About NIFT

Your finances flow seamlessly between banks every day, because NIFT looks after the processing and settlement. 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 for Cheque Clearing and Digital Payment Gateway, is playing a vital and proactive role in modernizing the payment system while supporting large value inter-bank and retail transactions.
An efficient and effective digital payment processing is the responsibility of all the stakeholders of the system and requires management of the ever-evolving challenges and risks. NIFT is gearing up for the paradigm shift of digital transformation and adopting the changing market dynamics for providing of most advanced and acceptable financial services in the country. NIFT ePayment Gateway (NIFT ePay), NIFT Image Based Clearing System (NIFT eClearing) and NIFT Digital Cheque (NIFT eCheque) are some of the initiatives being undertaken to harness the potential of digital payments followed by other services in upcoming future. These initiatives and efforts will complement the NIFT’s vision by facilitating the development of efficient, effective and robust products for the payment system of the country.
Our services offerings are:

  • NIFT eClearing - Automated and Electronic Cheque Clearing
  • NIFT ePay - Digital Payment Gateway (to Merchants and Banks)
  • NIFT eTrust - Digital Identity Management (PKI Certificates Issuing Authority)
  • NIFT eCheque – Digital Cheque Issuance, Processing and Settlement  
  • Reconciliation and Settlement Services


  • NIFT’s vision is to provide robust E-Commerce Products & Payment Gateway to its customers.
  • Ensure efficient and timely settlement of Cheque Clearing Service and Digital Payment transactions between member banks.
  • Persistently retain confidence and trust of our services on our Member banks and partners.
  • Provide reliable platform to our customers on Digital Identity (PKI) Certificates.
  • Provide recon and settlement service to Utility companies other customers.


NIFT mission is to provide efficient, effective and reliable Payment Processing systems / products to Banking Industry as well as to E-Commerce Merchants while ensuring the needs and convenience of their customers. We focus on our customers as an active component in growth process and continue to offer services that expand their access to excellent and affordable technologies.


We will draw from the respect we have earned as Trusted Payment System Operator (PSO) and will become a distinctive organization known for innovative use of technology to continually improve products and services for the benefit of our customers and keep them abreast with times to compete in the digital era.

Core Values

  • Innovation
  • Perseverance
  • Efficiency
  • Reliability
  • Eminence


NIFT – National Institutional Facilitation Technologies (Pvt) Limited was incorporated in September 1995, as a joint venture between consortium of six major Pakistani banks and Entrepreneurs from the private sector.

Looking back to the proven track of NIFT, the Automated Clearing House commenced operation in 1997 from Karachi and gradually spread its network to 27 centers in major cities of Pakistan and Azad Kashmir, hence serving over 13,400 banks-branches of 41 Commercial / Microfinance Banks and National Saving Centers (CDNS) in over 500 cities and towns.
NIFT has been licensed and nominated by SBP as a PSO and PSP under the Rules for Payment System Operator (PSO) and Payment Service Provider (PSP) issued by State Bank of Pakistan under the PS&EFT Act 2007, to provide an electronic platform for clearing, processing, routing and switching of electronic transactions. We are certified ISO 9001-2000 for Clearing Services and ISO 27001 for Information Security Services.
We are responsible for the efficient and safe operation of Automated Cheque Clearing System and provision of Public Key Infrastructure for issuance of digital certificates to promote secure financial transactions and to offer E-Commerce and Payment Gateway services which bring efficiency and convenience in the operations of our customers.

As a premier Payment System Operator (PSO), NIFT is committed to deliver efficient, swift, secured and convenient inter-bank payment system in which economic growth can further thrive.