Frequently Asked Questions

We're here to help

About APPS

What is APPS?
Avanza Premier Payment Services (APPS) is a fintech in Pakistan which allows businesses to accept and process digital payments through its diverse range of products. APPS gives you a platform to accept payments from numerous banks, scheme cards and mobile wallets.
What is Payfast?
Payfast is a flagship payment gateway solution; it offers a safe and secure checkout page to accept payments digitally from the customers through payment options like Debit/Credit Cards (powered by International Payment Schemes), Mobile Wallets and Account Numbers. It will be integrated directly with our clients’ websites to allow smooth transaction placements
How is Payfast better?
We strive to provide a user-friendly checkout interface and experience, offer 24x7 support and easy to integrate methods. We make life easier for your customers; this may enhance the loyalty of your customers.
How can I make a payment?
You can make payment through your account, card or mobile wallet.
Where can I see the list of Partner Banks?

list of partner banks continues to grow day by day. To see the full list please click here 

Where can I see the list of Merchants?

An ever growing list of merchants can be viewed by clicking here 


How can I make transactions using Payfast?
  • Account-based transaction: 
  • You can make payment by entering account number, CNIC and Onetime Password (sent on your registered number by your bank)
  • Card based Transactions:
  • You can make payment by using your Visa/Master/Union Pay card. You need to enter card credentials to complete the transaction
  • Mobile Wallet: 
  • Mobile Wallet: you can make payment by entering wallet number and email id. Transaction will be completed after verification on registered mobile number/wallet.

Getting Started

How can I start using Payfast?

You can contact us via email address info@apps.net.pk or social media platform. Our merchant alliances team will contact you for on boarding.
Facebook profile: Click Here
LinkedIn Profile: Click Here

Do you offer any payment solution for those who don’t have websites/APP.

Our dynamic invoicing platform can cater the need of those who don’t have website/mobile app. For details, please call us at +92 21 37132793 or email us at info@apps.net.pk​

Product Details

Does Payfast have the provision to accept payment through multiple instruments?

Yes, Payfast allows merchants to accept payment through multiple instruments i.e account number, mobile wallets and debit /credit cards (powered by Visa/MasterCard and UnionPay).

What if I only want to accept payment through particular payment instrument(s)?

Payfast allows you to choose the desired payment instrument which you would like to incorporate.

Is the Merchant Discount Rate (MDR) uniformed for all payment instrument?

We offer customized MDR that may vary with respect to payment instrument, for more information, contact us via email: support@apps.net.pk, or call us at +9221-37132793.

Which integration methods are being supported by Payfast?

Payfast offers a wide array of integration method such as APIs, plugin and redirections. For more details, please click here.

Does PayFast offer any solution to collect subscription/recurring Fee from my customers?

With our Digital Payment Links/Recurring Invoice solution, you can automate the subscription/recurring fees payment; it allows you to send a payment link via SMS or email to your customer and enable them to pay the fee by using account number, debit/credit cards or mobile wallet.

Dashboard Overview

What is the Payfast Dashboard?

Payfast Dashboard is an interface for merchants; it provides all information about the activity on your account. This includes history of transactions,reports and refunds.

Payments

How can I check the status of my transactions/order?

As a payment gateway, we send an email intimation to all our merchants upon successful transactions. For status of the order, consumer may contact to the merchant directly.

What if Í don’t receive a payment confirmation email from APPS?

You can call us at +92 21 37132793 email us at complaint@apps.net.pk

What to do if I do not recognize the transaction that I’ve been charged for?

You can call us at +92 21 37132793 email us at complaint@apps.net.pk

How do I get a refund for a duplicate transaction towards the same order/service?

We are a payment gateway and only facilitate the merchant with online payments. We request you to contact the merchant with the transaction details for a refund.

I made a payment and it failed, but the money got debited?

If you have not received a mail confirmation and the payment has failed, the amount will be auto-refunded to you within 7 days (from the transaction date). If you don’t receive the refund credit in 7 days, please provide the below details by raising a complaint here and we will get back to you at the earliest.

How can I check the status of my transaction/order?

As a payment gateway, we send an email intimation to all our merchants upon successful transactions. For the status of order, consumer may contact to the merchant directly.

What if I don’t receive a payment confirmation email from APPS?

You can call us at +92 21 37132793 or email us at complaint@apps.net.pk

Settlements

What are settlements?

Settlement is the amount you receive for the transaction made by consumer for a particular product/service in given period. The complete process takes a time of 2-3 working days (T+2/3), T denotes the date of transaction. 

What is the settlement cycle you offer?
Please note that our standard settlement cycle is 2-3 working days (T+2/3), T denotes the date of transaction. Payment will be disbursed to the merchant according to the mode of payment (i.e Funds Transfer into given account or Payorder). Kindly note that working days do not include Saturday, Sunday and gazetted/bank holidays.
How do I collect the payments made by the customer? Is it a manual process?
This process of settlement is not manually. The payment made by the consumers will be disbursed as per mode of payment (i.e Funds Transfer into given account or Payorder) selected at the time of on boarding.
How to reconcile settlements along with the transactions made?
APPS Dashboard provides report to help you with reconciliations. You may download the transaction details report from the dashboard for a specific range of dates. The report contains all transactions details including amount, transaction ID and Date & Time.

Pricing

What are the charges involved? Do you charge any set-up fee?

Our pricing strategy is very simple and transparent:

  • • No annual or subscription fee
  • • No setup charges or maintenance fee
  • • Minimum Merchant Discount Rate (MDR) 

You can check out are pricing by clicking here

Is there any possibility to negotiate the price?
You can write an email to us at info@apps.net.pk and our merchant alliance team will contact you to discuss the same.

Reports

How can our merchants keep track of their transactions?

We offer transaction reports through our dashboard that can be exported in multiple formats. The report can be downloaded according to your desired frequency such as daily, weekly or monthly.

Dispute Resolution

Does APPS offer support to resolve a pending dispute between customer and merchant?

It is our duty to make efforts to resolve the issues faced by our customers, it is our aim to ensure that our customers make purchase with confidence every time they initiate a transaction via APPS and we are always willing to resolve problems. 

 

In order to resolve the dispute effectively and efficiently, it is recommended that customers initiate direct communication with the merchant to resolve issues. However, if the merchant is non-responsive to emails or phone calls, then APPS will take up the matter to resolve the dispute.

When should a customer file a complaint regarding the non-receipt of an order?

It is suggested that you should wait for 5-7 working days for goods/services (except food items) to be delivered before registering a complaint. If you do not receive the services/goods even after the aforementioned time is lapsed then you may register a complaint.

How could I file a complaint regarding the non-receipt of an order?

You may contact us by calling at +92 21 37132793 or write us an email at complaint@apps.net.pk, you are required to provide us the following details:

• Transaction Date

• Account number/CNIC/Card number

• Transaction Amount

• Description of the problem

• Cancellation of Orders/Refunds/Returns

It may please be noted that all requests relating to the cancellation/return of orders should be sent to the merchant as it is beyond the scope of the payment gateway to handle cancellation or return

Fraud

What is a fraudulent transaction?

A fraudulent transaction is a transaction that is not authorized by the account or cardholder.

How do I report potential fraud or unauthorized transactions to APPS?

If a transaction comes into your knowledge that is not authorised by you, immediately notify this transaction to your bank to apps via call at +92 21 37132793

Chargebacks

What is a chargeback?

Chargeback is a return of funds against a particular transaction to the account/ cardholder (consumer), once the consumer files a complaint, the issuing bank forward the complaint, to APPS for onward processing

How can I raise the chargeback request?

If you don’t receive the goods/services ordered within Turn Around Time mentioned on the website then you may lodge charge back request by contacting to your bank or alternatively by calling us at +92 21 37132793 or write an email to us at complaints@apps.net.pk

How can our merchants keep track of their transactions?

We offer transaction reports that are available in dashboard, the reports can be exported in CSV format. The report can be downloaded according to your desired frequency such as daily, weekly or monthly.

How can our merchants keep track of their transactions?

If you don’t receive the goods/services ordered within Turn Around Time mentioned on the website then you may lodge charge back request by contacting to your bank or alternatively by calling us at +92 21 37132793 or write an email to us at complaints@apps.net.pk

Integrations

How do I integrate with PayFast?

The integration guide is attached herewith for your reference. Please review it and follow the instruction for implementation the same in your code. For support, please send us email at info@apps.net.pk 

Where can I find the API references?

You can check the same here.

How do I get my secret key?

Upon completion of the merchant onboarding process, Secret keys can be acquired from the merchant’s email address and are visible only at the time of generation. In case you have lost your key, you can regenerate it and replace it in your integration code.

The platform I am integrating with is not listed on your webpage. Can I still integrate?

Yes, It’s possible APPS will provide some customized documents for integration. 

Cyber Crime

What is the process for reporting a fraud/cyber-crime?

We make every effort to handle any fraud/cyber-crime pertain to our gateway, if you suspect or identify any, Please immediately call us at +92 21 37132793 or email us on info@apps.net.pk with the subject “fraud/cybercrime”

Prospect

I have a business registered outside Pakistan. Can I use payfast to accept payments?

We are planning to launch our service for the merchants who reside abroad. Unfortunately, we only support businesses registered in Pakistan at this point of time.

I have a registered business and would like to signup with Payfast. How to do that?

You can contact us via email (info@apps.net.pk) or call us at +92 21 37132793. 

Do you support cryptocurrency business models?

No. As per State bank of Pakistan regulation, we do not support any kind of payments for crypto businesses.

Do you support unregistered businesses?

Yes, we do support individuals/unregistered business entities. You can sign up here and submit your activation form.

Marketing and Events

Does APPS participate in conference/seminar and other event as sponsor?

We always consider the feasibility of the event, if it is found appropriate then take part as sponsor; you can send us all your event details at marketing@apps.net.pk

Job opportunities

What is the process to apply for a job?

We aim to be preferred employer offering equal opportunities; you can send us your CV at careers@apps.net.pk for future consideration.

Support

How do you support your customer/merchant?

Our dedicated support staff is working tirelessly to resolve all your concerns and queries. In order to lodge a complaint, you can email us at complaints@apps.net.pk

Miscellaneous

Does Payfast offer digital wallet service?

PayFast is a payment gateway and facilitate merchants/consumer with ecommerce and mcommerce payments.

Does the portfolio of PayFast includes P2P transaction?

At the moment, we only offer C2B payments; however, it is in our roadmap to include P2P transactions.

How to report system malfunctioning or error?

We can be contacted via

Email:  support@apps.net.pk

Phone: +92 21 37132793