WHAT IS A MULTI-CURRENCY WALLET AND HOW IT WORKS FOR ONLINE SHOPPING IN PAKISTAN?

Back in the past, online shopping was just a dream not only for Pakistanis but all around the globe. However, now we all know that it’s not a trend anymore. It’s a never-ending practice, fulfilling our needs and wants together. While infusing online shopping in Pakistan, digital wallets like Multi-Currency Wallet are still playing a vital role. The catch is to provide a effortless shopping journey to both the buyer and the online shopping stores in Pakistan. Surprisingly, multi-currency digital wallets stand out in ensuring all the must-have benefits and convenience on both ends.

Gone are the days when people were bound to shop locally, as it was impossible to pay in other than your local currency. Now, all you need is a Multi-Currency Wallet, and all your worries are gone. Are you an international buyer who wants to hold multiple currencies in a single digital wallet? Great! Then this blog.is all yours.

Here, you’ll explore well about Multi-Currency Wallet and how it works for online shopping in Pakistan.

What is a Multi-Currency Wallet?

Well! Multi-Currency Wallet or you can say “Multiple Currency Wallet,” is the most upgraded version of digital wallet in the globe. A wallet that works in the same way as your physical wallet lying right in your pocket. From a business person to anyone else, the wallet ensures the must-have benefits that are nowhere in the physical one. Some of these benefits are:

• It’s more Secure
• It’s Super Convenient
• It Holds Multiple Currencies
• It Offers Catchy Deals And Discounts
• It Converts Currency Automatically

Having a multi-currency wallet means you transfer, receive, and hold multiple currencies in a single wallet, unlike some traditional banks where you are required to have multiple bank accounts to achieve this goal.

How it works for Online Shopping in Pakistan?

Besides some of the online stores like ARY Sahulat Bazar, where you can buy both local and international products in PKR, the rest of them need a multiple-currency wallet. For instance, you are a Pakistani who is scrolling Instagram reels and suddenly finds a super interesting product that costs 5$. Being Pakistani, it’s impossible to pay in dollars as you have a digital wallet, but it holds money only in PKR. This is where you literally need a multi-currency wallet. The wallet holds both fiat (like Dollars and Rupees) and Crypto (like Bitcoin or USDT).

As discussed above, the product is priced at $, so it’s essential to know if you have dollars in your multi-currency wallet or not. If it’s yes, then all you need to do is provide the required wallet information to the shopping platform, and here you go with what you shop for.

Popular Multi-Currency Wallets

When the talk is about having the best multi-currency wallet in hand, you don’t need to worry at all. Now, you will have the best online shopping in Pakistan with some well-known multi-currency wallets in hand, just like:

• Payoneer
• Revolut
• Speed Remit
• Binance Pay (for Crypto)
• Skrill & Neteller

Final Words – the Choice is Yours

Whether you go with a multi-currency digital wallet or an online shopping store in Pakistan that allows you to buy international products in local currency, the choice is yours. Both ways are convenient, but it all depends on your convenience. If you have a digital store like ARY Sahulat Bazar, then all you need is just a digital account or COD. Otherwise, having a multi-currency wallet is a must-have pick for you.

CASH ON DELIVERY VS. DIGITAL PAYMENTS: WHAT PAKISTANI ONLINE SHOPPERS REALLY WANT

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.