NayaPay review
A Pakistan-focused wallet for transfers, remittances, cards and everyday payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
NayaPay pros and cons
- 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
NayaPay fact sheet, pricing and score →
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