HBL collaborates with Visa to launch QR payments service in Pakistan

HBL, Pakistan’s leading bank in the digital space, and Visa, the world leader in digital payments, have collaborated to launch Visa on mobile, a QR-based mobile payments service that allows consumers in Pakistan to make instant and secure payments on the go. The move is expected to accelerate the adoption of digital payments in Pakistan.

To use the service, an HBL customer would simply have to download the bank’s mobile app (HBL Mobile or Konnect App), select the QR option and pay for goods and services by scanning the QR code at enabled merchants across Pakistan.

Visa General Manager (Levant & Pakistan) Mohanish Agni said, “Pakistan is making strides to enhance electronic payments and promote financial inclusion. The launch of Visa on mobile demonstrates a significant step-change in the acceleration of the migration from cash to a digital economy in Pakistan which is good for consumers, businesses and government.”

With a present network of over 10,000 merchants, Visa on mobile will provide a competitive advantage in the market enabling merchants to generate EMVCo compliant QR codes, creating partnership opportunities and digitizing payment business solutions.

HBL Chief Innovation & Financial Inclusion Officer Abrar Ahmed Mir said, “As Pakistan’s leading bank in the digital space, we are proud to collaborate with Visa and offer an innovative payment solution. It is a step towards creating a cashless ecosystem which provides customers with a secure and instant digital payment experience.”

For merchants, Visa on mobile provides real-time notifications of payments into their bank account and access to sales and transactions history. Transactions are processed via Visa’s global network, VisaNet, applying the scale, security and reliability of Visa to mobile payments.


  1. Some more than three years before I was provide a sticker from Telenor Pakistan at the Karachi Expo Center of an even where the sales person offered the NFC (Contactless Payment Sticker) which could possibly act as QR code for payments. Some outlets were honoring the, but later my sticker fell some where, and I have no idea whether it exists or not. The Visa GM (Levan & Pakistan) Mohanish Agni Launch of Visa on Mobile demand treates a significant step change in the acceleration from cash to geconomy in Pakistan which is good for consumers, business and with a present network of 10,000 merChants Visa on mobile will provide merchants to generate EMVCO COMPLIMENT QR CODES creating partnership opportunities and digitising payment business solutions. With the hospitality industry increasing because of visa policy Im researching how this could be an opportunity.

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