Cash still works. But when a few hundred customers owe you every month, cash, screenshots and personal wallet numbers turn into long evenings of checking. This guide answers how to collect payments online in Pakistan when the dues repeat, and compares six ways to get paid side by side.
Why monthly dues are harder than a one-off sale
In a shop, the customer pays and leaves. Done. Recurring dues are different:
- The same people pay every month, on different days.
- They use different apps: JazzCash, Easypaisa, HBL, Meezan and others.
- Some pay late, some pay half, some pay two months ahead.
- You need proof of who paid, for which month, and what's still due.
So when you receive payments from customers in Pakistan, the real question isn't "can they send money?". Almost everyone can. It's "when the money arrives, will I know whose it is?"
Picture the 5th of the month at a gym or academy. A pile of transfers came in overnight. Some people sent screenshots, some sent nothing, and a couple paid from a relative's account under a different name. Someone now spends an hour matching names to customers, and still gets a few wrong. That hour, every month, is the real cost of the wrong method.
How to collect payments online in Pakistan: six options
1. Cash
Still normal for many gyms, academies and water suppliers. There's no fee, but someone has to count it, write it down and carry it to the bank. Your receipts are only as good as your register.
2. Bank transfer (IBFT)
The customer sends money from their bank app to your account number or IBAN. Easy for them. But you see a name and an amount, not which customer or which month it's for. Some businesses ask payers to type their name or ID in the transfer note. It helps, but many people skip it.
3. JazzCash or Easypaisa wallet transfer
Very common. The customer sends money to your wallet number. Same problem as IBFT: you get "Rs 3,000 received" and have to work out who sent it. Many people then send a screenshot on WhatsApp, which someone checks by hand.
4. 1BILL Billing ID
Each customer or bill gets a consumer number. They pay it from almost any bank or wallet app, under 1BILL. The payment is tied to that bill, so you know exactly who paid. See our 1BILL guide.
5. Raast
The State Bank of Pakistan's instant payment system. A business can take Raast payments with a QR code or send a Request to Pay. It's free for the payer. See Raast for business.
6. Card payment links
A payment gateway gives you a link, and the customer pays by debit or credit card. Useful for online orders and customers abroad. The business usually pays a percentage on each payment, which adds up on small, regular dues.
Side-by-side: which method suits recurring dues?
| Method | Who can pay | Matches payment to the customer? | Receipt | Good for |
|---|---|---|---|---|
| Cash | Anyone who can come to you | Only if you write it down | Paper, if you give one | Small local businesses, people without apps |
| Bank transfer (IBFT) | Anyone with a bank app | No. You match it by hand. | Their bank app's transfer slip | Large amounts, company customers |
| JazzCash or Easypaisa transfer | Anyone with a wallet or bank app | No. You match it by hand, often from screenshots. | A screenshot | A few customers who already use it |
| 1BILL Billing ID | Almost any bank app or wallet, and some counters | Yes. The ID points to the bill. | App confirmation, plus yours if your system sends one | Monthly fees, dues and bills |
| Raast QR or Request to Pay | Raast-enabled bank and wallet apps | Yes with dynamic QR or RTP. No with a static QR. | Payment alert, plus yours if you send one | Counter payments, customers who like QR |
| Card payment link | Card holders, including abroad | Yes, if each link is made for one bill | Usually an email or SMS from the gateway | Online sales, overseas payers, one-off amounts |
What each one costs (as of September 2026)
- Cash: no fee, but it costs time, counting and the risk of carrying it.
- IBFT: under an SBP rule from 2021, banks must let each person send at least Rs 25,000 a month free. Above that, they may charge up to 0.1% of the amount or Rs 200, whichever is lower. Receiving is free. Check your bank's current schedule of charges.
- Wallet transfers: charges depend on the wallet, the amount and the account type. Check inside the app.
- 1BILL: set in your agreement with your bank or billing platform. The fee may be added to the payer's amount or taken from what you receive.
- Raast: free for the payer under SBP rules. Merchant fees depend on your provider.
- Card links: the business usually pays a percentage per payment, called MDR. Ask the gateway for its rate.
See it with your own customers
Book a free demo. We'll show you how Wasooli.Online sends bills on WhatsApp, takes payment through 1BILL and Raast, and sends receipts by itself.
1BILL vs Raast for fees and dues
These two are the strongest options for recurring dues. They work best together.
- Start with 1BILL if your customers already pay bills and fees from their phone. It's familiar, it works almost everywhere, and every payment lands on the right bill.
- Add Raast QR for people who pay at your counter, and for customers who like scanning a code. It's free for the payer.
- Use Raast Request to Pay once you have customers' Raast IDs and they're happy approving requests in their app.
Our Raast guide has a full table comparing the two for recurring dues, row by row.
JazzCash and Easypaisa: collecting from wallet users
A lot of your customers live in JazzCash or Easypaisa. You don't need a separate setup for each wallet to reach them. Both apps can pay 1BILL bills under bill payments, and both can pay Raast. So one Billing ID reaches wallet users and bank users alike.
What about JazzCash and Easypaisa business collection on your personal wallet number? It's fine for a handful of customers. Beyond that, matching gets hard and your personal and business money mix. JazzCash also offers business accounts that take Raast QR payments, if you want a wallet-based setup.
How to choose: a simple guide by situation
- A small number of local customers? Cash plus a proper record, like a digital khata, can be enough. Offer a Billing ID to those who ask.
- School, academy or tuition centre? Parents bank all over the place. Online fee payment by 1BILL Billing ID works best, with the ID on the fee voucher and on WhatsApp.
- Gym, club or pool with a front desk? 1BILL for monthly fees, plus a Raast QR at the desk.
- ISP, cable or water supplier? 1BILL for the monthly bill, and cash or QR for staff collecting door to door.
- Housing society? A Billing ID for each house's maintenance fee, with a receipt every time.
- Selling online or to customers abroad? Card payment links.
Don't offer everything at once. Every extra method is one more place to check at month end. Two or three, picked to match how your customers already pay, is plenty. Not sure what they prefer? Ask a few regular customers. They'll tell you in a minute.
Moving customers from cash to online, gently
Changing how people pay takes a month or two. Don't switch off cash overnight. Do this instead:
- Tell everyone first. Send one WhatsApp message explaining the new way to pay and why it's easier for them.
- Put the Billing ID everywhere. On the bill, the fee voucher, the WhatsApp message and the notice board.
- Show them once. Share a short help page, like our 1BILL payment help, with videos for each bank and wallet.
- Send a receipt within minutes. Quick proof is what makes people trust paying online.
- Keep cash for those who need it. Older customers and people without apps shouldn't be pushed out.
After a couple of cycles, look at how people paid. If most use the Billing ID, you can make it the default and treat cash as the exception.
How Wasooli.Online puts it together
Wasooli.Online is built for businesses with recurring dues. Bills are created automatically every cycle, with late fees, part payments and advance payments handled. Each bill goes out on WhatsApp from a verified business number, with the customer's Billing ID. Customers pay through 1BILL from almost any Pakistani bank app or wallet, including JazzCash, Easypaisa, HBL, UBL, Meezan, Allied, Bank Alfalah, Faysal and NayaPay. Raast is supported too.
When a payment comes in, it posts to the customer's khata by itself and a receipt goes out on WhatsApp. Customers can also see their bills and pay in their own app, Medio. You get a clear view of who's paid and who's pending, without checking screenshots. Plans start from Rs 10,000 per month, with every feature on every plan.