Safepay vs PayFast
When comparing Safepay and PayFast, both support ecommerce businesses in Pakistan. Safepay offers 4 payment methods including Visa, whereas PayFast offers 6 payment methods.
Quick Verdict
Choose Safepay if you need features like Mastercard. Choose PayFast if your priority is developer-friendly APIs and specific ecommerce integrations.
Detailed Comparison Table
| Feature | Safepay | PayFast |
|---|---|---|
| Type | Payment Gateway | Payment Gateway |
| Pricing | No setup fee. ~2.85% + PKR 30 per transaction for domestic cards. | Setup fee applies. Per transaction MDR ranges from 2.5% to 3.0% for cards depending on the merchant agreement. |
| Settlement | T+2 rolling settlement to local bank accounts. | T+2 to T+3 working days directly to the registered merchant bank account. |
| International Cards | Yes | Yes |
| Integrations | ||
| Payment Methods |
Safepay Advantages
- Strong coverage of local wallets and bank transfers.
- Regulated SBP payment infrastructure.
- Well-known across the Pakistani market.
PayFast 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.
PayFast Limitations
- May have fewer legacy bank transfer options.
- Requires careful setup for international routing if supported.
Business Suitability
Both Safepay and PayFast 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 PayFast?
Pricing varies by business volume and agreement. Safepay charges No setup fee. ~2.85% + PKR 30 per transaction for domestic cards. while PayFast charges Setup fee applies. Per transaction MDR ranges from 2.5% to 3.0% for cards depending on the merchant agreement.. You should request a custom quote from both.