Pakistani har cheez ki payment phone se karte hain, siwaye aap ke parcel ke
Pakistan mein digital payment vs COD ka sawal 2026 mein ajeeb jawab deta hai. State Bank of Pakistan ke January se March 2026 ke payment systems review ke mutabiq is quarter mein banks aur payment companies ke zariye 3.7 arab retail payments hui jin ki value Rs 168.8 trillion thi, aur in mein se 92% digital thin: mobile apps, internet banking, ATM, POS machines, e-commerce aur IVR.
Lekin yahi log jab kisi online store se order karte hain to zyada tar ab bhi cash on delivery chunte hain. June 2026 mein OrderNation ki ek research mein ek bade Pakistani online retailer ke taqreeban 1 lakh 70 hazar orders dekhe gaye: 94.5% orders COD the aur sirf 1.6% ki payment pehle se digital hui.
Matlab phone se paise dene ki aadat to ban chuki hai. Jo aadat nahi bani woh hai kisi store ko pehle paise dena. Is post mein hum SBP ke ek saal ke farq wale numbers saath saath rakhenge aur dekhenge ke Pakistani Shopify seller in se kya practical qadam utha sakta hai.
Numbers: Pakistan mein digital payment ka ek saal
Neeche wali table mein 2025 ke January se March quarter ka muqabla 2026 ke usi quarter se kiya gaya hai, SBP ke reviews aur un par chhapi khabron ki buniyad par. Aakhri column hamara apna hisaab hai.
| Cheez | Jan-Mar 2025 | Jan-Mar 2026 | Farq |
|---|---|---|---|
| Banks aur payment companies ke zariye retail payments | 2,408 million | 3.7 arab | Taqreeban +54% |
| Digital channels ka hissa | 89% | 92% | +3 points |
| Mobile banking aur wallet apps se payments | 1,686 million (Rs 27 trillion) | 2.9 arab (Rs 42 trillion) | Taadaad mein taqreeban +72% |
| Raast instant payments | 371 million (Rs 8.5 trillion) | 742.1 million (Rs 23.3 trillion) | Taqreeban double |
| Account ya wallet se online kharidari | 199.1 million | 434.5 million (Rs 0.47 trillion) | Taqreeban 2.2 guna |
| Card se online kharidari | 13.5 million | Taqreeban 16 million (Rs 0.08 trillion) | Taqreeban +19% |
| POS machines | 179,383 | 247,836 | Taqreeban +38% |
2026 ke quarter ke teen aur numbers sellers ke liye important hain. Raast se dukaandar ko payment (person-to-merchant) pichle quarter ke 36.3 million se barh kar 55.9 million ho gayi. QR se dukaanon par payments pichle quarter ke muqable mein taadaad mein 41% aur value mein 63% barhin, taqreeban 25 lakh QR wali dukaanon par. Aur digital payment lene wale e-commerce merchants ek saal mein 92% barh kar 17,554 ho gaye.
Seller ki nazar se yeh numbers kya batate hain
- Wallet card se bohat aage hain. Is quarter mein digital tareeqe se hone wali taqreeban 45 crore online kharidariyon mein se taqreeban 96% bank account ya wallet se huin aur sirf 4% card se. Agar aap ke store par sirf card ka option hai to aap woh tareeqa de rahe hain jo online sab se kam Pakistani use karte hain.
- Dukaandar ko phone se paise dena aam ho raha hai. Raast se dukaandar ko payments ek hi quarter mein aadhe se zyada barh gayin aur QR payments tezi se barh rahi hain. Har baar jab customer kisi dukaan par QR se paise deta hai, kisi store ko pehle paise dena use thora kam ajeeb lagta hai.
- Aadat bari hai, raqam abhi chhoti. Account ya wallet se online kharidari ki value is quarter mein Rs 0.47 trillion thi, jo Rs 168.8 trillion ki retail payments ka bohat chhota hissa hai. Digital checkout chhoti buniyad se tezi se barh raha hai, lekin is saal COD ki jagah nahi lega.
- Masla bharose ka hai, sahoolat ka nahi. Jo log bill, mobile load aur doston ko app se paise bhejte hain woh bhi kisi naye store ke liye COD chunte hain. Un ke paas payment ka tareeqa maujood hai, woh bas is khatre se bach rahe hain ke store parcel na bheje.
Ek ehtiyaat: SBP ke online kharidari wale numbers mein account ya wallet se hone wali har qisam ki online payment shamil hai, sirf online stores ke orders nahi. Yeh aadaton ki direction dikhate hain, yeh nahi ke Shopify ke kitne orders pehle se paid hote hain.
Prepaid order aap ke liye COD order se zyada qeemti kyun hai
OrderNation ki research is bharose ki kami ki qeemat dikhati hai. COD orders mein se 37.3% cancel huay, jabke prepaid orders mein sirf 2.8%. Jo COD parcels rawana huay un ki taqreeban 19.4% value RTO ho kar wapas aayi. Yeh research mobile accessories ke ek retailer ki hai, is liye ise ek benchmark samjhein, poore mulk ki average nahi.
Example (farzi numbers, kisi store ka asal data nahi). Aap ads par Rs 60,000 kharch karte hain aur Rs 3,000 ke 100 orders aate hain. Shipping jaane ki Rs 250 aur wapsi ki Rs 250 hai. Research ke rates se:
| Har 100 orders par | Sab COD | Sab prepaid (example) |
|---|---|---|
| Rawangi se pehle cancel | Taqreeban 37 | Taqreeban 3 |
| Rawana huay | Taqreeban 63 | Taqreeban 97 |
| RTO ho kar wapas | Taqreeban 12 | Is example mein zero farz kiya |
| Deliver aur paid | Taqreeban 51 | Taqreeban 97 |
| Wapsi wale parcels par zaya shipping | Taqreeban Rs 6,000 | Rs 0 |
| Har paid order par ad ka kharch | Taqreeban Rs 1,180 | Taqreeban Rs 620 |
Prepaid wala column best case hai: aise customers bhi cheez wapas kar sakte hain aur research un ki return rate nahi batati. Lekin agar aap chand customers ko bhi prepaid par le aayein to har ek ke saath zaya shipping ka khatra kam hota hai aur ad ka paisa zyada kaam karta hai. Isi liye Rs 3,000 ke order par pehle payment ke liye Rs 100 ya Rs 150 ki discount apna kharch khud nikaal sakti hai. Raqam tay karne se pehle apne margin aur courier rates se hisaab zaroor karein.
Is hafte kya karein
- Checkout par sirf card nahi, wallet ya bank transfer ka option bhi dein. Easypaisa, JazzCash ya Raast wala bank transfer usi tarah hai jaise Pakistani waqai online payment karte hain. COD bhi rakhein, pehle payment par zabardasti na karein.
- Pehle payment ki chhoti si saaf wajah dein: prepaid order par fixed rupees ki discount, free delivery ya jaldi dispatch. Yeh offer payment options ke bilkul saath likhein, page ke neeche chhupa kar nahi.
- Delivery charges pehle sirf wahan maangein jahan wapsi sab se zyada hai. City aur product ke hisaab se apni return rate dekhein, aur sirf sab se kharab shehron ya zyada risk wali cheezon par delivery fee wallet ya Raast se pehle lein.
- Product page par bharose ka sawal khud hal karein. Asal phone ya WhatsApp number, aasan Urdu aur English mein return policy, aur parcel na pohanchne ki soorat mein kya hoga, yeh sab saaf likhein. COD customer asal mein yahi pooch raha hota hai.
- Prepaid orders ka hissa har hafte dekhein. Prepaid orders ko total orders se divide karein aur RTO rate ke saath rakhein. Agar yeh hissa barhe aur RTO kam ho to aap ki tabdeeliyan kaam kar rahi hain.
Teesre qadam ke liye city aur product ke hisaab se return rate chahiye. RabbitROI courier, city aur product ke hisaab se RTO rate dikhata hai, aur returns ke baad har ad campaign ka asal munafa bhi, taake aap dekh sakein ke pehle payment maangne se sab se zyada bachat kahan hogi.
Aage kin numbers par nazar rakhein
SBP har quarter payment systems review chhaapta hai, is liye agle numbers April se June 2026 ke honge. Har baar teen cheezein dekhne layak hain: account ya wallet se online kharidari, Raast se dukaandar ko payment, aur QR payments. Agar yeh isi tarah barhti rahin to bharose wale store ko pehle payment karne wale customers bhi barhte jayenge.
COD Pakistan mein jaldi khatam nahi hoga. Lekin jo sellers aaj pehle payment ko aasan aur mehfooz banayenge, aadat badalne par un ka return ka kharch kam aur paying customer sasta hoga.
Aam sawalat
Pakistan mein kitni payments digital hoti hain?
SBP ke January se March 2026 ke review ke mutabiq banks aur payment companies ke zariye hone wali 3.7 arab retail payments mein se 92% digital thin, jo ek saal pehle 89% thin. Is mein banking system se bahar cash payments shamil nahi.
Pakistani online khareedar COD pasand karte hain ya prepaid?
Ab bhi zyada tar COD. 2026 mein ek bade Pakistani online retailer ke taqreeban 1 lakh 70 hazar orders ki research mein 94.5% orders cash on delivery the aur 1.6% ki payment pehle digital hui.
Pakistani online payment ke liye sab se zyada kya use karte hain?
Bank account aur mobile wallet. January se March 2026 mein SBP ne account ya wallet se 434.5 million online kharidariyan ginin, jabke card se taqreeban 16 million.
Kya customers ko pehle payment par majboor karna chahiye?
Aam taur par nahi. Zyada tar customers ab bhi COD chahte hain, is liye zabardasti se orders kam ho sakte hain. Behtar yeh hai ke wallet payment ke saath chhoti si discount dein, aur delivery charges pehle sirf zyada return wale shehron ya products par maangein.
Hawalay
- SBP press release: Quarterly Payment Systems Review of Q3 FY26 (25 June 2026)
- SBP: Payment Systems Quarterly Review Q3 FY26
- Bigspay: Pakistan Digital Payments Hit 92% of Transactions in Q3 FY26
- The Nation: Digital payments surge in Pakistan as SBP reports strong Q3 growth (26 June 2025)
- OrderNation: State of Online Shopping in Pakistan 2026
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