RAAST payments in Pakistan surge in 2025
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Pakistan’s digital payments landscape expanded rapidly in 2025 as the State Bank of Pakistan’s instant payments system, RAAST, handled substantial volumes. This is the RAAST payments in Pakistan moving from niche to mainstream. The central bank’s Financial Stability Review notes the system moved near Rs 50 trillion in transactions during the year, highlighting a shift from cash to digital rails. The growth mirrors wider adoption across cities and rural areas, bringing faster, traceable payments to millions of Pakistanis. This trend supports both households and small businesses seeking efficiency and security in everyday transactions.
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According to the SBP, RAAST’s user base rose to about 48 million, with almost two billion transactions processed in 2025. Overseas Pakistanis also supported growth, as Roshan Digital Accounts crossed $11 billion in inflows and active RDA accounts surpassed 890,000. The report frames digitalization as a key driver transforming Pakistan’s financial ecosystem and expanding access to formal banking channels.
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What the numbers mean for households
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For households, RAAST means faster, safer payments and better budgeting through formal channels. The platform’s scale reduces cash handling and improves traceability, aligning with digital payments Pakistan trends. The SBP notes higher adoption among everyday spenders, students, and gig workers alike. This trend is visible across urban and rural communities.
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Impact on businesses and the economy
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For merchants and fintechs, the data signals new opportunities in e-commerce, mobile wallets, and online services. With 48 million users, merchants can reach a wide audience on trusted rails, boosting sales and financial inclusion. The Roshan Digital Accounts inflows show Pakistan’s global remittance links remain strong, supporting growth in consumer spending and investment.
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In sum, the rise of RAAST payments in Pakistan in 2025 demonstrates the potential of online payments, supporting inclusion, efficiency, and broader economic activity. The SBP’s continued emphasis on digitalization points to a more connected financial future for the country.
