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.

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