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