S Paisa

Overview

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.

Product Salients

  • Any person having valid CNIC can now send and receive money
  • This service is not restricted for SCOM customers other mobile network customers can utilize the service as well
  • No paperwork or receipts
  • Confirmation to agents, sender and receiver
  • Sending / Receiving in mainland Pakistan via J-Cash while in AJ&K and GB use S-Paisa retailers
  • No more waiting or long queues
  • Receiving at your doorstep
  • Process

    Process of Sending Money

  • Mobile number and Sender’s CNIC are mandatory
  • Mobile number and receiver’s CNIC are mandatory
  • Upon sending, S-Paisa retailer/franchisee will ask for sender and receiver’s CNIC and mobile number and amount to be sent
  • After biometric verification of sender from NADRA, amount will be sent to receiver
  • Sending transaction details will be sent to retailer, sender and receiver
  • Auto-generated secret code will also be sent to receiver
  • Process of Receiving Money

  • Receiver will approach the nearest S-Paisa retailer by showing transaction message and pass code
  • Receiver CNIC and mobile number will be entered in the system to confirm
  • After necessary biometric verification from NADRA, amount will be received by the receiver via S-Paisa retailer
  • S-Paisa Service Charges (CNIC to CNIC)

    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

    Transaction Limits

    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.

    Our Utilities Partners

    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
    14 AJKB AJ&K Barkiyat
    15 GBB GB Barkiyat
    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

    Process

    Pay Your Bills with the following Easiest Steps:

    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.


    Service Charges

    No Charges for Bill Payment through S-Paisa Franchisees, Retailers and Customer Support centers.

    Coming Soon….

    Coming Soon….

    FAQ’s

    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:

  • Mobile number and Sender’s CNIC are mandatory
  • Mobile number and receiver’s CNIC are mandatory
  • Upon sending, S-Paisa retailer/franchisee will ask for sender and receiver’s CNIC and mobile number and amount to be sent
  • After biometric verification of sender from NADRA, amount will be sent to receiver
  • Sending transaction details will be sent to retailer, sender and receiver
  • Auto-generated secret code will also be sent to receiver
  • Process of Receiving Money:

  • Receiver will approach the nearest S-Paisa retailer by showing transaction message and pass code
  • Receiver CNIC and mobile number will be entered in the system to confirm
  • After necessary biometric verification from NADRA, amount will be received by the receiver via S-Paisa retailer
  • 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?
    Yes.

    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.

    Let's talk. 111-SCO-SCO (726-726)