Simply go to the Google Play Store and search for MyPerfectPay, or you can click on the given link to download:

For Android users: https://play.google.com/store/apps/details?id=com.aft.perfectpay&pli=1

For iOS users: https://apps.apple.com/pk/app/myperfectpay/id6738841741

You can open PerfectPay accounts without needing a mobile number registered on your own CNIC. However, for enhanced transactional limits (Rs.1,000,000/month), a mobile number registered on your own CNIC is required.

No, you cannot register for a PerfectPay account with an expired CNIC, as a valid CNIC is required for verification purposes. It is recommended to renew your CNIC before registering.

No, PerfectPay can only be used in Pakistan.

You must use your own mobile number to receive the OTP (One-Time Password). Without it, you won’t be able to access your account. It is, therefore, recommended to set up or access your PerfectPay account using the mobile number you are actively using.

No, you can only open one PerfectPay account per CNIC.

PerfectPay provides a wide range of financial services, including:

• Funds Transfer (Send money to anyone, anywhere in Pakistan).
• Bill Payment (More than 2000 service providers; all utility bills, Credit Card, Education Fees, Government Payments, etc.).
• Mobile Top-up (Prepaid, Postpaid, Bundles).

Any Pakistani citizen aged 18 and above can register for a PerfectPay wallet.

Any Business can register themselves with PerfectPay for enhanced business features like payroll calculation & disbursement.

You need a valid CNIC/NICOP and mobile number to open a PerfectPay account.

Currently, PerfectPay is only accessible through the Android or iOS mobile app.

Yes, all your information is encrypted and stored on our secure servers and data centers, which are not accessible to the public. Our servers are protected by firewalls and comply with all relevant security standards. We also offer two-factor authentication or biometric login options, to ensure high level of security.

There are 3 account levels with their respective account limits. You can view your limits at any time in your profile on the PerfectPay Account.

You can upgrade your wallet limits from ‘Account Settings’ in the side menu of your PerfectPay app.

Yes, PerfectPay is accessible through the Android and iOS mobile app.

There is no fee for downloading or registering on PerfectPay.

• PerfectPay to PerfectPay account transfer is free of charge.
• IBFT up to Rs. 25,000/month is free.

No, there is no requirement to maintain a minimum balance in your PerfectPay wallet. You can use it freely for your financial needs, as per your convenience.

This means your account is currently under verification based on the details you provided during registration. Account approval may take up to 1-2 working days. You shall receive a notification or SMS once your account is approved.

If you encounter any issue or delay, you can contact PerfectPay customer support for assistance.

Your PerfectPay wallet PIN is a 5-digit code used for logging into the app and for completing transactions. For security reasons, it is strongly recommended that you do not share your PIN with anyone.

If you’ve forgotten your PerfectPay wallet PIN, you can reset it by following these steps:

1. Open the PerfectPay App: Go to the login screen.
2. Select “Forgot PIN”: Choose this option.
3. Verify Your Identity: Follow the prompts to verify your identity, which may include answering security questions or receiving a verification code via SMS or email.
4. Set a New PIN: Once your identity is verified, you’ll be able to set a new PIN.

Yes, once your PerfectPay account is approved, you may choose to enable fingerprint or face ID (Biometrics) to login to MyPerfectPay app. You always have the option to switch back to logging in via your PIN by disabling biometric login option.

You can easily send money from your PerfectPay to another PerfectPay account or to any other bank account using your PerfectPay account.

Sending money from one PerfectPay account to another is completely free of charges.

Sending money to any other bank account is free of charge if the amount is within Rs. 25,000. For transactions above that amount, charges will apply as per the Schedule of Charges.

• Login to your MyPerfectPay app
• Tap on ‘Send Money’
• Select ‘PerfectPay’ transfer type
• Enter account number
• Enter amount
• Verify details and transfer

• Login to your app
• Tap on ‘Send Money’
• Select ‘Bank Transfer’
• Enter account number
• Enter amount
• Verify details and transfer

Yes, you can send money from other banking apps to your PerfectPay account. Simply use the transfer option in your banking app, select PerfectPay from the bank list, and enter your PerfectPay account number to complete the transfer.

You can add cash to your PerfectPay account through following ways:

• Add cash with bank transfer
• Cash Deposit Machine (CDM)

PerfectPay does not charge its customers for any incoming transfers. However, the sender may be charged by their bank.

You can pay for electricity, gas, telephone, internet, water, and various other bills (2000+ service providers) through PerfectPay app.

• Login to your app
• Tap on ‘Payment’
• Select the bill that you want to pay
• Choose bill company from the dropdown menu
• Enter Consumer/ Reference number
• Verify bill details and pay

You might be unable to pay utility bills from your PerfectPay+ app due to following reasons:

• Incorrect Consumer/ Reference number

Solution: Enter correct Consumer/Reference number

• Insufficient account balance
  Solution: Add cash to your account.
• You have consumed your transactional limits Solution: Upgrade your account level

Paying bills from PerfectPay+ app is free of any charges.

PerfectPay+ does not charge any fees for sending mobile load through your PerfectPay+ account. However, your mobile service provider may apply charges/taxes for the mobile load transaction.

PerfectPay+ does not charge any fees for sending mobile load through your PerfectPay+ account. However, your mobile service provider may apply charges/taxes for the mobile load transaction.

You can edit the payment details before the transaction is submitted. The transaction cannot be reverted once it is completed. You are requested to recheck the transaction at ‘Review Details’ screen before the request is processed.

Yes, you can easily pay your postpaid bill using your PerfectPay+ account. Simply select ‘Postpaid’ from the ‘Mobile Loads & Packages’ option and enter your postpaid number to complete the payment.

To create a custom mobile package:

1. Login to Your App: Access your PerfectPay account.
2. Tap on ‘Mobile Loads & Packages’: Navigate to this section.
3. Select ‘Make Your Own Package’: Choose this option.
4. Enter the Required Details: Input the desired minutes, messages, data, and validity period.

PerfectPay will recommend available bundles according to your specified needs.

The self-service feature allows you to view and manage the self-service options available from all major telecom providers.

Ordering your PerfectPay debit card is quick and easy. Follow these steps:

1. Access the Cards Section: Open your PerfectPay wallet and navigate to the cards section from the footer.
2. Agree to Terms: Accept the terms and conditions.
3. Provide Your Address: Enter the delivery address for your card.
4. Choose Your Card: Select the desired card scheme.
5. Review and Confirm: Double-check your details and confirm your order.

You’ll receive a tracking number on the screen, which you can use to monitor the delivery status of your card. Your card should arrive within 3-5 business days.

To activate your PerfectPay debit card, follow these simple steps:

1. Navigate to Activation: Go to the card section from the footer of the dashboard and click “Activate Card.”
2. Enter Card Details: Provide your 16-digit card number and expiry date on the new screen.
3. Verify with OTP: An OTP will be sent to you for verification; enter it to proceed.
4. Set Your PIN: Create a 4-digit PIN for your card.

If your card is lost or stolen:

• Freeze Your Card: Immediately freeze your card through the app to prevent unauthorized use.
• Contact Support: Call our helpline at 042-111-344-488 to permanently block the card and request a replacement.

Freeze: Use this option if you believe you may have misplaced your card. Freezing temporarily disables the card, limiting transactions. Recurring payments, such as subscriptions, will still be processed. You can unfreeze your card at any time through the app.

Block: If your card has been lost, compromised, or stolen, block it immediately. Once blocked, the card cannot be unblocked, and you will need to order a new one as a replacement.

To change your ATM PIN, follow these steps:

• Access Card Controls: Navigate to “My Card” in the PerfectPay mobile app.
• Change PIN: Select “Card Controls” from the dashboard, then click “Change PIN.” Enter your old PIN, followed by the new one. Once validated, your PIN will be updated.

You’ll receive notifications 30 days before and on your card’s expiration date, reminding you to replace it. To request a new card, simply tap the in-app notification or the “+” icon in the Cards tab.

To request a card replacement, simply tap the in-app notification or the “+” icon in the Cards tab. Or please call our helpline at 042-111-344-488

If your card is captured by an ATM:

• Visit the Branch: Go to the specific ATM branch and speak with the manager. The bank typically holds cards for 2 days. Bring your CNIC for identity verification.
• Contact Us: If the bank cannot return your card due to verification issues, call our helpline at 042-111-344-488 and provide the bank’s name. We will reach out to resolve the issue.
• Return of Card: If the ATM-captured cards are sent back to us, we will promptly return them to the respective users.

If the courier status shows your card was delivered and signed for, but you haven’t received it:

• Check with Family/Neighbours: Confirm if someone accepted it on your behalf.Contact
• Support: If the card was delivered to the wrong address, contact us via WhatsApp or our helpline at 042-111-344-488, and we’ll investigate and resolve the issue.

If your address is outside Our courier service range:

Provide an Alternate Address: Contact us via WhatsApp or our helpline at 042-111-344-488 with a complete and accurate alternate address where you can receive the card.

If you’re having trouble using your card for a physical purchase:

• Check if the Card is Frozen: Unfreeze your card via the app if needed.
• Verify the PIN: Ensure you’re entering the correct PIN. You can reset it from the app under “Card Controls.”
• Check Your Balance: Confirm that you have sufficient funds in your wallet.

If the issue persists, contact us via our helpline or WhatsApp support at 042-111-344-488. Provide the following details:

• The amount of the transaction.
• The location where you tried to use your card.
• Whether you tried to pay by inserting or tapping the card.
• A screenshot of the error message displayed.

1. You may contact us via following means:
2. Email to support@myperfectpay.com
   Call our Helpline; (042) 111 344 488
3. Contact form available on the Website
4. Through the PerfectPay Application

You can request the closure and deletion of your account details through any of the following methods:

• In-App Support: Use the in-app customer support to submit your account deletion request.
• Call Center: Contact our support team by dialing 042-111-344-488 and ask our agents to close and delete your account.
• Email: Send an email to support@myperfectpay.com with a request to close and delete your account.