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136 articles found
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What is the annual card-based international transactions limit set by the SBP?
In line with the State Bank of Pakistan's directive, customers are permitted to perform card-based international transactions of up to USD 30,000 per year. Your personal debit and credit cards,
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How can I set a spending control on my cards?
Go to the Cards icon at the bottom of the NayaPay Home screen. Select the card, Virtual or Physical, that you wish to set a spending limit for. Tap on More then enable Spending Control by tapping on
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Is my data and customer information safe?
Yes. We store your data on our own servers and those of affiliated third parties in secure data centers not accessible to the public. These servers are protected by firewalls with access restricted
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What user roles are available in the NayaPay Business portal?
Each user role in NayaPay Business comes with specific permissions that define what users can and cannot do. Here’s a breakdown of the key roles: Admins Admins are the super-users with unrestricted
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Can I save an invoice and send it later?
Yes, you have the option to save an invoice as a draft and send it at a later time. To save your progress, click the Save icon on the top-right of the left section of the invoice creation interface.
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What does expected deposit and total deposit amount mean?
When customers pay you successfully, NayaPay informs you that the amount, net of any fees, has been collected and a deposit is expected into your account in the next 2 - 7 business days. During the
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How can I create and change my debit card PIN?
Click on Debit Card in the left panel, choose change PIN and follow the steps to change the PIN on the card.
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What is a billing agreement and how does it work?
A billing agreement is a legal agreement between you and NayaPay which enables you to accept and make payments on NayaPay Arc -- and access other services and tools provided on the platform. The
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Can I keep detailed inventory and stock records on my portal?
While NayaPay Arc does not provide inventory management solutions, you can create an Items Library with product details such as list price. This Library can be used to automatically fill in item
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What is the difference between freezing a card and blocking it?
Freeze: If you believe you may have misplaced your NayaPay debit card, please freeze your card immediately by navigating to Cards > Freeze Card. This will temporarily disable your card and limit
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Why do I need to share my photo and CNIC to create my wallet?
The State Bank of Pakistan requires all financial institutions to verify the identity of its customers, commonly known as 'Know Your Customer’ (KYC) and 'Customer Due Diligence' (CDD), during
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How can I track the money coming in and going out of my account?
You have two dedicated accounts to help manage your cash flow: a Revenue Account and an Expense Account. In the Accounts tab, click the arrow at the top right of the Revenue Account card to view its
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How can I remove my card from a merchant website?
If you want to cancel your subscriptions, check the guides below to remove your card from various platforms. If your platform is not listed, contact our Support team for assistance. They are always
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How can I upgrade my wallet through the ATM?
You can upgrade your monthly transaction limits through the ATM by following the steps below: 1. Visit a nearby Meezan Bank ATM with your CNIC number and registered mobile number on hand. 2. On the
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Are there any account limits?
In accordance with State Bank of Pakistan regulations, there are certain limits for the transactions done through EMIs like NayaPay. You can also upgrade these limits by providing biometric
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My account is locked. What do I do?
For security purposes, your NayaPay account is locked automatically if there are five incorrect MPIN attempts. You can unlock your wallet by answering a security question, using the in-app biometric
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How do I transfer money to my NayaPay account from a bank account?
You can visit your bank’s internet banking portal or mobile banking app and add your NayaPay account as a beneficiary to transfer funds within a few minutes. THROUGH INTERNET BANKING PORTAL: 1. Login
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What can an Admin do that other roles can’t?
Admins in the NayaPay business portal have access to the following exclusive features across various modules: User Management: Admins can invite, edit, and revoke users, assign roles, resend invites,
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What is 3D secure?
3D Secure, also known as a payer authentication, is a security protocol that helps prevent fraud on online transactions using debit and credit cards. When 3D Secure is enabled, customers using their
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My card is expiring or has expired. What do I do?
You’ll be notified that it’s time to request a replacement within 30 days of your Visa card’s expiration date. You’ll be notified again when your card expires. In either case, you can request your
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My card is expiring or has expired. What do I do?
Within 30 days of your debit card’s expiration date, you’ll be notified on your NayaPay app that it’s time to request a replacement. You’ll be notified again once your card has expired. In either
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Where can I use my PayPak debit card?
PayPak cards are widely accepted across Pakistan. Your NayaPay PayPak debit card can be used to transact at many retail locations and to withdraw cash at ATMs in the country.
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How can I avoid failed transactions?
1. Maintain sufficient funds in your account: Before attempting an online or international transaction, make sure you have sufficient balance in your account. If you’ve saved your card information at
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Can I shop online with my PayPak debit card?
At this time, PayPak debit cards are not enabled for online payments. However, you can use your NayaPay Visa Virtual card, issued instantly upon wallet creation, for all your online transactions.
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Will 3D secure be presented on any transaction?
All NayaPay Visa debit cards are enrolled for the 3DS program. The 3DS authentication depends on several factors including whether the merchant is 3DS enabled or not, the transaction is for card on
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My card is expiring or has expired. What do I do?
You’ll be notified that it’s time to request a replacement within 30 days of your Visa card’s expiration date. You’ll be notified again when your card expires. In either case, you can request your
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How does 3D secure benefit me?
Whether you are a NayaPay consumer or merchant, there are a number of benefits of using 3DSecure. As a consumer, when you use your card online, high risk, suspicious transactions will be flagged by
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I lost my card. What do I do now?
If you have misplaced your NayaPay debit card, please freeze your card immediately by navigating to Cards > Freeze Card. If you do not have access to your app, you can call (021) 111-222-729 to
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I lost my card. What do I do now?
If you have misplaced your NayaPay debit card, please freeze your card immediately by navigating to Cards > Freeze Card. If you do not have access to your app, you can call (021) 111-222-729 to
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My customer has sent me money; how do I verify that it has been collected?
When customers send you money, it will show up as a successful transaction in the Transactions tab with its status set as “collected”. This indicates that the payment network has received the funds
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What are failed transaction charges?
NayaPay incurs charges for both successful and failed transactions. Unfortunately, we observed a high rate of declined transactions among some users who were not responsibly using their cards on
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Which OS versions does NayaPay support?
At NayaPay, we are committed to delivering the most secure and seamless experience for our users. To make sure we live up to that promise, we regularly update our app to keep up with the changes in
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Who is NayaPay for?
Any Pakistani citizen over the age of 18 can open a NayaPay wallet and use it to make payments, send and receive money, split bills and much more. A NayaPay account comes with a free Visa Virtual
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Which bank is NayaPay?
NayaPay operates as an Electronic Money Institution (EMI) in Pakistan. It is a digital wallet that enables users to make payments, send and receive money, receive remittances, pay bills and much
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How do I create my Items Library?
To set up your Items Library: 1. Navigate to Sales on the left pane of the dashboard and select the Items tab to view and edit your Items Library 2. Click Add New → Single Item and enter product
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How do I respond to chargebacks?
First, please collect digital copies of all documentation such as the invoice, receipt, proof of delivery, and any other information to support your claim that the charge was valid. Such additional
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What do the different user statuses in the User Management section mean?
In the User Management section, users are assigned specific statuses that show their current access and verification state in the portal. Here’s a breakdown of each status: Active: The user has full
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How do I pay my StormFiber bill using NayaPay?
You can make all your StormFiber payments through NayaPay in just a few steps! Tap on the StormFiber icon on the Home screen and tap on ‘Next.’ Tap ‘Link Account’ and enter your mobile number
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Is my information safe?
Yes. We store your personal information on our own servers and those of affiliated third parties in secure data centers not accessible to the public. These servers are protected by firewalls with
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How can I add or remove NayaPay friends?
While adding friends is an important part of the NayaPay experience, you can pay anybody with a NayaPay account regardless of whether they are in your NayaPay contacts list. Once you sign up, you
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How can I add or remove NayaPay friends?
While adding friends is an important part of the NayaPay experience, you can pay anybody with a NayaPay account regardless of whether they are in your NayaPay contacts list. Once you sign up, you
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What is a chargeback?
A chargeback is a demand by a consumer’s card issuing bank to return the amount charged to the customer by a merchant. This can occur if the consumer disputes a charge with their bank. The issuing
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How do I find my chargebacks?
Chargebacks can be viewed by clicking on Disputes and Refunds on the left pane. This will display a list view of all Disputes and Refunds in the past 6 months. Clicking an entry from the list will
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My customer has paid me in cash, how do I record that on the portal?
You can record cash payments for your invoices and payment links by following these simple steps: Log in to your NayaPay Business portal and navigate to the Sales module. Click on the specific
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My phone has been lost or stolen. What should I do now?
Your debit card can still be used without your smartphone. You will continue to be able to make card payments and withdraw cash, and even top up your account through bank transfer or over the counter
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How can I purchase a Fly Jinnah ticket through NayaPay?
You can purchase a Fly Jinnah ticket through NayaPay by following the steps below: Book your desired flight on the Fly Jinnah website. Select NayaPay as your payment method and click on ‘Confirm
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What is a Payment Link?
Payment links provide a swift method for receiving payments from your customers. You can generate these links in under a minute by specifying the customer's name, the payment amount, and the due
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I did not receive the exact amount which was deposited into my account. Why is that? How do I resolve it?
First, please verify the details of each deposit, and associated transactions. These are available under the Deposits and Transactions tabs on the left pane. While reviewing these details keep an eye
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What happens if a fraudulent transaction occurs on my card?
If you notice a charge on your card which you believe you have not made, please file a dispute on the NayaPay app immediately. We also strongly recommend freezing your card till NayaPay’s fraud team
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How can I update my personal details?
Here's how you can update your personal details on the NayaPay app. CNIC: Tap on the profile icon at the top left of your Home screen. Go to Settings > Account and Privacy Settings > Update CNIC.