BIBI-ECART — Enterprise Payment Infrastructure | Powered by Fresh Deal Zone
SBP-Registered Payment Aggregator

Enterprise Payments,
Radically Simplified.

BIBI-ECART delivers a secure, high-performance payment gateway built for Pakistan's digital commerce ecosystem. One integration. Every payment method. Zero compromise.

Start Integrating → See How It Works
99.9%
Platform Uptime
<1.8s
Processing Speed
5,000+
Active Merchants
PCI-DSS
Level 1 Certified
✅
Transaction Approved
Rs 24,500 · 1.2s ago
🔒
256-bit Encrypted
All channels secured
Merchant Dashboard Live
Rs 2.4M
Total processed today
↑ 18.4%
Recent Transactions
🛒
ShopLink Commerce
2 min ago · Card
+Rs 8,400
Settled
🏪
ZaraMart Online
5 min ago · JazzCash
+Rs 3,200
Settled
📦
Karachi Goods Co.
12 min ago · Bank Transfer
+Rs 56,000
Processing
Volume · 10 DaysJul 2025
🏦 Integrated with 15+ Pakistani Banks 📱 Supports JazzCash & EasyPaisa 💳 Visa · Mastercard · UnionPay 🔐 3D Secure 2.0 Authentication ⚡ Instant Settlement Available 🏦 Integrated with 15+ Pakistani Banks 📱 Supports JazzCash & EasyPaisa 💳 Visa · Mastercard · UnionPay 🔐 3D Secure 2.0 Authentication ⚡ Instant Settlement Available
User Journey

From Checkout to Confirmed
in Seconds

We've re-engineered every millisecond of the payment journey — from the moment a customer clicks "Pay" to when funds land in your account.

01
🔌

One-Time Integration

Connect via REST API or install a ready-made plugin. Full sandbox included. Average go-live time: 24 hours.

02
🛍️

Customer Initiates Payment

Your customer selects their preferred method — card, mobile wallet, or bank transfer — at your branded checkout.

03
🔒

Encrypted Processing

Our gateway authenticates and routes the transaction through our secure banking network with real-time fraud scoring.

04
✅

Settlement & Reporting

Funds settle on schedule. Monitor every transaction, generate reports, and manage refunds from your dashboard.

About BIBI-ECART

Built for Pakistan's Digital Commerce Future

BIBI-ECART, powered by Fresh Deal Zone, is a next-generation payment aggregator bridging the gap between Pakistani businesses and their customers with reliable, affordable payment infrastructure.

⚡

Instant Onboarding

Minimal documentation. Maximum speed. Go live in 24 hours or less with dedicated onboarding support at every step.

🛡️

Bank-Grade Security

PCI-DSS Level 1 compliant. End-to-end encryption, tokenization, and ML-powered fraud prevention on every transaction.

📊

Intelligent Dashboard

Real-time analytics, automated settlement reports, refund workflows, and dispute management in one unified interface.

🌐

Multi-Currency Support

Accept PKR and major international currencies. Expand your addressable market without additional integration complexity.

Performance Overview System Operational
PKR 2B+
Total Transactions Processed · 2025
5,000+
Active Merchants
24/7
Technical Support
15+
Banking Partners
<48h
Dispute Resolution
Transaction Success Rate99.2%
Fraud Prevention Accuracy98.7%
Merchant Satisfaction Score96.4%
Platform Uptime (12 months)99.9%
Supported Platforms

Plug In Anywhere
You Sell

Native integrations for every major platform. Custom enterprise integrations available on request.

WooCommerce

Official WordPress plugin enabling BIBI-ECART checkout on any WooCommerce store. Install, configure, and accept payments in minutes.

Plugin Available

Shopify

Native Shopify app with full order sync, automated refund processing, and analytics accessible directly from your Shopify admin panel.

App Available

Magento / Adobe Commerce

Enterprise-grade payment module for Magento 2.x with multi-store support, B2B payment flows, and advanced order management.

Module Available

OpenCart

Lightweight OpenCart extension that activates BIBI-ECART at checkout without any custom coding or server configuration required.

Extension Available

REST API

Build a fully custom payment flow using our RESTful API. Comprehensive documentation, sandbox environment, and developer support included.

Developer Friendly

Mobile SDKs

Native SDKs for Flutter, React Native, Swift, and Kotlin. Add PCI-compliant in-app payments to iOS and Android commerce applications.

iOS & Android
Compliance & Policies

Transparent.
Accountable. Compliant.

We operate with complete transparency across all operational, legal, and security domains. Our policies protect both merchants and their customers.

BIBI-ECART is committed to protecting your personal and financial data. We collect only what is operationally necessary and apply the highest standards of data governance across all systems.

01 Data Collection

  • Only essential transactional and identity data is collected for payment processing purposes.
  • Card numbers are never stored — tokenization is applied at every point of card acceptance.
  • No unnecessary personal data is retained beyond legally mandated periods.

02 Data Sharing

  • Your data is never sold to third parties or used for advertising or profiling purposes.
  • Shared only with banking partners strictly as required to process transactions.
  • Government disclosure only under valid legal order, with user notification where permissible.

03 Your Rights

  • Request access to all personal data we hold about you at any time via your dashboard.
  • Request correction or deletion of inaccurate records within 7 business days.
  • Opt out of marketing communications with one click — always honoured immediately.

04 Compliance

  • Fully compliant with Pakistan's PECA 2016 and State Bank of Pakistan data guidelines.
  • GDPR-aligned data handling for international merchant and transaction support.
  • Annual third-party privacy audits; reports available to enterprise partners upon request.

Our refund policy is designed to protect both merchants and end customers, with clear timelines, transparent fees, and a dedicated dispute resolution team available at every stage.

01 Eligibility

  • Refund requests must be initiated within 30 days of the original transaction date.
  • Requests are submitted via the merchant dashboard or through our dedicated support channel.
  • Refunds are processed only for successfully completed transactions.

02 Processing Times

  • Credit & debit card refunds: 5–10 business days (issuing bank dependent).
  • Mobile wallet refunds (JazzCash, EasyPaisa): 1–3 business days.
  • Direct bank account refunds: 3–7 business days from approval.

03 Fee Structure

  • No additional fee for standard refunds initiated within 7 days of the transaction.
  • Refunds after 7 days may incur a processing fee per your merchant agreement.
  • Chargeback fees from the banking network are passed through at cost, no markup.

04 Dispute Resolution

  • Disputes are acknowledged within 48 hours of submission by our resolution team.
  • Merchants must provide supporting evidence within 5 business days of notification.
  • Final determinations are issued within 15 business days of complete submission.

Security is foundational to everything we build. Our infrastructure meets and exceeds international payment security standards, with continuous monitoring and independent audits conducted annually.

01 Infrastructure

  • 256-bit SSL/TLS encryption on all data in transit across every channel without exception.
  • AES-256 encryption applied to all sensitive data stored at rest across our systems.
  • Regular penetration testing conducted by certified third-party security firms.

02 Authentication

  • Two-factor authentication (2FA) is mandatory for all merchant portal accounts.
  • 3D Secure 2.0 enabled by default for all card-not-present transactions.
  • API keys are scoped, rotatable, and logged with complete audit trails.

03 Fraud Detection

  • Real-time ML-based fraud scoring applied to every transaction at point of initiation.
  • Velocity checks, device fingerprinting, and geo-IP anomaly detection running 24/7.
  • Suspicious transactions flagged instantly; merchants notified via dashboard and email.

04 Certifications

  • PCI-DSS Level 1 certified — the highest standard achievable in payment card security.
  • ISO 27001 certified information security management system.
  • SBP-registered payment service provider operating under full regulatory licence.

By using BIBI-ECART services, merchants agree to the following terms. These terms govern the relationship between merchants and BIBI-ECART / Fresh Deal Zone and are subject to periodic review.

01 Merchant Obligations

  • Merchants must provide accurate business, identity, and banking information at onboarding.
  • Prohibited business categories are strictly ineligible for BIBI-ECART services.
  • Merchants are solely responsible for order fulfilment, customer service, and product quality.

02 Fee Structure

  • Transaction fees are set per individual merchant agreement agreed at the time of onboarding.
  • All deductions are fully itemised in monthly statements with zero hidden charges.
  • Settlement and maintenance fees, where applicable, are disclosed prior to contract execution.

03 Account Termination

  • BIBI-ECART reserves the right to suspend accounts engaged in fraud or policy violations.
  • Merchants receive a 30-day written notice for non-compliance-related terminations.
  • All outstanding settlements are disbursed within 45 days of account closure.

04 Modifications

  • Terms may be updated with a minimum 30-day advance notice to all active merchants.
  • Continued use of the service following the effective date constitutes acceptance.
  • For legal queries, contact our compliance team through the official support channel.
Contact Us

Let's Build Something Together

Whether you're ready to integrate, need a custom solution, or simply have questions — our team responds within one business day.

📍

Al Rehman Chamber,
2nd Floor, Blue Area Islamabad Capital Territory

🕐

Monday – Saturday
9:00 AM – 6:00 PM (PKT)
24/7 Technical Support via Dashboard

Send Us a Message
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