ByteExpress.tech Pvt. Limited delivers a simplified, developer-friendly payment gateway built for e-commerce platforms, startups, and enterprises across Pakistan and beyond.
Our streamlined flow ensures every transaction is fast, secure, and friction-free for both merchants and customers.
Register your business, complete KYC verification, and get your API credentials in under 24 hours.
Integrate using our REST APIs, SDKs, or ready-made plugins for WooCommerce, Shopify, and more.
Customers pay via cards, wallets, bank transfer, or QR code — all on a branded, secure checkout page.
Funds are verified and settled to your bank account on a T+1 cycle with full transaction reporting.
Initiates payment on merchant site
Encrypts, routes and authenticates
Authorization request processed
Visa / Mastercard / UnionPay rails
Funds credited to merchant account
Everything you need to accept payments online — without the complexity.
Bank-grade security with end-to-end encryption, tokenization, and 3D Secure authentication on every transaction.
RESTful APIs with comprehensive documentation, SDKs in PHP, Node.js, Python, and ready-made CMS plugins.
Accept Visa, Mastercard, JazzCash, EasyPaisa, HBL Pay, bank transfers, IBFT, and QR code payments.
Monitor transactions, disputes, settlements, and analytics in real time from one unified merchant panel.
Accept payments in PKR, USD, AED, and more. Automatic currency conversion with competitive FX rates.
Intelligent transaction routing and automatic retry logic to maximize your authorization rates.
Pre-built integrations and plugins so you can go live in hours, not weeks.
We operate with full regulatory compliance and clear, merchant-friendly policies.
We collect only the data necessary to process transactions and provide services — including business registration details, bank account information, and transaction records. We do not sell your data to third parties.
All sensitive data is encrypted using AES-256 at rest and TLS 1.3 in transit. Card data is tokenized and never stored on our servers — we are PCI-DSS Level 1 certified.
Transaction records are retained for 7 years as required by SBP regulations. You may request account deletion at any time, subject to regulatory requirements.
Data is shared only with acquiring banks, card networks, and regulatory bodies (SBP, FBR) as required for transaction processing and compliance.
Merchants can initiate full or partial refunds within 90 days of the original transaction via the merchant dashboard or API. Refunds are typically processed within 5–7 business days to the customer's original payment method.
In the event of a chargeback, ByteExpress notifies the merchant within 24 hours. Merchants have 7 days to submit evidence. Our disputes team will represent the merchant with the acquiring bank.
Original processing fees are non-refundable. No additional fee is charged by ByteExpress for processing a refund. Chargeback fees imposed by card networks (typically Rs. 2,500–5,000) are passed to the merchant.
Merchants must be a registered business in Pakistan with a valid NTN/STRN, active bank account, and must not operate in prohibited business categories (as listed in our Acceptable Use Policy).
Standard settlement is T+1 business day. New merchants are subject to a 7-day rolling reserve of 5% for the first 3 months, which is released after satisfactory performance review.
ByteExpress reserves the right to suspend or terminate accounts with excessive chargebacks (>1%), fraudulent activity, or violation of SBP regulations without prior notice.
All merchants must complete Know Your Customer (KYC) verification including CNIC, business registration, and proof of address before going live. Enhanced due diligence applies to high-risk categories.
We employ automated transaction monitoring systems to detect suspicious patterns. Transactions flagged as unusual may be held for review and reported to NACTA / FMU as required by law.
ByteExpress operates in full compliance with SBP Payment Systems Regulations, PMEX guidelines, and Pakistan's Anti-Money Laundering Act 2010.
Ready to integrate or have questions? Our team of payment experts is here to help you get started.