PAYMENT GATEWAYS
( Comparative Analysis )
PAYMENT GATEWAYS -
FEATURES
FEATURES XPAY
ABHI PAY PAY FAST SWICH
Visa, Master, Union,
Card Acceptance Visa, Master, Union Visa, Master, Union Visa, Master, Union
PayPak
JazzCash, Easypaisa JazzCash, Easypaisa, JazzCash, Easypaisa JazzCash, Easypaisa
Wallet Integrations
(via aggregators) Upaisa
Raast Enablement Not Available YES Available Not Available Not Available
Discount Engine / Yes (Flexible and Available With Cap /
Limited BIN Support Basic BIN Support
BIN Discounts Embedded) Limits
Manual/Within 3–5 time (4–5 Days Total)
Refund Handling time (4–5 Days Total) 3–5 Working Days
Days
Security / PCI
PCI-DSS Certified PCI-DSS Certified PCI-DSS Certified PCI-DSS Certified
Compliance
T+1 (Next Day T+1 (Next Day T+1 (Next Day
Settlement Time T+1 or T+2
Settlement) Settlement) Settlement)
PAYMENT GATEWAYS - TOP 5
BRANDS
ABHI PAY PAY FAST XPAY SWICH
REHMAT -E-
PIE IN THE SKY WALKEAZE KHAADI
SHEREEN
GENERATION
HOBNOB BONANZA STYLOCHEN ONE
DELIZIA J. MARIA.B. SEVESTON
KABABJEES BAKERS EDENROBE DINERS HUSH PUPPIES
SUNRIDGE GUL AHMED INSIGNIA FUROR
PROS & CONS
GATEWAYS PROS CONS
Strong B2B focus, advanced BIN-level Limited consumer awareness,
ABHI PAY
discounting, fast onboarding. Raast still in process
Wide acceptance, RAAST support, excellent
PAY FAST Redirection-based flow
documentation, reliable settlement
Simpler integration, good for small-medium Limited bank/wallet connections,
XPAY
businesses fewer enterprise-grade features
Robust support for high-volume merchants, Fewer embedded options, not ideal
SWICH
integrated with many banks. for startups
PAYMENT GATEWAYS -
QUOTATIONS
RATES
ABHI PAY PAY FAST XPAY SWICH
LOCAL CARDS 2.20% 2% 2% 2.20%
INTERNATIONAL CARDS - - - 3%
BANK ACCOUNT & N/A 1.50% N/A 1.80%
WALLETS
RAAST P2M (RTP&QR) N/A 0.70% N/A 1%
SERVICE CHARGES - - 10000 + 5% -
ST
EXCLUSVIE FED & ADDITIONAL GOVERNMENT SERVICE
CHARGES
