Digital Payments

Faysal Bank Digital Payments: Faysal Pay, QR & POS

Tap-to-pay with your phone as a customer, or accept card and QR payments as a business.

Faysal Pay: NFC tap-to-pay
Merchant POS, Gateway & QR
Business account required to accept

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Reviewed: August 21, 2026

Faysal Pay turns an NFC Android phone into a tap-to-pay card for customers, while POS terminals, Payment Gateway, and merchant QR let businesses accept payments.

Faysal Pay: Android + NFC only, no iPhone support
Scan & Pay works through the free Raast QR rail
POS/Gateway/QR all require a Faysal Bank business account
Payment Gateway integrates in 2\u20133 days via ready-made plugins

Faysal Bank's digital payment tools split into two groups: ways you pay with your own phone, and ways a business accepts payments from customers. Both run through the same DigiBank ecosystem, but they solve completely different problems.

For Customers: Faysal Pay (Tap-to-Pay)

Faysal Pay turns an NFC-enabled Android phone into your Faysal card — tap it against any contactless-enabled POS terminal (look for the contactless symbol) and it pays exactly like the physical card linked to it. It's currently Android/NFC-only; there's no iPhone version.

Setting it up

Open Faysal DigiBank on an NFC-enabled Android phone, go to the menu, select "Faysal Pay," and enable it against your card.

Checking a transaction went through

Faysal Pay doesn't show an in-app confirmation instantly — check the POS terminal's own screen for the approval, the same as a physical tap.

Viewing history & managing cards

Go to "Manage Faysal Pay" under Card Management in DigiBank to see your last 10 Faysal Pay transactions, or to disable/remove a card from the feature entirely.

For Customers: Scan & Pay (Raast QR)

Faysal DigiBank also supports Scan and Pay for Raast QR transactions directly from the app — point your camera at a merchant's Raast QR code to pay instantly, without needing NFC or a physical tap. This runs on the same free Raast rail covered on our Raast page, just via QR instead of a linked mobile number.

For Businesses: Accepting Payments

Faysal Bank's merchant-facing payment tools require a business account (commonly opened via the Bakamaal Karobar Account, which can bundle these tools in at account opening):

Faysal Bank POS Terminals

Physical in-store terminals accepting Visa, MasterCard, UnionPay, and PayPak, plus NFC contactless. Free GSM connectivity is included; a Merchant Discount Rate (MDR) fee applies per transaction, varying by business size and risk profile — confirm your specific rate directly with Faysal Bank, since it isn't a flat published figure. Only available to business account holders.

Faysal Payment Gateway (IPG)

For online businesses accepting card payments on their own website. Requires a valid NTN and an FBL business account; integrates via pre-built plugins (React, PHP, .NET, Magento, WooCommerce) typically within 2–3 days. Accepts international cards, supports recurring billing, and gives merchants 300+ customisable reporting fields.

Merchant QR Payments

Lets a business collect payment from customers or vendors via QR code in seconds. Bundled automatically with the Bakamaal Karobar Account — the QR is generated on account opening with no extra documentation needed.

Merchants aren't locked into taking a payment solution at all — a Bakamaal Karobar Account can be opened with none of these tools attached, and added later, or a merchant can pick whichever combination (POS, Gateway, QR) actually fits their business.

Frequently Asked Questions

Does Faysal Bank support tap-to-pay with a phone?

Yes, through Faysal Pay \u2014 an NFC feature inside the Faysal DigiBank app, currently available only on NFC-enabled Android phones, that lets you tap your phone at any contactless POS terminal instead of a physical card.

What does a business need to accept card payments with Faysal Bank?

A Faysal Bank business account, most commonly the Bakamaal Karobar Account. From there a merchant can add POS terminals, the Faysal Payment Gateway for online payments, or merchant QR payments, individually or in combination.

Good For

Setting up Faysal Pay to tap-and-pay with an Android phone
Scanning a Raast QR code to pay instantly from the app
Getting a Faysal Bank POS terminal for a physical store
Integrating the Faysal Payment Gateway into an online store

Want the exact terms for your situation?

Speak to Faysal Bank directly — terms, eligibility, and pricing vary by relationship and are confirmed at application.

Visit Faysal Bank Official Website See FABL Bank Profile