HBL has always been at forefront for technology related initiatives, providing organizations and individuals the desired channel through which they could perform their transactions in a secure and convenient manner. The payment industry in Pakistan has developed rapidly in the past decade and continues to grow at an exponential pace.
HBL has introduced the payment platform that enables eCommerce Merchants/Aggregator/PSOs/ PSPs to accept online payments from their customers on their websites and mobile apps. HBLPay Checkout is an umbrella brand for consolidated digital payment services which gives the Single, Simple & Quicker integration; one for all card schemes and Direct Transfer facility from Accounts and wallets for the ecommerce merchants. It reduces the merchant’s hassle to handle sensitive data on their website. In digital industry. eCommerce Checkout solution also offers plugins and apps for renowned ecommerce platforms to help merchants integrate faster and within few hours.
Card based payments allow E-Commerce merchants to accept payments through VISA, MasterCard, Union Pay International, PayPak debit/credit cards. All card based transactions are 3D secured. Account Based Payment is a set of API based services that provides the interface for online merchants to collect funds directly from the HBL and Other partner bank account. All account based transactions are authorized by OTP.
Wallets based payments allow merchants to accept preferably low ticket size payments from wallet customers. Wallet transactions are secured as customer consent is required for every transaction.
It is a payment platform that enables eCommerce Merchants/Aggregator/PSOs/ PSPs to accept online payments from their customers on their websites and mobile apps. The service gives a Single, Simple & Quicker integration; one for all card schemes and Direct Transfer facility from Accounts and wallets for the ecommerce merchants.
Ecommerce checkout solution also offers plugins and apps for renowned ecommerce platforms to help merchants integrate faster and within few hours.
For online payments, merchants (seller) receive payments via the Internet or in situations when a payment is not physically presented to the merchant by the customer (buyer) at the time of the transaction.
The diagram below illustrates the flow of payment information and funds from a merchant’s Web site to their bank account.
The following steps explain how funds are transferred to your bank account when customer pays through credit or debit card:
Customer places and order to a
Following are the two basic requirements to avail HBLPay Checkout
There are three type of charges which HBL charges in order to provide payment gateway services.
Note:The above charges are exclusive of applicable taxes and can be amended on a case to case basis depending on your business module.
Currently, top currencies are available for transactions on HBLPay Checkout.
It will take maximum two working days from the date of transaction to reflect into merchant’s account.
Yes, limits are applied based on the nature of business.
Merchant onboarding is a simple process as define below.
Yes, HBL provide free of cost plugins for renowned ecommerce platforms Magneto & WOO Commerce for the quickest integration on merchant website/Mobile apps. Moreover, there are multiple third party plugins available online which can be also used for HBLPay Checkout integration. However, that is completely a merchant’s choice what plugin to use.