How It Works
Post a Bill.
Any Bank. Done.
Five plain steps — from creating a fee bill to seeing the payment confirmed in your portal.
From Creating a Fee to Seeing It Paid.
Here is exactly what happens each time a school or organization collects a payment through Payniva.
The fee or charge is created
A school finance manager or organization admin logs into the Payniva portal and posts a fee — specifying the person's name, the amount, and the due date. No technical knowledge needed.
A payment voucher is generated
Payniva instantly creates a unique payment voucher for that specific person and amount. This voucher number is what the person will use to pay — at any bank, in any way they choose.
The person pays at any bank
The student, applicant, or patient takes their voucher number to any bank in Pakistan. They can use a bank app on their phone, visit an ATM, go to a bank branch, or use an over-the-counter service. No Payniva account required — they use their existing bank.
The bank processes and confirms payment
The payment travels through Pakistan's national banking network. Within seconds of the person confirming their payment, the bank sends confirmation back to Payniva through the network.
Your portal updates in real time
The moment the confirmation arrives, your portal marks the payment as received. The dashboard updates, the receipt becomes available, and your reports are current — automatically, with no manual input from you.
Why Any Bank in Pakistan
Can Accept Payniva Payments.
Payniva is connected to Pakistan's national payment infrastructure — the same system that handles utility bills, telecom top-ups, and government services nationwide.
30+ Banks
HBL, UBL, MCB, Meezan, Bank Alfalah, Allied, and every other major bank in Pakistan is connected.
Mobile Banking Apps
Customers can pay through JazzCash, EasyPaisa, and all major bank mobile apps — from wherever they are.
Any ATM
Any 1LINK-connected ATM in Pakistan accepts Payniva payment vouchers — available in every city and town.
Over-the-Counter
Bank branches and NADRA E-SAHULAT service centers can accept payments for people who prefer to pay in person.
Every Payment is Tracked
from Start to Finish.
BEFORE PAYMENT
Bill Posted
The fee is listed in your portal as outstanding. The voucher number has been issued and is ready for the payer to use.
IN PROGRESS
Payment in Transit
The payer has initiated the payment at their bank. The transaction is being processed through the national network. Usually completes in seconds.
CONFIRMED
Payment Received
The bank has confirmed the transaction. Your portal marks it paid, a receipt is generated, and your reports update automatically.
Designed for the People
Who Actually Use It.
For School Finance Teams
Post fees, track who has paid, print receipts, export reports. No training in payment systems required.
See School FeaturesFor Organizations with Existing Systems
Connect your existing software to Payniva. Collect payments automatically without rebuilding your system.
See Organization FeaturesWant to see it in action?
We'll walk you through a live demo tailored to your school or organization.