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NayaPay
What NayaPay is
NayaPay is a digital wallet for Pakistani citizens over 18, covering payments, transfers, remittances and bills. It runs on Android, iOS and the web, with instant transfers and transfer tracking. Each account includes a free Visa virtual card for local and international online payments, and users can order a physical Visa debit card for ATM withdrawals and in-store purchases. Transfers to Pakistani bank accounts use 1Link or Raast. The app supports bill payments, mobile top-ups, M-Tag recharges, Fly Jinnah ticket purchases and traffic challans. NayaPay says international transfers can arrive through more than 70 remittance partners. Personal wallets are free to join and keep, with five free monthly ATM withdrawals at partner banks. Business users can share payment links by email, social media and other channels, using NayaPay or 1Bill as payment options. Standard merchant limits are Rs. 2 million monthly incoming and outgoing, with higher limits possible after review. Support is available through in-app chat, phone and email, including 24/7 account and card support.
Who it suits
It suits Pakistani adults needing a wallet for domestic payments, bank transfers, remittances and bills. Businesses can use payment links and merchant accounts with stated transaction limits.
What it does well
- Free Visa virtual card included
- Instant transfers with tracking
- Supports Android, iOS and web
- International transfers through 70+ partners
- 24/7 account and card support
What to know first
- Eligibility is limited to Pakistani citizens over 18
- Merchant accounts have standard Rs. 2 million monthly limits
- Physical debit card must be ordered separately
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Personal NayaPay wallet | Free to join and stay · 5 free monthly ATM withdrawals at partner banks | Free |
As nayapay.com lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
NayaPay combines a free personal wallet with cards, transfers, bill services and remittance access. Its business payment links and regulated payment infrastructure extend the service to merchants.
Facts from NayaPay's own pages
- Bills and payments
- The app supports bill payments, mobile top-ups, M-Tag recharges, Fly Jinnah ticket purchases, and traffic challan payments. · nayapay.com, 11 Oct 2026
- Business account limits
- A merchant account has standard monthly incoming and outgoing limits of Rs. 2 million each; higher limits may be assigned after review. · help.nayapay.com, 11 Oct 2026
- Eligibility
- Any Pakistani citizen over 18 can open a NayaPay wallet. · help.nayapay.com, 11 Oct 2026
- Free plan
- Yes · nayapay.com, 22 Sept 2026
- International reach
- NayaPay says users can receive international transfers through more than 70 global remittance partners. · nayapay.com, 11 Oct 2026
- Merchant payment links
- NayaPay Business payment links can be shared through email, social media, and other channels, with NayaPay and 1Bill offered as payment options. · help.nayapay.com, 11 Oct 2026
- Mobile platforms
- both · nayapay.com, 22 Sept 2026
- Money transfers
- Users can send money to Pakistani bank accounts through 1Link or Raast. · help.nayapay.com, 11 Oct 2026
- Physical card
- Users can order a physical Visa debit card for ATM withdrawals and in-store payments. · help.nayapay.com, 11 Oct 2026
- Product
- NayaPay is a digital wallet for payments, sending and receiving money, remittances, and bill payments. · help.nayapay.com, 11 Oct 2026
- Regulation
- NayaPay (Private) Limited is authorised and regulated by the State Bank of Pakistan as an Electronic Money Institution. · nayapay.com, 11 Oct 2026
- Security
- NayaPay states that it is PCI-DSS and ISO 27001 certified and that data transmitted between its payment systems, mobile apps, and software platforms is 2048-bit SSL encrypted. · help.nayapay.com, 11 Oct 2026
- Support
- The company offers support through in-app chat, phone, and email, and its contact page says account and card support is available 24/7. · nayapay.com, 11 Oct 2026
- Transfer speed
- instant · nayapay.com, 22 Sept 2026
- Transfer tracking
- Yes · nayapay.com, 22 Sept 2026
- Virtual card
- An account includes a free Visa virtual card for local and international online payments. · help.nayapay.com, 11 Oct 2026
Where NayaPay stands on Freedom251
- Money Transfer Apps#46 of 81