Pakistan mein Raast payments: FY26 mein sab se zyada badalne wala number
Pakistan mein Raast payments State Bank of Pakistan ki FY26 (July 2025 se June 2026) ki Annual Payment Systems Review mein sab se tez barhne wali cheez thi. Yeh review 6 October 2026 ko aayi. Online seller ke liye sab se ahem line person-to-merchant (P2M) payments hai, yani customer kisi dost ko nahi balke kisi business ko paise bhej raha hai. Pakera ke mutabiq SBP ke provisional tables kehte hain ke Raast P2M payments FY25 mein 4.9 million thin aur FY26 mein 182.5 million ho gayin, aur in ki value Rs 14.9 billion se Rs 994.4 billion tak pohanch gayi.
Yani ek saal mein taqreeban 37 guna zyada payments. COD seller ke liye poori report mein yeh sab se kaam ka signal hai, kyun ke yeh wohi aadat naapta hai jo customer ko advance payment karne se pehle chahiye: phone se kisi aise business ko paise bhejna jise woh zaati taur par nahi jaanta.
Is post mein FY26 ke numbers FY25 ke saath rakhe gaye hain, un se hamara apna hisaab hai, aur aakhir mein ek Rs formula hai jis se aap faisla kar sakte hain ke Raast se advance payment karne wale customer ko kitna discount dena chahiye, ya bilkul nahi.
FY26 ke payment numbers, FY25 ke saath
Table mein SBP ki saalana review ki news reports (24 News, Pakistan Observer, TechX) aur Pakera ke SBP Raast tables ke figures hain. Aakhri column hamara apna hisaab hai. SBP ke FY26 ke Raast figures provisional hain aur badal sakte hain.
| Kya naapa gaya | FY25 | FY26 | Farq (hamara hisaab) |
|---|---|---|---|
| Banks aur payment companies ke zariye retail payments | Taqreeban 9.1 billion | 14.3 billion | +58% |
| Digital channels ka hissa | 88% | 92% | +4 points |
| Mobile phone se payments | Report nahi hua | 11.1 billion se zyada | +79% (report ke mutabiq) |
| Branchless banking (wallet) app users | 79.2 million | 99.1 million | +25% |
| Bank mobile app users | 24.1 million | 30.4 million | +26% |
| Tamam Raast payments | 1,276.0 million | 2,755.2 million | Taqreeban 2.2 guna |
| Raast person-to-merchant payments | 4.9 million | 182.5 million | Taqreeban 37 guna |
| Raast person-to-merchant payments ki value | Rs 14.9 billion | Rs 994.4 billion | Taqreeban 67 guna |
| Banks ke paas register QR merchants | 1,092,044 | 3,836,522 | Taqreeban 3.5 guna |
| Dukaan ki POS machine par roz card payments | Taqreeban 1 million | Taqreeban 1.5 million | Taqreeban +50% |
Review se do aur baatein. SBP ne FY26 mein 295,367 merchant locations par 337,791 POS terminals gine. Aur banking channels se hone wali e-commerce payments mein se 96% account-based thin (bank account ya wallet), card nahi. Wallet aur bank app users ek hi log bhi ho sakte hain, is liye in dono numbers ko jama na karein.
Hamari reading: Raast ke numbers aap ke customers ke baare mein kya batate hain
Hum ne Raast payments ki value ko un ki tadaad se divide kar ke har payment ka average size nikala, aur aakhri quarter ko poore saal se compare kiya. Yeh upar diye SBP figures se hamara apna hisaab hai.
| Hamara hisaab | Nateeja | Seller ke liye matlab |
|---|---|---|
| Raast P2M ki average payment, FY25 | Taqreeban Rs 3,040 | Shuru ke users chhoti raqam bhejte the |
| Raast P2M ki average payment, FY26 | Taqreeban Rs 5,450 | Aam online order jitni raqam ab Raast par normal hai |
| Raast person-to-person ki average payment, FY26 | Taqreeban Rs 27,150 | Jaan pehchaan wale ko log bari raqam bhi Raast se bhejte hain |
| Tamam Raast payments mein P2M ka hissa, FY25 | Taqreeban 0.4% | Business ko payment karna kam hi hota tha |
| Tamam Raast payments mein P2M ka hissa, FY26 | Taqreeban 6.6% | Business ko payment ab asal aadat hai, magar abhi chhoti |
| FY26 ki P2M payments mein April se June 2026 ka hissa | Taqreeban 47% (182.5 million mein se 86.0 million) | Saal ke aakhir tak growth aur tez ho rahi thi |
- Taqreeban Rs 5,450 ki average merchant payment bohat se Pakistani online orders ki range mein hai. Customers ab Raast sirf chai aur sabzi ke liye istemal nahi kar rahe; aap ke parcel jitni raqam ab normal hai.
- Aadat asli hai magar nayi hai. FY26 mein taqreeban har 15 Raast payments mein se sirf ek kisi business ko gayi. Zyada tar log ab bhi Raast se jaan pehchaan walon ko paise bhejte hain. Yehi woh trust ka farq hai jo COD seller ke saamne hai: payment ka rasta maujood hai, anjaan store par bharosa abhi nahi.
- Sirf aakhri quarter mein taqreeban 86.0 million P2M payments huin, yani saal ka taqreeban aadha. Agar yehi raftaar rahi to July se September 2026 aur zyada hoga. Yeh maanne se pehle SBP ki agli quarterly review dekhein.
- QR merchants teen guna se zyada ho kar taqreeban 3.8 million ho gaye. Aap ke bohat se customers ab mohalle ki dukaan ko code scan kar ke paise dete hain, is liye order confirmation par Raast ID ya QR un ko ajeeb nahi lagega.
Raast se payment par kitna discount de sakte hain? Rs formula
Advance paid order darwaze par refuse nahi ho sakta, is liye is mein parcel ke bekaar aane jaane ka risk khatam ho jata hai. Yehi bachat kisi bhi discount ka kharcha uthati hai. Discount set karne ka aasaan tareeqa:
Break-even discount har prepaid order par = aap ka return (RTO) rate x aane jaane ka shipping kharcha - bank ki merchant fee.
Misaal (sirf samjhane ke liye numbers, kisi asal store ka data nahi). Aap ka average order Rs 3,000 hai. Shipping Rs 250 jaate hue aur Rs 250 wapas, yani ek return par Rs 500 zaya. Aap ka bank Raast payments par 1% merchant fee leta hai, is order par taqreeban Rs 30 (1% woh misaal wala rate hai jo Dawn ne istemal kiya; apne bank se poochein). Table mein teen return rates par break-even discount hai.
| Aap ka RTO rate | Har prepaid order par bacha return kharcha | Merchant fee | Break-even discount |
|---|---|---|---|
| 10% | Rs 50 | Taqreeban Rs 30 | Taqreeban Rs 20 |
| 15% | Rs 75 | Taqreeban Rs 30 | Taqreeban Rs 45 |
| 25% | Rs 125 | Taqreeban Rs 30 | Taqreeban Rs 95 |
Ab maan lein aap ko mahine mein 300 orders milte hain aur 30 customers (10%) Raast choose karte hain, aur RTO rate 15% hai. Rs 100 discount par kharcha taqreeban Rs 3,900 (discount plus fee) aur bachat taqreeban Rs 2,250: yani taqreeban Rs 1,600 ka nuqsaan. Rs 50 discount par kharcha taqreeban Rs 2,400 aur bachat Rs 2,250: taqreeban barabar. Koi discount nahi, magar prepaid orders ki jaldi dispatch: fee ka kharcha taqreeban Rs 900 aur bachat Rs 2,250.
To agar aap ka return rate kam hai to bara prepaid discount ghaate ka sauda hai. Is ke bajaye aisi cheez dein jo aap ko sasti pare: usi din dispatch, chhota sa free gift, ya sale items par priority. Rupay ka discount sirf un shehron ya products par dein jahan RTO rate zyada hai. Formula yeh maanta hai ke advance dene wala customer warna aap ke average customer jitna hi return karta, jo ek simple andaaza hai.
Formula ke liye aap ko shehar aur product ke hisaab se asal RTO rate chahiye. RabbitROI courier, shehar aur product ke hisaab se return rates dikhata hai, taake aap dekh sakein ke Raast discount kahan apna kharcha khud nikalta hai.
Raast lene ka aap ko kya kharcha hai
SBP ke rules kehte hain ke merchant ko Raast payment karne par customer se koi fee nahi li ja sakti. Banks aur payment companies merchant se munasib fee le sakti hain, aur SBP ne shuru mein ise maaf karne ki hosla afzai ki. SBP circular aur Business Recorder ke mutabiq hukoomat ne Raast P2M QR payments ke liye Rs 3.5 billion ki subsidy manzoor ki, jo banks ko har payment ka 0.5% ya Rs 100, jo kam ho, September 2025 se June 2026 tak di gayi.
Woh subsidy ka waqt khatam ho chuka hai. Hamein is ki extension ka koi public elaan nahi mila, is liye apne bank se likh kar poochein ke ab aap ke account par kya merchant fee lagegi. Dawn ke P2M analysis ke mutabiq yeh fee merchant bharta hai.
Is hafte kya karein, 11.11 se pehle
- Apne business bank account par Raast ID ya merchant QR banwayein. Zyada tar banks mobile number par Raast ID register karne dete hain. Shuru karne se pehle merchant fee likh kar maang lein.
- Raast ka option sirf checkout page par nahi, order confirmation message mein bhi dein. Jab WhatsApp par order confirm karein to kahein: abhi Raast se pay karein aur faida lein, ya COD rakhein. Advance payment kabhi zabardasti na karein.
- Upar wale formula se faida set karein. Shuru mein jaldi dispatch jaisa non-cash faida dein. Rupay ka discount sirf wahan jahan RTO rate zyada hai.
- Customer se kahein ke payment note mein order number likhe, taake aap reconciliation sheet mein har payment ko order se mila sakein.
- Dispatch se pehle har payment apni bank app mein check karein. Screenshot payment nahi hai, aur screenshot nakli bhi ban sakta hai, is liye pehle confirm karein ke paise aa gaye hain.
- Har hafte do numbers track karein: prepaid share (Raast orders ko tamam orders se divide karein) aur RTO rate. Agar prepaid share barhe aur RTO gire to tareeqa kaam kar raha hai.
Aage kya dekhna hai
SBP har quarter payment systems review chhaapta hai. July se September 2026 ki review batayegi ke subsidy ka waqt khatam hone ke baad bhi Raast merchant payments barhti rahin ya nahi. Teen lines dekhein: Raast P2M payments, QR merchants, aur e-commerce payments mein account-based hissa.
Kuch arsa COD hi online stores ko payment ka sab se bara tareeqa rahega. Magar FY26 woh saal hai jab online order jitni raqam Raast se business ko bhejna normal ho gaya. Jo sellers ise abhi aasaan aur mehfooz banayenge, aadat barhne ke saath un ke orders saste aur pakke honge.
Aam sawalat
FY26 mein Pakistan mein kitni Raast payments huin?
SBP ke provisional figures ke mutabiq FY26 mein taqreeban Rs 80 trillion ki 2,755.2 million Raast payments huin, jab ke FY25 mein 1,276.0 million thin. In mein se 182.5 million person-to-merchant payments thin.
Kya online store Raast payment le sakta hai?
Haan. Business apne bank ke zariye Raast ID ya merchant QR register kar ke seedha apne account mein payment le sakta hai. Registration aur merchant fee ke baare mein apne bank se poochein.
Kya Raast par customer ko fee deni parti hai?
Nahi. SBP rules ke mutabiq Raast merchant payments par customer se fee nahi li ja sakti. Bank merchant se fee le sakta hai, is liye apna bank check karein.
Kya COD ke bajaye Raast se payment par discount dena chahiye?
Sirf tab jab aap ka return rate is ki ijazat de. Apne RTO rate ko aane jaane ke shipping kharche se multiply karein aur merchant fee minus karein. Agar nateeja chhota hai to cash discount ke bajaye jaldi dispatch ya chhota gift dein.
Kya Raast Pakistan mein COD ki jagah le lega?
Jaldi nahi. FY26 mein Raast merchant payments taqreeban 37 guna barhin, magar ab bhi tamam Raast payments ka sirf taqreeban 6.6% thin. Zyada tar online shoppers anjaan stores se ab bhi COD hi choose karte hain.
Hawalay
- 24 News: Digital payments reach 92% of retail transactions as volume jumps 65% in FY26 (6 Oct 2026)
- Pakistan Observer: SBP reports strong growth in digital payments during FY26
- TechX: SBP says retail digital payments jumped 58% in FY26
- Pakera: Raast handled 2.76 billion payments in FY26, SBP shows
- SBP: PSPOD Circular No. 03 of 2025 (Raast P2M subsidy)
- SBP: Raast P2M circular (merchant fee rules)
- Business Recorder: Rs3.5bn subsidy approved for Raast Person-to-Merchant QR payments
- Customs Today: SBP launches Raast P2M service
- Dawn: The P2M vs P2P puzzle
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