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Pakistan Accelerates Cashless Drive With BISP Wallet Rollout and Raast QR Billing

The government’s next step prioritizes activating 10 million beneficiary wallets this month to shift social transfers onto digital rails.

Overview

  • Prime Minister Shehbaz Sharif set a goal to onboard at least 2 million merchants to digital payments by June 2026 and tasked Minister of State Bilal Azhar Kayani with oversight.
  • Fewer than 700,000 retailers were using any form of digital payments as of September, highlighting a wide merchant-adoption gap.
  • Officials said electricity and gas bills can now be paid via Raast QR codes, with billions of rupees processed through the system.
  • Authorities plan to operationalize 10 million BISP digital wallets by the end of the month, with the next assistance tranche to be disbursed through them.
  • The government reported financial inclusion at over 68% and 112 million active digital-banking users, expanded Raast integration to Islamabad service apps, and moved ahead with digital bank licensing as trader resistance and infrastructure and cybersecurity constraints continue to slow uptake.