PayFast Becomes First Pakistani Payment Gateway to Get Commercial License from SBP PayFast — the indigenous payments solution by APPS (Avanza Premier Payment Services) — is now the first payment gateway in the country to receive a commercial license from the State Bank of Pakistan (SBP) under its rules for the Payment System Operators/Providers (PSO/PSP). APPS is approved for pilot operations by the SBP, and it empowers the multi-instrument acceptance of Scheme Cards, Mobile Wallets, and Bank Account Numbers through its payment gateway PayFast. PayFast enables merchants, billers, and aggregators to receive payments from their customers through a variety of methods like bank accounts, wallets, and domestic and international payment schemes.