NayaPay
NayaPay: A Pakistan-focused wallet for transfers, remittances, cards and everyday payments. Ranked #65 of 81 in Money Transfer Apps by our editors (5.3/10); pricing: Free plan; best for pakistan users needing wallet and remittance access.
At a glance
- Editor score5.3 / 10
- PricingFree plan
- Best forPakistan users needing wallet and remittance access
- Free planYes
- Transfer speedInstant
- Facts checked22 Sep 2026
Where it wins
- Free wallet access with transfers to users and bank accounts
- Receives international remittances through an IBAN
- Cards, bill payments, top-ups and instant notifications in one app
Where it doesn't
- International remittance support focuses on receiving funds
- Transaction-specific charges apply under the Schedule of Charges
- Scheduling for transfers is not part of the listed feature set
Our verdict on NayaPay
NayaPay is a Pakistan-focused digital payments app for sending and receiving money, managing a wallet and handling everyday spending. It supports transfers to other NayaPay users and bank accounts, wallet loading through linked or external bank accounts, international remittance receipt through an IBAN, bill payments, mobile top-ups and merchant payments. Visa virtual and physical debit cards extend the service beyond transfers, while transaction history, digital receipts and instant notifications help users follow account activity. It is a fit for solo users and small or mid-market teams seeking a mobile wallet with payment and card functions in one place.
Pricing is freemium, with a free plan and free account access. Advertised free transfers sit alongside transaction-specific charges in the current Schedule of Charges, so the applicable fee depends on the transaction. NayaPay is available on iOS and Android, with cloud and mobile deployment. Its ecosystem includes Payoneer, Western Union, Wise, Remitly, RIA, ACE and Raast, and the listed integration count is 70. The app also provides email, chat, phone and documentation support, with 24/7 support available.
Security and account controls are a notable part of the product: the listed compliance standards include SOC 2, ISO 27001 and PCI DSS, while card controls and payment authentication add control over card use. NayaPay is authorised and regulated by the State Bank of Pakistan. Choose it if you need a Pakistan wallet that combines bank and wallet transfers, remittance receipt, cards and daily payments. Consider an alternative if your priority is broad outbound international transfers or scheduled payments, since those capabilities are not part of the listed offering.
Your product? Our editors can test NayaPay in depth and publish a review, labelled as paid · from $149/mo →
NayaPay pricing
NayaPay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Recipient methods | Not verified |
| Transfer speed | Instant |
| Exchange-rate model | Not verified |
| Mobile platforms | Both |
| Upfront fee display | Not verified |
| Transfer tracking | Yes |
| Scheduled transfers | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | iOS, Android |
| Compliance & security | SOC 2, ISO 27001, PCI DSS |
| Support | Email, Live chat, Phone, Docs · 24/7 |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Integrations | 70+ integrations: Payoneer, Western Union, Wise, Remitly, RIA, ACE … |
| Pricing | Free plan (source) |
| Website | nayapay.com |
| Facts checked | 22 Sep 2026 |
NayaPay integrations
NayaPay lists 70+ integrations on its own site — the 7 named here are the ones its pages call out.
- Payoneer
- Western Union
- Wise
- Remitly
- RIA
- ACE
- Raast
Alternatives to NayaPay
- WiseA transparent option for international transfers across web and mobile.9.4
- TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
- Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0
See all NayaPay alternatives →
Also Ranked In
NayaPay is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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