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.
