Pakistan E-commerce Report 2026
Who is online in Pakistan, how online purchases are paid, and how many businesses accept digital payments. Every figure is quoted from its original source and linked.
117 million Pakistanis — 45.6% of the population — were online in October 2025, on 194 million active mobile connections. Online purchases that are paid digitally go overwhelmingly through bank accounts and wallets: 93% in FY25, against 7% by card. In January–March 2026 alone, 434.5 million online purchases worth PKR 0.47 trillion were paid that way. Cash on Delivery has no official count — the State Bank's figures cover the banking system only.
Headline indicators
Each card names the source and the period the figure describes.
How online purchases were paid in FY25
E-commerce payments made through Pakistan's banking system, July 2024 – June 2025. Cash on Delivery is paid outside that system, so it is not part of this split.
What it means if you sell online in Pakistan
- Offer wallet checkout, not just cards. Nine in ten digitally paid online purchases came from a bank account or wallet in FY25. A store that only takes cards asks most paying customers to switch to the method they use least. WoBooks storefronts take JazzCash and Easypaisa through your own merchant account, alongside Cash on Delivery.
- Keep Cash on Delivery — and count it yourself. No official figure measures it, because cash never passes through the banking system. That also means nobody else is tracking your COD orders: record each one, and whether it was delivered and paid, so your sales figures include it.
- Build for the phone first. 194 million mobile connections against 117 million internet users means most customers will open your store on a phone, often from a WhatsApp or social media link.
- Digital payment is becoming normal at the counter too. Over 2.6 million merchants had registered for Raast payments and over 2.5 million micro-merchants accept QR or wallet payments. Customers who pay a shop by QR expect to pay its website digitally as well.
Selling in Pakistan? See WoBooks for Pakistan and FBR-formatted receipts. Comparing markets? Read the Kuwait e-commerce & payments report.
Common questions
How big is Pakistan's e-commerce market in 2026?
No official body publishes a total market size. What the State Bank of Pakistan does measure is digital payment for online purchases: in January–March 2026, 434.5 million online purchases worth PKR 0.47 trillion were paid through account and wallet channels, and cards were used for 16.4 million e-commerce transactions worth PKR 80.1 billion. In FY25, wallet-based online merchant payments reached PKR 662.7 billion and card e-commerce PKR 249.7 billion (both provisional). Cash on Delivery orders are not included in these figures.
What share of Pakistan online orders are Cash on Delivery?
There is no official figure. The State Bank of Pakistan's payment reviews count only payments made through the banking system — cash paid outside it is excluded — so Cash on Delivery orders do not appear in them. What SBP does publish is how digitally paid online purchases were paid: in FY25, 93% went through bank accounts or digital wallets and 7% through debit or credit cards.
How many Pakistanis are online?
117 million people — 45.6% of the population — used the internet in October 2025, according to DataReportal's Digital 2026 Pakistan report. There were 194 million active cellular connections (75.9% of the population) and 79.9 million social media user identities (31.2%).
How do Pakistanis pay online?
Mostly from a bank account or digital wallet such as JazzCash or Easypaisa. In FY25, 684 million e-commerce payments went through accounts or wallets against 52 million by card — 93% of digitally paid online purchases, up from 87% in FY24.
How many businesses accept digital payments in Pakistan?
By March 2026, 17,554 e-commerce merchants were registered with banks (up 92% in a year), over 2.6 million merchants had onboarded or registered for Raast person-to-merchant payments, and over 2.5 million micro-merchants had been onboarded by banks and branchless banking providers to accept QR code and wallet payments.
What is Raast?
Raast is the State Bank of Pakistan's instant payment system. In January–March 2026 it processed 742 million transactions worth PKR 23.27 trillion, and over 2.6 million merchants had registered for its person-to-merchant service.
Sources & method
Every figure on this page is quoted from a public source and was checked against that source on 6 October 2026. Where sources describe different periods, each card says which; State Bank figures marked provisional may be revised. Pakistan's fiscal year runs July to June, so FY25 is July 2024 – June 2025. We publish no estimates or modelled market sizes, and no data from WoBooks customers.
- Pakistan Bureau of Statistics — 7th Population and Housing Census 2023
- DataReportal — Digital 2026: Pakistan (Kepios, 8 Nov 2025)
- State Bank of Pakistan — Annual Payment Systems Review FY2024-25
- State Bank of Pakistan — Payment Systems Quarterly Review, Q3 FY26 (Jan–Mar 2026)
Licensed CC BY 4.0 — quote any figure with a link to this page. Cite as: WoBooks (2026). Pakistan E-commerce Report 2026. wobooks.com/data/pakistan-ecommerce-report-2026
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