HBL iPayments, also known as HBLPay Checkout, is Habib Bank Limited’s official digital payment gateway solution in Pakistan. In 2025, it is one of the most widely used platforms by online merchants, businesses, institutions, and freelancers for accepting secure payments through debit cards, credit cards, digital wallets, and bank transfers.
What is HBL iPayments?
HBL iPayments is a payment processing solution designed to help merchants in Pakistan accept online payments from customers via:
- Debit/Credit Cards (Visa, MasterCard, UnionPay, PayPak)
- Bank account-to-account transfers
- Digital wallet payments
- QR code and invoicing links
It is PCI-DSS certified and offers 3D Secure protection, ensuring safety and trust for both businesses and buyers.
HBL iPayments Pricing and Setup (2025)
| Fee Type | Amount (PKR) |
|---|---|
| One-Time Setup Fee | Up to Rs. 100,000 (varies) |
| Annual Maintenance | Up to Rs. 100,000 |
| Transaction Charges | Merchant Discount Rate (MDR) – Varies by business type |
| Settlement Timeline | 1 to 2 working days |
Note: Charges may vary depending on your business category, volume, and integration method.
Key Features of HBL iPayments
| Feature | Description |
|---|---|
| Secure Card Payments | Accepts local and international cards with 3D Secure authentication |
| Bank Transfers | OTP-based account-to-account transactions |
| Multicurrency Support | Supports PKR, USD, GBP, EUR, and AED |
| Fraud Management | Device fingerprinting and rules-based risk control |
| Merchant Dashboard | View transactions, manage refunds, and generate reports |
| Tokenization & Recurring | Supports subscription billing and card-on-file payments |
| Invoice & Link Payments | Generate digital invoices and payment links for WhatsApp, SMS, or email |
Integration & Onboarding
| Step | Details |
|---|---|
| Eligibility | Business registration in Pakistan; website or social presence required |
| Integration Methods | Hosted checkout, APIs, SDKs (including Adobe Commerce) |
| Onboarding Time | 5–15 business days for approval, plus 5–7 days for integration |
| CMS Compatibility | Native plugin for Magento; third-party solutions for WordPress |
Who Can Use HBL iPayments?
- E-commerce stores
- Government institutions
- Schools, universities, and NGOs
- Freelancers and service providers
- Social media sellers using digital links
HBL also supports projects like PITB’s PayZen in collaboration with Visa for secure government transactions.
Read More: Digital Transactions Dominate 88% of Retail Payments in Pakistan
Pros and Considerations
Benefits
- Fast settlements (1–2 working days)
- Local support and compliance
- Secure for high-value and low-value transactions
- Ideal for growing e-commerce businesses in Pakistan
Considerations
- Initial setup fees may be high for small businesses
- No official WordPress plugin (requires third-party help)
- Some merchants have reported account blocks due to flagged transactions
Summary Table
| Aspect | Details |
|---|---|
| Platform Name | HBL iPayments (HBLPay Checkout) |
| Developed By | Habib Bank Limited (HBL) |
| Year in Focus | 2025 |
| Payment Methods | Cards, Bank Transfers, Wallets, Invoices |
| Security Compliance | PCI-DSS, 3D Secure, Fraud Monitoring |
| Setup Time | 5–15 Days for Onboarding + Integration |
| Suitable For | E-commerce, Freelancers, Institutions |
Read More: Google Wallet Now Supports HBL Cards for Easy Payments
Conclusion
HBL iPayments in 2025 is a complete digital payment gateway for merchants in Pakistan. With robust security features, multi-currency processing, and fast settlements, it’s a trusted option for businesses of all sizes. Whether you run an online store, accept payments via social platforms, or need recurring billing solutions, HBL’s gateway is reliable and compliant. However, review the fee structure and ensure proper integration to avoid account issues. Stay tuned with Bloom Pakistan
