Easypaisa business account: registration, limit, QR, charges

What an Easypaisa business account is

Easypaisa does not sell one product called a business account. For a small seller, the business account is the merchant upgrade of your Easypaisa account: a short KYC form, a QR for your buyers and a monthly limit that its page puts at Rs 500,000. The separate Easypaisa online payment gateway is what lets buyers pay at your website checkout. Easypaisa publishes the gateway’s rates (1% and 2%) but not the QR fee, which is the opposite of JazzCash, where the Raast QR fee is public and the gateway fee is not.

Easypaisa’s menu also lists a Tajir Current Account and a corporate account, and we found no published terms for either. For a registered company or a full current account, ask Easypaisa for the documents, limits and charges first. Everything below is for the merchant upgrade and the gateway. Schedule fees are per Easypaisa’s schedule of charges for April to June 2026, the newest we could open as of October 2026. Its site blocked our automated checks, so a later schedule may exist. Open the Schedule of Charges link in its site footer and confirm the current one before you rely on a fee.

How to become an Easypaisa merchant

The merchant page, as archived on January 13, 2026, calls it a digital, automated and instant onboarding that takes “2–3 minutes” for an individual or sole proprietor. The steps:

1. Choose Become easypaisa Merchant.
2. Accept and continue.
3. Fill in the complete KYC form and submit it.
4. You are upgraded to merchant, with a QR available straight away.
5. Open the dashboard to see your payments and history.

The steps read as an upgrade of an Easypaisa account you already have, so open or verify that first. The page also lists a payment link, a dashboard and a reversal feature among the benefits, with no fee for any of them.

A QR for your shop

The QR is the part most small sellers want. Easypaisa’s October 2021 launch release, as published by ProPakistani, says the QR appears on the screen as soon as you enter your merchant details. You can also generate a dynamic QR, save either one to your gallery, or print it and put it on the counter. Payments are settled into the merchant account instantly.

The same release says customers must have the Easypaisa app to scan the QR. Easypaisa’s current pages do not say whether it is a Raast QR, the kind that accepts payment from any bank app or wallet, so do not assume it is. Before you print a counter stand or a parcel sticker, have a friend scan your QR from a bank app, not from Easypaisa. If the payment fails, tell buyers to pay from the Easypaisa app, or use the QR of an account that takes every bank app.

Which documents

Easypaisa says “minimum KYC” and lists no documents. Annex C of the State Bank’s Consolidated Customer Onboarding Framework sets the floor for a sole proprietorship: a valid ID plus any one of an NTN or sales tax certificate, proof of trade body membership, a sole proprietorship declaration on business letterhead, or an account requisition on business letterhead. Keep your CNIC, your NTN and a signed letterhead declaration ready. How to register an online business in Pakistan covers the free NTN.

The Rs 500,000 limit

Easypaisa’s merchant page promises Rs 500,000 in monthly receiving and sending limits, and repeats the figure as an enhanced account limit. It goes back to the October 2021 launch release, which says digital merchants can handle payments of up to Rs 500,000 a month. A further line pairs it with a lower figure and does not say what that figure limits, so we do not quote it. The page was last modified in June 2023. Easypaisa’s merchant terms, as archived on April 24, 2026, say the limit follows State Bank rules and that the bank may change it at any time without notice. Read Rs 500,000 as what the page promises, not as a guarantee.

If it is a limit on receiving alone, orders of Rs 3,000 use Rs 498,000 with the 166th and the 167th goes over (Rs 500,000 ÷ Rs 3,000 = 166.7). If sending counts against the same limit, you reach it sooner. The State Bank’s circular on merchant accounts sets the outer edge: a micro merchant, a natural person with an Asaan Account, wallet or regular account, can have monthly transactions of up to Rs 2,000,000, counted separately for debit and credit, and a balance of up to Rs 3,000,000. A sole proprietor is a small merchant, whose limits the institution sets from turnover and risk. Ask Easypaisa:

• Is the Rs 500,000 a single combined limit, or one for receiving and one for sending?
• What does the second, lower figure in the page’s limits line mean?
• What is the balance limit on the account?
• Will I be treated as a micro merchant or a small merchant?
• What do I send to raise the limit, and how long does it take?

Then set a rule. When your monthly total on the dashboard passes Rs 350,000, which is 70% of Rs 500,000, ask for a raise that day. Easypaisa does not say what happens to a payment that arrives over the limit.

What Easypaisa charges

Easypaisa’s schedule of bank charges for branchless banking, April to June 2026, has no merchant section and no merchant discount rate. For the payer, Retail Payment (Till and QR) and Online Payments are free. The schedule does not say what the merchant pays per QR payment, and the merchant terms say only that the bank may charge a service fee “at its own discretion”. So the QR fee is a question for Easypaisa, not a number:

Ask Easypaisa, in writing: “What fee is deducted from each payment my merchant QR receives, and does it include tax?” Do not promise buyers a QR payment until you have the answer.

Every fee below is per Easypaisa’s April to June 2026 schedule; confirm the current one. The schedule lists no fee for the merchant upgrade itself, but it charges Rs 99 for biometric verification from Level 0 to Level 1 and Rs 75 to upgrade a Level 1 account to an Asaan Digital Account, so a fresh account can cost something before you start.

The two “pull money in” rows are for moving your own money from a linked bank account or card into the wallet, not for what a buyer pays. The schedule says government taxes and duties are recovered from the customer on top of the listed charges, so treat the “excluding tax” rows, such as the 0.5% on deposits, as having tax added. It also says cash deposit and withdrawal at Easypaisa branches are free for digital accounts, so by our reading the 0.5% and the withdrawal slab apply elsewhere.

Moving money out is where the Rs 25,000 line matters. Say a month of sales leaves Rs 100,000 in the account and you send it to your bank in one transfer. By our reading of the two rows, the fee is at most 0.1%, which is Rs 100, below the Rs 200 cap. The 1-Link fee at 0.02% adds Rs 20, so no more than Rs 120 before tax. Cashing the same Rs 100,000 out in Rs 10,000 withdrawals costs 10 × Rs 180 = Rs 1,800 under the slab, so send it to the bank instead.

The schedule also lists Merchant Cash Loans, and does not say who qualifies, so ask whether your account does. In the app the charge is 4% a week for users in the top buckets and 5% a week for other users, on the outstanding principal, for up to 8 weeks. By USSD it is a flat 16% or 20% for 30 days, with a 5% late fee after 2 days of grace. On Rs 50,000 for 4 weeks, that is Rs 8,000 to Rs 10,000 either way. At the 8-week maximum in the app it is Rs 16,000 to Rs 20,000. The same Rs 50,000 for 28 days at JazzCash’s 1% a day is Rs 14,000. The schedule says the mark-up for unused days is charged back as an early repayment fee, so by our reading repaying early does not cut the cost. Ask for the rupee figure before you accept.

The online payment gateway

The gateway is for a business with a live website or mobile app, and it is a separate application from the QR merchant account. The April to June 2026 schedule does not list it. Its charges come from Easypaisa’s gateway page, as archived on March 2, 2026, inclusive of taxes, with no annual or installation fee. Confirm them with Easypaisa before you sign.

Those two modes are the only ones the page lists, which it calls “both payment methods”. ProPakistani’s 2015 article on Easypay lists 3% for Visa and Mastercard cards, and that line still turns up in search results. Do not plan around a card rate you cannot find on Easypaisa’s own page. Ask whether cards are offered today, and use another provider if you need them. How to accept online payments in Pakistan compares them. On 100 orders of Rs 3,000 in a month, all by mobile account, the fee is Rs 3,000 on Rs 300,000.

Gateway payments also have income tax withheld under section 153(2A), at 1% of the gross amount for filers and 2% for non-filers, per the FBR withholding tax rates card under Finance Act 2026. Take Rs 100,000 of mobile account payments in a month. The fee is Rs 100,000 × 1% = Rs 1,000. If Easypaisa withholds the tax at settlement, a filer loses another Rs 1,000 and a non-filer Rs 2,000, so a filer’s settlement can be as low as Rs 100,000 − Rs 1,000 − Rs 1,000 = Rs 98,000. For most small sellers that tax is final, so count it as a cost unless you opt out when you file; final tax or adjustable explains the choice. Ask Easypaisa whether the settlement figure is net of it, and keep the withholding statements.

Signing up takes four steps: an online application with documents on the merchant portal, KYC and due diligence, integration, then go live. Easypaisa lists plugins for WordPress and WooCommerce, Opencart, Magento and Prestashop, and a merchant portal for transactions, settlements and reversals, but not the documents. Call 62632 or write to [email protected], and ask for the document list first.

JazzCash and Easypaisa side by side

JazzCash figures are from its schedule for October to December 2026 (circular 42 of 2026) and pages archived in July and August 2026. Easypaisa figures are per its April to June 2026 schedule and pages archived in January and March 2026; confirm the current one. “Not published” means we looked and did not find it.

Which to open first depends on how you take money today:

• Advances on WhatsApp or in person: JazzCash first. Its Raast QR is 0.25%, Rs 250 on Rs 100,000, and takes payment from any bank app. Ask about Till before you use it.
• A website checkout where a published rate matters: Easypaisa, which prints 1% on a mobile account payment. JazzCash prints none.
• Card payments at checkout: neither lists them on its 2026 gateway page, so ask both, or use a provider that does.
• A loan for stock: ask each for the rupee cost of your amount. Their schedules count the days differently, and Easypaisa’s mark-up on early repayment is not refunded by our reading.

Most sellers end up with both, because buyers pay from whichever wallet they have. The JazzCash side, with a worked example, is in our JazzCash merchant account guide, and how to reduce COD returns in Pakistan covers when to ask for an advance.

Where your store fits

On Storelala, Core (Rs 2,000 a month, or Rs 1,000 a month billed yearly) and Grow (Rs 4,000 a month, or Rs 2,000 a month billed yearly) give your buyer JazzCash, Easypaisa and card checkout, and Storelala takes no fees of its own. Lite is free forever and takes cash on delivery only. An Easypaisa merchant account is still useful on any plan for advances and in-person sales. Plans are on the pricing page.

Questions sellers ask

How do I open an Easypaisa business account?

Easypaisa’s route is the merchant upgrade. On Easypaisa’s merchant page, choose Become easypaisa Merchant, accept the terms, fill in the full KYC form and submit it. Easypaisa says the upgrade is automatic and takes 2 to 3 minutes, and that you can then see a transaction dashboard. The page is for individuals and sole proprietors running a small business.

What is the Easypaisa business account limit?

Easypaisa’s merchant page promises Rs 500,000 in monthly receiving and sending limits. The figure goes back to Easypaisa’s October 2021 launch release, which says up to Rs 500,000 a month, and the page was last modified in June 2023. A further line pairs it with a lower figure and does not say what that figure limits, so we do not quote it. Easypaisa’s merchant terms let the bank change your limit at any time without notice, so ask for each limit, and the balance limit, in writing. The State Bank’s ceiling for a micro merchant is Rs 2,000,000 a month.

Does Easypaisa have a QR for a shop, and what does it cost?

Yes. The QR is generated when you become an Easypaisa merchant, and Easypaisa’s 2021 launch release says you can also generate a dynamic QR, save the image or print it for your counter. The payer pays nothing, since the April to June 2026 schedule of charges lists Retail Payment (Till and QR) as free. The fee you pay per QR payment is not published, and the merchant terms leave it to the bank’s discretion. Ask in writing: what fee is deducted from each payment my merchant QR receives, and does it include tax? The 2021 release says buyers need the Easypaisa app to scan the QR, so test it with a bank app before you print it.

How much does the Easypaisa payment gateway cost?

Easypaisa’s gateway page publishes it, as archived in March 2026: 1% for an Easypaisa mobile account payment and 2% for an OTC token paid at an Easypaisa shop, both inclusive of taxes. There are no annual or installation charges. Settlement is daily and instant for the mobile account and 7 working days for the OTC token. The page lists only those two modes, so a card rate you see elsewhere, such as the 3% in 2015 coverage, is not on the 2026 page. Income tax is also withheld on gateway payments under section 153(2A), at 1% for filers and 2% for non-filers, and for most small sellers it is a final tax unless they opt out when filing.

What documents does Easypaisa need for a merchant account?

Easypaisa’s merchant page says minimum KYC and asks for a complete KYC form, but it lists no documents. For the gateway, you upload documents on its portal, and those are not listed either. For a sole proprietor, the State Bank’s onboarding rules accept your ID plus an NTN certificate, trade body membership, or a sole proprietorship declaration on business letterhead, so have those ready.

Is Easypaisa or JazzCash better for a business?

Neither wins everywhere. JazzCash publishes a Raast QR fee of 0.25% but no gateway fee, and it does not say which fee a Till payment falls in. Easypaisa publishes a gateway fee, 1% on mobile account payments, but no QR fee, only a clause that lets the bank charge one at its discretion. For advances on WhatsApp, JazzCash tells you the Raast QR cost first. For a website checkout, Easypaisa is the one that prints a rate. Many sellers open both, since their buyers use both.