BISP Secure Payment System 2025 – Complete Guide to Safe Transactions and Fraud Control

The Benazir Income Support Programme (BISP) is Pakistan’s biggest welfare program. It provides financial help to millions of low-income families. For many people, this money is very important because it helps them buy food, pay for healthcare, and support their children’s education.

In recent years, some problems appeared in the system—like fraud, fake deductions, identity theft, and late payments. To solve these issues, BISP introduced a Secure BISP Payment System. This system uses digital technology, biometric verification, SIM-linked wallets, and authorized payment points to make sure the right person gets the money safely.

Below is a simple and easy explanation of how this secure system works.

What Is the Secure BISP Payment System?

It is a modern and safe way of giving BISP payments to beneficiaries. Its main goals are:

• Safe Payments: Protect people from fraud or illegal cuts.

• More Transparency: Every payment has a clear digital record.

• Easy Access: Money can be taken through mobile wallets, agents, and banks.

• Better Efficiency: Less paperwork and faster services.

Main Parts of the Secure System

1. Digital Wallets: Payments go into a mobile wallet linked to your identity.

2. SIM-Linked Accounts: BISP gives a special SIM card that is connected to your wallet.

3. Biometric Verification: Fingerprints are required to collect money.

4. Authorized Payment Points: Only approved banks and agents can give payments.

5. Official SMS Alerts: Messages from 8171 tell you when your payment arrives.

6. Complaints System: Helplines and offices help solve problems quickly.

Why a New Secure Payment System Was Needed

The old payment system caused many issues:

1. Fraud and Scams

Fake agents and scammers tricked people through false calls or messages. Some agents also made illegal deductions.

2. Long Queues and Difficult Access

People, especially women from rural areas, had to travel far and wait for hours to collect money.

3. No Transparency

Because the system was manual, it was hard to track payments. Many beneficiaries were unsure if the amount was correct.

4. Weak Identity Checks

Without biometric checks, it was possible for someone else to collect your payment.

5. Slow and Inefficient Process

Manual records caused delays and mistakes.

The new Secure Payment System fixes all these problems and makes the entire process safer.

How the Secure BISP Payment System Works (Step by Step)

Step 1: Verification of Beneficiary

• People are selected through the NSER survey.

• After selection, BISP sends an official message.

• Instructions are given for account activation and payment collection.

Step 2: Getting the SIM Card

• A special SIM card is issued.

• It is verified through fingerprints.

• Linked to your wallet and used for official 8171 messages.

Step 3: Activating the Digital Wallet

• The payment is added to your wallet.

• You can track your funds and see SMS updates.

• Less dependency on cash reduces risk of fraud.

Step 4: Receiving Payment Notification

• BISP sends an SMS from 8171 with your payment details.

• It also tells you where to collect the money.

Step 5: Collecting Money from Authorized Places

You can collect money from:

• Partner banks

• HBL Konnect agents

• Registered shops

At the time of collection:

• Show your original CNIC

• Give fingerprints

• Receive a printed or digital receipt

Step 6: Complaint and Support

• After payments, BISP checks records.

• If you face any issue, you can call the helpline or visit the BISP office.

Security Features of the New System

• Fingerprint verification

• Wallets linked to SIM and beneficiary identity

• Digital transaction records

• Authorized payment points only

• Official SMS from 8171

• Quick complaint solutions

• No commission allowed

• Only original CNIC accepted

Benefits of the Secure BISP Payment System

1. Payments are safer and more reliable.

2. Fraud and scams are reduced.

3. Easy to access, even in rural areas.

4. Less waiting time and faster service.

5. Beneficiaries get full payment without cuts.

6. Helps people become part of digital banking.

7. Clear records improve transparency and trust.

Read More: BISP 8171 December 2025 Payment: CNIC Status & Verification Guide