Category Archives: Bussiness & Currency

Internet Payments Made Easy in Pakistan NIB Bank brining Internet Payment Gateway

It appears that the wait for having an online payment processing platform is over now. NIB Bank has announced that it is brining Internet Payment Gateway in Pakistan that will allow online businesses to charge their customers through debit or credit card for the stuff they will buy on internet.

Establishment of Internet Payment Gateway in Pakistan is long pending, which was first announced by PTA in 2009. After that Bank Al-falah, along with its sister concern, claimed similar deployments but nothing turned into reality.

Agreement between Mastercard and NIB was signed on 5th April 2013 at NIB Bank’s Head Office, Karachi, by Mr. Khurram Agha, Group Head Operations & Technology – NIB Bank and Aurangzaib Khan, Country Manager, Pakistan and Afghanistan for MasterCard.

Now that NIB has partnered with MasterCard it is likely that MasterCard Internet Gateway Service (MiGS) will finally come to Pakistan.

With this service, merchants will be able to charge internet surfers with their debit/credit card for the services or products they sell on internet.

“Now, NIB Bank merchants will be able to process payments from cardholders on their online Web stores in real-time. As a MasterCard acquirer, NIB Bank will offer merchants world class, secure internet payment processing capabilities”, said a statement issued by NIB Bank.


Pakistan Post Launches Electronic Money Teansfer Service

Pakistan Post, a state department, has announced the launch of Electronic Money Order service that will allow the masses to transfer funds up to Rs. 100,000 just in seconds.

Conventional money order service used to take few days for delivery however this new revamped service from Pakistan Post is said to be as quick as any other mobile banking solutions, such as EasyPaisa or UBL Omni.

Pakistan Post’s Electronic Money Order service is started as a pilot project in eleven cities (mentioned below) involving 17 GPOs (General Post Offices), where individuals can send and receive their payments instantly. It is said that service will be stretched to more cities in coming time.

Pakistan Post, which operates with losses in terms of business, was previously partnering with Mobilink for a similar kind of service where it used mobile phones for instant transferring of funds. But now, reportedly, Pakistan Post will use internet for immediate transfer of money.

Pakistan Post website isn’t displaying any information, as of now at least, on this new service, however, an advert appearing in various newspapers today details about the service charges, which are as below:

Service Charges:

Amount of Money Order Service Charges
up to Rs. 2,000 Rs. 50
From Rs. 2,000 and up to Rs. 5,000 Rs. 100
From Rs. 5,001 and up to Rs. 10,000 Rs. 200
From Rs. 10,001 and up to Rs. 15,000 Rs. 250
From Rs. 15,001 and up to Rs. 20,000 Rs. 350
From Rs. 20,001 and up to Rs. 30,000 Rs. 400
From Rs. 30,001 and up to Rs. 40,000 Rs. 450
From Rs. 40,001 and up to Rs. 50,000 Rs. 500
From Rs. 50,001 and up to Rs. 100,000 Rs. 600

It is unclear so far if these service charges include taxes or not. We will confirm you on this as we hear back anything from Pakistan Post.

Electronic Money Order Service is Offered in Following GPOs:

  • Karachi
    • Karachi GPO
    • Karachi City GPO
    • Karachi Saddar GPO
    • Karachi Korangi GPO
    • Karachi Al-Hyderi GPO
    • Karachi New Town GPO
  • Lahore
    • Lahore GPO
    • Lahore Cantt GPO
  • Islamabad GPO
  • Rawalpindi GPO
  • Faisalabad GPO
  • Muzaffarabad GPO
  • Sialkot GPO
  • Quetta GPO
  • Hyderabad GPO
  • Peshawar GPO
  • Multan GPO

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What is Google Adsense and How to Make Money With it

What is Google Adsense:
Google Adsense is an advertisement program which is run by Google. Google Adsense provides opportunities to Blog/website owners to enroll in their program to enable text, image, and more recently video advertisements on their websites. All these advertisements are monitored and controlled by Google and generate revenue on the basis of per-click or per-impression. Adsense also provide search option, and adsense for domains.

Requirements For Adsense:
A website or blog
you can make a blog here on WordPress or here Blogspot.
Google Adsense account.
Get here Google Adsense Account
Time atleast 2 hours a day in start.

Adsense Overview:
Google Adsense has become the first priority for every publisher, and it is the leading advertisement program. Google uses its search engine technology to serve advertisements based on website content, the user’s geographical location, and other factors. Those who want to advertise with Google’s targeted advertisement system can enroll through Google Adwords. Adsense is becoming more popular because of its advertisements on a website because their advertisements are less intrusive than many other banners. And the content of the advertisements is most often related to the website content.


Wateen Telecom Entered in Stock Trading

The formal trading of Wateen Telecom has started at the Karachi Stock Exchange (KSE).The session started with a traditional opening bell. Wateen Telecom General Manager (Enterprise Solutions), Furqan H Qureshi, rang the opening bell.

On this occasion while talking to media , he said that the Initial Public Offering (IPO) of Wateen Telecom Limited, offered on April 20 and 21, 2010 to institutions and general public, closed with an overwhelming success and oversubscribed from all categories of investors.

Arif Habib Limited was appointed as the Advisor and Arranger of this IPO.


ROZEE.PK Website Won brand of the year Award 2009

ROZEE.PK is a Pakistan’s # 1 job website providing online plateforme for getting Jobs Recentely this website won brand of the year award 2009. The award was presented by prime minister of Pakistan Syed Yousuf Raza Gilani,on 7th May, 2010 at governor house Karachi.

CEO Naseeb Networks Monis Rahman said in a statement

ROZEE.PK wins Brand of the Year Award, becoming first brand with spending $0 advertisment budget to win in history.

ROZEE.PK competed along side the most well known brands in the country including Nestle, Unilever, Zong, Mobilink, Bank Alfalah, Engro and many others well reputed and Multinational Companies. It is indeed noteworthy that ROZEE.PK is the first company in history to win this award with zero rupee advertising budget.It is also worth mentioning that ROZEE.PK is among the very few companies to receive an A++ survey ranking and one of the only IT companies to win.

I would like to congratulate the whole team of ROZEE.PK for achieving this great Award.


Payoneer Blocks its Debit Master Cards for Pakistan

i have got a Debit Master Card from Payoneer through info links for getting payments in that card.Payoneer,which allows its customers to receive their payments onto a Debit MasterCard that is reloadable through western union, internet (via credit/debit cards) and other similar means, I was very happy because its the easiest and quick way to recieve money.Some days ago i was just checking my mailbox and found a mail from Payoneer that all Payoneer cards will be blocked for transactions in Pakistan from 31, may.

Payoneer in an email to its customers said that card holders residing in countries listed by the US government as having strategic Anti Money Laundering (AML) deficiencies won’t be able to use Payoneer debit master cards.

Other countries on the list include:
Turkmenistan and
Sao Tome

If your card is in use in one of the countries listed, it is strongly recommended to use all of your funds by May 31, 2010.

Payoneer was widely used by freelancers to charge their customer. They used to give a url where customers could pay the bills using their credit cards.

This is going to be another blow for countless freelancers of Pakistan, where receiving payments from foreign personals is already very tough.

Payoneer sent following email to their customers in Pakistan:

Dear Customer,

Due to a change in requirements from our regulators, as of June 1, 2010 Payoneer cards will be blocked for transactions in the countries listed by the US government as having strategic Anti Money Laundering (AML) deficiencies. This change will affect card usage in the following countries: Angola, Ecuador, Ethiopia, Pakistan, Turkmenistan and Sao Tome and Principe.

If your card is in use in one of the countries listed, we encourage you to use all funds by May 31, while transactions are still possible in these countries.

Please note that beyond May 31 your card will continue to be fully functional in all countries not banned by the US government, and we will be happy to load payments to the card without any change.

We apologize for the inconvenience and hope that the Payoneer card will continue to provide you with valuable service.

Payoneer Customer Support


Kasab Bank Offers a New Mahana Manafa Scheam

Kasab Bank Pakistan offers a new Scheam of mahana manafa Rs.1000 per month on the deposit of Rs.100000,the minimum depost for this scheam is Rs.100000 and maximum deposit of 20,000 000.If you depost Rs.10,000 000 you will get free checkbook free internet banking free atm card free online banking facilities.Here are the ad from kasab bank on daily express news paper of 17 december 2009.



UBL WIZ A PrePaid Debit Card Visa Powred

E-payments have always been a problem for us, here in Pakistan. As PayPal is not providing its service here in Pakistan right now, so the only legal way, we are left with is Credit Card.

But not everyone is eligible or does afford these credit cards (which come with huge security deposits and service charges).

Here UBL (United Bank Limited) Wiz card serves the purposes. At the moment this can be regarded as best Pre-Paid debit card which also works as a credit card, for online payments.

UBL Wiz card has tag line of Cash Do Card Lo, means it is really easy to have this – you just have to fill up a form and to pay for card fee and deposit money, that’s it – you are done. Card can be obtained from any UBL branch for just Rs. 120 and you don’t even need to have a bank account.

Yes it is the main point, UBL Wiz has a virtual account that is not associated with any branch. You are not provided with extra account number, instead account number is extracted from your 16 digit card number. So all you get is a Wiz card with Visa Logo on it.

Card number can be extracted as following,

if your Card Number is ABCD EFGH IJKL MNOP ( Conventional 16 Digit Code), then your Account Number will be GH IJKL MN (8 Digit Code). i.e to leave first 6 digits and last 2, remaining is your account number

One of the best features of UBL Wiz card is that, You can deposit money in your WIZ card from any branch in Pakistan, means you do not need to go to any specific branch.

UBL WIZ currently has three basic cards, which differ only in deposit/withdrawal and daily usage limit. subscription charges are same whatsoever is the type.

More details about Deposit/Withdrawal and Daily usage limits can be found here.

Using WiZ Card for Online Transactions

To Use Wiz Card as a Credit Card you need to have Internet Session activated. You can get it activated any time by calling UAN 111-825-888.

One time session activation charges are 100 Rs and session remains active for one Calendar date, and during this time you can pay online as much as balance you have in your account. As the session expires, you cannot use your card anymore, on internet.

Note that, Wiz card does not comes with pre-activated internet usage, to get it activated, you need to fill up internet usage form and fax/email it to UBL, and they will get it working with in 24 to 48 hours. (This is one time activation or say registration for online payments)

A bonus point of this card is that it can also be used at any One Link ATM in Pakistan. And this is the only way to withdraw funds from your account as you do not have checkbook or actually a bank account.

Keeping in view present e-business in Pakistan and availability of suitable options, UBL WIZ card is serving the purpose at its extreme and is very viable yet affordable method of e-payments here in Pakistan where we do not have PayPal.

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