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Resumen

HBL is a Pakistani bank, Habib Bank Limited, that offers merchants online acquiring through HBLPay Checkout and other payment solutions for business. The service is designed for companies selling to customers inside Pakistan.

Products The Islamic banking arm's official list includes: - e-commerce acquiring; - mPOS; - digital invoicing; - direct transfer; - business bank accounts.

Commercial terms are set in a separate merchant agreement.

Bank gateway versus aggregator With a bank gateway, the bank itself is the acquirer. The seller signs directly with it, and revenue is credited to an account at the same bank. There is no intermediary between the store and the bank, so there are fewer points where money can be delayed. On the other hand, banks usually set stricter requirements than aggregators: expect to provide a full set of company documents and, as a rule, to hold a current account.

What to clarify Methods, fees, settlement times and technical integration steps are not disclosed. Ask the bank: - which cards and payment methods are supported; - the rate and any monthly fee; - whether an account with the bank is required; - for website integration documentation.

The group also operates as Habib Bank Limited UAE, so check which entity will be your counterparty.

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Pakistán

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