Built in Pakistan, for every Pakistani.
We started ApnaPay with one simple idea. Paying, sending and receiving money should be easy for everyone, whether you live in a big city or a small town.
A wallet that feels like your own.
Millions of people in Pakistan still stand in long queues to pay a bill, travel to a bank to send money home, or carry cash for everything. We think that should change.
ApnaPay brings everyday payments to your phone in a way that is simple, clear and safe. Big buttons, plain words, Urdu when you want it, and help close by at Al Makkah Telecom outlets.
ApnaPay is a product of APNAPAY PRIVATE LIMITED and AMT Technologies (Pvt) Ltd, powered by Al Makkah Telecom.
Apni Payment. Apna Bharosa. Apna Wallet.
A paper plane that takes off, because sending money should be as quick as sending a message. Powered by Al Makkah Telecom.
Three promises in one name.
Apni Payment
Your payments, your way. Send, pay and receive whenever you want, from wherever you are.
Apna Bharosa
Your trust is everything. Clear charges, strong security and real people to help you.
Apna Wallet
A wallet that belongs to you. Simple enough for everyone in your family to use.
Our mission
To make digital payments simple, safe and open to every Pakistani, in small towns and villages as much as in big cities.
Our vision
A Pakistan where nobody has to stand in a queue to pay a bill or travel to send money home. Every payment, one tap away.
The values behind every screen.
Simple first
If our parents cannot use it, we have not finished building it.
Safe always
Security is part of every screen, not an extra setting.
Clear charges
You always see the fee before you pay. No hidden costs.
Close to you
Real agents in real shops, so help is never far away.
Help is just around the corner.
ApnaPay is powered by Al Makkah Telecom. Their outlets serve as ApnaPay agent points, where you can add cash, collect CNIC transfers and get help with your account.
- APNAPAY PRIVATE LIMITEDThe company behind ApnaPay
- AMT Technologies (Pvt) LtdTechnology partner
- Al Makkah TelecomAgent network and outlets
Open your free ApnaPay account in 2 minutes.
All you need is a mobile number. Verify your CNIC later to unlock higher limits.
Scan to downloadPoint your phone camera at the code
