UBL Pay

Your mobile phone
is now your debit card

First in the world & in Pakistan to launch contactless payments worldwide with Visa, Mastercard & UnionPay all three schemes simultaneously

A safer way to pay

Avoid touching buttons or exchanging cash when spending at some of your favourite places.

The easiest way to pay in stores.

UBL Pay is a simple, smart, and secure way to pay at shops, restaurants, & stores.

1. Look for NFC Symbol

Look for the UBL Pay or NFC symbol on the card machine to see where you can pay.

2. Unlock your phone

No Wifi. No 4G. No worries. You don’t need to login to the UBL Digital App to pay.

3. Tap with your device

Position your Android device over NFC reader on the card machine and pay!

Use UBL Pay wherever you see one
of these symbols.

Setting up UBL Pay is quick & easy

It works with the Android mobile device you use everyday-- it’s simpler than paying with your physical card.

Go to
Card Management

Click on Manage Card for the
debit card you want to activate.

Tap on
Set Up UBL Pay

You can begin setting up
your phone for UBL Pay

Follow the
on screen instructions

Your phone is now enabled
for UBL Pay.

Where to tap & pay

You can use UBL Pay at all of your favorite places like fast-food restaurants, grocery stores, pharmacies and more. Just look for the UBL Pay sign or NFC symbol at checkout.

View more (2500+ merchants)

Your money is protected

UBL Pay uses a world class security system to protect your finances that helps detect fraud and prevents hacking. You can safeguard your account with a screen lock, such as a pin, pattern, or biometric verification.

UBL Pay FAQs

UBL Pay is a convenient and secure way to pay using your phone. And it's accepted at more places than any other mobile payment service out there.

UBL Pay allows you to use your compatible Android mobile phone with the UBL Digital App to make contactless payments. UBL Pay is available for compatible NFC enabled phones running Android 6.0 or above.

View Terms and Conditions

Tap your mobile phone & experience a new way to Pay