You do not need a big company to take professional online payments. Freelancers, home-based sellers and small online shops in Pakistan use payment gateways to look credible, get paid faster and stop chasing screenshots in chat. This guide shows how to start with ZurvaPay and what to prepare.
- Why use a gateway instead of bank transfers
- What you need to start
- Getting started in five steps
- Use invoices if you do not have a website
- Build trust with customers
- Mistakes small sellers make
- Growing your business
- FAQ
Why use a gateway instead of bank transfers
- Automatic confirmation. You do not need to compare bank statements with orders.
- Professional impression. A secure checkout with your logo builds confidence.
- Fewer disputes. Every payment has a transaction ID and a status.
- Work while you sleep. Customers pay at any hour and your system reacts immediately.
What you need to start
- Your CNIC and a clear photo of it.
- A mobile number and email you can access.
- A website, app, or a clear description of where you will take payments.
- A bank account to receive your withdrawals.
Getting started in five steps
- Register your merchant account online.
- Complete the KYC form.
- Wait for approval and add a bank account.
- Connect your website through the API, or use invoices.
- Run one small real payment, then go live.
Use invoices if you do not have a website
Not every seller has a store. The invoice tool lets you create an invoice for a customer with the product, quantity and price, then send the payment link by email or share it in any chat. The customer pays on a secure page and the invoice is marked paid automatically. Read online invoices and payment links.
Build trust with customers
- Show clear prices, delivery times and a refund policy.
- Use a business name customers recognise at checkout.
- Reply to support messages quickly.
- Always send a confirmation after payment.
Mistakes small sellers make
- Taking payment through personal accounts for different businesses.
- Not keeping transaction IDs with orders.
- Skipping KYC details or using unclear photos.
- Marking orders paid because a customer sent a screenshot.
Growing your business
When you take on clients, a second shop or an app, use sub-merchants. If you know other business owners who need a gateway, the agent program lets you earn commission from the merchants you refer.
Frequently asked questions
Can I accept payments without a website?
Yes, you can create invoices and share the payment link with your customer.
Is there a minimum amount?
Minimum and maximum amounts depend on your account and the payment method. Contact us for the limits that apply to you.
How long does approval take?
A complete, clear application is usually reviewed within a few working days.
How much does it cost?
Charges depend on your volume and are set per account. See our pricing guide.
Start today
Open a ZurvaPay merchant account or contact us and we will help you get started.
Related guides
Start accepting payments with ZurvaPay
Open a merchant account, connect your website with one API and get notified the moment a customer pays.