BuySmart (Private) Limited delivers a simplified, secure, and scalable payment infrastructure for e-commerce businesses and digital platforms across Pakistan — so you can collect payments effortlessly.
BuySmart (Private) Limited is a registered Pakistani company providing next-generation payment aggregation and gateway services. We remove complexity from digital transactions so you can focus on growing your business.
Based in Islamabad, we work directly with e-commerce platforms, retail businesses, and digital service providers to integrate seamless, reliable, and compliant payment flows.
From single integrations to full-scale payment infrastructure — we cover everything your business needs.
A robust, developer-friendly gateway that connects your platform to multiple payment networks through a single API.
Consolidate multiple payment methods under one merchant account — cards, mobile wallets, and bank transfers unified.
Plug-and-play payment modules for all major e-commerce platforms with zero complex configuration.
SDKs for Android and iOS to embed secure payment flows directly in your mobile applications.
Comprehensive dashboards giving you full visibility into transactions, revenue, and chargebacks in real time.
AI-powered risk scoring and rule-based fraud detection to protect both merchants and customers from fraud.
From signup to your first successful payment — simple, fast, transparent.
Submit your business details through our simple onboarding form. We verify and approve accounts promptly.
Use our developer-friendly API, plugins, or SDKs to connect BuySmart to your platform in minutes.
Test in our sandbox environment, validate your integration, and switch to live mode with confidence.
Start accepting debit/credit cards, wallets, and bank transfers from your customers across Pakistan.
Funds are settled directly to your business bank account on agreed clearing cycles, with full reporting.
BuySmart integrates natively with the platforms you already use — no complex migrations needed.
We operate with full transparency. Our policies are designed to protect merchants, customers, and the integrity of every transaction.
BuySmart (Private) Limited is committed to protecting the privacy and personal information of all users, merchants, and partners who interact with our services.
Information We Collect:
How We Use Your Information:
We do not sell, rent, or share your personal information with third parties without your explicit consent, except where required by law or necessary to provide our services.
All data is stored on secure servers with access restricted to authorized personnel only. You may request deletion of your data by contacting us directly.
BuySmart facilitates payment processing between merchants and their customers. The following outlines our refund and chargeback framework:
Merchant Refunds:
Chargebacks:
Fraudulent or disputed transactions will be placed on hold pending investigation. BuySmart reserves the right to deduct chargeback amounts from pending settlements.
By integrating and using BuySmart's payment gateway, merchants agree to the following key terms:
Eligibility:
Merchant Obligations:
Settlement & Fees: Settlement timelines and applicable transaction fees are outlined in the individual Merchant Service Agreement signed during onboarding. BuySmart reserves the right to revise fee structures with 30 days written notice.
BuySmart (Private) Limited operates in full compliance with the Anti-Money Laundering (AML) regulations and guidelines issued by the State Bank of Pakistan (SBP) and the Financial Monitoring Unit (FMU).
KYC Requirements for Merchants:
Transaction Monitoring:
BuySmart has a zero-tolerance policy for money laundering and terrorist financing. Non-compliant accounts will be immediately suspended and reported to the relevant authorities.
The security of payment data is our highest priority. BuySmart employs industry-leading security standards to protect every transaction.
Security Measures:
Access Control:
In the event of a data breach, affected parties will be notified within 72 hours in accordance with applicable regulations. BuySmart maintains a formal Incident Response Plan reviewed annually.
Ready to start accepting payments? Have a question? Our team is here to help.
Thank you! We'll get back to you within 24 hours.