Cards, JazzCash, Easypaisa, and bank transfers through one API and one dashboard, with Sentinel fraud scoring on every attempt and settlement records your finance team can reconcile in minutes.
Cards run through one gateway, wallets through another, and bank transfers arrive by screenshot. Each gap costs a sale, a chargeback, or an evening of reconciliation. PPay closes all three.
Checkout, links, invoices, subscriptions, fraud scoring, payouts, and reporting, unified in one API and one dashboard.
The payment methods Pakistani customers reach for, on one checkout.
Different businesses, one platform underneath.
The specific problem each product solves, for the business that has it.
A customer who wants to pay by wallet and only sees a card form does not come back later, they just buy from whoever accepted the payment method they had open. That is the gap this closes.
Most subscription churn is not a customer deciding to leave, it is a renewal that failed silently and nobody followed up. A retry schedule catches almost all of it before it becomes a support ticket.
Most selling in Pakistan starts in a chat, not a checkout funnel, a WhatsApp thread, a DM, an Instagram comment. A payment link turns that conversation into a paid order without asking the buyer to leave it.
The moment more than one person's money moves through the same account, "what happened to this payment" stops being a question you can answer from memory, it needs to be a record you can point to.
International gateways are not built around how Pakistani businesses collect money: a link shared on WhatsApp, a wallet payment, a bank transfer settled locally. PPay is built for exactly that.
POST /v1/checkout/sessions Idempotency-Key: order-1029 { "amount_minor": 499900, "currency": "PKR", "customer_email": "buyer@example.com", "return_url": "https://shop.example/thanks" } // → { checkout_url: "https://pay.ppay.silicatelabs.site/c/cs_..." }
The parts of the platform you never see, and should not have to think about.
Six deterministic signals combine into a 0–100 score, checked before any payment rail is called. A blocked attempt never reaches authorization, every flag that fired is visible on the transaction, with no black box.
Explore Sentinel →PPay is payment infrastructure built for Pakistan. One API and one dashboard let a business accept cards, JazzCash, Easypaisa, and bank transfers, with Sentinel fraud scoring on every attempt, settlement records itemized per batch, and invoicing and subscriptions built in.
Visa and Mastercard cards, the JazzCash and Easypaisa mobile wallets, and bank transfers over Raast and 1LINK. Your customer chooses on one hosted checkout page, and your team builds a single integration.
Sentinel scores every checkout attempt on six signals, including payment velocity, amount deviation, and recent declines, before any payment rail is called. Attempts scoring 75 or higher are blocked, and every signal that fired is recorded on the transaction.
Live processing is enabled once State Bank of Pakistan licensing and the licensed banking partnership are in place. Until then, your team builds and tests the complete integration in the PPay sandbox, which is free, and our team confirms go-live timing with your organization directly.
There are no setup or monthly fees. Card payments are priced at 2.2% plus PKR 15, wallets at 1.5%, and bank transfers at a flat PKR 50 per transaction, with custom rates for higher volumes. Sandbox use is free.
Sandbox keys, test cards and wallets, and Sentinel in action, with no card required and no approval wait.