PPay is a full-featured payment gateway platform — checkout sessions, payment links, invoicing, subscriptions, refunds, and webhooks — built to demo to banks, investors, and regulators ahead of pursuing an actual State Bank of Pakistan license.
PPay covers checkout sessions, hosted checkout pages, payment links, invoicing, subscriptions, refunds, and webhooks — modeled closely on Stripe. Every authorization is deterministically simulated. This is a deliberate go-to-market strategy: prove the product end-to-end before pursuing a real State Bank of Pakistan PSO/PSP license.
Idempotent checkout sessions plus a hosted checkout page — integrate once, avoid duplicate charges on retries.
Get paid without building your own checkout — generate a link or a hosted invoice and send it.
Recurring billing, products & pricing, coupons, and ledger entries.
Merchants submit business/bank/KYC details for manual review — no auto-approval for real money, ever.
Idempotent sessions and a hosted checkout page, mirroring Stripe's integration model.
No-code ways to get paid — a link or a hosted invoice, sent directly to a customer.
Recurring billing plans, products & pricing, coupons, and ledger entries.
HMAC-signed webhooks with retry backoff, so your systems stay in sync with payment events.
Deterministic payment simulation with documented test cards and wallets — never touches real PAN data.
Balances, customers, events, API docs, and a help center — the full operating picture.
Issue sandbox API keys and integrate the Checkout Sessions API or payment links — fully functional, deterministic, safe.
Simulate successful and failed payments with documented test cards, refunds, and webhook delivery.
When SBP licensing is in place, submit business/bank/KYC details for manual review before any real money moves.
Using payment links and invoices to get paid without building a checkout of their own.
Integrating the Checkout Sessions API with idempotency keys so retried requests never duplicate a charge.
Setting up recurring billing plans ahead of go-live.
Evaluating a demo-able, feature-complete gateway before a licensing conversation.
Full checkout, invoicing, and subscriptions — safe to test end to end.