🇵🇰 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
🔗 1LINK & Raast rails 📱 JazzCash & Easypaisa 🛡️ Sentinel fraud engine
ppay.pk/dashboard
Volume
₨0
Sandbox
Success rate
—
No live data yet
Fraud flags
0
Rules active
Recent Transactions (Sandbox)
Test payment · Visa 4242
JazzCash wallet · test mode
Paid
Test payment · Card declined
Test card 4000…0002
Failed
Sentinel test · High risk
Rules triggered: velocity
Review
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.

🛒
Hosted Checkout
A drop-in checkout page that handles card, JazzCash, Easypaisa, and Raast, without you touching PCI scope. Built and working 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. Working in sandbox.
📄
Invoicing
PKR-denominated invoices with GST/WHT line items, auto-reminders, and an online pay link. Merchants can create and send invoices from the dashboard today.
🔄
Subscriptions
Recurring billing with configurable intervals, dunning retry logic, and subscriber management. Architecture is complete, rolling out soon.
Coming soon
🛡️
Sentinel, Fraud Detection
Pakistan's first AI fraud engine. Deterministic rules layer is live and running on every checkout. Anomaly model and LLM layer are on the roadmap.
Learn more →
⚡
Settlements via Raast
Designed for T+1 settlement to Pakistani bank accounts via Raast. Settlement flow is architected, pending live rail integration.
Architected

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 understand JazzCash prefix velocity, Ramadan transaction patterns, or CNIC-based KYC requirements. We do, because we built this specifically for the Pakistani market.

✓
PKR as a first-class currency, amounts in paisas, settlement in PKR, no FX conversion headaches.
✓
Pakistan-specific fraud signals, Sentinel understands patterns that generic tools were never trained to detect.
✓
Honest about the roadmap, every feature on this site is labelled: what's live, what's architected, what's planned.
✓
One unified API, checkout, invoicing, subscriptions, and fraud detection all in one integration, one dashboard, one settlement.
Create a payment intent (Node.js)
const ppay = require('ppay-node')('sk_test_...');

const intent = await ppay.paymentIntents.create({
  amount: 499900,     // paisas, ₨4,999
  currency: 'PKR',
  payment_methods: [
    'card',
    'jazzcash',
    'easypaisa',
  ],
  sentinel: { enabled: true },
});

return intent.client_secret;

→ Read the full API docs

PPay Sentinel

Rules layer live · ML on roadmap

Pakistan's first AI fraud engine, three layers: deterministic rules (live today), anomaly detection (architected), and LLM-powered narrative (designed). Every decision is explainable; no black box.

Explore Sentinel →
card_velocity_exceeded
3 attempts · same IP · 90s window
Triggered
disposable_email_domain
guerrillamail.com detected
Triggered
pkr_round_number_structuring
₨50,000 exactly · 4th time today
Review
Decision
BLOCK
Risk score: 84 · 0.3ms
Where we are

Honest build status

Live in sandbox
Core Payment API
PaymentIntents, checkout, payment links, invoicing, webhooks, 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
Async 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, no approval needed.

Read the docs → See pricing