The National Information Technology Board is currently working to upgrade public service platforms by embedding digital payments and Raast services into different government systems. Through this project, people will have the ability to pay taxes, utility bills, and service fees online. The centralized digital payment framework also applies to application, licensing, and certificate payments.
Supported Payment Channels & System Features
A request for proposals was recently released by the NITB regarding the integration of digital payments and Raast services. Based on the documentation, the upcoming platform will accommodate various electronic channels. Users will be able to use debit cards, credit cards, QR code payments, and interbank funds transfers. The setup also incorporates branchless banking agents, the Raast network, and the Request to Pay feature.
Strict technical standards were outlined by the NITB for the project. The platform needs to deliver secure processing, automated transaction reconciliation, and instant payment confirmation. Money will clear straight into accounts designated by the NITB, meaning service providers are barred from keeping funds in their personal settlement accounts.
Reporting dashboards, refund tools, and systems for managing payment disputes and chargebacks will be built into the platform. Continuous availability is mandatory for service providers. They must also deliver continuous technical assistance and provide complete training for NITB employees who will run the new platform.
Strict Security & Data Protocols
Security is a major focus for the digital transition, with the NITB demanding multi-factor authentication, strong data encryption, and active fraud detection mechanisms. The platform must also track transactions closely to comply with anti-money laundering and counter-terrorism financing regulations.
All transaction information must be stored inside Pakistan, according to the board guidelines. Regular vulnerability assessments and penetration tests must be performed by service providers. Digital payment avenues are growing important for processing electronic transactions and expanding public access, but the tender document omits any target user counts, projected transaction volumes, or rollout schedules.
Bidding & Vendor Requirements
Bids were requested strictly from fintech firms and scheduled banks to guarantee proper technical capability. These businesses need active registrations with the Securities and Exchange Commission of Pakistan alongside State Bank of Pakistan licenses.
Qualified companies must show a minimum of five years of background in digital banking or online payment integration. They also need to prove prior integrations with at least five large clients. Valid PCI-DSS credentials, ISO 27001 or matching certification, and a current or promised integration with Raast are mandatory.
A single-stage, two-envelope procedure governs the procurement. Financial bids will only be reviewed after a company passes the technical evaluation. The financial review will favor lower transaction fees for citizens alongside a greater revenue share for the NITB.
