In 2025, Ehsaas Kafalat payment collection channels have grown to include bank branches, biometric ATMs, retail shops, and digital wallets. This variety gives beneficiaries in Pakistan more choice and convenience to receive their quarterly stipends.
The Benazir Kafaalat (or Ehsaas Kafalat) programme is a key social protection scheme, providing unconditional cash support to millions of disadvantaged families. To make disbursement safer and more transparent, BISP has shifted from traditional camps to a retail-payment model starting June 16, 2025.
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Table of Contents
Ehsaas Kafalat Payment Collection Channels 2025
1. Bank Branches & Biometric ATMs
BISP uses two main partner banks for its payments: HBL in Punjab, Sindh, and Balochistan, and Bank Alfalah in Khyber Pakhtunkhwa, Gilgit-Baltistan and AJK.
At branches or in biometric ATMs, beneficiaries must present their original CNIC and undergo fingerprint verification to collect the cash.This biometric system was introduced to reduce fraud and make payments more trustworthy.
2. Retail Shops (Retail Payment Model)
As part of the 2025 reforms, BISP has launched a retail payment model. Beneficiaries now go to designated retail outlets instead of camps. These outlets are equipped with biometric devices and act as local pay points.
This retail model is designed to avoid people waiting under harsh conditions, especially in extreme heat, and to bring payments closer to where people live.
3. Digital Wallets & Mobile Finance
In 2025, BISP also expanded use of digital wallets such as JazzCash for disbursing payments.The government plans to issue 10 million digital wallets to beneficiaries to support a shift toward cashless payments.
Bank Alfalah already offers a Kafaalat Bachat Wallet where beneficiaries can deposit, withdraw, and transact funds using agent networks.Digital payments reduce the need to travel and help avoid the costs or risks associated with physical withdrawals.
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Comparison Table: Ehsaas Kafalat Payment Channels
| Channel / Method | What You Need | Benefits / Use Case | Where Active / Notes |
| Bank Branch / Biometric ATM | CNIC, fingerprint scan | Full cash withdrawal, safe & official | Across partner banks HBL & Bank Alfalah |
| Retail Shops (biometric) | CNIC and fingerprint, go to designated shop | Local access, less travel | In many towns per new retail payments model |
| Digital Wallet (JazzCash, BA wallet) | CNIC, mobile number, wallet activation | Stay in wallet, partial withdrawal, pay bills | Expanding via agent networks & mobile finance systems |
BISP Recent Reforms & Operational Notes
- From June 16, 2025, BISP began replacing campsite payments with retail outlets for disbursement.
- The digital payment system is being piloted in districts to test mobile wallet distribution and disbursement methods.
- Biometric verification is central: since 2017, BISP has used the Biometric Verification System (BVS) to ensure the rightful recipient collects the payment.
- To expand financial inclusion, JazzCash was selected as a partner to disburse funds via its network.
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Advice for BISP Beneficiaries
- Always verify your payment status before visiting a branch or outlet (via SMS, BISP portal, or helpline).
- Make sure your biometric record (fingerprint) is valid—older persons may face problems if prints faded.
- Use digital wallets if possible—it saves time and travel.
- Go to your designated outlet or bank only; avoid unauthorized agents.
- In case of issues, contact BISP via tehsil office or the helpline.
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