BISP Introducing Direct Payments
BISP Introducing Direct Payments has taken a major step towards digital inclusion by introducing direct payments through EasyPaisa and JazzCash. This digital wallet system is designed to make cash transfers more transparent, fast, and reliable, ensuring that beneficiaries no longer face deductions or delays. By connecting stipends directly with mobile accounts, this initiative will reshape how millions of families receive financial support in Pakistan.
For years, BISP beneficiaries collected their stipends through banks, retail shops, or camp sites. While functional, this system often caused long queues, delays, and unwanted deductions by agents. Many women, especially in rural areas, faced difficulties traveling to collection points.
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Why BISP Shifted to BISP Digital Wallets
The new digital wallet system solves these problems by linking payments directly to mobile accounts. With this setup, stipends can be accessed anywhere, without middlemen. This move reflects the government’s commitment to modernize welfare programs and empower women by giving them direct control over their funds.
Key advantages include:
- No need to visit physical collection points.
- Reduced risk of fraud and unauthorized deductions.
- Instant access to payments through mobile accounts.
- Greater transparency and efficiency in disbursements.
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How the Digital Payment System Works
Under the new system, every BISP beneficiary will be assigned a mobile wallet through the bank operating in their district. Payments will then be directly transferred into these wallets, making cash access simple and secure.
- Telenor Microfinance Bank users Payments via EasyPaisa
- Mobilink Microfinance Bank users Payments via JazzCash
- HBL-partnered districts Payments through HBL Konnect
Beneficiaries will only need a valid CNIC, a mobile phone, and a SIM card registered in their own name to receive payments. This ensures security and prevents misuse of stipends.
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Beneficiary Requirements
To join the digital wallet system, women registered under BISP must meet a few conditions. These requirements have been set to ensure security and fair distribution.
- Possess a valid CNIC issued by NADRA.
- Own a mobile phone.
- Have a SIM card registered in their own name.
- Complete the dynamic survey if not already done.
If a SIM card is registered under someone else’s name, even a family member, payments will not be processed. This is a strict step to minimize fraud and ensure that only verified beneficiaries receive funds.
Comparison of Old vs. New Payment Methods
To better understand the benefits of the new system, the table below highlights the key differences:
| Feature | Old System (Shops & Campsites) | New System (Digital Wallets) |
|---|---|---|
| Payment Access | Only at shops or campsites | Anytime via mobile wallet |
| Travel Required | Yes, often long distances | No, payments received digitally |
| Risk of Deductions | High due to agents | Eliminated |
| Transparency | Limited | Fully traceable and secure |
| Beneficiary Control | Partial | Full |
Why This BISP Digital Wallet Step Matters
This digital shift is more than just a change in payment method it’s about empowering women and improving welfare delivery. For the first time, many low-income women will be able to use mobile wallets, gaining access to not just BISP stipends but also other financial services in the future.
It will also:
- Reduce corruption and middleman interference.
- Cut down administrative costs of physical setups.
- Encourage financial literacy and digital adoption in rural areas.
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Rollout and Future Updates
The government has announced that the rollout will happen in phases, starting with selected districts. Beneficiaries will be informed through:
- Official SMS from 8171.
- Notifications from BISP partner banks.
- Visits to local BISP offices for account setup.
For now, upcoming installments will still be processed through the old method until wallets are fully functional in all regions. However, once this system is live across Pakistan, it will become the default method for disbursing both Kafalat stipends and children’s education stipends.
There are also reports suggesting that from January 2026, stipends may be increased Rs. 1,000 more for Kafalat and Rs. 500 more for Taleemi Wazaif though official confirmation is still pending.
Final Words
The launch of digital payments through EasyPaisa and JazzCash is a groundbreaking move by BISP. It reflects the government’s vision of using technology to improve transparency, dignity, and accessibility for beneficiaries. By removing barriers like travel and agent deductions, this initiative ensures that every rupee reaches the intended household.
With time, this system could also open new opportunities for financial inclusion, enabling women to save, pay bills, and participate more actively in the digital economy of Pakistan.
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