Raast QR code for business in Pakistan: fees, limits and setup

What a Raast QR is and what it costs

A Raast QR is a QR code your bank or wallet issues to your business. Your buyer scans it in any bank app or wallet and pays you, and buyers pay nothing. What you pay depends on who issues it. As of October 20, 2026, JazzCash Business charged 0.25% a payment including federal excise duty, which is Rs 12.50 on a Rs 5,000 order, in Mobilink Microfinance Bank’s schedule of charges for July 1 to September 30, 2026 (circular dated June 30, 2026). UBL’s July–December 2026 schedule lists the same 0.25% for Raast person to merchant, and Bank Alfalah’s Raast P2M page says 0%.

A Raast QR is not a Raast ID. A Raast ID is your mobile number linked to a bank account, so people can pay you by number, and registering one is free. A QR is how a shop takes payment at a stated rate. With only a Raast ID, every sale lands among your personal money, with just the sender’s name to match it to an order.

Pick by situation:

• Fixed prices, online or at a counter: offer a Raast QR from the provider whose rate you can get in writing.
• A custom amount: send a Request to Pay for the customer to approve (1% on JazzCash), not a payment link (3%).
• A large order by plain bank transfer: ask the buyer to pay by Raast, because the older transfer route charges after Rs 25,000 a month at the banks we checked.

What each provider charges

JazzCash publishes the fullest merchant table we could open: the July 1 to September 30, 2026 schedule above. The October–December 2026 one was not on JazzCash’s site on October 20, 2026, so these rates may have changed. All figures include federal excise duty:

Sending money from JazzCash Business to any bank account is free up to Rs 50,000 a month, then 0.1% or Rs 200, whichever is less, plus Rs 1.55 per transaction.

Here is what the other providers publish, as of October 20, 2026:

Why 0.25%? The State Bank’s PSP&OD Circular No. 03 of 2025 set up a Rs 3.5 billion subsidy for Raast P2M QR payments from September 1, 2025 to June 30, 2026, and let providers charge merchants up to 0.25%. JazzCash and UBL publish exactly that cap. We found no notice extending the subsidy, and Pakera found none either on October 12, 2026. Ask your provider in writing for the Raast QR rate from today and the notice it will give before a change.

Tax is separate. Under section 153(2A), a payment intermediary such as a wallet or gateway withholds 1% from a filer and 2% from a non-filer on online sales it pays out, per FBR’s rate card for Finance Act 2026: Rs 50 on a Rs 5,000 order for a filer. For most sellers it is final by default, as our online business tax guide explains. Ask your provider whether it withholds on Raast QR payments.

A Rs 5,000 order, and a Rs 500,000 month

Assumption: 100 orders of Rs 5,000 in a month, which is Rs 500,000, all paid the same way. The rates are JazzCash’s July–September ones above, plus Bank Alfalah’s stated 0%. UBL’s 0.25% gives the same Rs 1,250 as JazzCash.

On JazzCash, the gap between a Raast QR and a payment link is Rs 15,000 − Rs 1,250 = Rs 13,750 a month on the same sales. A seller who moves half of those orders, Rs 250,000, from links to QR saves Rs 250,000 × (3% − 0.25%) = Rs 250,000 × 2.75% = Rs 6,875. Put your real fee into your profit per order with our COD profit calculator.

Raast QR, wallet QR or a plain bank transfer

The same Rs 5,000 order can reach you three ways. “Ask” marks what we could not find.

Sellers miss the last row. The UBL, MCB and Allied schedules list a Raast transfer as free, while a regular interbank transfer from the app is free only up to Rs 25,000 a month. Past that, the buyer pays 0.1% or Rs 200, whichever is lower: Rs 60 on a Rs 60,000 order. Ask large buyers to pay by Raast and to type your order number in the note.

Raast ID: how to register it

A Raast ID links your mobile number to one of your bank accounts, so anyone on Raast can pay you by number instead of an IBAN. HBL’s Raast page, last updated October 20, 2026, and Allied Bank’s guide both say there is no charge for using Raast. Where to tap, by bank:

Allied Bank’s guide allows one Raast ID per bank account, so your number sits with one bank at a time. De-link at the old bank before you move.

A Raast ID is for payments between people. It has no merchant rate, no settlement promise and no order reference. Use it only for a few known buyers, with the order number in the note, and get a merchant QR for strangers.

How to get a Raast QR for your shop

You get a Raast QR from the provider that will hold your sales money, and you apply as a merchant, not as a person. Our guide to business bank accounts lists what banks ask a sole proprietor for. These are the routes we could verify:

• JazzCash Business: its App Store listing says the QR is provided at successful registration, and that you can generate a QR for any amount, send payment requests and refund customers from the app. Its own registration page did not load for us, so read the steps in the app.
• Bank Alfalah: register in the Alfa Business app and upload your documents. Its Raast P2M page says its team onboards sole proprietors, partnerships and companies on request.
• MCB: in the MCB Live app choose “Are You a Merchant”, then the Merchant option, and enter the 15-digit Merchant ID. A static QR is assigned after registration and, per its Raast P2M page, deployed within a few days. Register before the day you need it, as a new merchant waits 2 hours before transacting.
• HBL, UBL and Easypaisa: we found no public steps for a small shop. Ask a branch or the merchant desk for the Raast P2M form, and ask what you pay per payment and when it settles.

Before you print and display it:

1. Ask in writing for the merchant rate from today, the settlement time and the monthly receiving limit.
2. Have someone pay you Rs 100 from another bank’s app, and note how long it takes to show in your merchant app and then in your statement.
3. Print the QR, and send it as an image to buyers who pay from a phone, so they can upload it from the gallery.

A buyer on their phone cannot scan a QR shown on that same phone. Allied Bank’s Raast guide says a payer can upload the QR from the gallery or enter the merchant ID instead. With a static QR the payer types the amount; a dynamic QR fills it in, so ask which you are getting. If a wallet suits you better, see the JazzCash merchant account guide.

Raast transfer limits

The State Bank’s circular letter of March 15, 2022 says a customer’s Raast limit cannot be below Rs 200,000 per transaction, or the limit that applies to the account type. Banks set limits above that by risk profile, so the real cap is your bank’s.

These are what a buyer can send. What you can receive depends on your account: an Asaan account holds up to Rs 3,000,000 (see our business bank account guide), and a wallet has its own limit. If a buyer’s limit is below the order total, they can pay in two transfers matched to one order number.

Confirm the money arrived before you ship

A payment screenshot proves nothing, because anyone can edit one. Lahore police arrested two men who allegedly bought shoes from private factories with fake JazzCash transfer messages (The News, March 10, 2026). TechJuice’s January 2026 scam guide describes Android apps that fake a receipt for a payment of Rs 10,000.

The rules give you something better to check. The State Bank’s March 2022 circular letter says funds are credited within 20 seconds of the receiving bank’s credit advice. Its February 2022 circular says Raast payments are final and irrevocable, banks cannot hold the funds, and the credit advice reaches your registered phone with the other party’s name. So the only proof is a record on your side. Our routine is advice built on those rules, not a State Bank requirement:

1. Open your own bank app, merchant app, SMS or statement, never the buyer’s phone, a forwarded image or a video of their screen.
2. Check three things: the amount equals the order total to the rupee, the time is within a few minutes of when the buyer says they paid, and the sender’s name matches the buyer or the name they gave you.
3. Match on the order number in the note. If it is missing, write the order number against the credit yourself so one payment cannot cover two orders.
4. If the credit is not there, do not ship and do not cancel. Send the message below and hold the order for a day.
5. Only when your own record shows the full amount, mark the order paid and book the courier.

A message for a buyer whose payment has not arrived:

Assalam o alaikum. We have not received Rs 5,000 for order 1043 yet. Please send the name on the account you paid from, the time shown in your banking app and the transaction ID. We will dispatch as soon as the amount shows in our app. If you were debited, your bank can trace the payment with that ID.

And for a short payment:

Assalam o alaikum. We received Rs 3,000 against order 1044, which is Rs 3,200. Please send the remaining Rs 200 to the same QR with the order number in the note, and we will dispatch once it shows.

If you have been cheated, keep the chat, the number and the receipt, and file a complaint at complaint.nccia.gov.pk, the portal TechJuice’s guide points to. Raast cannot be reversed, so you also send refunds yourself, to the buyer’s Raast ID or IBAN, with a reference.

Match payments to orders

Ask buyers to put the order number in the payment note. Then keep one sheet per day with the columns below. The sample rows show the layout, not real orders.

At the end of each day, add the “Amount in my app” column and compare it with your statement total. If they differ, one payment is missing or belongs to another order. If your provider settles at T+1, expect yesterday’s total on today’s statement. Keep COD orders on a separate sheet, since the courier pays those later; see how to open a COD account with each courier. For other options, read our guide to payment gateways in Pakistan.

Where your store fits

A Raast QR comes from your bank or wallet, and you match its payments to orders yourself, as above. On Storelala, Lite is free forever and takes cash on delivery only. Core, at Rs 2,000 a month or Rs 1,000 a month billed yearly, adds JazzCash, Easypaisa and debit or credit cards at checkout. Storelala adds no fees on any plan, so what you pay on a payment is what your provider charges. See pricing.

Questions sellers ask

What is a Raast QR code for business?

It is a QR that a bank or wallet issues to your business so a buyer can scan it in any Raast-enabled bank app or wallet and pay you. The State Bank calls this person-to-merchant, or P2M. The buyer’s payment is instant, but when the money settles into your account depends on your provider: Bank Alfalah’s page says T+1, a day after the sale, while MCB’s page says instant settlement.

How do I register a Raast ID?

Do it in your bank’s app and confirm with an OTP: HBL Mobile has RAAST ID Management, MCB Live has Manage Raast ID, myABL has Manage Your RAAST ID, and Bank Alfalah lets you SMS the word Raast to 8287. It is free. A Raast ID links your mobile number to one account and is meant for payments between people. A shop that wants a merchant rate, a QR and settlement terms needs a merchant QR from its bank or wallet as well.

What is the Raast transfer limit?

Each bank sets its own limit, and the State Bank’s March 2022 circular letter says a customer’s Raast limit cannot be below Rs 200,000 per transaction, or the limit that applies to the account type. MCB lists Rs 500,000 a day, HBL lists Rs 200,000 a day, Bank Alfalah lists Rs 300,000 per transaction on its merchant page, and Allied Bank lists daily limits from Rs 250,000 on a PayPak card to Rs 5,000,000 on a Visa Premium card.

What are the Raast charges for a business?

Payments between people are free. For merchants it depends on the provider. As of October 20, 2026, JazzCash’s schedule of charges for July 1 to September 30, 2026 and UBL’s July to December 2026 schedule both list 0.25% on a Raast QR payment, which is Rs 12.50 on a Rs 5,000 order. Bank Alfalah’s page says 0%, HBL’s schedule says NIL and MCB’s says the rate is set per merchant. JazzCash’s October to December schedule was not on its site, and Easypaisa publishes no rate we could open, so ask both for the current rate in writing.

How do I get a Raast QR for my shop?

Apply to the bank or wallet that will hold your sales money. MCB assigns a static QR after you register as a merchant in MCB Live and deploys it within a few days. Bank Alfalah registers small businesses in its Alfa Business app, and JazzCash Business provides the QR when your registration succeeds. Before you print it, ask what you pay per payment and when the money settles into your account.

Can someone fake or reverse a Raast payment?

A screenshot proves nothing, and fake JazzCash payment messages led to arrests in Lahore in March 2026. A real payment cannot be pulled back: the State Bank’s rules make Raast transactions final and irrevocable, and the credit lands within 20 seconds of the receiving bank’s credit advice, which shows the sender’s name. If your own app, SMS or statement does not show the money, treat the order as unpaid and do not ship. A payment sent by mistake only comes back if the receiver sends it back.