Every rail.
One layer.
Instant.
FlashPaym routes each transaction across JazzCash, Easypaisa and bank transfer rails in real time — one integration, one settlement, one reconciliation file. Your customers pay how they want. You get paid fast.
Trusted by 2,300+ merchants · routing PKR 8.4B every month
One integration. Three rails. Zero switching logic on your side.
You send us a payment request. We handle everything between your checkout and your bank account.
Customer pays their way
Your checkout shows JazzCash, Easypaisa and bank transfer as a single FlashPaym option. The customer picks whatever wallet or account they actually have money in — no abandoned carts because their preferred rail is missing.
We pick the fastest live rail
Our routing engine checks rail health, fees and success rates in real time. If JazzCash is degraded at 8pm on a Friday, transactions silently fail over to the next best path. You never see the outage — only the confirmation.
One settlement, one file
All rails settle into a single FlashPaym balance, swept to your bank account daily (or instantly on Growth and Enterprise). One reconciliation CSV covers everything — no more matching three portals against your ledger.
Everything the portals should have given you.
Smart failover
Automatic re-routing when a rail is down or slow. Merchants on FlashPaym recovered 96% of transactions during the March wallet outages.
Unified reconciliation
Daily settlement reports with order IDs, rail used, fees and net amounts — export to CSV, Excel or straight into your accounting tool via API.
Payment links & QR
No website? Generate a link or dynamic QR from your phone. Perfect for WhatsApp orders, Instagram shops and cash-on-delivery replacement.
Fraud screening
Velocity checks, device fingerprinting and blocklists tuned for local fraud patterns — before the transaction ever hits a rail.
Refunds from one place
Issue full or partial refunds to any rail from a single dashboard. We push the money back the same way it came in.
Rail analytics
See which rails your customers actually use, success rates by hour, and what each rail is costing you — down to the paisa.
Teams that stopped thinking about payment rails.
We ran three separate merchant portals and reconciled them by hand every Sunday night. FlashPaym collapsed that into one file. My accountant thought I'd hired someone.
During Eid rush our JazzCash gateway went down for two hours. FlashPaym re-routed everything to Easypaisa and bank transfer. We didn't lose a single order — I only found out from the analytics tab the next day.
Sixty percent of our orders used to be cash on delivery. With FlashPaym payment links on WhatsApp, prepaid is now 78% — our return rate dropped almost overnight.
The API docs are genuinely good. We went from sandbox to live in four days, including SBP-compliant KYB. That's faster than the two weeks it took just to get one wallet's portal credentials before.
Pay per transaction. No setup fee. No monthly minimum.
Fees are charged only on successful transactions and appear line-by-line in your settlement report.
Starter
- All three rails included
- Payment links & QR codes
- Next-day settlement (T+1)
- Dashboard & daily reports
- Email support
Growth
- Everything in Starter
- Smart routing & failover
- Instant settlement sweeps
- Full API + webhooks
- Refunds & disputes dashboard
- Priority WhatsApp support
Enterprise
- Everything in Growth
- Split payments & sub-merchants
- Custom routing rules
- Dedicated settlement account
- 99.95% uptime SLA
- Named account manager
Questions merchants actually ask us.
How fast do I actually receive my money?
Funds are confirmed to you in about 1.2 seconds and held in your FlashPaym balance. On Starter, we sweep to your bank account every business day (T+1). On Growth and Enterprise, you can trigger instant sweeps to any IBAN, any time — including weekends via RAAST.
Is FlashPaym regulated? Is my money safe?
FlashPaym operates under an Electronic Money Institution (EMI) arrangement supervised by the State Bank of Pakistan, and merchant funds are held in segregated trust accounts with a scheduled bank — separate from our company funds at all times.
What do I need to sign up? I'm a sole proprietor, not a registered company.
Sole proprietors can onboard with a CNIC, an active bank account or wallet in their own name, and basic business details. Registered companies additionally provide their SECP incorporation certificate and NTN. Most merchants are approved within 24–48 hours.
Do my customers need the FlashPaym app?
No. Customers pay with the apps they already have — the JazzCash app, Easypaisa app, or their own bank's app via RAAST or IBFT. FlashPaym is invisible to them except for a confirmation screen.
Am I charged on failed or reversed transactions?
No. Fees apply only to successful, settled transactions. If a payment fails on one rail and succeeds after re-routing, you're charged once — for the successful attempt only.
Can I integrate this into my Shopify / WooCommerce / custom app?
Yes. We ship one-click plugins for Shopify and WooCommerce, a REST API with webhooks for custom builds, and no-code payment links for everything else. Sandbox keys are available the moment you create an account.
Built by people who reconciled the portals by hand.
FlashPaym started in 2024 when our founders were running payments for a Karachi marketplace and spending more time matching settlement files than shipping product. We built the layer we wished existed.
Previously led payments and risk at a top-five Pakistani marketplace. Spent three years negotiating with wallet providers so you don't have to.
Ex-infrastructure engineer at a global remittance company, where she built rail-failover systems moving $2B a year. Wrote FlashPaym's first routing engine over a long weekend.
Former banker with 11 years across treasury and regulatory affairs. Speaks fluent SBP circular, so onboarding stays fast and clean.
Your next payment could route itself.
Create a free account, get sandbox keys instantly, and go live as soon as your KYB clears. No setup fee, no monthly minimum, cancel anytime.
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