Domain Investigation Report
Report generated: Dec 19, 2025
nayapay.pk
http://nayapay.pkWhy we think so?
NayaPay is a licensed fintech platform in Pakistan offering digital wallets, bill payments, and money transfers. It enjoys good app ratings (4.1–4.2 stars) and regulatory backing from the State Bank of Pakistan. Users appreciate its clean interface, virtual Visa card, and local to international payment features. However, some face issues with customer support responsiveness, account blocks, card delivery, and unauthorized charges. There's no evidence of widespread scams or legal disputes. Overall, NayaPay appears legitimate but with typical fintech service challenges.
Risk Insights
Strong Regulatory Backing
- Licensed Electronic Money Institution under Pakistan's State Bank
- No enforcement or penalty notices found
- Regulation adds trust and legal oversight
Mixed User Experience
- Good app ratings: ~4.1–4.5 stars
- Common complaints: customer support delays, account blocks
- No evidence of fraud or scam patterns
Clean Technical Safety Signals
- No blacklist or phishing flags detected
- Google Safe Browsing shows no risks
- Official contact details available on site and social media
Category Scores
Red Flags & Warnings
- Several users report delayed or unresponsive customer support, especially for complaints about blocked accounts or refunds.
- User complaints include unexpected account blocking and card delivery issues, which can affect service reliability.
Detailed Checks & Insights
0-100 Scale
Domain traffic and engagement
Score: 40
Domain traffic and engagement
Reason: No measurable website visits or engagement detected by SimilarWeb, likely reflecting app-based usage.
Contact information and transparency
Score: 80
Contact information and transparency
Reason: Official phone numbers and active social media profiles are available, supporting legitimacy.
Regulatory status check
Score: 95
Regulatory status check
Reason: NayaPay is licensed as an Electronic Money Institution by Pakistan's State Bank without known enforcement issues.
Scam and blacklist status
Score: 90
Scam and blacklist status
Reason: No listings on scam or phishing blacklists and no Google Safe Browsing risk detected.
User reviews and reputation
Score: 85
User reviews and reputation
Reason: App stores show mostly positive reviews with some service complaints but no widespread scam claims.
Legal and dispute records
Score: 95
Legal and dispute records
Reason: No public lawsuits or major disputes involving NayaPay or its parent company found.
Your Next Steps
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1
Use official app stores for downloads to avoid fake versions.
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2
Enable two-factor authentication and keep your PIN/OTP private for security.
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3
Keep records of important transactions and receipts for dispute resolution.
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4
Be cautious with recurring international subscriptions to avoid unexpected charges.
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5
Contact NayaPay support or State Bank of Pakistan for unresolved issues or suspicious activity.
Evidence & Citations
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NayaPay generally has good app ratings but some recurring complaints about support and account blocks
Summarizes user feedback, ratings, and common complaints on multiple platforms.
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Nayapay.pk scam report overview with regulatory and user review details
Details regulatory licensing, trust indicators, and scam report investigation.
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Nayapay secured $13 million funding and launched global QR payments
News articles supporting business activity and legitimacy.
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