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🇵🇰 Built for Pakistan

Payments built for Pakistan

PPay is a payment infrastructure platform in active development. It provides a single API and dashboard for Pakistani businesses to accept cards, JazzCash, Easypaisa, and bank transfers, with integrated fraud detection from day one.

Sandbox stage. Not yet processing real money.

Read the docs → See what's built
The platform

One API for every payment method Pakistanis actually use

Pakistan's payment landscape is fragmented: cards through one gateway, wallets through another, bank transfers through a third. PPay unifies all of it.

Live in sandbox

Hosted checkout

A drop-in checkout page that handles card, JazzCash, Easypaisa, and Raast, without you touching PCI scope.

Live in sandbox

Payment links

Generate a shareable payment URL in one API call or from the dashboard. Send it over WhatsApp or SMS. No website needed.

Live in sandbox

Invoicing

PKR-denominated invoices with an online pay link. Merchants can create and send invoices from the dashboard today.

Live in sandbox

Subscriptions

Recurring billing with configurable intervals, dunning retry logic, and subscriber management.

Rules layer live

Sentinel, fraud detection

A deterministic rules layer runs on every checkout today. An anomaly model and an LLM narrative layer are on the roadmap.

Architected

Settlement via Raast

Designed for T+1 settlement to Pakistani bank accounts through Raast. The settlement flow is architected, pending live rail integration.

Payment methods supported

Cards, mobile wallets, and bank rails. The ones Pakistanis actually use.

Visa & Mastercard JazzCash Easypaisa 1LINK IBT Raast Bank Transfer
Why PPay

Pakistan needed something built for Pakistan

International payment gateways don't account for JazzCash prefix velocity, Ramadan transaction patterns, or CNIC-based KYC requirements. PPay was built specifically for the Pakistani market.

  • ✓
    PKR as a first-class currencyAmounts in paisas, settlement in PKR, no foreign-exchange conversion.
  • ✓
    Pakistan-specific fraud signalsSentinel is built to recognize patterns generic tools were never trained to detect.
  • ✓
    Honest about the roadmapEvery feature on this site is labeled: what is live, what is architected, what is planned.
  • ✓
    One unified APICheckout, invoicing, subscriptions, and fraud detection in one integration, one dashboard, one settlement.
Node.js
const ppay = require('ppay-node')('sk_test_...');
 
const intent = await ppay.paymentIntents.create({'{'}
  amount: 499900, // paisas, Rs 4,999
  currency: 'PKR',
  payment_methods: ['card', 'jazzcash', 'easypaisa'],
  sentinel: {'{'} enabled: true {'}'},
{'}'});
Where we are

Honest build status

● Live in sandbox

Core payment API

PaymentIntents, checkout, payment links, invoicing, webhooks, and the merchant dashboard.

● Live in sandbox

Sentinel rules engine

Deterministic fraud rules: velocity, denylist, card-testing, geo mismatch, PKR structuring.

● Architected

Sentinel anomaly model

Isolation Forest per-merchant baseline. Activates once sufficient data is present.

● Designed

LLM narrative layer

Asynchronous plain-language explanation for flagged transactions. Design complete, not yet built.

Try it in sandbox today

Full sandbox access: test cards, test wallets, and Sentinel in action. No credit card and no approval needed.

Read the docs →