BISP Payment System Upgrade 2025 – New Method for Payments

Many Pakistanis who receive payments from the Benazir Income Support Programme (BISP) have recently heard about the BISP payment system upgrade. If you’re also confused about what changes have been made, how you will get your payment now, and whether ATM withdrawal is stopped or not, then read this complete guide till the end. InshaAllah, after reading, all your confusion will be cleared and you will know exactly what to do next.

Table of Contents

What is the BISP Payment System Upgrade?

The BISP payment system upgrade is an improvement in how BISP distributes money to deserving families. Under this upgrade:

New banks have been included for payment distribution.
Payments will be given via selected bank agents and branchless banking retailers instead of crowded campsites.
Beneficiaries will have more options to withdraw money safely and transparently.

Why Was This Upgrade Needed?

BISP realised that:

Many women were facing deductions by agents at campsites.
Long waiting hours in extreme heat were causing health issues.
ATM networks were not available everywhere, especially in rural areas.
Beneficiaries wanted multiple options to get money without hassle.

Therefore, in 2025, the government decided to upgrade the entire payment system to make it easier, safer, and more transparent for families under BISP.

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How Will Beneficiaries Receive Payments Now?

Under the new system:

Payments will be distributed via HBL, Bank Alfalah, and two more banks selected region-wise.
BISP is planning digital wallets for direct payments to beneficiary mobile accounts in the next phase.
Women can collect money from designated bank agents or branchless banking retailers with their CNIC verification.

Quick Facts – BISP New Payment System

Feature	Details
System Type	Biometric verification with banks & agents
ATM Withdrawal	Limited areas; mostly replaced by agent networks
Banks Involved	HBL, Bank Alfalah, and more (region-wise)
Beneficiary CNIC Needed?	Yes, original CNIC mandatory
Payment Deductions	Strict action against illegal cuts
Next Phase	Digital wallets under planning

Eligibility for Payments Under the New System

Eligibility remains the same:

Registered under BISP Kafalat
CNIC verified and valid
Not blocked due to ineligibility or recent re-survey

If you are eligible but still facing issues, read the challenges section below.

Step-by-Step Guide to Receive BISP Payment After Upgrade

Follow these easy steps:

Receive SMS from 8171 confirming your payment amount and bank/agent details.
Visit the designated agent mentioned in SMS with your original CNIC.
Agent will verify your biometric fingerprint.
Collect your full payment. Never leave without counting your money.
Get printed receipt if possible for record.

Tip: If your SMS has not arrived but others have received theirs, wait for your turn as payments are sent batch-wise.

Challenges Faced by Beneficiaries (With Solutions)

1. Fingerprint Mismatch Issues

Problem: Many elderly women or those doing labour work have unclear fingerprints.
Solution: Wash and clean hands before biometric. If still rejected, visit NADRA office to update fingerprints and then return to collect payment.

2. CNIC Expiry Problems

Problem: Payment stopped due to expired CNIC.
Solution: Renew your CNIC immediately from NADRA. BISP payments cannot be given on expired cards under new system.

3. Payment Deduction Complaints

Problem: Agent cuts Rs. 500-1000 from payment illegally.
Solution: Immediately call BISP helpline 0800-26477 and report with agent details. Strict action is being taken under the upgraded system to stop such corruption.

4. SMS Not Received Problem

Problem: No SMS received while others got theirs.
Solution: Check your eligibility via 8171 web portal or wait 1-2 weeks as payments are released in phases.

Safety and Awareness Tips for Payments

Always carry your original CNIC.
Never pay any extra fee or bribe to agents.
Keep your payment receipt safely.
Avoid sharing your CNIC details with unknown persons.
If you feel threatened at any agent shop, contact police helpline immediately.

FAQs

Can I still use ATM for BISP payments?
ATM withdrawal is available only in some areas under HBL. Mostly payments are now via bank agents.

How will I know which bank agent to visit?
You will receive an SMS from 8171 with bank/agent name and location.

Are payments increased under the upgrade?
No change in amount announced yet, only payment method is improved for safety and ease.

What if my CNIC is blocked?
Visit BISP Tehsil Office to resolve blockage and update your data if required.