S-Paisa enables you to send and receive money to your dearest ones and relatives from your nearest S-Paisa Shop, Retailer or Franchisee in the most effective and easiest way. Any person in AJ&K and GB can send and receive money to and from AJ&K, GB and mainland Pakistan. In mainland, Pakistan S-Paisa has collaborated with J-Cash of JS Bank Ltd and amount can be sent from J-Cash retailer and received at S-Paisa retailer and vice versa.
Anyone having valid CNIC can send and receive money from any nearest J-Cash or S-Paisa retailer across whole Pakistan without having any bank account. You can send your salaries to your home or pay your children’s expenses in any city. You can now feel security and easiness if you don’t want to carry cash yet having whole amount with you on-the-go.
|Transaction Range||Service Charges|
|1 – 1000||60|
|1,001 – 2,500||120|
|2,501 – 4,000||180|
|4,001 – 6,000||240|
|6,001 – 8,000||300|
|8,001 – 10,000||350|
|10,001 – 13,000||400|
|13,001 – 16,000||450|
|16,001 – 20,000||600|
|20,001 – 25,000||750|
|25,001 – 30,000||900|
|30,001 – 40,000||1,100|
|40,001 – 50,000||1,300|
Customer can send or receive 5 Transaction per day against one CNIC number.
Customer can send / Receive up to PKR 50,000 per Month on one CNIC number.
|No||Bill Category||Bill Company||Company Name|
|1||PTCL||PTCL||Pakistan Telecommunication Company Limited|
|2||Gas||SSGC||Sui Southern Gas Company|
|3||SNGPL||Sui Northern Gas Pipelines Limited|
|4||Electricity||KESC||Karachi Electric Supply Company|
|5||FESCO||Faisalabad Electric Supply Company|
|6||GEPCO||Gujranwala Electric Power Company|
|7||HESCO||Hyderabad Electric Supply Company|
|8||IESCO||Islamabad Electric Supply Company|
|9||LESCO||Lahore Electric Supply Company|
|10||MEPCO||Multan Electric Power Company|
|11||PEPCO||Peshawar Electric Power Company|
|12||QESCO||Quetta Electric Power Company|
|13||SEPCO||Sukkur Electric Power Company|
|16||Water & Sewerage||KWSB||Karachi Water and Sewerage Board|
|17||LWASA||Lahore Water and Sewerage Authority|
|18||RWASA||Rawalpindi Water and Sanitation Agency|
|19||MWASA||Multan Water and Sanitation Agency|
|20||BWASA||Baluchistan Water and Sanitation Agency|
|21||FWASA||Faisalabad Water and Sanitation Agency|
1. Using this service, pay your bills with ease.
2. Bring your bill along with you to the nearest S-Paisa Shop.
3. Ask the agent to pay your bill using S-Paisa Facility.
4. Provide phone number to receive SMS for the necessary confirmation of your utility bill submission.
5. Ensure that the Agent has stamped your bill.
No Charges for Bill Payment through S-Paisa Franchisees, Retailers and Customer Support centers.
1.Who can make an S-Paisa transaction?
Any person having valid CNIC and mobile number can send and receive money. CNICs that are expired of either sender or receiver or both will not enable customer to send or receive money
2.Does a customer require to have a cell phone to use S-Paisa service?
Yes. A customer needs to have a valid mobile number both sender and receiver to check transaction reference number and secret code (for receiver only).
3.If a customer has a perished CNIC or unavailability of CNIC?
In case of lost or perished CNIC, customers are advised to contact the nearest NADRA office. Upon the issuance of NADRA receipt, please visit the nearest S-Paisa retailer with expired copy of CNIC and after biometric verification from NADRA customer will send/receive transaction.
4.What if Original CNIC is not in possession of customer or only copy is available?
Customer can bring authentic copy of CNIC, upon successful biometric verification from NADRA, send and receive money transactions can be performed.
5.Where S-Paisa Transactions can be performed?
S-Paisa transactions can be performed at various outlets that include S-Paisa Authorized Retailers, Franchisees and SCO Customer Support Centers.
6.How will customer know that transaction is successful?
Upon sending, the retailer, sender and receiver will receive SMS from S-Paisa system and when transaction will be received, the receiving message is also received to sender, receiver and retailer.
7.S-Paisa Transaction can take how much time or limit to be received?
There’s no time limit. However, it is recommended to the customers to receive amount within one week for the security and easiness of customer.
8.What if S-Paisa customer forgets his transaction code or PIN?
If customer forgets or deletes his PIN / Pass Code Message, he is required to visit the nearest S-Paisa Franchise / Retailer / Customer Support Center or call at 111-726-726 (SCO Help Line)
9.How many resets can be done for transaction pass-code?
There will be one reset for Passcode.
10.What if customer deletes or forget Transaction ID message?
Customer can contact the nearest S-Paisa Shop or Call at 111-726-726 for the necessary help.
11.What happens in case of delay in confirmatory messages?
Customers should always provide non-portable numbers for transactions. Visit the nearest S-Paisa shop or call at 111-726-726.
12.In case of unavailability of Cash, what should a customer do? Customer should contact the next nearest S-Paisa Shop for the receiving or contact 111-726-726
13.What is the process of Sending and receiving CNIC from S-Paisa Shop?
Process of Sending Money:
Process of Receiving Money:
14.Does CNIC and MSISDN pairing applies on Sender only?
While carrying out transaction, the above-mentioned pairing applies for both sender and receiver.
15.Can a CNIC holder use someone else mobile number?
16.What if a mobile number is entered incorrectly?
Customer should also contact the relevant S-Paisa Shop or call 111-726-726 for necessary correction.