About NIFT
Welcome to the world of NIFT

National Institutional Facilitation Technologies (Pvt.) Limited. NIFT is the only Automated Cheque Clearing House and the prominent Payment System Operator in Pakistan.

Electronic-Image Based Clearing (IBCS)

IBCS essentially requires conversion of the physical cheque in an electronic form and the converted electronic form of document moves forward as an authentic document for processing including fate decision making. NIFT has been working along with SBP and PBA member banks to prepare processes and guidelines regarding the IBCS. All stakeholders understand that it is now time to leapfrog into this direction and bring changes through technological innovation by replacing the old process of financial instrument movement and handling by implementing Image Based Clearing.


NIFT eCheque is the digital version of conventional paper cheques for Banking Customers. eCheque is the digital issuance, lodgment and clearing of an electronic cheque through Bank’s digital channel that carries all the paper cheque requirements. On top of all existing offering of paper cheque, an eCheque offers enhanced convenience and security since it will be digitally signed by Payer bank. After a verification process, the echeque may be added in the Electronic-Image Based Clearing System (IBCS) cheque clearing cycle for quicker clearing and settlement.


Safeguarding your children’s education, your investments and your future, NIFT systems move the Country forward. Explore turn-key national projects we have executed.

Citizen’s Database (VeriSys); NADRA – 2000 to 2001

NIFT’s wholly owned subsidiary, ISM executed one of the largest image archiving projects in the world. ISM image-archived and tagged 61.58 million national census forms to establish the first citizen data warehouse in Pakistan by NADRA.

Utility Payment Processing – 2001 till date

NIFT provides revenue automation services through scanning and data entry. We help process utility bill stubs for reconciliation and settlement for SNGPL, PTCL, K-Electric & KWSB.

BISE Automated Results Compilation Project – 2012 – Till Date Results Tabulation

NIFT has automated the results compilation process for all ‘9’ of the Boards of Intermediate and Secondary Education, Punjab. The project started in early 2012 and NIFT has successfully completed eight cycles of Results compilation for Intermediate as well Matriculation Annual and Supplementary Examinations. Our work involved printing, scanning, data extraction through ICR/OMR, data entry, quality assurance, results compilation and reporting.

Business Partners

DigiCert Logo

DigiCert Inc.

DigiCert is the world’s premier provider of high-assurance digital certificates, providing trusted SSL, private and managed PKI deployments, and device certificates for the emerging IoT market. Since its founding almost fifteen years ago, they’ve been driven by the idea of finding a better way, a better way to provide authentication on the internet, a better way to tailor solutions to its customer’s needs.

To learn more visit: Digicert

Feitian Logo

Feitian Technologies

Established in 1998, Feitian Technologies shine as innovators in security technologies and applications. Feitian’s major business covers Software Protection, Strong Authentication, Smartcard COS and Peripherals. They focus on smartcard and chip-operating based systems. Feitian cooperates closely with global leading smartcard chip providers, serves customers around the world with cutting edge and low-cost technologies. Specialties include: OATH OTP Solutions, Strong Authentication, Smartcard COS and Peripherals, and PKI Solutions.

To learn more visit: Feitian Technologies

TPS Logo


TPS is a leading provider of cards and payment solutions, powering digital payments for various commercial and central banks, telecoms, processors and financial institutions. With our diverse experiences in cashless payment systems, we offer real-time payment capabilities enabling our clients to minimize time-to- market, unlock new revenue streams, reduce risks and control costs.We are a trusted payment solution provider for more than 20 years. Our cutting-edge, future-proof payment solutions are synonymous with trust, reliability and scalability.

To learn more visit: TPS