For two decades, 1LINK has been at the forefront of revolutionizing the financial landscape in Pakistan. As the nation's first fully licensed Payment System Operator, Payment Service Provider, and Payment Switch, we’re building a future where every transaction is seamless, secure, and instant. From driving innovation in e-payments to creating an interconnected ecosystem, 1LINK is powering the way Pakistan moves.
At 1LINK, we believe in the power of collaboration. With an extensive network of partners, we’re shaping the future of digital payments together.
Member Banks
Billers
Affiliate Members
Non-Banking Financial Initiators
Bank and Non-Bank Aggregators
White Label ATM Operator
PayPak is Pakistan’s first and the only domestic payment scheme (DPS) making Pakistan the 28th country in the world to have its own domestic payment scheme. PayPak is owned and operated by 1LINK and was launched under the aegis of the State Bank of Pakistan with the objective to spur financial inclusion and digitization across the country.
For secure, automated and end-to-end PayPak and Union Pay International EMV Card Personalization and Fulfillment. The EMV card issuance solution enables to issue personalized EMV cards efficiently and securely and ensures strong production security that guarantees compliance with the current market standards.
Launch your mobile payments rapidly without having to go through various security frameworks or complex integration with 1LINK Issuer Gateway service (TIG) for tokenization. This service is available for both card issuers and wallet providers.
With 1LINK’s centralized multi-institution setup, members can benefit from the infrastructure investment made by 1LINK and scale their business by leveraging on the value-adds, including, but not limited to:
As part of the initiative to increase the quality of service for members, 1LINK launched Switch Dispute Resolution System (SDRS) to aid dispute handling.
1LINK is committed to administering and evolving a strong, robust, and secure electronic payment network in the country to enable real-time transactions. To further strengthen the payment ecosystem and facilitate the financial industry against ever-increasing cyber threats
1LINK introduced 1IBFT Fraudulent Transaction Dispute Handling via the already existent SDRS to provide enhanced monitoring and 24×7 dispute lodgment for fraudulent transactions between banks for end to end dispute resolution.
1GO RAAST P2M (Person to Merchant) Service is an innovative and interoperable digital payment platform that provides seamless integration experience to partners. This service broadens the opportunities for businesses,
1LINK promotes innovation and collaboration for freelance developers, startups, FinTechs, Banks, FIs, NBFIs, EMIs, PSO/PSPs, Billers and Government Entities. 1LINK’s Open API Gateway currently offers an initial set of 16 APIs on Sandbox and certification catalogues
1LINK equips member with a complete fraud detection and prevention suite, along with the tools to handle associated risks. 1LINK Fraud Risk Management Services (FRMS) augments the immunity of the payments ecosystem by enabling member banks/FIs
1LINK is the first entity in Pakistan to provide gateway services for International Payment Schemes (IPS) to licensed entities including banks and affiliates to issue/acquire cards that can be used on the Global Payment Network.
Connecting 37 commercial and microfinance banks with branch banking in collaboration with the key international payment schemes such as VISA, Mastercard, UnionPay International (UPI), Japan Credit Bureau (JCB) and domestic payment scheme PayPak
1LINK, along with Banks, the State Bank of Pakistan, and the Ministry of Finance, is proud to introduce a one-of-its-kind incentive program for Non-Resident Pakistanis and their beneficiaries.
Cut the queue, pay your electricity bills and more in seconds with 1LINK’s fast and efficient 1BILL. 1BILL allows 1LINK members (banks and non-banks) to collect payments various entities including but not limited to Utilities,
Bringing more convenience to the end customers, 1LINK enables the member banks to offer ‘Inter Bank Funds Transfer’. 1LINK is the first entity in Pakistan to launch “1IBFT” – Inter Bank Funds Transfer, a 24/7 real-time service that ensures online transaction processing instantly across different banks.
PayPak Edge is Pakistan’s first truly premium card variant, crafted for affluent and aspirational customers who expect more from their financial experience. With thoughtfully curated privileges- including premium insurance, executive health check-ups, and exclusive lifestyle benefits - PayPak Edge sets a new benchmark for convenience, prestige, and payment excellence. Available in both Conventional and Islamic variants, PayPak Edge delivers elevated services and offerings with seamless convenience.
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Stay informed with the latest updates from 1LINK. Check back for announcements and innovations.
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Be part of the team revolutionizing finance at 1LINK. We believe excellence transcends boundaries, and we're always seeking passionate individuals to help us reshape the payment landscape and promote financial inclusion across Pakistan.
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