SBP Payment Systems Review
Digital Payments
Raast, cards, POS, e-commerce, PRISM and per-channel retail payments
Quarterly · 2019 → · 1,842 series
The digital-payments module is Pakistan's move to electronic money, measured. It draws on the State Bank's Payment Systems Review to track Raast — the instant-payment rail — across P2P, bulk and P2M flows, plus payment cards by type, POS and e-commerce activity, the large-value PRISM/RTGS system, and per-channel retail payments through mobile, internet, IVR and e-wallets.
This is the alternate-data layer that a headline GDP number misses: the real, quarterly pulse of how a country pays. Use it to size a market, benchmark a product against national rails, or chart the adoption curve of instant payments. Every measure is a clean series with volume and value, as JSON or CSV.
Use cases
- Size the digital-payments market and its adoption curve
- Track Raast, card, POS and e-commerce volumes and values as KPIs
- Benchmark a fintech product against national rails
- Feed payments growth into diligence or market-sizing models
Who uses this
- Fintech founders & analysts
- Payments & banking operators
- VC & diligence teams
- Policy & financial-inclusion researchers
Series
| Series | ID | Frequency | Unit | Last observation |
|---|---|---|---|---|
| ATMs | payments.atms | Quarterly | count | 31 Mar 2026 |
| Bank & MFB Branches | payments.bank_branches | Quarterly | count | 31 Mar 2026 |
| Banks, MFBs & Digital Banks (count) | payments.banks_count | Quarterly | count | 31 Mar 2026 |
| Branchless Banking Agents | payments.bb_agents | Quarterly | count | 31 Mar 2026 |
| Branchless Banking App Users | payments.bb_app_users | Quarterly | million | 31 Mar 2026 |
| Branchless Banking Providers (count) | payments.bb_providers_count | Quarterly | count | 31 Mar 2026 |
| Credit Cards Issued | payments.cards.credit | Quarterly | count | 31 Mar 2026 |
| Debit Cards Issued | payments.cards.debit | Quarterly | count | 31 Mar 2026 |
| Pre-Paid Cards Issued | payments.cards.prepaid | Quarterly | count | 31 Mar 2026 |
| Social Welfare Cards Issued | payments.cards.social_welfare | Quarterly | count | 31 Mar 2026 |
| CDMs/CCDMs | payments.cdms | Quarterly | count | 31 Mar 2026 |
| ATM/CDM Transactions - Value | payments.channel.atm.value | Quarterly | PKR | 31 Mar 2026 |
| ATM/CDM Transactions - Volume | payments.channel.atm.volume | Quarterly | million | 31 Mar 2026 |
| Branchless/Digital Banking App Transactions - Value | payments.channel.bb_app.value | Quarterly | PKR | 31 Mar 2026 |
| Branchless/Digital Banking App Transactions - Volume | payments.channel.bb_app.volume | Quarterly | million | 31 Mar 2026 |
| E-Commerce (CNP) Transactions - Value | payments.channel.ecommerce.value | Quarterly | PKR | 31 Mar 2026 |
| E-Commerce (CNP) Transactions - Volume | payments.channel.ecommerce.volume | Quarterly | million | 31 Mar 2026 |
| E-Money Wallet Transactions - Value | payments.channel.ewallet.value | Quarterly | PKR | 31 Mar 2026 |
| E-Money Wallet Transactions - Volume | payments.channel.ewallet.volume | Quarterly | million | 31 Mar 2026 |
| Internet Banking Transactions - Value | payments.channel.internet.value | Quarterly | PKR | 31 Mar 2026 |
| Internet Banking Transactions - Volume | payments.channel.internet.volume | Quarterly | million | 31 Mar 2026 |
| Call Center/IVR Transactions - Value | payments.channel.ivr.value | Quarterly | PKR | 31 Mar 2026 |
| Call Center/IVR Transactions - Volume | payments.channel.ivr.volume | Quarterly | million | 31 Mar 2026 |
| Mobile Banking App Transactions - Value | payments.channel.mobile.value | Quarterly | PKR | 31 Mar 2026 |
| Mobile Banking App Transactions - Volume | payments.channel.mobile.volume | Quarterly | million | 31 Mar 2026 |
| POS Transactions - Value | payments.channel.pos.value | Quarterly | PKR | 31 Mar 2026 |
| POS Transactions - Volume | payments.channel.pos.volume | Quarterly | million | 31 Mar 2026 |
| Currency in Circulation | payments.currency_in_circulation | Quarterly | PKR | 31 Mar 2026 |
| Registered E-Commerce Merchants | payments.ecommerce_merchants | Quarterly | count | 31 Mar 2026 |
| Electronic Money Institutions (count) | payments.emis_count | Quarterly | count | 31 Mar 2026 |
| EMI E-Wallet App Users | payments.ewallet_users | Quarterly | million | 31 Mar 2026 |
| Internet Banking Users | payments.internet_banking_users | Quarterly | million | 31 Mar 2026 |
| Call Center/IVR Banking Users | payments.ivr_users | Quarterly | million | 31 Mar 2026 |
| Mobile Banking App Users | payments.mobile_banking_users | Quarterly | million | 31 Mar 2026 |
| Payment Cards | payments.payment_cards | Quarterly | million | 31 Mar 2026 |
| Point-of-Sale (POS) Machines | payments.pos_machines | Quarterly | count | 31 Mar 2026 |
| POS-enabled Merchants | payments.pos_merchants | Quarterly | count | 31 Mar 2026 |
| PRISM Participants (count) | payments.prism_participants | Quarterly | count | 31 Mar 2026 |
| PRISM (RTGS) Transactions - Value | payments.prism.value | Quarterly | PKR | 31 Mar 2026 |
| PRISM (RTGS) Transactions - Volume | payments.prism.volume | Quarterly | million | 31 Mar 2026 |
| Payment System Operators/Providers (count) | payments.psos_psps_count | Quarterly | count | 31 Mar 2026 |
| QR-enabled Merchants | payments.qr_merchants | Quarterly | count | 31 Mar 2026 |
| Raast Bulk Payments - Value | payments.raast.bulk.value | Quarterly | PKR | 31 Mar 2026 |
| Raast Bulk Payments - Volume | payments.raast.bulk.volume | Quarterly | million | 31 Mar 2026 |
| Raast P2M Payments - Value | payments.raast.p2m.value | Quarterly | PKR | 31 Mar 2026 |
| Raast P2M Payments - Volume | payments.raast.p2m.volume | Quarterly | million | 31 Mar 2026 |
| Raast P2P Transfers - Value | payments.raast.p2p.value | Quarterly | PKR | 31 Mar 2026 |
| Raast P2P Transfers - Volume | payments.raast.p2p.volume | Quarterly | million | 31 Mar 2026 |
| Raast share of retail payments value | payments.raast.share_of_retail_value | Quarterly | % | 31 Mar 2026 |
| Raast Total Transactions - Value | payments.raast.total.value | Quarterly | PKR | 31 Mar 2026 |
| Raast Total Transactions - Volume | payments.raast.total.volume | Quarterly | million | 31 Mar 2026 |
| Retail Payments (Digital) - Value | payments.retail.digital.value | Quarterly | PKR | 31 Mar 2026 |
| Retail Payments (Digital) - Volume | payments.retail.digital.volume | Quarterly | million | 31 Mar 2026 |
| Retail Payments (OTC) - Value | payments.retail.otc.value | Quarterly | PKR | 31 Mar 2026 |
| Retail Payments (OTC) - Volume | payments.retail.otc.volume | Quarterly | million | 31 Mar 2026 |
| Retail Payments - Value | payments.retail.value | Quarterly | PKR | 31 Mar 2026 |
| Retail Payments - Volume | payments.retail.volume | Quarterly | million | 31 Mar 2026 |
| SME Financing - DFIs | sme.bank_share.dfis | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Islamic Banks | sme.bank_share.islamic | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Domestic Private Banks | sme.bank_share.private | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Public Sector Commercial Banks | sme.bank_share.public | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Specialized Banks & Others | sme.bank_share.specialized | Quarterly | PKR | 31 Mar 2026 |
| Number of SME Borrowers | sme.borrowers | Quarterly | count | 31 Mar 2026 |
| SME Financing - Fixed Investment | sme.facility.fixed_investment | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Trade Finance | sme.facility.trade_finance | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Working Capital | sme.facility.working_capital | Quarterly | PKR | 31 Mar 2026 |
| Islamic SME Financing - Islamic Banks | sme.islamic.banks | Quarterly | PKR | 31 Mar 2026 |
| Islamic SME Financing - Islamic Banking Divisions | sme.islamic.divisions | Quarterly | PKR | 31 Mar 2026 |
| Islamic SME Financing - Total | sme.islamic.total | Quarterly | PKR | 31 Mar 2026 |
| SME NPLs Ratio | sme.npl_ratio | Quarterly | % | 31 Mar 2026 |
| Outstanding SME Financing | sme.outstanding | Quarterly | PKR | 31 Mar 2026 |
| Domestic Private Sector Financing | sme.private_sector_financing | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Manufacturing | sme.sector.manufacturing | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Services | sme.sector.services | Quarterly | PKR | 31 Mar 2026 |
| SME Financing - Trading | sme.sector.trading | Quarterly | PKR | 31 Mar 2026 |
| SME Finance as % of Domestic Private Sector Financing | sme.share_pvt_sector | Quarterly | % | 31 Mar 2026 |
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Query any of these with GET /v1/series/{id} — see the docs, browse the full catalog, or get a free key.