Ehsaas Kafalat Payment Collection Channels 2025: Banks, ATMs & Digital Wallets. In 2025, Ehsaas Kafalat payment collection channels in Pakistan have been modernized to include bank branches, biometric ATMs, retail shops, and digital wallets. This expansion ensures beneficiaries receive their quarterly stipends safely, conveniently, and transparently. The programme, formerly known as Benazir Kafaalat, provides unconditional cash support to millions of disadvantaged families, empowering them financially and enhancing social welfare coverage.
With the shift from traditional cash camps to retail and digital disbursement methods starting June 16, 2025, BISP has made it easier than ever for recipients to access their funds. This guide explores all the available payment collection channels, their requirements, benefits, and expert tips for beneficiaries.
Ehsaas Kafalat Payment Collection Channels 2025
BISP now offers three main payment channels to cater to diverse needs across Pakistan:
- Bank Branches & Biometric ATMs
- Retail Shops (Retail Payment Model)
- Digital Wallets & Mobile Finance
Each channel offers unique advantages, designed to improve access, reduce travel, and enhance security for all beneficiaries.
1. Bank Branches & Biometric ATMs
Primary Banks:
- HBL (Habib Bank Limited) – Active in Punjab, Sindh, Balochistan
- Bank Alfalah – Active in Khyber Pakhtunkhwa, Gilgit-Baltistan, and Azad Jammu & Kashmir
How it Works:
- Beneficiaries visit the bank branch or biometric ATM.
- Present original CNIC.
- Complete fingerprint verification through the Biometric Verification System (BVS).
Benefits:
- Safe and official disbursement.
- Full cash withdrawal available.
- Reduces fraud risks compared to camp payments.
Notes:
- Biometric verification ensures the rightful beneficiary receives the funds.
- Branches provide full customer support for any discrepancies.
2. Retail Shops (Retail Payment Model)
To improve access, BISP launched a retail payment model in 2025, replacing traditional camps.
How it Works:
- Beneficiaries go to designated retail outlets equipped with biometric devices.
- Present CNIC and complete fingerprint verification.
- Receive cash directly at the shop.
Benefits:
- Reduces waiting time and travel, especially in remote areas.
- Payments are accessible closer to residential areas.
- Avoids exposure to extreme weather conditions.
Notes:
- Retail outlets are spread across towns as per the 2025 expansion.
- Beneficiaries should only visit authorized outlets.
3. Digital Wallets & Mobile Finance
BISP has embraced digital wallets to support cashless transactions. In 2025:
Wallet Options:
- JazzCash Wallets – Widely available across Pakistan
- Bank Alfalah Kafaalat Bachat Wallet – Enables deposit, withdrawal, and online payments
How it Works:
- Beneficiaries register using their CNIC and mobile number.
- Activate the wallet and receive payments digitally.
- Funds can be withdrawn at agent networks or used for bill payments.
Benefits:
- Reduces the need for physical travel.
- Offers a safer, cashless alternative.
- Supports partial withdrawals and digital transactions.
Notes:
- Government aims to issue 10 million digital wallets to beneficiaries.
- Encouraged for tech-savvy beneficiaries and those living far from bank branches.
Ehsaas Kafalat Payment Channels
| Channel / Method | Requirements | Benefits / Use Case | Where Active / Notes |
|---|---|---|---|
| Bank Branch / Biometric ATM | CNIC, fingerprint scan | Full cash withdrawal, secure & official | Partner banks HBL & Bank Alfalah nationwide |
| Retail Shops (biometric) | CNIC, fingerprint, visit designated shop | Local access, less travel, reduced waiting | Spread in towns as per retail model |
| Digital Wallet (JazzCash, BA Wallet) | CNIC, mobile number, wallet activation | Partial withdrawal, online payments, stay in wallet | Expanding via agent networks & mobile finance systems |
BISP 2025 Reforms & Operational Updates
- From June 16, 2025, BISP began replacing camp-based payments with retail outlets.
- Biometric Verification System (BVS) remains central to reduce fraud.
- Pilot projects for digital wallet disbursement are ongoing in multiple districts.
- JazzCash was selected to expand financial inclusion and facilitate cashless payments.
Expert Advice for Ehsaas Kafalat Beneficiaries
To ensure a smooth collection experience:
- Verify Payment Status: Use SMS, the BISP portal, or helpline before visiting a bank or shop.
- Check Biometric Records: Ensure your fingerprints are readable; older individuals may need assistance.
- Prefer Digital Wallets: Saves time, travel costs, and offers additional transaction flexibility.
- Visit Designated Locations Only: Avoid unauthorized agents to prevent fraud.
- Report Issues Promptly: Contact your tehsil office or the BISP helpline.
Benefits of Modern Payment Channels
- Convenience: Multiple channels reduce travel and waiting times.
- Security: Biometric verification and digital wallets reduce fraud.
- Accessibility: Retail outlets bring payments closer to beneficiaries.
- Financial Inclusion: Digital wallets promote cashless financial activity.
- Transparency: Tracking payments via SMS and portals ensures accountability.
FAQs
Q1: How can I check my Ehsaas Kafalat payment status in 2025?
A1: Beneficiaries can verify status via SMS, the BISP portal, or by calling the official helpline. Always confirm before visiting a payment location.
Q2: Can I use any ATM or bank for collection?
A2: No. Only partner banks (HBL, Bank Alfalah) and authorized biometric ATMs are valid.
Q3: How do I use digital wallets to receive Kafalat payments?
A3: Register your mobile number with JazzCash or Bank Alfalah Kafaalat Wallet. Activate the wallet, and payments will be credited automatically.
Q4: Are retail shops safe for collecting cash payments?
A4: Yes. Only authorized retail outlets equipped with biometric verification devices are permitted. Always check your outlet’s authorization.
Q5: What should I do if my fingerprint is unreadable at the collection point?
A5: Contact your local tehsil office or BISP helpline to update your biometric record. Assistance is available for elderly beneficiaries.
Conclusion
In 2025, Ehsaas Kafalat payment collection channels have transformed to offer beneficiaries multiple safe and convenient options, from traditional bank branches and biometric ATMs to retail shops and digital wallets. By understanding each channel’s requirements and benefits, recipients can choose the most suitable method to access their quarterly stipends.
