API Access

Connect Your System.
Accept Payments Everywhere.

If your organization already has its own software, Payniva can connect to it. Your applicants and customers can pay from any bank in Pakistan — ATM, mobile app, internet banking, or over the counter.

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Architecture

Integration Architecture

What the Connection Does

Four Things Payniva
Does for Your System

01
Create a Payment Request

Your system sends us a person's name and the amount due. Payniva creates a payment voucher they can use at any bank to pay.

02
Check Payment Status

At any time, your system can ask Payniva whether a specific payment has been made. You get a clear Paid / Unpaid answer.

03
Receive Payment Confirmation

The moment a payment goes through at any bank, Payniva automatically notifies your system. No manual checking needed.

04
Track Payment History

Your system can pull a list of all payments — who paid, how much, when, and through which bank — at any time.

Built on Pakistan's National Standard

Connected Through
Pakistan's National Payment Network

All connections are fully encrypted — data cannot be intercepted in transit
Every payment confirmation is verified before being recorded
Only approved banking network servers can send payment data
Each payment has a unique reference that cannot be duplicated
The same payment cannot be recorded twice, even if the network sends it twice
Full sandbox testing completed before any live payments are processed
1LINK National Payment Network

Payniva is built on 1LINK — Pakistan's national interbank payment network. Payments made through Payniva vouchers are processed through the same infrastructure used by major banks, ATM networks, and mobile banking apps across Pakistan.

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Ready to connect your system?

Our team will walk you through the setup, answer technical questions, and support you all the way to your first live payment.

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