BISP’s New Payment System, Benazir Income Support Program (BISP) was launched in 2008 and is Pakistan’s largest social program. It is one of the largest cash transfer programs in Pakistan. It is designed to help the growing demand for unemployed and vulnerable families. For the past 17 years, this program has been a source of employment for millions of households. This program is working to provide direct financial assistance to poor women.The aim of this program is to financially support poor citizens in Pakistan and play a significant role in meeting their needs.
Also Read BISP’s New Payment System 
Table of Contents
Background: Why the Old System Needed Change
👩👧 Overcrowding and health hazards: Women often brought their children along, due to which they had to face many problems.
☀️ Excessive heat: Due to bad weather, accidents often occurred because of standing in long queues.
🚶 Travel expenses: Some people had to travel long distances to collect their money, due to which a large part of their money was spent on transport.
💸 Fraud: Most people charged a fee to get money from eligible women.
📑 Limited transparency: Those receiving benefits did not have receipts, which meant their complaints were not being fully processed.
The New Retail-Based Payment Model for BISP’s New Payment System
Keeping these issues in mind, BISP’s New Payment System introduced a new system on June 16, 2025, under which the payments to the deserving people are delivered in a good, quick and efficient manner:
How it Works
🏬 For those receiving money: It should be collected from permanent shops instead of temporary camps.
🆔 Verification: Should be done biometrically using National Identity Card (CNIC) data.
🧾 Receipt: As soon as they receive the money, they should be given a printed receipt along with their money.
🏡 For villagers: They can get money from their nearest general store.
Benefits of BISP’s New Payment System
⚡ Convenience: The aim of this program is to make people wait less and get their money delivered to them faster.
☂️ Safety: Those who receive money will avoid standing in severe weather.
📑 Transparency: No money will be received without digital linking and receipt.
🏪 Accessibility: General stores are close to every home and money can be obtained from them at any time.
This program has created a new convenience for those who receive money from this new change, which allows them to receive money whenever and wherever they want, instead of having to go to large crowds and large campuses.
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Although the government has played a key role in addressing the immediate challenges and envisioned a cashless and digital-first system, the BISP and the State Bank of Pakistan (SBP) scheme will make it easier for people to access their money.
Key Features
🗓️ Timeline: Started from July 2025, accounts of the recipients will be opened and credit card system will be started in them on August 15, 2025.
📍 Coverage: Major districts including Muzaffargarh have been included in the scheme.
🖐️ Biometric First: The recipients will be biometrically verified first and then their money will be handed over to them.
📱 Digital Wallets: It has been allowed to deposit and pay, transfer or send money electronically.
🏧 ATM Card Usage: Now the recipients can withdraw their money from any nearby ATM.
🔒 Security: Two major systems have been incorporated in authentication and real-time monitoring to prevent fraud.
Why It Matters
The presence of women in the scheme indicates that for the first time, bank accounts will be opened for millions of poor women, through which they can access their money through banks or ATMs.
🏦 They can keep their money safe in the bank.
🛡️ They can also get their money insured.
✨ Through this, they can live a life of dignity in the society.
Partnerships with Banks and Cost Savings for BISP’s New Payment System
In 2024 and 2025, BISP’s New Payment System has tied up with six major banks so that the beneficiaries can get their money quickly and easily. In this regard, agreements have been signed with major banks of Punjab, whose names are as follows:
🏦 Bank Alfalah
🏦 Bank of Punjab
🏦 HBL Microfinance
🏦 Telenor Microfinance Bank
🏦 Mobilink Microfinance Bank
🏦 Habib Bank Limited (HBL)
BISP’s New Payment System has tied up with these banks so that women can get their money as soon as possible.
Impact of Multi-Bank Model
The more this scheme is expanded, the more ninety-three million needy people can be served across the country:
💰 Saving two million rupees can help the poor and the working class
🏧 Those who receive larger amounts can get their money from any branch, nearest general store, shop, or ATM
📊 Better monitoring is effective in making this scheme more effective
This can help the needy people get their dues, improve the economic conditions of Pakistan and provide relief to the villages of Pakistan.
Old vs. New Payment System — A Comparison
| Feature | Old Payment System | New Payment System (2025) |
|---|---|---|
| Mode of Payment | Payments mostly through designated banks or specific agents | Payments through multiple banks, ATMs, retail shops, and biometric agents |
| Accessibility | Limited — beneficiaries often had to travel far to get payments | Wide network — beneficiaries can withdraw from nearest bank, shop, or ATM |
| Verification Method | Manual verification — often caused delays | Biometric verification ensures transparency and quick disbursement |
| Time Taken | Long queues, waiting hours to collect money | Fast process, money can be withdrawn anytime |
| Transparency | Chances of corruption, middlemen exploitation | Better monitoring and digital tracking reduces fraud |
| Convenience for Beneficiaries | Difficult for women and elderly due to long-distance travel | Easy, secure, and nearby withdrawal options |
| Coverage | Limited number of payment centers | Nationwide expansion with thousands of access points |
| User Experience | Complaints of mismanagement and deductions | Improved, user-friendly, and secure system |
Real-Life Impact: A Beneficiary’s Perspective for BISP’s New Payment System
A widow from Muzaffargarh, named Shazia, tells her story. Under the old system, when she used to go to the campus to collect her money, it used to take two to three hours to travel and due to bad weather, her health also deteriorated. She often returned home late at night and sometimes the agents would keep a part of the money from her to withdraw it, due to which she suffered a lot and the original price of it did not reach her.
Now, due to the current system, Shazia can collect her money from any shop near her in 15 minutes and the shopkeeper gives her a receipt, which ensures that the money reaches her. And due to the system of detail banking, Shazia now has a bank account and a debit card, due to which she can withdraw her money from any of her banks. Now she has the right to transfer her money herself financially.
There are many more stories like Shaz’s in our country. This story explains how this technology-driven system is changing our lives, especially for women who rarely leave the house and have to wait for hours to get their money. Now they can get their money in just a few minutes.
Potential Integration with Raast for BISP’s New Payment System
Raast is a program launched in Pakistan in 2021 under which their transactions were done instantly in a 24/7 free real-time instant payment system
⚡ Payments were credited directly to the payers’ accounts immediately
⚠️ After a long period, payers or agents would cheat them
💸 There were low transaction costs for the government
👩🦰 Women should be included in the modern system for their payment so that they can get their money as soon as possible
Challenges in Implementation
This scheme is proving to be very successful but it still faces many problems:
📶 Infrastructure Gaps – Due to weak internet in these mostly rural areas, biometric process is not done properly due to which some women do not get their money
📢 Limited Awareness – Many areas or many provinces like Sindh and Balochistan are not aware of digital banking
👥 Lack of Staff – There are not enough people organized to make this system effective and large
📩 Complaint Handling – Many problems are faced due to not receiving the full amount due to which they do not get the corresponding amount
Recommendations for BISP’s New Payment System
To make the new system effective in the scheme, we have to follow the following instructions:
👥 Arrange the staff and agents: Arrange the staff and agents as much as possible
⚙️ Improve the system service: Improve the system service
📢 Awareness campaign: We should go to rural areas and small towns and run a campaign about this scheme so that people know about it
☎️ A helpline for complaints: A helpline for those who have complaints and a committee should be selected for complaints to take immediate action on their complaint
Future Outlook
BISP’s New Payment System, the scheme is a future digital, transparent and inclusive scheme. Due to the scheme, many poor people have got homes and many people are living a better life. With digital banking, real-time integration, real-time integration and retail outlets, Pakistan has created a model due to which our country will be better which can also influence other developing countries.
These are the reforms that can improve our country and empower women along with financial freedom. Due to this, women can start their own business and bring improvement in our country.
Conclusion
BISP is not just a scheme but a historic and big name in one of the social welfare scenarios of Pakistan. This scheme intercedes for those who receive their money through retail outlets, bank partnerships, bank digital and offers them choices.
It gives them the ability to change over time. It makes them respectable in society and empowers women by using things like receipts, accounts, debit cards and bank deposits. BISP not only distributes money but also provides financial assistance to millions of poor families in the country, with which these families meet their daily living needs. It supports the country to improve the conditions of the country.
What is the new BISP payment system?
The new BISP payment system, introduced in 2025, replaces traditional campsite distributions with retail outlet disbursements and digital banking solutions. Beneficiaries can now collect payments from nearby outlets, bank branches, or ATMs with biometric verification and receive printed receipts for transparency.
How do beneficiaries collect payments under the new system?
Beneficiaries need to visit an authorized retail outlet or bank branch with their valid CNIC. After biometric verification, they receive their stipend in cash along with a printed receipt. In areas where digital banking is introduced, beneficiaries may also access funds through ATMs, debit cards, or digital wallets.
What are the benefits of the new BISP payment system?
The system provides multiple benefits:
Transparency: Digital logs and receipts reduce fraud.
Convenience: Payments can be collected closer to home.
Dignity: Women no longer have to stand in long queues at campsites.
Financial Inclusion: Beneficiaries gain access to digital accounts, debit cards, and savings opportunities.
Cost Savings: The government saves approximately Rs. 2 billion annually through banking partnerships.
What is the digital banking pilot under BISP?
The digital banking pilot, launched in mid-2025, aims to provide each beneficiary with a bank account. Payments are transferred directly into these accounts, which can be accessed via ATMs, debit cards, or mobile wallets. This reduces human involvement and expands financial inclusion.
How does Raast integration benefit BISP beneficiaries?
If integrated with Raast, Pakistan’s instant payment system, BISP payments could be transferred directly into beneficiaries’ accounts in real time. This would make the process faster, cheaper, and more convenient, allowing beneficiaries to access funds 24/7 without relying solely on outlets.
