The HBL's Innovation and Financial Inclusion Group (I&FI) is responsible for helping HBL become a Bank of the future. I&FI focuses on developing and propagating HBL's digital assets like the mobile app, internet banking and the Konnect platform. There are four key areas where I&FI engages with the rest of bank. These are:
• Process & Product digitization
• Data Strategy
• Internal Innovation
• External Collaboration

HBLPay Payment Gateway is simple checkout platform that enables ecommerce merchants to accept online payments from its VISA, Master and Union Pay credit/debit cards customers. Besides this it also enables cardless payment through direct through HBL account. HBLPay Payment Gateway is an efficient, secure and a single platform for multiple schemes.
Account & Pricing
HBL team will share the following detail with merchant in order to integrate with HBLPay Payment Gateway.
• Merchant MID
• Merchant Password
• HBL Public Key in XML/PEM format for Encryption (RSA 4096)
Merchant technical team will provide following detail to HBL team.
• Merchant will share their public key (RSA 4096) with our IPG team
• Key generation process is also guided in this integration.
HBLPay charge upon Registration (merchant on Boarding), Annually, and per transaction. For details Visit
Features & Benefits
• One window digital payments solution
• Seamless addition of new payment methods
• Provides free of cost plugins for renowned ecommerce platforms.
• Supports card tokenization for repeat customer’s transactions
• Supports transactions in following currencies:
1. PKR
2. USD
3. CAD
4. GBP
5. AED
6. Euro