Payments decide whether Pakistani carts convert. Here is every main option, honestly compared.

Cash on delivery (COD) The trust default. 60%+ of Pakistani e-commerce still runs on it. Pros: zero friction for new customers, no paperwork. Cons: return/refusal rates (10–25% in some niches), courier COD fees (1–2%+), cash handling. Mitigate with confirmation calls/WhatsApp and COD charges for high-refusal areas.

Easypaisa / JazzCash (wallet transfer) Instant, familiar, works for customers without cards. Personal QR or merchant accounts both work; merchant accounts add payment links and reconciliation. The workhorse for Instagram sellers and stores alike.

Bank transfer / IBFT Zero fees, universally trusted for larger orders. Slightly more friction (customer must open their banking app). Pair with WhatsApp order confirmation.

Card gateways (PayFast, Safepay, bank PGs) Cards are a minority payment method but unlock subscription-style and international customers. Requires merchant onboarding, a business account and fees around 2–3%. Add when volume justifies it — not on day one.

The stack that works in practice Launch with COD + Easypaisa/JazzCash + bank transfer (covers ~95% of customers, zero onboarding). Add cards in month 2–3 once order volume is real. Show ALL options on the product page — payment anxiety kills more carts than price.

On the website side Your store just needs clear payment instructions per method and order records — every Kairalmas store theme ships with exactly that, and a Launch trial lets you test the whole flow on a free subdomain before going live.