Lol why is this even a goal? Don’t you have your own alternatives like PayTM?
We use JazzCash and EasyPaisa on limited/low level locally, their limited is 50000 pkr maximumin in account,
these are mobile payment system, we can recharge mobile, pay utility bills like electricity, gas and water bills and etc, these are limited payment system/accounts locally.they also supports debit card/atm cards locally atm, but very limited users use their atm cards, money can be deposited via agent like jazzcash agent or easypaisa agents, those agents are like pco owners. i think these are like PAYTM (made by chines company)in india i think .
We use on high level, bank accounts and use cheque and debit cards/atm cards.
On International level , only 2 Pakistani banks debit cards are 3d secure , those are HBL and Faysal bank, but all other banks only support 3d secure credit cards but not 3d secure debit cards, now a days State Bank Of Pakistan (central bank of pakistan) imposed restriction for online shopping on international level, because one of pakistan bank system was hacked... And most of Pakistan debit card mostly declined on international european and american sites as they only support 3d secure debit/credit cards, and most of poor people donot affor credit cards as their is restriction for 40000+ salary and etc .
Bitcoin is also good for online shopping in Pakistan, but it is costly as exchangers/agent sell with extra profit and i think it is illegal in pakistan too...
PayPal is good in Pakistan , because approx. 99% top sites of european and american sites supports it and it is best for customers as any dispute arise.. and also its cheap than payoneer and others