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ApnaPay
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Grow your business with ApnaPay.

Get paid by QR, earn as an ApnaPay agent, or pay your staff and suppliers in one go. Simple tools for every size of business in Pakistan.

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Sample merchant QR code

Al Makkah Mart

Pay with ApnaPay or any Raast app

+ Rs 450 receivedfrom Tariq M. just now
Today's salesRs 38,600 · 64 payments
Accept payments

Get paid by QR. No machine needed.

Put your ApnaPay QR on the counter. Customers scan it with their phone and pay. The money lands in your ApnaPay wallet right away.

  • Free to start. No machine to buy, no monthly rent.
  • Instant money. Every payment shows in your wallet in seconds, with a sound alert.
  • No change problems. Customers pay the exact amount, every time.
  • Move to your bank any time. Send your sales to any bank account in Pakistan.
Get your shop QR
Become an agent

Turn your shop into an ApnaPay point.

Join the ApnaPay agent network with Al Makkah Telecom. Serve your neighbours and earn a commission on every transaction you do.

Earn on every service

Get paid for cash in, cash out, CNIC cash pickup, bill payments and mobile load.

More customers

People come to your shop to add cash and pay bills, and they buy more while they are there.

Branding and training

We give you ApnaPay signs, a QR stand and simple training to get you started.

Agent support

A dedicated helpline for agents, so you are never stuck with a customer waiting.

What you need

  • A valid CNIC and a registered mobile number
  • A shop or business place with a fixed address
  • An Android phone or smartphone with internet
  • Some starting balance for cash in and cash out

How it works

  1. Apply onlineFill in the form below. It takes two minutes.
  2. We visit your shopOur team checks your documents and sets up your agent account.
  3. Start earningPut up your ApnaPay sign and start serving customers.
Bulk payments

Pay your whole team in one go.

Send salaries, wages and supplier payments to many ApnaPay wallets and bank accounts at once. Upload one list, approve it and you are done.

Talk to our team
  • Upload one listNames, numbers and amounts in a simple sheet.
  • Approve with a second personTwo step approval for safe payouts.
  • Get a full reportSee who was paid, when and how much.
Contact sales

Let us help your business grow.

Tell us a little about your business and what you need. Our team will call you within 2 working days.

Business enquiry

We reply to every message.

Your details are safe with us and used only to contact you.

Thank you. Our team will call you within 2 working days.
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