PayFast vs JazzCash
When comparing PayFast and JazzCash, both support ecommerce businesses in Pakistan. PayFast offers 6 payment methods including Visa, whereas JazzCash offers 3 payment methods.
Quick Verdict
Choose PayFast if you need features like Mastercard. Choose JazzCash if your priority is developer-friendly APIs and specific ecommerce integrations.
Detailed Comparison Table
| Feature | PayFast | JazzCash |
|---|---|---|
| Type | Payment Gateway | Mobile Wallet & Gateway |
| Pricing | Setup fee applies. Per transaction MDR ranges from 2.5% to 3.0% for cards depending on the merchant agreement. | Free setup for basic integrations. 1.5% to 2.5% per transaction depending on the payment source (Wallet vs Card). |
| Settlement | T+2 to T+3 working days directly to the registered merchant bank account. | Real-time or T+1 settlement into the merchant JazzCash account. |
| International Cards | Yes | No |
| Integrations | ||
| Payment Methods |
PayFast Advantages
- Strong coverage of local wallets and bank transfers.
- Regulated SBP payment infrastructure.
- Well-known across the Pakistani market.
JazzCash Advantages
- Focuses on developer-friendly API experiences.
- Optimized checkout flows designed for higher conversion.
- Simple and transparent fee structure.
PayFast Limitations
- Onboarding may take time due to compliance requirements.
- Integration might require technical intervention.
JazzCash Limitations
- May have fewer legacy bank transfer options.
- Requires careful setup for international routing if supported.
Business Suitability
Both PayFast and JazzCash 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, PayFast or JazzCash?
Pricing varies by business volume and agreement. PayFast charges Setup fee applies. Per transaction MDR ranges from 2.5% to 3.0% for cards depending on the merchant agreement. while JazzCash charges Free setup for basic integrations. 1.5% to 2.5% per transaction depending on the payment source (Wallet vs Card).. You should request a custom quote from both.