NIFT ePay vs Safepay
When comparing NIFT ePay and Safepay, both support ecommerce businesses in Pakistan. NIFT ePay offers 4 payment methods including Bank Transfer (A2A), whereas Safepay offers 4 payment methods.
Quick Verdict
Choose NIFT ePay if you need features like Visa. Choose Safepay if your priority is developer-friendly APIs and specific ecommerce integrations.
Detailed Comparison Table
| Feature | NIFT ePay | Safepay |
|---|---|---|
| Type | Payment Aggregator | Payment Gateway |
| Pricing | Custom pricing based on transaction volume and business scale. Typically competitive for direct bank transfers. | No setup fee. ~2.85% + PKR 30 per transaction for domestic cards. |
| Settlement | T+1 or T+2 settlement into corporate accounts. | T+2 rolling settlement to local bank accounts. |
| International Cards | No | Yes |
| Integrations | ||
| Payment Methods |
NIFT ePay Advantages
- Strong coverage of local wallets and bank transfers.
- Regulated SBP payment infrastructure.
- Well-known across the Pakistani market.
Safepay Advantages
- Focuses on developer-friendly API experiences.
- Optimized checkout flows designed for higher conversion.
- Simple and transparent fee structure.
NIFT ePay Limitations
- Onboarding may take time due to compliance requirements.
- Integration might require technical intervention.
Safepay Limitations
- May have fewer legacy bank transfer options.
- Requires careful setup for international routing if supported.
Business Suitability
Both NIFT ePay and Safepay are suitable for registered businesses in Pakistan. If your customer base leans heavily towards mobile wallets, verify the direct coverage offered by each. For pure credit card volume, evaluate the MDR (Merchant Discount Rate) against your average order value.
Frequently Asked Questions
Which is cheaper, NIFT ePay or Safepay?
Pricing varies by business volume and agreement. NIFT ePay charges Custom pricing based on transaction volume and business scale. Typically competitive for direct bank transfers. while Safepay charges No setup fee. ~2.85% + PKR 30 per transaction for domestic cards.. You should request a custom quote from both.