate checkHas this same transaction already been processed?
Your customer does not have to pay the full amount in one transfer.
Suppose an order is PKR 20,000. The customer sends PKR 8,000 today. Transfer to Pay can record it as partially paid and keep PKR 12,000 outstanding. When the next verified transfer arrives, the same order can move to fully paid.
ORDER TOTALPKR 20,000
REMAININGPKR 12,000
Payment 1PKR 8,000
Next paymentPKR 12,000
StatusPartially paid
One simple example
What happens after a customer clicks your payment link?
This is the whole Transfer to Pay idea in one order.
A PKR 12,500 order from your WooCommerce store.
1
Order is createdYour store creates order #2048 for PKR 12,500 and shows bank-transfer payment instructions or a payment link.
2
Customer transfers the moneyThe customer pays directly to your configured HBL, Meezan, UBL, MCB, JazzCash, Easypaisa or another supported local account.
3
Your phone receives the transaction SMSTransfer to Pay uses the payment-relevant SMS. OTP, PIN and verification-code messages are skipped.
4
Order is matched and updatedThe payment is linked to #2048 and your WooCommerce/API workflow can receive the verified status.
The money already went to your account. We automate the checking.
Transfer to Pay is not trying to become the bank in the middle. The customer makes a normal local transfer to the account you already use. The product adds the missing software layer: payment request, verification, order matching, status, history and webhooks.
✓
No Transfer to Pay settlement stepThe transfer is sent directly to your configured receiving account.
✓
No Transfer to Pay percentage feeYou pay the selected monthly plan; your bank/wallet may still have its own charges.
✓
Useful even without a websiteCreate a payment link and send it through WhatsApp, email or an invoice.
✓
Privacy-first payment verification
Your banking OTP and personal-message privacy are our priority.
Transfer to Pay's Android app is designed to process only payment-relevant transaction SMS needed for verification. Banking OTPs, verification codes, login-security messages and personal SMS are excluded from the payment-verification flow and are not used as payment evidence.
✓
Banking OTP and verification-code SMS are excludedThe Android app does not use these messages for payment verification or order matching.
✓
Personal SMS stay outside the payment flowPersonal conversations and unrelated messages are not required for transaction verification.
✓
Only payment-relevant transaction SMS are processedThe verification flow focuses on messages that contain transaction details needed to reconcile a bank or wallet payment.
✓
Payment data is matched to the right orderAmount, reference and order context can be used to connect the transaction to the correct payment request.
✓
Unclear payments can stop for reviewIf a payment cannot be matched confidently, it can remain in review instead of being marked paid automatically.
Privacy by design:
Transfer to Pay is designed so the Android app processes payment-related transaction SMS for verification while banking OTPs, verification codes and personal messages remain outside the payment-matching workflow.
Payment solutions for Pakistan
One bank-transfer verification engine. Several ways to use it.
Whether someone searches for a payment link in Pakistan, a Shopify payment gateway, WooCommerce bank transfer, WHMCS payment gateway, WhatsApp payment link or a payment verification API, the underlying problem is the same: connect a direct transfer to the correct order without checking everything by hand.
Collect bank transfers without a website.
Create a payment request and share it through WhatsApp, email, an invoice or social chat.
Automate manual bank-transfer orders.
Use a Shopify manual bank-transfer method, verify the transfer through Transfer to Pay, then update the order through an authorized integration.
Automate Direct Bank Transfer orders.
Keep bank transfer at checkout while reducing manual payment confirmation work.
Match transfers to invoices.
Use verified payment status in hosting, domain, SaaS and invoice-driven billing workflows.
Send payment links automatically on WhatsApp.
If you use On Cloud API, your order automation can send the Transfer to Pay payment link through the official WhatsApp Cloud API workflow.
Send payment status to your own app.
Use order IDs, references, partial-payment status and webhooks in custom software.
Match supported wallet transaction SMS.
Use the same order-matching idea for compatible JazzCash transaction messages.
Keep wallet transfers inside one workflow.
Match compatible Easypaisa transaction SMS against your payment request or order.
Order created → payment link sent → payment verified.
Combine official WhatsApp messaging with Transfer to Pay payment-link and verification events.
Payment gateway Pakistan
Looking for a payment gateway, but your customers already pay by bank transfer?
PayFast, Safepay, JazzCash Online Payment Gateway, Easypaisa Online Payment Gateway, HBLPay Checkout and Alfa Payment Gateway solve online payment acceptance in different ways. Transfer to Pay is for a simpler case: your customer sends a direct local bank or wallet transfer, and you want the order verified automatically.
Question
Traditional online gateway
Transfer to Pay
Where does the customer pay?
Gateway checkout, card, wallet, bank/Raast flow depending on provider.
Directly to your configured bank or wallet account.
How is payment confirmed?
Provider returns payment confirmation through its gateway/API.
Transaction SMS is matched to your order, then a status/webhook is created.
Pricing model
Many providers use merchant-specific MDR / transaction pricing.
Monthly Transfer to Pay plan; no Transfer to Pay percentage fee per verified payment.
Do I need a website?
Not always; several providers offer payment links.
No. Create a payment link and share it through WhatsApp, email or an invoice.
Best fit
Cards, wallet checkout, Raast, acquiring and broader online payment rails.
Direct bank/wallet transfers that you want to verify and automate.
Transfer to Pay is not presented as a card-acquiring bank or a replacement for every feature of PayFast, Safepay, JazzCash, Easypaisa, HBLPay or Alfa. It is a different payment flow for direct transfers.
Supported Pakistan banks & wallets
Auto-verify bank and wallet transfers from transaction SMS.
Transfer to Pay is built around Pakistani bank and wallet transfer SMS. If the receiving phone gets a compatible transaction-confirmation SMS, the payment can be matched to the order automatically. This is SMS-format support, not a claim of direct API partnership with each bank.
HBL bank transfer verificationMatch supported HBL transaction SMS to an order.
Meezan Bank payment verificationUse direct transfers with automatic order matching.
UBL / MCB / Bank Alfalah transfersKeep local bank transfers inside one verification workflow.
JazzCash & Easypaisa paymentsMatch supported wallet transaction SMS to payment requests.
SMS-based verification
No separate gateway integration with every bank.
Support is based on the transaction SMS format received on the connected Android phone—not a direct API partnership with each bank. This lets one Transfer to Pay workflow handle transfers from many Pakistani banks and wallets while keeping OTP and verification-code SMS outside the matching flow.
Pakistanlocal bank & wallet coverage
Public sector commercial banks
First Women BankNational Bank of Pakistan (NBP)Sindh BankThe Bank of Khyber (BOK)The Bank of Punjab (BOP)
Specialized Pakistani banks
Punjab Provincial Cooperative Bank (PPCBL)Zarai Taraqiati Bank (ZTBL)
Private & Islamic banks in Pakistan
Al Baraka Bank PakistanAllied Bank (ABL)Askari BankBank AlfalahBank AL HabibBankIslami PakistanDubai Islamic Bank PakistanFaysal BankHabib Bank (HBL)HABIBMETROJS BankMCB BankMCB Islamic BankMeezan BankSamba BankSoneri BankStandard Chartered Bank PakistanBank MakramahUnited Bank (UBL)Easypaisa Bank
Pakistan microfinance banks
Apna Microfinance BankABHI Microfinance BankHalan Microfinance BankHBL Microfinance BankKhushhali Microfinance BankLOLC Microfinance BankMobilink Microfinance Bank (JazzCash)NRSP Microfinance BankSindh Microfinance BankU Microfinance Bank (U Bank / UPaisa)
Pakistan wallets & payment apps
JazzCashEasypaisaUPaisaZindigi by JS BankHBL KonnectNayaPaySadaPayOPayDigitt+OneZappKeenu
Pakistan digital banks
Easypaisa BankMashreq Bank PakistanRaqami Islamic Digital Bank
Important: a bank or wallet can only auto-verify when a compatible transaction-confirmation SMS is received on the authorized Android device. Bank/wallet names indicate SMS-format support and do not imply sponsorship, endorsement or a direct partnership with those institutions. Support depends on the transaction-SMS format received on the authorized Android device.
Pakistan-wide bank transfer verification
One payment workflow for businesses across Pakistan.
Transfer to Pay is cloud software for Pakistani businesses that already receive direct bank or wallet transfers. Whether the business is in Karachi, Lahore, Islamabad, Peshawar, Quetta, Abbottabad, Gilgit or another city, the core workflow stays the same: payment request → local transfer → transaction SMS → matched order → payment status.
This is service-area coverage, not a claim that Transfer to Pay has a physical office in every city. The goal is to help local merchants, institutions and service businesses find a Pakistan-focused payment-verification product without creating thin city-by-city doorway pages.
PKR payment workflowsRupee-based payment links, invoices, fees, deposits and ecommerce orders.
Pakistan banks & walletsCompatible transaction-SMS workflows for supported local banks, JazzCash and Easypaisa.
Remote setupBusinesses can use the software from supported locations without needing a local physical branch from Transfer to Pay.
Local integrationsShopify, WooCommerce, WHMCS, WhatsApp, payment links and custom APIs.
Cities & regions served
Built for merchants and institutions throughout Pakistan.
Search visibility is strengthened by clear, honest service-area language: one nationwide product, with examples of the cities and regions where Pakistani businesses can use it.
Nationwide Pakistan service area
Islamabad Capital Territory
Islamabad
Punjab
LahoreRawalpindiFaisalabadMultanGujranwalaSialkotSargodhaBahawalpurSheikhupuraGujratSahiwalJhangRahim Yar KhanKasurOkaraDera Ghazi KhanVehariKhanewalBahawalnagarToba Tek SinghMandi BahauddinHafizabadJhelumAttockChakwalNarowalPakpattanMuzaffargarhLayyah
Sindh
KarachiHyderabadSukkurLarkanaShaheed Benazirabad (Nawabshah)Mirpur KhasKhairpurJacobabadShikarpurDaduThattaBadinGhotkiTando AdamTando AllahyarUmerkot
Khyber Pakhtunkhwa
PeshawarAbbottabadMardanMingora / SwatMansehraHaripurNowsheraKohatDera Ismail KhanBannuCharsaddaSwabiChitralTimergaraBatkhela
Balochistan
QuettaGwadarTurbatKhuzdarChamanHubZhobSibiLoralaiDera Murad Jamali
Azad Jammu & Kashmir
MuzaffarabadMirpur AJKRawalakotKotliBagh
Gilgit-Baltistan
GilgitSkarduHunzaChilasGhizer
City names indicate where businesses can use the cloud service; they do not represent separate branches or physical offices. Coverage still depends on internet access, a supported Android SMS device and compatible bank/wallet transaction messages.
Shopify payment gateway Pakistan
Turn Shopify bank transfer from a manual payment method into an automated verification flow.
Shopify supports manual payment methods such as bank transfer and bank deposit. By default, a manual-payment order stays unpaid until the merchant confirms the money. Transfer to Pay is designed to automate the verification step around that local bank-transfer workflow.
Your customer still pays directly to your configured Pakistani bank or wallet account. Transfer to Pay reads the transaction SMS, matches it with the Shopify order, and your authorized Shopify integration can record the offline payment or mark the eligible order paid.
Shopify order #1058 · PKR 8,900 Manual bank transfer → transaction SMS matched → order payment can be recorded
VERIFIED
Shopify payment gateway Pakistan Shopify bank transfer Pakistan Shopify manual payment automation Shopify offline payment gateway Shopify Pakistan bank transfer
Shopify officially documents bank transfer as a manual payment method, and its Admin API provides order payment operations for offline/manual payments. A public Shopify Payments extension is a separate Shopify approval path, so Transfer to Pay is presented here as a bank-transfer verification/integration workflow rather than claiming to be a Shopify-listed card gateway. Shopify manual payments ↗ Shopify Admin API ↗
1
Customer places the Shopify orderYour checkout uses a manual bank-transfer method with payment instructions.
2
Customer transfers to your bank or walletThe money goes to your configured receiving account.
SMS
Your authorized Android phone receives the transaction SMSOTP, PIN and security-code SMS are not needed for payment matching.
AI
Transfer to Pay matches the orderAmount, reference, order context and duplicate signals can be checked.
✓
Shopify payment status can be updated through the integrationAn authorized app/API workflow can record an eligible offline payment and continue fulfillment.
WooCommerce, WHMCS & custom API
Turn a manual bank-transfer option into an automated payment workflow.
WooCommerce's built-in Direct Bank Transfer is an offline/manual method: the order waits for the merchant to confirm the money. WHMCS also supports manual Bank Transfer gateways. Transfer to Pay is designed to automate that verification layer for Pakistani bank and wallet transfers.
Stop checking “On hold” bank-transfer orders one by one.
Create the order, let the customer transfer to your account, verify the transaction SMS and pass the paid status back into your store through the integration.
Example: Order #1042 → PKR 7,500 transfer → SMS matched → order can move into your paid/processing workflow.
Make bank-transfer invoices less manual.
Use Transfer to Pay with a WHMCS payment workflow so an invoice can be matched to the direct bank/wallet transfer and updated through your integration or webhook.
Example: Hosting invoice → customer transfers → transaction SMS verified → your automation can continue service activation.
No website? Send a link.
Create a payment request for an amount/order and share it through WhatsApp, email, social chat or an invoice.
Example: Instagram seller sends a PKR 3,500 payment link on WhatsApp and sees the order update after the transfer is matched.
Build your own payment flow.
Use order IDs, payment references, statuses and webhooks inside your Laravel, SaaS, ERP, CRM, marketplace or custom checkout.
Example: payment.verified → credit balance, activate plan, release booking or trigger fulfillment.
Create order or payment requestAmount + order ID + reference
Customer makes a direct transferTo your configured Pakistan bank or wallet account
Transaction SMS arrivesOTP/PIN/security-code SMS stay out of the matching flow
Transfer to Pay matches the paymentAmount, reference, order state and duplicates
Your software gets the resultPaid, partially paid, review required or duplicate
After verification
Let the payment status do the next job.
You decide what a verified payment should trigger in your business.
✓
EcommerceMove an order into fulfillment.
✓
Hosting / SaaSActivate a service, package or account credit.
✓
BookingsReserve on deposit, confirm when the full balance arrives.
✓
InvoicesTrack multiple transfers against one invoice.
✓
ExceptionsHold mismatches for your team instead of marking them paid.
Why this automation matters: WooCommerce documents Direct Bank Transfer (BACS) as an offline/manual payment method where the merchant must confirm the deposit before moving the order forward. WHMCS documents its Bank Transfer gateway as manual entry, where the merchant adds the payment after receiving it. Transfer to Pay is designed to automate that verification layer for compatible Pakistani transaction SMS. WooCommerce documentation ↗ WHMCS documentation ↗
WhatsApp payment-link integration
Send Transfer to Pay payment links automatically through the official WhatsApp Cloud API.
If your business already has an active On Cloud API subscription, Transfer to Pay can fit into your WhatsApp automation flow: create the payment request, send its link to the customer on WhatsApp, verify the bank/wallet transfer, then use the payment event to trigger the next message or business action.
On Cloud API operates on Meta's official WhatsApp Cloud API and supports ecommerce/API automation. This makes it useful for Pakistani businesses that want a payment link to reach the customer on the channel where the order conversation is already happening.
WhatsApp Business API Pakistan WhatsApp Cloud API Pakistan WhatsApp API Pakistan Official WhatsApp Business API WhatsApp payment link Pakistan On Cloud API
Requires an active On Cloud API / WhatsApp Business Platform setup and the appropriate WhatsApp messaging permissions, templates or service-window rules for the message being sent. On Cloud API — WhatsApp API Pakistan ↗ On Cloud API ecommerce integration ↗
Transfer to Pay Hi Ahmed, your order #2048 for PKR 12,500 is ready for payment. Use the secure payment request below and transfer to the displayed bank account.
Example automated WhatsApp payment-link message
1
Order or invoice is createdShopify, WooCommerce, WHMCS or your own system creates the payment request.
WA
On Cloud API sends the payment linkThe customer receives the Transfer to Pay link through your official WhatsApp Business API number.
SMS
The bank/wallet transaction is verifiedTransfer to Pay matches the compatible transaction SMS to the order.
✓
Your automation continuesSend payment confirmation, start fulfillment, activate service or update the invoice.
Store / BillingShopify, WooCommerce, WHMCS or custom app creates an order.
Transfer to PayCreates the payment request and link.
On Cloud APISends the payment link over official WhatsApp Cloud API.
Bank / WalletCustomer transfers directly to your account.
WebhookVerified payment updates the store, invoice or customer flow.
Start simplyStart setup ↗
A basic setup can be ready in about 10 minutes.
You do not need to change banks. You do not need to move the customer's money through Transfer to Pay. Connect the Android phone that receives your transaction SMS, add the bank/wallet account you collect into, then create a payment link or connect your software.
We built it to remove manual checking.
If your team already receives bank transfers, the goal is simple: keep your existing payment habit and automate the repetitive verification work around it.
1
Create your business accountChoose a plan and add the company/portfolio that will receive payments.
~2 min
2
Connect the Android SMS deviceAuthorize the phone that receives the bank/wallet transaction SMS used for verification.
~2 min
3
Add your receiving accountSet the Pakistani bank or wallet account customers will transfer to.
~2 min
4
Create a payment link or connect your systemStart with a link, Shopify, WooCommerce, WHMCS, WhatsApp automation or your own API/webhook workflow.
~4 min
Setup time is an estimate for a straightforward configuration. Custom WooCommerce, WHMCS or API work can take longer. “No percentage fee” refers to Transfer to Pay's platform fee; banks, wallets or other third parties may apply their own charges.
Choose how you want to use it
Start with a link. Connect Shopify, WooCommerce or WHMCS. Or plug it into your own API.
You can start simple and add automation when your business needs it.
Payment links
For WhatsApp sellers, Instagram stores, freelancers, invoices and businesses without a full ecommerce website.
Shopify
Use a manual bank-transfer checkout and automate transaction-SMS verification through an authorized Shopify integration.
WooCommerce
Keep Direct Bank Transfer at checkout while automating the confirmation and order-status workflow.
WHMCS
Match local bank/wallet transfers to hosting, domain, SaaS and invoice payments.
WhatsApp + On Cloud API
Automatically send Transfer to Pay payment links through your official WhatsApp Business API workflow.
Custom API
Use payment requests, order IDs, statuses and webhooks inside your own software.
Who can use Transfer to Pay?
Any business that receives bank transfers and still checks them by hand.
The product is not only for ecommerce. If your customer, parent, student, client, tenant or buyer sends money to your bank or wallet account, Transfer to Pay can be the verification layer between that transfer and your software.
Schools, colleges & universities
Collect admission fees, tuition, exam fees, transport, hostel or other institutional charges through payment requests linked to a student or invoice.
Example: Student ID ST-2026-118 → PKR 28,000 semester fee → parent transfers → SMS matched → fee status updated.
Academies & coaching centres
Create monthly fee requests, installment plans or course-payment links and keep paid/pending status easier to follow.
Example: 3-month course → PKR 6,000 monthly → each transfer adds to the learner's payment history.
Online stores & social commerce
Use direct bank or wallet transfer for Shopify, WooCommerce, Instagram, Facebook or WhatsApp orders without relying on screenshot checking.
Example: Order #2048 → payment link → transfer → verified → store workflow continues.
Hotels, travel & rent-a-car
Collect reservation deposits or advance payments and keep the remaining balance linked to the same booking.
Example: PKR 60,000 booking → PKR 20,000 advance → partially paid → PKR 40,000 remaining.
Hospitals, clinics, labs & dental practices
Use payment requests for appointment deposits, hospital invoices, diagnostic tests, dental procedures, lab packages or other services when the institution already accepts direct transfers.
Example: Hospital invoice / patient reference → bank transfer → payment verified → your own billing workflow can update the invoice status.
Real estate & property services
Track booking advances, service charges or staged payments against a specific client, property or invoice reference.
Example: Booking reference PR-551 → advance received → balance remains visible for later payments.
Wholesale, distributors & suppliers
Match direct bank transfers to quotations, invoices or purchase orders instead of asking accounts teams to reconcile every payment manually.
Example: 30% advance on purchase order → remaining 70% before dispatch.
Agencies & professional services
Collect project advances, retainers, milestone payments and final invoices through shareable payment requests.
Example: 50% project advance → milestone payment → final balance.
Hosting, software & subscriptions
Connect bank-transfer verification to WHMCS or your own SaaS backend for invoices, renewals, account credit and service activation.
Example: Invoice paid → webhook → activate package or add customer credit.
Gyms, clubs & associations
Use payment links for joining fees, monthly memberships, annual renewals or member invoices.
Example: Member ID 882 → annual fee → verified payment → membership workflow continues.
Events, venues & wedding services
Track booking deposits and staged payments for venues, decorators, photographers, caterers or event packages.
Example: Venue booking → 25% deposit → second installment → final payment.
Training, certification & institutes
Attach payments to registration IDs, applications or invoices so the finance team can see what has been paid and what is still due.
Example: Admission form → fee request → bank transfer → verified registration payment.
Pharmacies & medical supply businesses
Use direct bank-transfer payment requests for business invoices, delivery orders or B2B medical-supply purchases.
Example: Invoice reference → transfer → SMS matched → order or receivable marked paid in your own workflow.
Restaurants, catering & food businesses
Collect advance payments for catering, group bookings, events or large pre-orders without relying only on screenshots.
Example: Catering order → 40% advance → remaining balance before event date.
Contractors, construction & interior businesses
Track mobilization advances, project milestones, material payments or final balances against a quotation or project reference.
Example: 20% mobilization advance → milestone payments → final settlement.
Auto dealers, workshops & spare-parts sellers
Collect booking advances, service invoices or parts payments through direct bank or wallet transfers linked to an order reference.
Example: Vehicle booking / repair invoice → transfer → verified payment status.
Associations, NGOs & community organizations
Use reference-based payment requests for memberships, registrations, event fees or approved organizational collections.
Example: Member/reference ID → bank transfer → finance system receives paid status.
Salons, studios & appointment businesses
Collect reservation deposits for higher-value appointments or packages and keep the remaining balance tied to the booking.
Example: PKR 10,000 package → PKR 3,000 deposit → PKR 7,000 due.
Education payments Pakistan
For a school, the real problem is not “can a parent transfer money?” It is “which student did this payment belong to?”
Transfer to Pay can give every fee request its own order/reference context. A school or college can attach a student ID, admission number or invoice reference in its own system, then use the verified payment event to update paid, pending or partially-paid status.
That makes the page useful for searches such as school fee payment gateway Pakistan, online fee collection for schools, college fee payment Pakistan and university fee collection software.
Simple answer for schools:
Create fee request → parent transfers → transaction SMS is matched → student/invoice payment status is updated through your workflow.
Pakistan already has strong digital fee-payment demand: 1LINK lists education institutions among 1BILL collection use cases, and education-focused payment providers publish school, college, university and coaching-centre collection solutions. BISE Abbottabad also documents fee payment through JazzCash, Easypaisa, Allied Bank and other mobile banking apps. 1LINK 1BILL ↗ PayPro Education ↗ BISE Abbottabad payment instructions ↗
1
Create the fee requestStudent ID, invoice/fee head, amount and due context.
2
Parent or student transfersMoney goes to the institution's configured bank or supported wallet account.
SMS
Transaction SMS arrivesTransfer to Pay uses payment-relevant SMS; OTP/security-code messages stay outside matching.
AI
Payment is matchedAmount/reference/order context links the transfer to the fee request.
✓
Finance workflow updatesPaid, partially paid or review-required status can go to your own school/college system.
Hospital & healthcare payment workflows
A hospital payment can be tied to an invoice or reference instead of living only in a bank statement.
Transfer to Pay does not need clinical or medical-record data to verify a bank transfer. A healthcare organization can use its own invoice, patient billing reference, appointment ID or service-order reference to connect the payment event to the correct billing workflow.
Simple healthcare flow:
Hospital/clinic creates invoice → payer transfers to the institution's account → compatible transaction SMS is matched → billing system receives payment status through the institution's own integration.
HospitalsInvoice deposits, admissions billing or other approved payment requests.
ClinicsAppointment deposits and service invoices.
Diagnostic labsTest/package payments tied to an order or invoice reference.
Dental practicesProcedure deposits, treatment invoices or staged payments.
Medical suppliersB2B invoices and purchase-order payments.
PharmaciesBusiness invoices or delivery-order payment requests.
Advance payments, deposits & installments
Not every payment is “full amount now.”
Many Pakistani businesses collect a booking amount first, a second installment later, and the remaining balance before delivery or service. Transfer to Pay's partial-payment model can keep those verified transfers attached to the same order or invoice.
This is useful for businesses searching for advance payment collection, booking deposit payment links, installment payment tracking or partial bank-transfer verification in Pakistan.
Example:
Invoice PKR 100,000 → customer pays PKR 30,000 advance → order stays partially paid with PKR 70,000 remaining → later transfers complete the balance.
Ecommerce pre-ordersTake an advance for made-to-order or high-value products.Advance → manufacture/source → final balance
Rent-a-car & travelCollect a booking deposit before the reservation date.Deposit → reservation → remaining payment
Real estate / property serviceTrack a booking or service advance against a reference.Advance → staged payments → balance
Schools & coursesAdmission fee or installment-based tuition can stay tied to one student/invoice.Admission → installment 1 → installment 2
Agencies & software housesCollect project retainers and milestone payments.50% advance → milestone → handover
Wholesale & B2BCollect deposit before production or dispatch, then track the outstanding balance.PO → advance → dispatch balance
Scale with your payment volume
Start with a few bank-transfer orders. Keep the same workflow as the business grows.
A small Instagram store and a larger ecommerce operation do not need the same limits. Transfer to Pay plans scale verified payment volume, receiving accounts and company portfolios while the core verification flow stays familiar.
This is especially useful for ecommerce businesses that move from manual WhatsApp/screenshot confirmation to hundreds or thousands of payment events across Shopify, WooCommerce, WhatsApp and internal systems.
Starter
Launch the workflow
For a small store or service business moving away from manual payment checking.
Up to PKR 200,000 verified volume / monthGrowth
Steady order volume
For a growing store that needs more monthly verified volume and another receiving account.
Up to PKR 500,000 / monthPro
Daily ecommerce payments
For established businesses processing more prepaid orders and payment links.
Up to PKR 1,000,000 / monthEnterprise
Remove the volume ceiling
For larger operations that need unlimited verified volume and bank-account flexibility.
Unlimited verified volumeMaster Enterprises
Multi-business operations
For teams managing several company portfolios from one Transfer to Pay setup.
10 company portfoliosSubscription vs percentage payment fees
Keep the Transfer to Pay platform fee predictable as payment volume grows.
Many online payment gateways in Pakistan use percentage-based merchant pricing. Transfer to Pay uses monthly plans instead, so it does not add a Transfer to Pay percentage platform fee to every verified bank-transfer payment.
Important: there is no single “1% wallet fee” or “3% gateway fee” across the whole market. Rates depend on the provider and payment method. The current public examples below show why merchants should compare the exact rail they use.
Safepay public pricing
1.5%
Wallets / Raast
Safepay currently lists 1.5% per successful charge for wallets and 1.5% for Raast.
Domestic cards are separately listed at 2.9% + Rs 30.
PayFast public pricing
2.20%–2.95%
Bank, wallet & local card rails
PayFast currently lists 2.20% for bank accounts and wallets, and 2.95% for local debit/credit cards.
Its FAQ also describes a standard 3% MDR, exclusive of tax; enterprise rates can differ.
Transfer to Pay
Monthly
No Transfer to Pay % fee per verified payment
Choose a plan based on verified volume, bank-account limits and company portfolios instead of adding a Transfer to Pay percentage fee to each matched payment.
Banks, wallets, telecoms or other third parties may still charge their own fees.
Why a subscription model can matter at higher volume
PKR 1,000,000 volumeExample monthly processed/verified amount.
2.20% = PKR 22,000Illustrative percentage cost at PayFast's currently published bank/wallet rate, before tax.
2.95% = PKR 29,500Illustrative percentage cost at PayFast's published local-card rate, before tax.
Pro = PKR 2,499/monthTransfer to Pay Pro plan supports up to PKR 1,000,000 verified volume according to the current plan.
This is not a like-for-like claim that Transfer to Pay replaces every card/wallet gateway feature; these products use different payment rails. It illustrates the difference between percentage-based gateway pricing and Transfer to Pay's subscription platform model. Sources: Safepay pricing ↗ PayFast pricing ↗ PayFast FAQ ↗
Find your fit
Monthly plans
The same order and safety tools are available on every plan. Limits scale with your business, and every “Buy now” action takes the customer to the Transfer to Pay application.
5 plans available
Starter
For a new store just getting off the ground.
Rs. 1,249 / month
Billed monthly · amount shown in PKR
- ◉Rs. 200,000 verified volume / month
- ◉1 bank account
- ✓Order tracking
- ✓1 company portfolio
- ✓Customer reliability and fraud-risk review
- ✓Payment claims reviewed before confirmation
Growth
For a store with steady, growing order volume.
Rs. 1,949 / month
Billed monthly · amount shown in PKR
- ◉Rs. 500,000 verified volume / month
- ◉2 bank accounts
- ✓Order tracking
- ✓1 company portfolio
- ✓Customer reliability and fraud-risk review
- ✓Payment claims reviewed before confirmation
Pro
For high-volume merchants processing daily.
Rs. 2,499 / month
Billed monthly · amount shown in PKR
- ◉Rs. 1,000,000 verified volume / month
- ◉3 bank accounts
- ✓Order tracking
- ✓1 company portfolio
- ✓Customer reliability and fraud-risk review
- ✓Payment claims reviewed before confirmation
Enterprise
No volume cap, unlimited bank accounts, and room for a second business.
Rs. 3,249 / month
Billed monthly · amount shown in PKR
- ◉Unlimited verified volume
- ◉Unlimited bank accounts
- ✓Order tracking
- ✓2 company portfolios
- ✓Customer reliability and fraud-risk review
- ✓Payment claims reviewed before confirmation
Master Enterprises
A reliable payment workflow for your business.
Rs. 4,999 / month
Billed monthly · amount shown in PKR
- ◉Unlimited verified volume
- ◉Unlimited bank accounts
- ✓Order tracking
- ✓10 company portfolios
- ✓Customer reliability and fraud-risk review
- ✓Payment claims reviewed before confirmation
All plan buttons above link to application.transfertopay.com. These plans can be used with payment-link flows, WooCommerce, WHMCS and custom API-based implementations depending on your business setup.
Examples you can picture
What Transfer to Pay could look like in a real business.
These are example workflows to make the product easier to understand — not customer testimonials.
Ahsan Malik
Apex Cart Pvt Ltd · WooCommerce
Online store
Ahsan keeps bank transfer at checkout. Instead of opening the banking app for every order, the transaction SMS is matched and the order workflow updates.
Order → transfer → SMS → paid
Hira Qureshi
Noor Fabrics · Sole Proprietor
WhatsApp / Instagram seller
Hira creates a payment link for PKR 4,500, sends it on WhatsApp and receives the money directly into her configured account.
Link → bank transfer → verified
Adeel Shah
PixelHost Solutions · WHMCS
Hosting company
Adeel links a customer transfer to the correct invoice and lets his own automation continue service activation after verification.
Invoice → transfer → webhook → activate
Muneeb Khan
CityRide Rentals · Sole Proprietor
Booking deposit
A PKR 50,000 booking can receive PKR 15,000 first, stay partially paid, then move to paid when the remaining balance arrives.
Deposit → partial → balance → paid
Sara Nadeem
BrightPath Academy
Fees and installments
One invoice can collect more than one transfer while the system keeps the paid amount and remaining balance easy to see.
Invoice → installments → complete
Iqra Mahmood
ScaleUp Systems Pvt Ltd · Custom API
SaaS / custom software
Iqra uses payment.verified in her backend to add account credit or unlock a service after the transfer is matched.
API order → SMS match → webhook
About Us
We built Transfer to Pay to make local bank transfers easier to run as a business.
Pakistani businesses already collect money through bank accounts and wallets every day. The difficult part is what happens after the customer says, “I paid.” Someone still has to find the transfer, match it to the order, check the amount and update the system.
Transfer to Pay turns that manual step into software: payment links, transaction-SMS verification, smart order matching, partial payments, review states and webhooks. The goal is simple — keep the payment method your customers already use, but remove repetitive verification work around it.
Pakistan-focusedBuilt around local bank and wallet transfer workflows.
Merchant-first money flowCustomers transfer to the account configured by the merchant.
FlexiblePayment links, ecommerce, billing software and custom APIs.
Simple pricingMonthly plans instead of a Transfer to Pay percentage platform fee on every verified payment.
Pakistan payment collection FAQ
Bank transfers for ecommerce, hospitals, schools, fees, advances, bookings and invoices.
Plain-English answers for Pakistani merchants, institutions, service businesses and developers.
What is Transfer to Pay?
Transfer to Pay is an offline bank-transfer payment gateway and verification platform for Pakistan. A customer transfers money to the business's own bank or wallet account, and Transfer to Pay uses the transaction SMS on an authorized Android phone to match the payment to the correct order, invoice, fee or booking.
Can businesses use Transfer to Pay across Pakistan?
Yes. Transfer to Pay is cloud software designed for Pakistani businesses nationwide, including businesses in Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, Multan, Peshawar, Quetta, Abbottabad, Hyderabad, Sukkur, Sialkot, Gujranwala, Gilgit, Skardu and other cities. City coverage does not imply a physical office in each location.
Can hospitals and clinics use Transfer to Pay?
Yes, when the hospital, clinic, lab or healthcare business already accepts direct bank or supported wallet transfers. Its own invoice, appointment or billing reference can be used to connect a verified payment event to the correct billing workflow without requiring medical-record data for the transfer match.
Can schools use Transfer to Pay to collect fees in Pakistan?
Yes, when the school already accepts direct bank or supported wallet transfers. A fee request can be linked to a student ID, invoice or admission reference, and the verified payment event can update the school's own paid, pending or partially-paid workflow.
Can colleges and universities use it for admission or semester fees?
Yes. A college or university can create payment requests for admission, tuition, examination, hostel, transport or other fees and use its own integration to connect the verified payment status to the relevant student or invoice.
Can academies and coaching centres collect monthly fees?
Yes. Payment links can be created for course fees or monthly installments, and multiple verified transfers can stay attached to the same learner or invoice workflow.
Can I collect advance payments or booking deposits?
Yes. Transfer to Pay supports partial-payment tracking, so an order or booking can receive an advance first and keep the remaining balance visible until later verified transfers complete it.
Can ecommerce businesses use it for high-value or prepaid orders?
Yes. Shopify, WooCommerce, payment-link and custom API workflows can use direct bank or wallet transfers for prepaid orders. Partial payments can also support deposits for made-to-order or higher-value purchases.
Can Transfer to Pay scale with a growing ecommerce business?
Yes. The plans scale from PKR 200,000 monthly verified volume on Starter to PKR 1,000,000 on Pro, while Enterprise and Master Enterprises include unlimited verified volume according to the published plans.
Does Transfer to Pay charge 1% or 3% on every payment?
No. Transfer to Pay uses a monthly subscription model and does not add a Transfer to Pay percentage platform fee to each verified payment. Other gateways use different percentage rates depending on the rail; for example, current public Safepay pricing lists 1.5% for wallets and Raast, while PayFast lists 2.20% for bank accounts/wallets and 2.95% for local cards. Third-party charges can change.
Why compare a subscription with gateway MDR?
The comparison explains pricing structure, not identical functionality. Traditional online gateways may charge a Merchant Discount Rate on each processed transaction, while Transfer to Pay charges a monthly subscription for its direct bank-transfer verification software. The underlying payment rails and features are different.
Can I use Transfer to Pay with Shopify in Pakistan?
Yes. Shopify supports manual payment methods such as bank transfer. Transfer to Pay can automate the transaction-SMS verification layer around that workflow, and an authorized Shopify integration can record an eligible offline payment or mark the order paid.
Can I use Transfer to Pay with WooCommerce in Pakistan?
Yes. WooCommerce's built-in Direct Bank Transfer method is an offline payment method that normally requires manual confirmation. Transfer to Pay can be connected to automate the verification layer and pass the payment result back into the store workflow.
Can I automate WHMCS bank transfer payments?
Yes. Transfer to Pay can be used in a WHMCS bank-transfer workflow so a matched transaction can update invoice automation through an integration or webhook.
Can Transfer to Pay send payment links on WhatsApp?
Yes, when connected to a supported WhatsApp Business API workflow. With an active On Cloud API subscription, your automation can create a Transfer to Pay payment link and send it through your official WhatsApp Cloud API number.
Can restaurants, salons, contractors or automotive businesses use it?
Yes. Any business that accepts direct bank or supported wallet transfers can use payment requests for deposits, invoices, staged payments or balances, provided the business workflow can associate the verified transaction with the relevant order or reference.
Can rent-a-car, hotels or travel businesses collect deposits?
Yes. A booking can receive an advance or deposit, remain partially paid, and later receive the remaining balance against the same order or booking reference.
Can agencies, freelancers and software houses collect project advances?
Yes. Payment requests can represent retainers, project advances, milestones or final invoices, while partial payments keep the remaining amount visible.
Can wholesalers and B2B suppliers match bank transfers to invoices?
Yes. A custom API or invoice workflow can use order, invoice or purchase-order references to connect verified direct bank transfers to the right business transaction.
Can I create a bank transfer payment link without a website?
Yes. Create a payment request and share the link through WhatsApp, email, an invoice or social chat. The direct bank or wallet transfer can then be matched to that payment request.
Which Pakistan banks and wallets can I use?
Transfer to Pay is designed for compatible transaction SMS from supported Pakistani banks and wallets, including common HBL, Meezan Bank, UBL, MCB, Bank Alfalah, Allied Bank, Askari Bank, Faysal Bank, JazzCash and Easypaisa workflows. Verification depends on a compatible transaction SMS being received on the authorized Android device.
Does Transfer to Pay need my bank OTP or PIN?
No. OTP, PIN, login-security and verification-code SMS are not needed for payment matching and are designed to remain outside the verification flow.
Can customers make partial payments?
Yes. Multiple verified transfers can be linked to one order, invoice, booking or fee request so you can track the amount paid, remaining balance and partially-paid status.
Can I connect Transfer to Pay to a custom app or API?
Yes. Custom software can use order IDs, invoice references, payment-status events and webhooks to react to verified, partially paid or review-required payments.
How fast can I set up Transfer to Pay?
A straightforward setup can take around 10 minutes when your business details, receiving account and authorized Android SMS device are ready. Shopify, WooCommerce, WHMCS, WhatsApp and custom integrations can take longer.
Contact Us
Want to use bank transfers like an automated payment flow?
Start with a payment link, connect WooCommerce or WHMCS, or build your own webhook/API workflow. Open the application to create your account and choose the setup that fits your business.
