COD, JazzCash & EasyPaisa: Payment Methods Built for Pakistan

Checkout fails when payments ignore local reality

If your only option is an international card gateway, a large share of Pakistani shoppers will abandon the cart. 12Commerce supports multiple merchant-side payment types including COD, online_transfer, bank_transfer, wallet_transfer, PayPal, PayFast, and AssanPay — so customers choose how they trust paying.

COD as a first-class method

Cash on delivery is not an afterthought. It is the default trust method for first-time buyers. Pair COD with WhatsApp confirmation before dispatch to cut failed deliveries — a playbook every serious local operator already knows.

Manual transfers with slip upload

For bank and wallet transfers, customers can upload a slip and reference code. Merchants verify in a queue, approve or reject with a reason, and the order status updates. That flow bridges Pakistan’s cash-heavy habits into a digital record without pretending everyone has a card.

Payment accounts registry

Merchants register the bank accounts and wallets where money should land. Storefronts show the correct details — reducing “I transferred to the wrong number” support tickets.

Run multiple methods at once

COD + bank transfer + AssanPay can be on together. Choice increases conversion. Offer a small incentive for digital payment if you want to shift mix over time, while keeping COD for trust.

Frequently Asked Questions

Is COD required?
Not required, but strongly recommended for most consumer categories in Pakistan.

Can I verify bank transfers myself?
Yes. Slip upload + reference code + approve/reject is built into the payment verification flow.

Does 12Commerce replace JazzCash?
No. It helps you offer JazzCash / wallet / bank instructions and gateways inside your own checkout and order system.