IDEMIA and JazzCash bring premiumization and personalization to payment cards in Pakistan. Personalized +1 and premium metal cards bring together greater choice, control and self-expression to JazzCash customers. Posted on 10.07.26 JazzCash, Pakistan's leading digital financial services platform, and IDEMIA Secure Transactions (IST) are expanding their longstanding partnership with the introduction of the JazzCash +1 Card and two premium metal payment cards. The new portfolio combines personalization with greater choice across different customer segments. The +1 Card enables eligible customers to provide an additional card to a family member or friend while retaining oversight through the JazzCash app. The metal cards offer customers in JazzCash's premium tiers a distinctive physical payment experience. Putting personalization in customers' hands. JazzCash introduced the 1+ Card in August 2026 as an additional debit card that an eligible primary account holder can issue to a family member or friend. Using IST's e-OneCard solution, customers can select a card design from a catalogue available through the JazzCash app. The primary account holder can also set spending limits and track payments, combining personalization for the cardholder with visibility and control for the account holder. The 1+ Card extends access to card-based payments beyond the primary account holder. It allows customers to include people within their family or personal network in every day digital payments through a card that can be managed directly from the JazzCash app. Premium metal cards that reflect a premium lifestyle. The partnership continued in September 2026 with the launch of two metal card designs across JazzCash's top cardholder tiers, marking a first for the fintech. The premium tier features a card based on IST's Ultimate Metal Art Card model - the heaviest metal card in IST's portfolio at 22 grams. At the highest tier, cardholders have access to the Mirror Card, based on IST's Elite Metal Art Pro model. Mirror Card features a metal front layer with a distinctive mirror effect and is the first card of its kind to be introduced in Pakistan. Eligible customers will be able to request these card upgrades through the JazzCash app. When a payment card becomes part of the brand experience. Pakistan's payments landscape is rapidly evolving, with consumers increasingly embracing digital financial services. Yet, even as payments become more digital, the physical payment card remains one of the most important tangible touchpoints between a financial services provider and its customers. That makes the card more than a transactional tool. For issuers, it is an extension of the brand and an opportunity to differentiate in competitive markets. For consumers, it can be an expression of identity and a reflection of lifestyle. The growing interest in card personalization and premium materials reflects this shift. In a recent global consumer survey, 85% of consumers said they would be interested in having a metal card, while more than one-third said card design matters to them. Among those consumers, 91% expressed interest in having a customizable card.[1] With nearly 67% of its population under 30[2], Pakistan is a market where young consumers are influencing the future of payments, making it increasingly important for issuers to be in tune with their preferences. At the same time, a growing affluent segment is driving demand for more premium and personalized financial experiences. JazzCash's new portfolio brings these evolving preferences to the Pakistani market, giving customers more ways to make their payment cards their own - whether through personalized design or premium materials. Building on a trusted partnership. With more than 62 million customers, JazzCash is a digital financial services provider helping expand access to financial services across Pakistan. Its broad portfolio spans mobile wallets, payments, lending, insurance, savings and investments, as well as welfare and government-to-person disbursements. IDEMIA Secure Transactions has been a trusted partner since 2014. Over more than a decade, the two companies have collaborated on card issuance and personalization, building a strong foundation for the latest generation of JazzCash cards. Customers increasingly expect financial products to offer both convenience and greater choice. Through its partnership with IDEMIA Secure Transactions, IDEMIA Group is extending the personalization and control available through the JazzCash app into the physical card experience. The +1 Card enables customers to bring a family member or friend into everyday digital payments while retaining oversight, while its metal cards offer premium customers a distinctly differentiated experience. Aamir Aftab, Chief Product Officer I'm extremely excited about this new phase of its partnership with JazzCash. Supporting Pakistan's largest fintech player as it responds to evolving consumer expectations, where personalization, self-expression, and premium experiences are becoming increasingly important, is perfectly aligned with its consumer-centric approach. IDEMIA Group is proud to be JazzCash's trusted partner. It's a strong testament to the quality, expertise, and service that IST provides. Serigne DIA, Deputy Head of Payment Services MEA, IST What is the JazzCash 1+ Card? The JazzCash +1 Card is an additional debit card that an eligible primary account holder can issue to a family member or friend. Customers can select a card design through the JazzCash app, set spending limits, and track payments. Does JazzCash issue metal cards? Yes. JazzCash is introducing two metal payment cards for eligible customers in its premium tiers. One is a 22-gram heavyweight metal card, while the JazzCash Mirror Card combines a metal front layer with a mirror finish and will be the first payment card of its kind in Pakistan. What does IDEMIA Secure Transactions provide to JazzCash? IDEMIA Secure Transactions provides the technology for the 1+ card, card manufacturing, printing, and personalization services for custom-designed payment cards. It also manufactures and personalizes JazzCash metal payment cards. [1] Independent consumer by Dentsu Insights, of 14 countries globally. 2 UNFPA Pakistan, Pakistan@2050: Demographic change, future projections, and development opportunities, 2025, based on United Nations World Population Prospects 2024. PDF version * Downloads Related offers

EBANX prepares Pakistan expansion with JazzCash, Easypaisa and Raast integrations. EBANX, a global technology company specialising in payment services for emerging markets, is preparing to expand its payment operations into Pakistan during the next semester, adding the country to its growing international operations portfolio. The company announced the planned expansion during its annual Payments Summit, alongside the introduction of a new in-house Apple Pay token decryption architecture for Latin America and the Caribbean. The Pakistan expansion is expected to focus on connecting global merchants with locally preferred payment methods and the country's national instant-payment infrastructure. The company said the first alternative payment methods planned for its Pakistan operations will include JazzCash and Easypaisa, two widely used local digital wallets that each report more than 50 million users. EBANX also plans to integrate Raast, Pakistan's national instant-payment rail, at a subsequent stage. According to data from the State Bank of Pakistan, Raast transaction volumes increased from 371.2 million in the third quarter of fiscal year 2025 to 742.1 million in the third quarter of fiscal year 2026, showing the expansion of instant-payment activity in the country. The planned integrations are intended to provide international businesses with access to locally established payment channels. EBANX said Pakistan was selected for its next expansion phase because of merchant demand and the complexity of its payments market. Data from World Data Lab analysed by the company projects Pakistan's e-commerce spending to grow at an average annual rate of 22% between 2026 and 2030. The company said this growth trajectory could result in the country's online market more than tripling over the decade. The company also pointed to changing digital consumption patterns among younger consumers, particularly Gen Z, whose spending across video gaming, streaming and social media is projected to grow by 17% annually through 2036, while credit card ownership among this age group remains below 10%. Eduardo de Abreu, Chief Product Officer of EBANX and regional chief executive officer of EBANX Singapore, described Pakistan as a mobile-first market in which smartphone ownership is significantly ahead of card ownership. He said local account-based payment methods, bank transfers and digital wallets therefore have an important role in serving consumers and supporting international businesses entering the market. EBANX said its focus is on connecting local payment infrastructure with the requirements of global merchants, an approach it has developed through its operations across emerging markets. The company's broader international expansion follows the addition of Thailand, Indonesia, Malaysia, Vietnam and Türkiye to its footprint during 2026. Since its establishment in Brazil in 2012, EBANX has expanded its payment infrastructure to more than 400 payment rails and over 200 payment methods. The company currently processes more than four million transactions per day, providing payment connections for global businesses seeking access to consumers and companies in emerging digital markets. Alongside its Pakistan expansion, EBANX announced a new operating model for Apple Pay that moves the token decryption layer into its own infrastructure. Beginning in September, the company said it would receive and decrypt encrypted Apple Pay tokens directly while managing the relevant certificates, security keys and end-to-end Payment Card Industry Data Security Standard compliance within its infrastructure. The model is intended to reduce the technical requirements placed on merchants while allowing EBANX to manage the decryption process within its acquiring environment. According to EBANX, early production data showed that tokenized wallet processing produced an 11-percentage-point increase in approval rates compared with non-tokenized card transactions, reaching 94.4%. Average order value was also reported to be 23.5% higher than standard card purchases. The company said the new architecture builds on its existing Apple Pay partnership in Brazil and is being extended across Latin American and Caribbean markets where Apple Pay operates, supporting both one-time and recurring transactions. EBANX said tokenized wallets already account for significant portions of e-commerce card volumes in several Latin American markets. Based on Payment and Commerce Market Intelligence data sourced by the company, tokenized wallets represent approximately 25% of e-commerce card volume in Brazil, 20% in Chile, 16% in Mexico, 15% in Colombia, 13% in Argentina and 9% in Peru. The company said its Apple Pay infrastructure is designed to simplify merchant operations while maintaining end-to-end security and compliance within its acquiring systems. The announcements were made during the ninth edition of the EBANX Payments Summit, which brings together payment and digital commerce leaders to discuss developments across emerging markets. The 2026 programme included an Asia-Pacific edition in Jeju Island, South Korea, held in partnership with Mastercard, and a global edition in Guanacaste, Costa Rica, held in partnership with Citi. With Pakistan now included in its upcoming expansion plans, EBANX is preparing to connect international merchants with local wallets and instant-payment infrastructure as digital commerce and payment activity continue to develop across the country.