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 geared up for this paradigm shift of digital transformation by adopting the changing market dynamics for providing of most advanced and acceptable digital 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


  • Enable a Digital ecosystem empowering the nation.
  • Enable banks with ease of access to Efficient, Reliable and Affordable Cheque Clearing and Digital Payment Solutions.
  • Focus on our customers and partners as an active component in growth process with Confidence and Conviction.


  • Provide robust e-Commerce platform, Digital Products and Cheque Clearing Services to our customers securely, conveniently, and cost effectively.
  • Ensure efficient and timely settlement of Cheque Clearing Service and Digital Payment transactions.
  • Provide secure platform to our customers via Digital Identity (PKI) Certificates.


  • As Trusted Payment System Operator (PSO) to be known for innovative technology with a zeal to continually improve products and services befitting our customers.

 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.