Why Euronet

Euronet Pakistan, a subsidiary of Euronet Worldwide brings with it the experience of the world’s largest global provider dedicated to banking and payments technologies. Euronet Pakistan is poised to offer the best blend of technology and outsourcing services to all Pakistani banks from its state of the art facility in Karachi, Pakistan.  Backed by the very best talent in the local industry we provide an unmatched flexibility, scalability and SLA-based services.


Euronet Pakistan is one of the first companies providing outsourced services in the payment’s domain to its customers. By choosing Euronet Pakistan as their outsourced service provider, client will enjoy a multitude of benefits, some of which are listed below:

Global & Security Standards Compliance

  • Euronet is a PCI DSS (Payment Card Industry – Data Security Standard) certified entity in Pakistan with PA DSS (Payment Application – Data Security Standard) compliant applications
  • PCI PTS (Payment Card Industry – PIN Transaction Security) compliant infrastructure in Pakistan

Cost Effective & Timely Compliance to Regulatory Requirements

  • Compliance to regulatory requirements without any major lead time and cost.

Strong Risk Management

  • Our integrated Fraud Detection, Risk Controls and Monitoring is adaptable to emerging customer scenarios across all channels, switch and card products. Euronet performs continuous improvements for secure transmission (support for TLS 1.2, SFTP, MFTP, AES, IPSEC, TDES, etc.)

Safeguard from Technology Obsolescence

  • Scalable in processing volumes with integrated functionality for Omni-channel transaction processing  with coverage for quick upgrades, replacements and hardware / infrastructure to maintain an optimal performance for the Client/Bank

Safeguard from Costly Enhancements / Delay to Market / Non-Scalability

  • Quick and low-cost product enhancements against new and evolving product set & periodic regulatory or scheme compliance items due to integrated functionality

Business Continuity

  • Euronet Infrastructure is hosted at IBM BCRS Karachi and its Disaster Recovery (DR) site is hosted at IBM BCRS Islamabad with real time replication ensuring complete business continuity.

Differential Advantages

Listed below are some additional differential advantages that come with Euronet:

A) Pay As You Grow

With our tiered pricing options the client can pay for the card, ATM/POS, or transaction wise charges as their volumes grow.

B) No Hidden Charges

Predictable monthly recurring costs. Fixed costs with 10, 7 or 5 year contract options

C) Lower Future Growth Costs

Euronet has already invested into the infrastructure and will continue investing for further growth for all of its customers. No hardware, software procurement will be required at any point in time for services being rendered through Euronet

D) Time/Cost Advantage of Direct Connectivity to Payment Schemes

Euronet is already connected with VISA, MasterCard, and UnionPay. This ensures that Euronet Pakistan can deliver the entire project quickly while providing bank with the advantages of direct connectivity to payment schemes.

E) Guaranteed Uptime

Euronet ensures that guaranteed service levels are maintained and Euronet backs this guarantee with a rebate policy, this means we pay back if we don’t meet the service levels

F) Schemes Certified for Latest Standards like Contactless & EMV

Euronet platform is built to support emerging scenarios (e.g. NFC, EMV issuing/ acquiring, 3DS, IBFT 2.0, Tokenization) and is already certified with VISA, Mastercard, UPI & PayPak for EMV contact as well as with VISA, Mastercard & UPI Contact-less NFC issuing & acquiring.

G) Consolidated Platform with 360-Degree View of Customer Products

Integrated platform for debit, credit, prepaid card (loyalty etc.) with 360-degree view of the customer across products / segments.

H) Islamic Banking Ready Platform

Euronet Worldwide is already serving international clients including  countries from MESA & South East Asian region and has Shariah compliant products & solutions available in our suite for Islamic financial institutions.

I) Flexible and Integrated Solutions

Flexibility and integration are the key elements in all Euronet solutions. As the industry leader in card payment acceptance and device management, Euronet strives to maintain this leadership through constant research and innovation. The complete Euronet suite includes products for card and account management, ATM, POS, transaction authorization and switching, clearing and settlement, mobile recharge, bill payments, Internet banking, etc.

J) Proven Reliability and Scalability for High Transactional Volumes

Our systems are in use by top banks worldwide to drive their diversified electronic banking channels. Euronet’s core processing system smoothly and quickly moves very high volume of messages between modules with speed, security and accuracy.

K) Blend of Local and Global Expertise

Euronet Pakistan comprises of experienced individuals from the local industry and is backed by the expertise of its affiliates across the globe and its development centres and EFT processing centres in the USA, Greece, Budapest, China, Serbia and India.

L) Value-Add Services & Additional Revenue Opportunities

Worldwide exposure & extensive experience in driving EFT services around the globe enables Euronet to extend some unique value-added services and opens up future opportunities for making additional revenue to our clients. For example: enabling DCC on ATM and/or POS with DCC consultation services, facilitating remittance collection through various digital channels, card-less and/or FCY cash dispensation, leveraging from various service fee models, offering Shariah compliant Islamic Credit Card products, issuing additional scheme cards (EMV Contactless), international EMV acquiring, QR transactions, tokenization support, & brown label ATMs, etc.

Our Values



We empower our people to deliver customer focused solutions with the highest level of professionalism and commitment to excellence.


Value Creation

We enable our customers to become high performance businesses through consistent delivery of value based services.



We value, encourage, and enable our employees and partners to develop innovative and synergistic solutions.


Best People

We attract, develop and retain the best talent for our business who demonstrate a “can-do” attitude in a collaborative and mutually supportive environment.



We demonstrate the highest degree of integrity in every aspect of what we do. We are committed to instilling professional and ethical behavior in all our employees.

Outsourcing vs Inhouse

Cost-cutting is not the only reason to outsource your ebanking program. Over here we help you understand the long-term benefits that outsourcing can provide.




Capital Costs

Outsourcing converts fixed cost into variable cost, releases capital for investment elsewhere in your business, and allows you to avoid large expenditures in the early stages of your business.

You have to setup , maintain and periodically replace different elements in an in-house setup.


Increase efficiency. Using Euronet’s pay as your grow cost structure can give your bank an important competitive advantage.

Bank that do everything themselves incur unnecessary expenses in infrastructure, operations and human resources to begin with, which must be passed on to the customers at one point in time.

Labor Costs

Reduced Labor Costs. Outsourcing lets you focus your human resources where you need them most.

Hiring, retaining and training staff on an ongoing basis can be very expensive and employees don’t always live up to your expectations.

Quick Start

Start newer initiatives quickly with the quickest time to market. Euronet always has the resources to start a project right away.

Handling the same project in-house might involve taking weeks or months to plan and execute. Also in some cases you might have to hire the right people, train them and the provide the support they need.


Focus on your core business. Outsourcing can help your bank shift its focus from peripheral activities towards operational and infrastructural.

Every bank has limited resources and every manager has limited time and attention.


Level playing field. Outsourcing can help small and medium sized banks act “big” by giving them access to the same economies of scale, efficiency, and expertise larger banks enjoy.

Most small & medium sized banks can’t afford to match the in-house support services that larger banks maintain.


Reduce risk. Outsourcing services providers assume and manage all risks for you and they generally are much better at deciding how to avoid risk in their areas of expertise.

Markets, competition, and technologies all change very quickly, and every business investment carries a certain amount of risk that in-house handling must take.

Quality of Service

E-banking outsourcing improves the quality of service. The right outsource partner will have had experience with a variety of different strategies, techniques, and tools.

An in-house team may not have developed the expertise in a particular niche area and a bank will have to spend time, effort, money and resources to manage any undertaking.

Outsourcing vs Inhouse

Cost-cutting is not the only reason to outsource your ebanking program. Over here we help you understand the long-term benefits that outsourcing can provide.