JazzCash · Easypaisa · Raast QR · Banks · Cards

Payment gateway in Pakistan for JazzCash, Easypaisa, Raast QR, banks & cards

ZurvaPay is a hosted online payment gateway. Open a merchant account yourself, connect your website with one API, and get notified the moment a customer pays. Add sub-merchants for more websites, or join as an agent and earn commission. Pakistani bank accounts and card payments in same checkout.

  • Self-onboarding
  • Sub-merchant accounts
  • Agent commission program
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Payment gateway for Pakistan
JazzCash · Easypaisa · Raast QR · Banks · Cards
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Payment methods

Accept JazzCash, Easypaisa and Raast QR on one checkout, with Pakistani banks and cards being added

Offer the wallets, bank-app QR payments, Pakistani bank accounts and cards your customers already use, without integrating each provider separately.

JazzCash payment gateway

Mobile wallet

Customers enter their JazzCash wallet number and approve the payment on their phone. Add JazzCash to your website or app through the same API.

  • Approval request sent to the customer's phone
  • Result reported straight back to your server
JazzCash integration

Easypaisa payment gateway

Mobile wallet

The same simple flow for Easypaisa account holders, on the same checkout page, so you can take Easypaisa payments online without extra work.

  • Pay with a wallet number, approve on the phone
  • Unconfirmed payments are re-checked automatically
Easypaisa integration

Raast QR payments

Scan from any bank app

A dynamic QR code the customer scans with their bank or wallet app and pays the exact amount. Ideal for customers without a mobile wallet.

  • Page updates by itself once payment lands
  • QR codes expire, so stale codes can't be paid
Raast QR payments

Pakistani banks

Bank accounts & internet banking

Let customers pay straight from their bank account, with support for banks across Pakistan.

  • Pay directly from a Pakistani bank account
  • Same checkout, same API
Ask about availability

Debit & credit cards

Visa, Mastercard, PayPak

Accept card payments from local and international customers on the same hosted checkout.

  • Local and international cards
  • Same checkout, same API
Ask about availability

Available for live payments today: JazzCash, Easypaisa and Raast QR. Pakistani banks and cards in same checkout. Contact us .

Platform

Everything you need to accept online payments in Pakistan

A complete payment flow, from checkout to confirmation to withdrawal, so you can focus on your business.

Hosted checkout

A clean, mobile-ready payment page with your store name and logo. No payment forms to build or maintain.

Payment gateway API

One server-side request starts a payment. Works from PHP, Laravel, WordPress, Python, Node.js, .NET, Java and Go.

Instant payment notifications

Signed IPN callbacks are sent to your server and retried automatically, with a status API as a safety net.

Payment recovery

If a customer pays but closes the page or loses connection, we re-check with the provider and confirm it for you.

Merchant dashboard

Track transactions, view reports and pending payments, and manage your API keys from one place.

Invoices & payment links

Create an invoice and send the link. Your client pays online through the same secure checkout.

Withdraw to your bank

Request withdrawals of your balance to your registered bank account from the dashboard.

Domain-locked API keys

Your public key identifies your business, your secret key stays on your server, and callbacks are signed.

Support desk

Open and track support tickets directly from your account whenever you need help.

Solutions

Merchant accounts, sub-merchants and an agent program

Whether you run one store, many websites, or want to earn by referring businesses, ZurvaPay has a way to work with you.

Self-onboarding

Open your merchant account online

No sales calls to get started. Register, submit your business details and KYC, and manage everything from your merchant dashboard. After approval you receive API keys and can go live.

  • Online registration and KYC form
  • Track your verification status in the dashboard
  • API keys and domain approval after verification
How merchant onboarding works

Onboarding in four steps

1
RegisterCreate your merchant account.
2
Submit KYCFill in your business details and documents.
3
Get approvedOur team reviews your application.
4
Go liveCopy your API keys and start accepting payments.

One verified account, many websites

Your merchant accountVerified once with your KYC.
Sub-merchant: Website AOwn business name, API keys and transactions.
Sub-merchant: Client BOwn dashboard view, pending payments and withdrawals.
Sub-merchants

Sub-merchant accounts for agencies and multi-site businesses

Add a sub-merchant for each website or client you manage. They are reviewed against your already-verified merchant KYC, so you don't upload documents again.

  • Separate API keys for every sub-merchant
  • Separate transactions and pending payments
  • Enable or disable API access per sub-merchant
About sub-merchant accounts
Agent program

Become a ZurvaPay agent and earn commission

Refer merchants with your personal referral link. When a merchant you referred withdraws funds, you earn a commission that is credited to your agent wallet.

  • Personal referral link after approval
  • See your referred merchants and commission log
  • Agent wallet with withdrawals

How agents earn

1
Apply as an agentRegister and complete verification.
2
Share your linkMerchants sign up through your referral link.
3
Merchants get paidThey accept payments and withdraw their balance.
4
You earn commissionA percentage is credited to your wallet.

Commission rates are set by ZurvaPay. Earnings depend on the volume of the merchants you refer and are not guaranteed.

For developers

Payment gateway API: start a payment with a single request

Post the order from your server, redirect the customer to the returned checkout URL, and wait for the IPN. That's the whole integration.

  • Standard HTTPS form posts, JSON responses
  • Public key to identify you, secret key to verify callbacks
  • Full documentation with ready-to-use code samples
Read the API documentation
# Start a payment from your server
curl -X POST "https://zurvapay.com/payment/initiate" \
  -F "public_key=YOUR_PUBLIC_KEY" \
  -F "identifier=ORD1790000000123" \
  -F "currency=PKR" \
  -F "amount=500" \
  -F "details=Wallet Recharge" \
  -F "ipn_url=https://yourdomain.com/zurvapay/ipn.php" \
  -F "success_url=https://yourdomain.com/payment/success" \
  -F "cancel_url=https://yourdomain.com/payment/cancel" \
  -F "customer_name=John Doe" \
  -F "customer_email=john@mail.com"

# Response → redirect the customer to "url"
{ "success": "ok", "url": "https://…/checkout" }
<?php
$ch = curl_init('https://zurvapay.com/payment/initiate');
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, [
    'public_key'    => 'YOUR_PUBLIC_KEY',
    'identifier'    => 'ORD1790000000123',
    'currency'      => 'PKR',
    'amount'        => 500,
    'details'       => 'Wallet Recharge',
    'ipn_url'       => 'https://yourdomain.com/zurvapay/ipn.php',
    'success_url'   => 'https://yourdomain.com/payment/success',
    'cancel_url'    => 'https://yourdomain.com/payment/cancel',
    'customer_name' => 'John Doe',
    'customer_email'=> 'john@mail.com',
]);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$res = json_decode(curl_exec($ch), true);

if (($res['success'] ?? '') === 'ok') {
    header('Location: ' . $res['url']);   // send customer to checkout
    exit;
}
How it works

How a ZurvaPay online payment works

Four steps from your customer's click to a confirmed order.

1

Customer checks out

Your server sends the order to ZurvaPay and redirects the customer to our hosted checkout.

2

Customer pays

They choose JazzCash, Easypaisa or Raast QR and approve the payment.

3

We confirm and notify

ZurvaPay confirms the payment and sends a signed IPN to your server.

4

You deliver

Verify the IPN, mark the order paid and fulfil it. The customer returns to your site.

Who it's for

Online payments for every kind of business in Pakistan

E-commerce stores

Online shops, marketplaces and dropshippers accepting wallet and QR payments at checkout.

Invoicing & B2B

Freelancers, agencies and consultants sending invoices that clients pay online.

Ticketing & events

Sell tickets, passes and registrations and confirm each payment automatically.

SaaS & digital products

Sell software, tools, memberships and digital downloads.

Education & healthcare

Collect course, admission, tuition and appointment fees online.

Wallet top-ups & services

Let customers add balance to your platform or pay for bookings and services.

FAQ

Frequently asked questions about ZurvaPay

What is ZurvaPay?
ZurvaPay is a hosted payment gateway for Pakistan. You send an order to our API, redirect your customer to our secure checkout, and we notify your server as soon as the payment is confirmed. ZurvaPay is operated by Zurva Premier Solutions (SMC-Private) Limited, registered in Multan, Pakistan.
Which payment methods can I accept with ZurvaPay today?
You can accept JazzCash and Easypaisa mobile wallet payments and Raast QR payments (customers scan a dynamic QR code from any bank or wallet app). All three work through the same checkout and the same API.
Can I accept debit cards, credit cards and Pakistani bank account payments?
Today you can accept JazzCash, Easypaisa and Raast QR payments. Debit and credit cards and payments from Pakistani bank accounts in same checkout and the same API, and are not available for live payments yet. Contact us if you would like .
How do I open a ZurvaPay merchant account?
Opening an account is self-service. Register online, complete your business details and KYC form, and our team reviews your application. After approval you get your API keys and register the website domain that is allowed to use them, then you can start accepting payments.
What is a sub-merchant account?
A sub-merchant lets one verified merchant run several websites or clients under a single account. Each sub-merchant has its own business name, website, API keys, transactions and pending payments, and goes live after our team approves it.
How does the ZurvaPay agent program work and how do agents earn?
Agents refer merchants to ZurvaPay. After your agent account is approved you get a personal referral link. When a merchant who registered through your link withdraws funds, a commission percentage is credited to your agent wallet and listed in your commission log. The percentage is set by ZurvaPay and your earnings depend on the volume of the merchants you refer.
How do I integrate ZurvaPay with my website?
Send one server-side POST request to the payment initiate endpoint with your public key, a unique order identifier, amount and your callback URLs. You receive a checkout URL, redirect your customer there and verify the signed IPN we send to your server. The documentation includes ready-to-use samples for PHP, cURL, Python and Node.js, and the flow works with Laravel, WordPress, .NET, Java and Go.
What happens if a customer pays but the page shows an error or is closed?
ZurvaPay re-checks such payments directly with the payment provider and confirms them automatically. Your IPN is retried up to 8 times if your server does not answer HTTP 200, and an optional status API lets your own cron job complete any order that was paid.
What are ZurvaPay's charges?
Charges are configured per merchant account. Create an account or contact us to see the rate that applies to your business.
About ZurvaPay

A Pakistani company, built for Pakistani merchants

ZurvaPay is operated by Zurva Premier Solutions (SMC-Private) Limited, registered in Multan, Pakistan. Read our policies to see how we handle your data and your payments.

Learn more

Guides for merchants and developers

Read the API documentation, follow our blog for payment tips and updates, or contact our team with questions about your integration.

Ready to accept JazzCash, Easypaisa, Banks, Cards and Raast QR payments?

Open a merchant account, grab your API keys and connect your website, or join as an agent and earn commission.