1 of the exchange companies licensed by the State Bank pay out
SmartPay Services transfers, between them across 50 verified counters. Bring the transfer reference and your original CNIC.
SmartPay Services (SmartPay Services Payment Institution) is a licensed European payment institution providing secure, fast, and budget-friendly international remittance options. Developed to simplify cross-border payments for migrant communities and businesses, SmartPay offers transparent processing, competitive foreign exchange rates, and minimal transfer charges. Payout options include direct bank deposits, mobile wallet top-ups, and cash pickups.
SmartPay Services operates out of Cyprus with licensed operations across Europe. Its global payout network spans over 50 destination nations across South Asia, Southeast Asia, Eastern Europe, and Africa through correspondent agreements with local banks and retail agent networks.
Where to collect
Every licensed exchange company that settles SmartPay Services, largest network first. Open one for its branch addresses and phone numbers.
