# NayaPay — For all your everyday payments

> All-in-one digital wallet for payments, transfers, bills, and remittances. (iPhone/iPad app by NAYAPAY (PVT.) LIMITED.)

- Source: https://appshunter.io/ios/app/nayapay/id1621286305 (this page in markdown: same URL + `.md`)
- Developer: [NAYAPAY (PVT.) LIMITED](https://appshunter.io/developer/1621286307)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 1,109 App Store ratings · 75 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 358 MB
- Languages: American English, Urdu
- Released: 2022-10-04
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/nayapay/id1621286305/reviews.md

## What is NayaPay?

Welcome to NayaPay: The financial partner of choice for 3,000,000+ users.
Send money, pay bills, receive remittances from around the world, chat with friends, and shop worldwide with a free Visa debit card. If it’s money, you can do it here.
GET STARTED INSTANTLY
Download the app and set up your account right away - no wait, no fees. All you need is your CNIC and a few minutes of your time. We’ll take care of the rest.
FREE MEANS FREE
Say goodbye to surprises (read: shocks) and unnecessary charges. No hidden fees, no annual charges and no SMS surcharge to worry about. Enjoy a free Visa card, seamless fee-free money transfers to one another and complete transparency about your money.
GO INTERNATIONAL WITH VISA
You’ll get your FREE Visa Virtual debit card on your phone immediately upon account creation. Choose a colour you love and shop online, on local and international sites. Get an Electric Orange physical Visa debit card delivered to your doorstep for in-store shopping and cash withdrawals from ATMs anywhere in the world.
YOU’RE IN CONTROL
Order a new card, set spending limits, freeze or unfreeze your card, change your PIN, enable or disable international transactions, online payments and contactless payments - all from within your app.
SEAMLESS MONEY TRANSFERS
Make free, instant money transfers to any bank. Your mobile number serves as your NayaPay account number, easy to remember and share with anyone to receive funds. Connect your Raast ID to your NayaPay account to send and receive money through Raast.
BILL PAYMENTS MADE EASY
Manage all your bills in one place. Pay hundreds of merchants from K-Electric, LESCO, and MEPCO to SNGPL, SSGC, and StormFiber right through the app. We’ll also send you reminders when your bill is due, helping you avoid pesky late payment penalties.
GLOBAL REMITTANCES
Looking to receive home remittance or freelance payments from abroad? Simply share your NayaPay IBAN, and our global remittance partners, including Payoneer, Western Union, Wise, Remitly, RIA, ACE, and more, will handle the rest. Your funds will be deposited directly in your account.
ADD MONEY TO START SPENDING
Link your bank account to effortlessly add funds to your NayaPay app. Deposit cash at partner banks or transfer money from any bank to NayaPay to load up your account and get cracking.
TOP UP AND MORE
Whether it’s Prepaid, Postpaid, or handy bundles, we’ve got you covered for Ufone, Telenor, Zong, SCOM and Jazz. From call packages to data bundles for Whatsapp, Facebook, Youtube, Tiktok, and PUBG, find all your mobile top-up needs in one place.
WE’LL TAKE YOU PLACES
Catching a flight? Pay for your Fly Jinnah ticket directly through the NayaPay app. Would you rather go on a road trip? We’ve got you there too. Ditch the toll queues, recharge your M-Tag using the app and have a smooth journey!
CHAT YOUR PAYMENTS AWAY
Add meaning to money transfers with payment notes. Chat with your friends, share photos, send voice notes, and much more. When words fall short, use our fun stickers to express yourself.
STAY ON TOP OF YOUR FINANCES
Track all your transactions with detailed, easy-to-understand transaction history. Manage your finances with digital receipts, making record-keeping a breeze.
NEVER LOSE SIGHT OF YOUR MONEY
You know what’s come in and what’s gone out instantly. Receive instant push notifications for every transaction - we’ll update you as soon as you send, receive and spend money so you’re always in the know.
YOU’RE SAFE WITH US
Enjoy secure transactions. NayaPay is PCI DSS and ISO 27001 certified. Each transaction is protected by fingerprint/Face ID or MPIN verification, ensuring only you can authorize payments.
NayaPay has been featured internationally by Forbes, TechCrunch, Nikkei Asia, Fintech Finance, Tech in Asia, Tech Node Global, The Asian Banker and more.
We are here to help, 24/7. Reach out to us via in-app chat, email at support@nayapay.com or give us a call on +(9221) 111-222-729.

## Key features

- Send and receive money instantly
- Pay bills from hundreds of merchants
- Receive global remittances
- Free virtual and physical Visa debit cards
- Mobile top-ups and bundles
- In-app chat for payments

## What do users think of NayaPay?

Overall sentiment: negative

**Pros**

- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!
- 👍 love it
- 👍 Just Wow experience
- 👍 Amazing
- 👍 Best mobile wallet of pakistan imo
- 👍 Best pakistani digital wallet
- 👍 Very good app
- 👍 Naypay
- 👍 Excellent
- 👍 Bill Split 🤩
- 👍 Free Internet !!!!

**Cons**

- 💰 Scammers. Non-transparent fees.
- 🐢 Slow and rude team
- 🚫 Not being able to receive OTP
- 🚫 Account Blocked — No Response from Support
- 💰 Nayapay is a Scam..Scammers
- 🐛 App better than its competitors but not without caveats.
- 🌐 No Urdu
- 🐛 In-app Biometric Unlock Feature
- 🚫 Fake banking
- 🐛 Urdu localisation needs work
- 🐛 New update very poor
- 🔒 app is not locked when we open it
- 🐛 Pathetic app and customer support
- 🚫 Dispute
- 🐛 Needs an update.
- 🚫 Very bad app
- 🚫 Not trustworthy
- 🐛 First experience
- 🚫 Fake Application
- 🚫 Experience
- 🚫 Excellent Services, Disappointing Support
- 🚫 Scam alert
- 💰 Expensive for online payments.
- 🐛 Verification
- 🐛 Bad
- 🐛 Issue!!!
- 🐛 Open nhn hota
- 🚫 Bakwass
- 💰 Best scamming app
- 💰 Failed Transaction Fee
- 🐛 Verification failed
- 🚫 Login Difficulty
- 🐛 App not working
- 🐛 Extremely buggy
- 🚫 Cannot install
- 🚫 Do not use
- 🚫 Nayapay a joke & total waste of time
- 🚫 Worst service
- 🚫 Worst staff service
- 🚫 Worst app
- 🐛 What kind of a glitchy mess is this ?

**Commonly reported bugs**

- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills

**Most requested features**

- Add card support for Apple Pay wallet
- Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍
- Nayapay also should add personal loans option
- Utility bills ?

## Recent user reviews (10 of 75)

All indexed reviews: https://appshunter.io/ios/app/nayapay/id1621286305/reviews.md

### 3/5 — Versions

*2026-07-03*

Please allow it for user with old versions 😭 mine is not upgrading from 15.8 and it says 16.0

### 1/5 — Support Discontinued

*2026-06-29*

Kindly available beta version or alternate for lower ios devices. I am unable to continue use on my ios 15.8 device.

### 1/5 — Worst app

*2026-05-09, version 3.4.1*

They just eat your money.

### 1/5 — Rubbish

*2026-03-24, version 3.3.0*

These guys are a joke.
They just upgraded to iOS 16….. and my money in the aap is now blocked…. Customer services are pathetic. Avoid like plague.

### 1/5 — Payment issue

*2026-03-10, version 3.3.6*

Mujhe Lagta Pakistan coffee model Hoya Hai Mujhe Lagta tap to pay liquor à la Chahiye use Pakistan Apple Pay tap to pay Lena Apple wallet bag credit card and Rohan Chahiye Jaiye feature Aaja Aaja Tu Meri Tara five star reading at Kar Dunga tap💔

### 1/5 — Deducted money

*2026-03-03, version 3.3.6*

Transaction failed but money was deducted from account 
Very poor customer service rude staff

### 1/5 — Worst app ever sadapay is way better

*2026-02-28, version 3.3.6*

I made a account for my mom as she is a bit older and when the verification call came i told her the username and the person on the call cut the call rudely never use this app again

### 1/5 — Very poor service

*2026-02-21, version 3.3.5*

Very poor service and specially the customer service team

### 1/5 — Bring please apple pay virtual card payment

*2026-02-15, version 3.3.0*

Please Bring please apple pay virtual card payment

### 5/5 — Better than other

*2026-01-23, version 3.3.0*

Better than easypaisa,jazz cash

## Frequently asked questions about NayaPay

### What can I do with NayaPay?

NayaPay allows you to send money, pay bills from numerous merchants, receive remittances from abroad, chat with friends, and shop worldwide using a free Visa debit card. You can also manage mobile top-ups and pay for travel services like Fly Jinnah tickets and M-Tag recharges.

### Is NayaPay free to use?

Yes, NayaPay is free to use with no hidden fees, annual charges, or SMS surcharges. You receive a free Visa Virtual debit card instantly upon account creation, and can opt for a physical card. Money transfers between NayaPay users are also fee-free.

### How do I add money to my NayaPay account?

You can add money to your NayaPay account by linking your bank account for effortless fund transfers. Alternatively, you can deposit cash at partner banks or transfer money from any bank to your NayaPay app.

### Can I receive money from overseas with NayaPay?

Yes, NayaPay supports receiving global remittances and freelance payments from abroad. You can share your NayaPay IBAN with global remittance partners like Payoneer, Western Union, Wise, and others to have funds deposited directly into your account.

### What are the card features in NayaPay?

NayaPay provides a free Visa Virtual debit card immediately upon account creation, which can be used for online shopping. You can also order a physical Visa debit card for in-store purchases and ATM withdrawals worldwide. The app allows you to manage card settings like spending limits, PIN changes, and transaction controls.

## Version history (last 5 releases)

### 3.5.5 — 2026-07-29

We added a new “Learn to Prevent Fraud” section in your Account Overview, packed with tips to help you spot scams. We also found the linked banks that were playing hide and seek in Select Account. They’re all back where they belong.

### 3.5.0 — 2026-07-01

Ever sent an invite for an event that’s already over? Didn’t think so. So there’s no reason the Invite option should still be hanging around once your Chip In request has expired. We said be gone. It’s gone.

### 3.4.8 — 2026-05-20

We sped things up a bit. The app moves quicker now. As it should.

### 3.4.7 — 2026-05-13

This is a quiet one. Just us making things better behind your back.

### 3.4.6 — 2026-05-12

This is a quiet one. Just us making things better behind your back.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*