Pakistan
Pakistan’s payment landscape in 2026 is mobile-first, with digital wallets leading how consumers transact. Transaction data shows a strong preference for local e-wallets over traditional banking methods, marking a clear shift away from credit and debit card usage. For global merchants, prioritizing local wallet integration is key to accessing consumer spend and unlocking growth in Pakistan.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
**Other payment methods: Card Payments (0.1%), HBL Konnect (0.1%)
Impact figures
94%
Android users
6%
iOS users
1.6%
Credit & Debit Card ownership
3.8B
App downloads in 2025
47.5M
App revenue (USD) in 2025
Insights
Digital wallets
Pakistan’s highly Android-dominant market limits Apple Pay’s effectiveness for enabling online payments.
Cards
Credit & Debit cards have low penetration in-market) reducing the effectiveness of this channel and likely overlap significantly with the small Apple user population.
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