Raast QR

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Where It Works ​

Raast is the State Bank of Pakistan's instant payment system, and banks and wallets across Pakistan connect to it. Raast QR produces the standard person-to-person QR format, which means it is meant to work anywhere a "Raast" or "Scan QR to pay" option appears.

Banks ​

HBL · UBL · MCB Bank · Meezan Bank · Allied Bank · Bank Alfalah · Bank Al Habib · Askari Bank · Faysal Bank · National Bank of Pakistan · Standard Chartered · HabibMetro · JS Bank · Soneri Bank · BankIslami · Dubai Islamic Bank · Bank of Punjab · Al Baraka

Wallets ​

Easypaisa · JazzCash · NayaPay · Zindigi · HBL Konnect · UPaisa · Alfa

This is not a complete list

App support changes over time and is outside this package's control. If an app has a Raast or scan-to-pay option, generate a code and scan it yourself to confirm.

Always Verify Before Paying ​

The P2P payload carries an account number, an amount and an optional expiry. It carries no account name. The title a payer sees comes from their own banking app, resolved from the IBAN.

That is a good thing for security, but it means the check has to happen at the payer's end. Whatever screen you put a QR on, tell people to confirm the account title in their banking app before they confirm the transfer.

blade
<x-raast-qr :amount="$order->total" />

<p class="text-sm text-gray-600">
    Check the recipient name in your banking app before you pay.
</p>

What This Format Cannot Do ​

A P2P Raast QR sends funds straight to an IBAN. It carries:

  • ❌ No merchant settlement reporting
  • ❌ No refund mechanism
  • ❌ No dispute resolution
  • ❌ No confirmation back to your application

Reconcile against your bank statement exactly as you would with a manual transfer. If your business needs settlement, refunds or disputes, use Raast P2M through an SBP-licensed acquirer instead.


Made with ❤️ from Pakistan