ReservationHub
Pre-integrated Payment gateway

HBL Pay integration on ReservationHub

HBL Pay (HBLPay Checkout) is the online payment gateway of HBL (Habib Bank Limited), Pakistan's first commercial bank, founded in 1947 and majority-owned by the Aga Khan Fund for Economic Development. It accepts Visa, Mastercard, UnionPay and PayPak cards with 3D Secure, plus bank account and wallet payments.

About HBL Pay

HBL was established in 1947 as Pakistan's first commercial bank. The government privatised it in 2004, when the Aga Khan Fund for Economic Development (AKFED) took a 51% stake and management control; HBL's website lists AKFED's holding at 56.58% (2026). HBL Pay, branded HBLPay Checkout, is the bank's online payment gateway for businesses.

The gateway accepts Visa, Mastercard, UnionPay International and PayPak debit and credit cards, and every card transaction is 3D Secure. It also supports account-to-account payments from HBL and partner bank accounts, confirmed by one-time password, and wallet payments intended mainly for smaller amounts. HBL lists recurring payments, card-on-file tokenisation, a branded payment page, refunds through API or portal and a fraud management tool. It states that the gateway is PCI DSS compliant, with card data security handled by CyberSource. Plugins for Magento, Shopify and WooCommerce are free, and merchants can also integrate by API or by redirect.

Funds reach the merchant's account within two working days at most. HBL lists PKR and several foreign currencies, including USD, EUR, GBP and AED, which is useful for agencies in Pakistan that take payments from customers abroad. Card disputes still follow scheme rules, so keep booking evidence for any chargeback.

What you can sell

  • Visa, Mastercard, UnionPay and PayPak card payments
  • Account-to-account payments from HBL and partner banks
  • Wallet payments for smaller amounts
  • Recurring and instalment payments
  • Checkout in PKR, USD, EUR, GBP and AED

How to connect HBL Pay

  1. Open a merchant accountSign your merchant agreement with HBL Pay.
  2. Plug in credentialsAdd your merchant credentials to ReservationHub; the gateway is already integrated.
  3. Choose where it appliesUse it at checkout in your booking flows.
  4. Go livePayments are processed in real time and recorded against the booking.

Who uses it

Online travel agencies in PakistanAccept international and PayPak cards plus bank account payments at one checkout for flight bookings.
Agencies selling to overseas PakistanisTake payment in a foreign currency such as USD, GBP or AED for tickets and packages.
Umrah and holiday sellersUse recurring or instalment payments to collect higher-value package fares over time.

HBL Pay integration: FAQ

Does ReservationHub integrate with HBL Pay?
Yes. HBL Pay is pre-integrated and listed on the ReservationHub partners page. You open an HBLPay Checkout merchant account with HBL, add your credentials to ReservationHub and use the gateway at checkout in your booking flows.
Do I need my own merchant account with HBL Pay?
Yes. HBL requires a business registered in Pakistan and a company bank account at HBL. You sign HBL's agreement, which sets your merchant discount rate and transaction limits, then add the live credentials to ReservationHub. ReservationHub does not provide the merchant account itself.
Which payment methods does HBL Pay support?
HBL lists Visa, Mastercard, UnionPay International and PayPak debit and credit cards, direct payments from HBL and partner bank accounts confirmed by OTP, and wallet payments. All card transactions are 3D Secure. HBL lists Raast QR as coming soon.
How quickly does HBL Pay settle funds?
HBL states that funds reach the merchant's account within a maximum of two working days. It may hold payments for some days to manage fraud risk, so check settlement terms in your agreement before relying on them for supplier payments.

Sell HBL Pay content with the rest of your suppliers

Book a demo and we will show HBL Pay running alongside GDS, NDC, low-cost and hotel content in one platform.

Book a demo

Sources

  1. HBL — HBLPay Checkout
  2. HBL — About us
  3. HBL — HBL's eCommerce Suite (PDF)
  4. The Paypers — HBL enables ecommerce transactions for all PayPak cards in Pakistan (April 2021)

Updated . HBL Pay is a trademark of its owner; it is named here to describe a technical integration and does not imply endorsement.