If you build checkout flows for Pakistani stores, the payment gateway decision is an integration decision first and a pricing decision second. This guide covers the payment mix your clients' customers actually use, then the part developers own: sandbox testing, server-side verification, webhooks, and refund handling.

The short answer

If you sell online in Pakistan, start with three options at checkout: cash on delivery, one mobile wallet, and debit or credit card payments. That combination covers most buyers without making your checkout look like a form with too many choices. Add bank transfer only if your average order is large enough that customers expect it.

Most store owners pick a gateway the wrong way round. They compare headline fee percentages first and ask about settlement, refunds, and failed payments later, usually after something has already gone wrong. This post flips that order.…