The Benazir Income Support Programme (BISP) is doing it again — taking a historic leap towards digital financial inclusion in Pakistan. From October 2025, beneficiary women registered under the BISP Kafalat and Taleemi Wazaif schemes will start getting their payments directly through the BISP digital wallet payment system using mobile wallets like EasyPaisa and JazzCash.
This much-awaited transition is a major step towards Pakistan’s progress in transparency and financial empowerment. The BISP digital wallet payment method minimizes the role of go-betweens and empowers millions of poor women to easily and securely handle money from their mobile phones.
Why BISP Is Going Digital Wallets
For years, BISP beneficiaries used to receive their stipends from local campsites or payment agents. Such old practices typically brought long lines, harassment, delays, and even unauthorized deductions.
Under this new BISP digital wallet payment scheme, BISP expects to free itself from such issues. The primary objectives for switching are:
- Fostering Transparency: Direct transfers to the BISP digital wallet payment system cut down on middlemen and corruption.
- Saving Travel Expenses: Beneficiaries no longer need to travel to faraway camps or agents.
- Enhancing Safety: Withdrawals are made close to home, ensuring safety and comfort.
- Empowering Women Digitally: Women gain experience using mobile banking and managing money independently through the BISP digital wallet payment feature.
This digital approach aligns with Pakistan’s Digital Financial Services Strategy and international best practices in secure electronic government payments.
How the New Wallet System Works
Under the 2025 policy, every eligible woman’s CNIC will be electronically linked to a mobile wallet in her name through the BISP digital wallet payment mechanism.
It’s simple:
- Wallet Creation: BISP links each beneficiary to a wallet via EasyPaisa, JazzCash, or a partner bank.
- Funds Transfer: Kafalat stipends and Taleemi Wazaif are transferred directly via BISP digital wallet payment.
- Cash Withdrawal: Money can be withdrawn easily from local agents, retailers, or ATMs.
- Digital Payments: Beneficiaries can pay bills, top-up mobiles, or save money through their BISP digital wallet payment account.
This system replaces the traditional physical camp payout process, making payments faster, secure, and more convenient.
Beneficiary Requirements
To get payments via EasyPaisa or JazzCash using the BISP digital wallet payment system, ensure you meet these requirements:
- You must be a Pakistani citizen with a valid CNIC.
- You must have a mobile phone with an active SIM.
- The SIM should be registered in your name.
- You must be authenticated as eligible via the 8171 portal or SMS system.
Important: If your SIM is registered under another person’s CNIC, your BISP digital wallet payment will be declined.
Partner Banks & Wallet Coverage
The BISP digital wallet payment system will be rolled out in phases, starting with selected districts:
| Partner Bank / Provider | Wallet Platform | Coverage Areas |
|---|---|---|
| Telenor Microfinance Bank | EasyPaisa | Rural & Urban Areas |
| Mobilink Microfinance Bank | JazzCash | Urban & Semi-Urban Areas |
| HBL (in collaboration) | HBL Konnect | ATM & Agent Network |
Stay tuned to 8171 SMS updates and official BISP announcements for district-wise BISP digital wallet payment rollout dates.
Activating Your Digital Wallet
Follow these steps to start receiving your BISP digital wallet payment:
- Verify Eligibility: Send CNIC to 8171 or check the BISP portal
- Validate SIM Ownership: SIM must be registered against your CNIC.
- Visit Partner Counter: Go to the nearest partner bank or BISP office.
- Activate Wallet: Register your number, share your CNIC, and set a PIN.
- Receive Payments: Wait for confirmation SMS before cash withdrawal.
- Withdraw Safely: Only use authorized agents or ATMs for your BISP digital wallet payment transactions.
Troubleshooting & Complaint Handling
If you face problems with your BISP digital wallet payment, here’s what to do:
- Failed Transfers: Keep SMS notifications and call the BISP helpline (0800-26477).
- Illegal Deductions: Lodge complaints at your tehsil BISP office or online portal.
- Technical Errors: Contact EasyPaisa or JazzCash helplines with your transaction ID.
- Lost SIM: Re-register a new SIM under your CNIC to restore your BISP digital wallet payment access.
How Digital Wallets Help — A Real-Life Example
Take Amina from rural Sindh. She used to travel hours to payment camps, spending money on transport and paying agents.
Now, through the BISP digital wallet payment, she receives money instantly and withdraws it nearby. She saves time and uses the extra money on her children’s education and healthcare — a real success of the BISP digital wallet payment initiative.
Anticipated Rise in BISP Payments
Reports suggest an increase in BISP digital wallet payment amounts may begin in January 2026 (pending official confirmation):
- +Rs. 1,000 for Kafalat allowances
- +Rs. 500 for Taleemi Wazaif
Always confirm such updates via 8171 SMS or the official BISP website before trusting social media claims.
Advantages of BISP Digital Payments
- Quicker payments without long queues.
- BISP digital wallet payment ensures direct transfers and zero middlemen.
- Transparent, fraud-free financial system.
- 24/7 convenience for withdrawals or payments.
- Promotes women’s financial inclusion and empowerment.
Frequently Asked Questions
Q1: Can I get BISP payments if my SIM is not in my name?
No. Your SIM must be registered under your CNIC to activate the BISP digital wallet payment.
Q2: What if I don’t have a phone?
You must buy a phone and register your SIM with your CNIC to receive the BISP digital wallet payment.
Q3: Will I still be able to use ATMs?
Yes. HBL Konnect users can use ATMs, while EasyPaisa and JazzCash users can use nearby agents or ATMs (where available) for BISP digital wallet payment withdrawals.
Conclusion
The BISP initiative to pay directly via EasyPaisa and JazzCash is a groundbreaking reform in Pakistan’s welfare system. It modernizes how government support reaches millions of women, ensuring speed, safety, and transparency in every transaction.
This shift toward digital payments not only simplifies the process but also helps women like Amina gain independence, financial confidence, and stability.
For millions of families under BISP, this is not just a technical improvement — it’s the beginning of true financial empowerment.
