Reference

Fund Your pk3com Account Through Raast Paybill

Raast Paybill lets you push funds directly from your bank account into your pk3com wallet without switching apps or entering card details. Where local law permits, this is one of the most direct payment paths available to you in Pakistan.

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pk3com Fund Your pk3com Account Through Raast Paybill
RAAST HELP PATHS

Need Help With a Raast Paybill Transaction?

Raast Paybill transactions occasionally need follow-up — a bank timeout, a mismatched reference number, or a balance that appears pending. Here are the three channels we use to sort those out for your pk3com account.

Live Chat on pk3com Open the chat widget from any page on pk3com and share your Raast transaction reference. Our team can match it against your account deposit log and flag anything pending.
Email with Bank Screenshot If the chat queue is busy, email us with a screenshot of your bank's Raast Paybill confirmation. Include your pk3com account ID and we will reconcile the entry manually.
Check Your Bank App First Most Raast delays resolve at the bank side. Check your bank app's Paybill history — if the debit shows there but not on pk3com, that is the reference detail we need from you.
pk3com Using Raast Paybill Inside Your pk3com Wallet

Using Raast Paybill Inside Your pk3com Wallet

Raast Paybill is a State Bank of Pakistan instant payment rail. When you select it at the pk3com deposit screen, you authorise a push from your linked bank account directly to our platform wallet. There are no intermediary wallets involved — the instruction travels through the Raast network and credits your pk3com balance once the bank confirms the transaction. Your bank's mobile

app is where you authenticate, so the OTP and PIN steps you already use for other Raast transfers apply here too. If your bank is enrolled in Raast, you will see Paybill as a standing payment category inside the app's bill-payment section.

RAAST PAYMENT STANDARDS

How We Handle Raast Paybill on pk3com

We apply the same account-security and verification checks to Raast Paybill that we apply to every other payment rail. Below are the four practices that keep your Raast deposits accurate and your wallet protected.

Reference Matching

Every Raast Paybill instruction carries a unique reference number. We match that reference against your pk3com account before crediting your balance, preventing misrouted funds.

Bank-Side Authentication

Authentication happens inside your own bank app via PIN or OTP. pk3com never handles your bank credentials — we only receive the payment confirmation from the Raast network.

Wallet Reconciliation

Our systems reconcile Raast Paybill credits against your pk3com wallet balance after every session. Any discrepancy is flagged for manual review before the next transaction is processed.

KYC Alignment

The bank account you use for Raast Paybill must match your verified pk3com account name. KYC alignment here means your deposits and withdrawals stay on a single identity trail.

Raast Paybill Terms You Should Know

If you are new to Raast Paybill, a few technical terms come up repeatedly when depositing at pk3com. This short glossary covers the language you will encounter from your bank app through to your account wallet.

What is a Paybill biller code?

A biller code is the unique identifier assigned to pk3com inside your bank's Raast Paybill directory. You enter it to route your payment to the correct merchant account.

What does a Raast transaction reference number mean?

The reference number is a unique string your bank generates for each Raast push. Use it when contacting pk3com support to trace a pending or delayed deposit.

What is an IBAN in the context of Raast Paybill?

IBAN is the International Bank Account Number linked to your Pakistan bank account. Raast uses it to verify the source account before processing any Paybill instruction.

What does 'pending' mean on a Raast Paybill deposit?

Pending means your bank has queued the transfer but the Raast network has not yet confirmed receipt. Most pending states clear once the bank's overnight batch completes.

What is KYC in relation to Raast and pk3com?

KYC stands for Know Your Customer. It means your bank account name and your pk3com account name must match before Raast Paybill deposits are accepted and your wallet credited.

What is the Raast instant payment network?

Raast is the State Bank of Pakistan's inter-bank instant payment system. It connects participating banks so that fund pushes, including Paybill payments, move without clearing delays.

Raast Paybill on pk3com — Your Questions Answered

These are the questions we see most from Pakistan accounts when setting up or troubleshooting a Raast Paybill deposit at pk3com. Answers are based on how our payment system actually handles each scenario.

Any Pakistan bank enrolled in the Raast network can use Paybill. Check your bank's mobile app bill-payment section — if a Paybill category appears, your bank is supported and you can add pk3com as a biller.

Go to your bank app's Paybill or bill payment screen, tap Add Biller, and enter the pk3com biller code shown on our deposit page. Save it once and it stays in your biller list for future deposits.

Copy your Raast transaction reference number from the bank app and contact pk3com live chat. Share the reference and your account ID — our team will locate the entry and credit your wallet once confirmed.

Raast Paybill is primarily a push-to-merchant deposit rail. Withdrawal processing at pk3com follows a separate account-to-bank path. Check your wallet withdrawal screen for the available outbound options for your account.

Transaction limits depend on the threshold your bank sets for Raast Paybill instructions, not on a fixed pk3com rule. Check your bank's daily Paybill limit before initiating a large deposit.

pk3com does not apply its own fee on Raast Paybill deposits. Your bank may charge a small Paybill processing fee — confirm that in your bank app before you authorise the transfer.
Reference

Raast Paybill

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.

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