JazzCash Business Account vs Easypaisa Merchant Account 2026

Quick answer: A JazzCash business account or Easypaisa merchant account lets a small business accept payments by QR code, wallet transfer and bank transfer. Both are opened in-app with your CNIC. JazzCash's Q1 2026 schedule lists free registration and a 0.25% fee on QR payments, but 2% on incoming bank transfers, so the payment method matters.

Shops, home businesses, tutors and freelancers across Pakistan use a JazzCash business account or an Easypaisa merchant account to get paid without cash. Setup takes minutes, but fees vary widely by how the customer pays, and few owners read the schedule of charges. This guide compares the two, walks through sign-up, shows the 2026 fees we could verify with a worked example, and explains how to invoice for wallet payments. To send a professional bill with a QR code or payment details, use our free invoice generator.

What is a JazzCash business account?

JazzCash Business is the merchant app operated with Mobilink Microfinance Bank. It gives you a business wallet, a merchant QR code (also usable as a Till ID), payment links, and transfers to bank accounts. Customers pay by scanning your QR from JazzCash or other Raast-enabled apps, or by sending money to your account.

According to Mobilink Microfinance Bank's Q1 2026 schedule of charges, business account registration, maintenance, SMS alerts for each transaction and MPIN setup are free.

What is an Easypaisa merchant account?

Easypaisa, operated by easypaisa Bank, offers a merchant option inside its app. Easypaisa describes it as a way to get a unique QR code so customers can pay straight into your account. Its onboarding page says the simplified route is aimed at individuals and sole proprietors, the QR is issued right after registration, and the process takes a few minutes. Easypaisa also supports Raast person-to-merchant QR payments, with static and dynamic codes. Its merchant QR terms were updated in February 2026.

JazzCash vs Easypaisa at a glance

Feature	JazzCash Business	Easypaisa merchant
How to sign up	Separate JazzCash Business app	Become-a-merchant option in the Easypaisa app
Main ID needed	CNIC and SIM in your name	CNIC and SIM in your name
QR payments	Yes, merchant QR and Till	Yes, static and dynamic QR
Raast QR support	Yes	Yes (P2M)
Payment links	Yes, 3% (Q1 2026 schedule)	Check current Easypaisa offering
Published 2026 merchant fees	Yes, in the quarterly schedule of charges	Check the app or current schedule

Business account vs personal wallet

Many small sellers start by taking payments into a personal JazzCash or Easypaisa wallet. That works for a while, but a merchant account is better once you sell regularly: personal wallets have lower limits, mixing household and business money makes bookkeeping harder, and receiving frequent business payments in a personal wallet can trigger account reviews. A business account also gives you a merchant QR with your business name, which reassures customers that they are paying the right person.

JazzCash business account fees in 2026

These figures come from Mobilink Microfinance Bank's Q1 2026 schedule for the JazzCash Business (Merchant) app. Fees can change each quarter, so confirm the current schedule before relying on them.

Service	JazzCash Business (Q1 2026)
Account registration and maintenance	Free
Receiving QR or Till payments	0.25% including FED
Incoming IBFT (bank to wallet)	2% including FED
Receiving from a JazzCash account	2% including FED
Pay via link	3%
Raast request to pay	1% including FED
Tap on phone (card acceptance)	2%
International payments via link (freelance segment)	5%
Send money to any bank account	Free up to Rs 50,000 a month, then 0.1% or Rs 200, whichever is lower
ATM cash withdrawal via 1-Link	Free up to Rs 50,000, then consumer pricing
Cash deposit through agent	0.5%

The schedule also notes that refunds made the same day do not incur the merchant fee, while refunds on a later day do. For Easypaisa, we could not verify a current published merchant fee for 2026; check the schedule of charges on Easypaisa's site or the fee shown in the app.

How to open a JazzCash business account or Easypaisa merchant account

1. Use a SIM in your name. Both providers verify the mobile number against your CNIC.
2. Download the right app. Use JazzCash Business for JazzCash, or the main Easypaisa app and its become-a-merchant option.
3. Register with your CNIC. Enter your CNIC number and issue date, and complete biometric or selfie verification as prompted.
4. Add business details. Enter the business name, category, city and address. Larger businesses may be asked for NTN or other documents.
5. Set your MPIN and accept the terms. Read the merchant terms, including the right to debit charges.
6. Get your QR code. Download or print it, and request a standee if offered.
7. Link a bank account. Add your IBAN so you can move takings to your bank account regularly.

Security tips for merchant accounts

• Never share your MPIN or one-time codes, including with callers claiming to be from JazzCash, Easypaisa or a bank.
• Confirm each payment in the app or by SMS before handing over goods; screenshots can be faked.
• Keep the printed QR where staff can see it, so nobody can cover it with a different code.
• Move surplus balances to your bank account on a regular schedule.
• Use the refund function on the same day where possible, since same-day refunds avoid the JazzCash merchant fee.

Limits and SBP merchant rules

Wallet limits depend on your account level, verification and merchant type. Under SBP's 2025 payment systems rules, providers must classify merchants into three categories and set periodic transaction and balance limits for the larger categories based on sales turnover and risk. Easypaisa's onboarding page also mentions limits for its simplified merchant route. If your sales grow, ask the provider to upgrade your account rather than splitting payments across personal wallets, which can cause compliance problems.

Worked example: what a month of payments costs

Sana runs a home bakery in Karachi with a JazzCash business account. In one month she receives Rs 400,000:

Payment method	Amount	Fee rate	Fee
QR payments at the counter	Rs 300,000	0.25%	Rs 750
Bank transfers (IBFT) from customers	Rs 100,000	2%	Rs 2,000
Total	Rs 400,000		Rs 2,750

Her effective cost is about 0.69% (Rs 2,750 divided by Rs 400,000). If she nudged the bank-transfer customers to scan her QR instead, the fee on that Rs 100,000 would fall from Rs 2,000 to Rs 250, cutting her monthly cost to Rs 1,000 (Rs 750 plus Rs 250), or 0.25%. Moving money to her bank: the first Rs 50,000 a month is free, and each transfer after that costs 0.1% or Rs 200, whichever is lower, so moving the balance in larger transfers keeps costs predictable.

Invoicing customers who pay by wallet

For anything beyond a counter sale, such as catering orders, tuition fees or freelance work, send an invoice so the customer knows exactly what to pay and you can match payments later. Include:

• Your business name and contact number, plus NTN if you have one.
• A unique invoice number, which customers can enter as the payment reference. Our invoice number generator helps you keep a sequence.
• Your merchant QR code or Raast ID. Our guide to adding a QR code to an invoice shows how.
• Your IBAN for business clients who pay by bank; see which bank details to put on an invoice.
• Clear payment terms and a due date, as explained in our guide to invoice payment terms.

Add a short line such as "Please pay by scanning the QR code and enter the invoice number as the reference." Customers follow simple instructions, and a clear reference turns month-end matching from guesswork into a quick tick-off against your statement.

The Pakistan invoice generator supports PKR amounts and payment notes, and the minimal invoice template keeps the QR and payment details easy to find on a phone screen.

Which one should you choose?

There is no single winner. A few practical questions settle it for most businesses:

• Which wallet do your customers use? If most of your regulars use one app, start there, but remember Raast QR lets other banking apps pay too.
• How do customers usually pay? If many send bank transfers, look closely at the incoming IBFT fee, since 2% on JazzCash is eight times the QR rate.
• How often will you move money to your bank? Compare free transfer allowances and charges above them.
• Do you need payment links or online checkout? Link and gateway fees are higher than QR, so use them only where needed.

Also think about settlement. Money in a merchant wallet is convenient for paying suppliers who also use wallets, but rent, salaries and tax payments usually go from a bank account. A business that moves takings to the bank once a week, rather than after every sale, keeps transfer costs low and still has cash where it needs it.

Many shops simply run both accounts for a quarter, display both QR codes, and then keep the one with lower real costs based on their own statements.

Wallets vs Raast vs bank gateways

Raast, SBP's instant payment system, now connects banks and wallets, so a customer with any major banking app can usually pay your QR. Our guide to Raast business payments in Pakistan explains how it works. If you sell online and need card payments and checkout pages, compare options in our payment gateway Pakistan guide.

Freelancers billing overseas clients should look elsewhere: the 5% fee on international pay-via-link payments is high, and receiving foreign currency through a bank supports the reduced income tax rate described in PSEB registration for freelancers. See also how to receive payment from abroad in Pakistan.

Tax and record-keeping

At month end, download the statement from your merchant app and reconcile it against your invoices: mark each invoice paid, note the fee deducted, and follow up on anything still open. Recording fees as a business expense keeps your profit figures accurate. Our guide to late payment fees helps if some customers regularly pay after the due date.

Wallet receipts are business income. Keep monthly statements from the app, match them to your invoices, and use them when you file your return; see how to become filer in Pakistan. If your services are taxable in your province, wallet payments do not change your obligation to charge provincial sales tax, as covered in our guide to PRA sales tax on services.

Send your first wallet-ready invoice

A JazzCash business account or Easypaisa merchant account is a quick, low-cost way to get paid in Pakistan, especially when customers pay by QR rather than bank transfer. Add your QR code, invoice number and IBAN to every bill so payments land through the cheapest channel and are easy to match. Create one now with our free invoice generator and download a PDF to share on WhatsApp or email.