Platform Overview
One Platform.
Two Portals.
Every Bank in Pakistan.
Payniva gives schools and organizations a simple way to collect payments through Pakistan's national banking network. No new apps for payers. No manual reconciliation for you.
How the Platform is Structured
A clean separation between portals, the API layer, and the 1LINK/1BILL payment network.
ATM · Branch · Internet · Mobile
Your Data is Always Yours.
Nobody Else Can See It.
Every school and organization on Payniva has a completely separate space. There is no way for one organization to see another's data — not even accidentally.
How Data Separation Works
Al-Noor School
Can see: their own students, fees, and payments only.
City Grammar School
Can see: their own students, fees, and payments only.
ETEA (Exam Authority)
Can see: their own applicants and fees only.
No organization can ever access another's data.
School Portal vs. Organization Portal
| Capability | School Portal | Organization Portal |
|---|---|---|
| Post fee bills for individuals | ✓ | ✓ |
| Issue payment vouchers | ✓ | ✓ |
| Accept payment from any bank | ✓ | ✓ |
| See payments in real time | ✓ | ✓ |
| Generate receipts | ✓ | ✓ |
| Export payment reports | ✓ | ✓ |
| Manage staff access levels | ✓ | ✓ |
| Fee plans by class or group | ✓ | — |
| Scholarships & concessions | ✓ | — |
| Defaulter tracking | ✓ | — |
| Connect existing software | — | ✓ |
| Automatic payment notifications | — | ✓ |
See it running live.
Get a walkthrough of the School Portal and Organization Portal with real payment flows.