As a Pakistani online shopper, living in 2025 and ignoring a digital aura is no other than foolishness. For you, this is the best time to enjoy convenience at its peak, thanks to smartphones and internet services. From online shopping in Pakistan to convenient payment options and instant home delivery service, what else’s that’s missing in the town? Moreover, with a trustable online shopping store in your pocket just like ARY Sahulat Bazar – the shopping experience overwhelms!
However, selecting the best
payment method is really a crucial task. Therefore, for online shopper who
wants a fair comparison between both – COD vs. Digital Payments, this
blog is all theirs. The blog breaks down what online shoppers in Pakistan
really prefer for payments, and more importantly, why. Let’s explore!
The Rise of Digital Payments in Pakistan
Over the past few years,
Pakistan has made serious progress in digital finance. Thanks to platforms like
SadaPay, Easypaisa, and banking apps with seamless payment
integrations, paying online has become easier and safer.
Key digital payment trends in 2025:
·
QR and digital wallet payments
·
Buy
Now, Pay Later (BNPL) services
·
Card-linked
loyalty programs like Save Gold 80%
by ARY Sahulat Bazar
·
Government
and private incentives on digital methods
Digital payments offer speed,
convenience, and record-keeping—but not everyone’s fully convinced just
yet.
Why Cash on Delivery Still Rules in Many Areas
Despite these advancements, Cash
on Delivery remains the top payment method for a large chunk of Pakistani
online shoppers. According to recent 2025 industry reports, over 60% of
e-commerce transactions still happen via COD.
Why do shoppers prefer COD?
·
Trust
issues
·
Lack
of access to credit/debit cards
·
No
fear of online fraud
·
Payment
options flexibility
·
Cultural
comfort
For many, COD does not just work
as a payment method but as a peace of mind.
Urban vs. Rural: A Digital Divide in E-Commerce
From urban to rural, the payment
methods work differently for each area. Certainly, the reasons for this
division are Pakistan’s internet and banking infrastructure with tech-savvy
audience.
Urban Shoppers:
·
Prefer card payments, wallets,
or Raast transfers
·
Go for platforms with good
return policies
·
Check out for tracking orders
and chat support facilities
Rural Shoppers:
·
Mostly pick the COD option due
to limited: internet, banking,
or literacy
·
Often shop via Facebook,
WhatsApp, or small marketplace sellers
·
Rely on trust and verification on delivery
Gradually, the division is
blurring, but it has not completely disappeared yet.
2025 Insights: Are Digital Payments Catching Up?
Indeed, COD is a game-changer,
but never doubt, that digital payments are also catching up with time. Some
key-shifters include:
·
Youth is increasingly going
digital every now and then.
·
Many digital apps like Food
delivery, Cab booking, and online fashion stores often offer discounts
for paying via digital wallet or card.
·
E-commerce platforms in Pakistan are introducing “partial COD”—a small digital deposit
to reduce fake orders.
The trend is slow but steady: digital
payments are gaining ground, especially as trust grows and fintech access
improves.
What Do Pakistani Shoppers Really Want?
In short: Convenience and
Control.
Indeed, online shoppers want
convenience and control to develop trust in an online shopping store in
Pakistan. They really want:
·
Surety for product quality
·
Authority to cancel or reject
the order at any time
·
Simple and secure payment methods
For a newbie to the digital shopping store, COD ensures them to check out the product before paying for
it. And when the talk is about an expert shopper, the digital payment method
works best for him—but only when trust is established.
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