JazzCash merchant account: registration, charges, Till ID, limit

Five ways to take money with JazzCash

A JazzCash merchant account is the JazzCash Business account. You open it in the JazzCash Business app with your CNIC, it is separate from the mobile account on your SIM, and it costs nothing to open or keep. You pay a cut of each payment you receive: 0.25% on a Raast QR payment and 2% on a bank transfer in, in JazzCash’s schedule for October to December 2026. The payment gateway for a website is a different application, and JazzCash publishes no fees for it.

This table separates the products that searches for “JazzCash merchant account” mix together. Fees are from the JazzCash schedule of charges, Mobilink Microfinance Bank circular 42 of 2026, dated October 1, 2026.

Three cautions on these numbers. Rows marked “incl FED” already include federal excise duty. JazzCash “reserves the right to charge lower or up to the fee mentioned”, so your own rate can sit below these. And the schedule runs only to December 31, 2026. JazzCash issues a new one each quarter, so if the live page shows a newer schedule, use its numbers.

How to open a JazzCash Business account

The account opens inside the app, with no branch visit. JazzCash’s registration page, as archived on July 13, 2026, lists these steps:

1. Download the JazzCash Business app, enter your mobile number and the SMS code.
2. Scan the front and back of your CNIC, then enter the CNIC number and its issue date.
3. Take a live photo and complete biometric verification.
4. Add your business information, enter another code and create an MPIN.
5. Your account is ready, and the Raast QR is generated once you are approved.

Any eligible Pakistani with a valid CNIC who runs a business can apply, and you can hold a personal and a business account on the same CNIC. JazzCash says basic onboarding takes a few minutes and that final approval may depend on verification checks.

Which documents

JazzCash says a valid CNIC is mandatory and that “additional documents may be required depending on business type”. It does not list them. The floor comes from the State Bank’s Consolidated Customer Onboarding Framework. For a sole proprietorship, Annex C asks for a valid ID plus any one of these: a sales tax registration or NTN certificate wherever applicable, proof of membership of a trade body wherever applicable, a declaration of sole proprietorship on business letterhead, or a requisition to open the account on business letterhead.

Keep your CNIC, an NTN and a one-line letterhead declaration ready. The NTN is free on FBR’s portal, and how to register an online business in Pakistan walks through it. For the same steps in Urdu, see our JazzCash Business account guide.

Raast QR and Till ID: which fee applies

The Raast QR is the main thing the Business account gives you. JazzCash says it lets you accept instant payments from any bank app or wallet, credited in real time to your Business account. It needs no hardware, only a printed or on-screen QR. The buyer pays nothing, since the schedule says payments made via Raast QR are free for consumers.

You do not apply for it. The State Bank’s PSP&OD Circular 02 of 2025 tells banks, microfinance banks and wallet companies to deploy at least one acceptance solution, such as a QR code or an e-commerce checkout, when they open an account for someone doing business.

The Till ID is less clear. JazzCash says the Raast QR “also supports Till ID payments, enabling an offline payment option”. It does not say how a Till ID is issued, whether you read it out or display it, or whether you apply for it separately.

The fee is less clear still. The schedule has no row for Till alone, and these are the rows that name Till. The schedule does not say which one covers a customer paying your Till ID, and only JazzCash can.

Before you print a Till number on anything, ask JazzCash in the app chat or on the helpline (8000, or the UAN 111-118-000 on JazzCash’s QR page), and get the answer in writing:

• The fee question: “Which row of your schedule of charges applies to a customer paying my Till ID, and what is deducted per payment?”
• Is a Till ID issued with my Business account, or do I apply for it?
• Where do I see it in the app, and is it a number the buyer types or a code I show?
• Can a buyer pay it from any bank app, or only from JazzCash?

The layout changed recently, which is why old quotes mislead. JazzCash’s schedule for January to March 2026 had one “QR/Till payments” row at 0.25%. The July to September and October to December schedules split it in two. A blog post or an agent quoting “0.25% for QR and Till” may be working from the old layout.

You can also test it. Once you are approved, have someone pay Rs 1,000 to your Till ID, then look at what JazzCash deducted. Rs 2.50 is 0.25%, Rs 7.50 is 0.75% and Rs 25 is 2.5%. A test shows one payment, and JazzCash may charge less than the listed fee, so it does not replace the written answer. Until you have that answer, budget Till payments at the highest row, 2.5%.

For a seller, the QR earns its place on advances. Asking for part of the price up front on a high-value or risky cash on delivery order protects you from a refused parcel, and how to reduce COD returns in Pakistan covers when to ask. Send the QR image, not your account number, for the reason in the example below.

What JazzCash charges, line by line

This is the JazzCash Business (Merchant) Application section of the same schedule, October 1 to December 31, 2026.

The “customer to merchant, 0.75%” row is cheaper than the 2% row for JazzCash accounts, and the schedule has no wording to say how the two differ. Ask JazzCash when each applies, in the same message as the Till question.

If foreign clients pay you, the wallet section of the same schedule lists a 5% merchant discount rate on international payments received through a “pay via link”, under the freelance segment. Ask whether that applies to your Business account.

The Instant Loans row is the one to read twice. JazzCash’s Merchant Lending page, as archived on July 13, 2026, says eligibility is based on your transaction history and JazzCash’s risk assessment, and that late payment penalties may apply. The fee is 1% a day for up to 28 days. Say you borrow Rs 50,000 for stock and repay after 10 days: 10 × 1% × Rs 50,000 = Rs 5,000. Repay on day 28 and it is Rs 14,000, the 28% cap. The schedule does not spell out that the 1% is on the amount borrowed, so ask for the repayment figure in rupees before you accept. Borrow only against stock you expect to sell inside the days you are paying for.

What Rs 100,000 of advances costs

Say a seller collects Rs 100,000 in a month in advances and full payments on WhatsApp. These figures use the rates above, with the tax already inside the “incl FED” rows. Only the way the buyer paid changes between lines. The last line is the worst case if every payment fell in the “up to 2.5%” row.

The gap between the first and third line is Rs 1,750 a month on the same sales. The fix costs nothing: when a buyer asks for your account number, send the QR image instead. The fourth line is Rs 2,250 more than the first, which is why the Till question is worth asking before you promise Till payments to buyers.

Getting the money out is a second, smaller charge. Say you send the Rs 99,750 on to your bank in two transfers, Rs 50,000 and Rs 49,750. The first is inside the free Rs 50,000. The second costs 0.1%, which is Rs 49.75 and below the Rs 200 cap. If the Rs 1.55 processing fee applies to both transfers, that adds Rs 3.10, so about Rs 53 before tax.

Limits and what to ask

JazzCash does not publish a limit for the Business account. It promises “higher limits” as your business grows and says limits apply “per SBP regulations”. The State Bank’s circular gives 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 small merchant, which is a sole proprietor or unregistered partnership, and a registered merchant get limits that the institution sets from turnover and risk. A sole proprietor with a Business account should expect the second kind. Rs 100,000 of advances a month is 5% of the micro merchant ceiling, so the number to find out is the limit JazzCash sets for you.

Before you tell buyers to pay this account, ask JazzCash in writing for:

• The monthly receiving limit and the balance limit on your account.
• The limit on a single payment.
• What raises the limit: an NTN, a shop photo, a few months of activity.
• How long a payment can be held back for checks.

The website payment gateway

The gateway is what lets a buyer pay with JazzCash at the checkout of an online store, and it is not the Business account. JazzCash’s gateway page, as archived on August 7, 2026, describes only the buyer’s side. The buyer chooses JazzCash, enters their JazzCash mobile number and, optionally, the last six digits of their CNIC, then approves with their MPIN. The approval arrives as a USSD prompt or a Payment Request in the app, and the phone must be unlocked. A buyer without a JazzCash account can pay a 12-digit voucher through the app, USSD or a retailer.

JazzCash’s older FAQ for its merchant website, as archived on September 11, 2025, adds what the 2026 page leaves out. It lists three ways to pay: a mobile account, a voucher, or a Visa or Mastercard debit or credit card enabled for e-commerce, with no Amex, JCB or Diners. It tells you to register at payments.jazzcash.com.pk, and to call 4444 from a Jazz number for payment queries. The 2026 page says only “5+ Payment Methods Supported” and names none, so ask JazzCash Business whether cards are still on.

The page gives you no fee, no document list and no settlement time. That is a real difference from Easypaisa, which publishes its gateway rates. Your JazzCash rate will come from the agreement you sign, so put these questions to JazzCash Business in writing:

• The MDR in percent for a JazzCash mobile account payment, for a voucher payment and for a card payment, if cards are supported.
• Whether each rate includes federal excise duty.
• Any setup, annual or integration fee.
• How many days until the money reaches your account, and whether it is daily.
• What a refund or reversal costs, and who pays it.
• Whether it has a plugin for your store software, or only an API.

Payments through a gateway 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. For most small sellers it is a final tax unless you opt out when you file; final tax or adjustable explains the choice.

If a buyer shows a screenshot instead of paying through the gateway, wait until the money shows in your account before you dispatch. The full list of ways to get paid is in how to accept online payments in Pakistan.

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. A JazzCash Business account is still worth opening on any plan, for the advances you collect on WhatsApp and the sales you make in person.

Plan prices are on the pricing page.

Questions sellers ask

How do I open a JazzCash merchant account?

Download the JazzCash Business app, enter your mobile number and the SMS code, scan the front and back of your CNIC, take a live photo and finish biometric verification. Then add your business details, enter another code and set an MPIN. JazzCash says basic onboarding takes a few minutes, and final approval can depend on verification checks. Your Raast QR is generated once you are approved.

What are JazzCash merchant charges?

Opening the account, keeping it and SMS alerts are free in JazzCash’s October to December 2026 schedule of charges. You pay per payment received: 0.25% on a Raast QR payment, 2% on an incoming bank transfer, 1% on Request to Pay, 3% on a pay via link and 2% on Tap on Phone. The QR, bank transfer and Request to Pay rows include federal excise duty, and JazzCash says it may charge less than the listed fee.

What is a JazzCash Till ID, and what does a Till payment cost?

JazzCash says its Raast QR also supports Till ID payments, as an offline way for a buyer to pay your Business account. It does not say how a Till ID is issued, and its schedule has no row for Till alone. Rows that name Till are 0.25%, up to 2.5% and, in the wallet section, 1%. Ask JazzCash which row applies to a customer paying your Till ID and what is deducted per payment, in writing.

What is the JazzCash merchant account limit?

JazzCash publishes no limit figure for the Business account. It promises higher limits as your business grows and says limits follow State Bank regulations. The State Bank’s ceiling for a micro merchant is Rs 2,000,000 a month, counted separately for debit and credit, with a balance of up to Rs 3,000,000. A sole proprietor is a small merchant, whose limits the provider sets from turnover and risk, so ask for the receiving, balance and single-payment limits in writing.

Do I need an NTN to open a JazzCash Business account?

JazzCash only says a valid CNIC is mandatory and that other documents may be needed depending on the business type. For a sole proprietor, the State Bank’s onboarding framework accepts any one of an NTN or sales tax certificate, trade body membership, a sole proprietorship declaration on business letterhead, or an account requisition on letterhead, alongside your ID. An NTN is free to get, so have one ready.

What does the JazzCash payment gateway for a website cost?

JazzCash does not publish a fee, a document list or a settlement time for the website gateway. Its gateway page only describes what the buyer does at checkout, and an older FAQ tells you to register at payments.jazzcash.com.pk. Ask JazzCash Business for its MDR on each payment method, any setup or annual fee, how many days settlement takes and what a refund costs, in writing, before you sign.