BISP Launches New Cluster Payment System to Enhance Cash Assistance Delivery

The Benazir Income Support Program (BISP) has introduced a modern and highly efficient method for distributing cash assistance to its beneficiaries—known as the BISP Kafalat Payment Method Cluster System. This system aims to enhance transparency, reduce delays, and organize the disbursement of funds in a way that benefits millions of deserving Pakistanis.

Previously, BISP payments were distributed across multiple locations without a structured system, causing delays and congestion at various payment points. The new cluster-based approach aims to streamline this process, grouping beneficiaries into specific administrative units, known as “clusters.” These clusters are assigned designated payment days and specific locations for collection, improving the flow of payments and minimizing overcrowding.

“The primary goal of this system is to make the payment process more transparent and user-friendly by leveraging technology,” explained a BISP spokesperson. The cluster system not only helps in organizing the distribution of payments but also increases security and efficiency by allowing staff to be prepared for a predictable number of recipients on set days.

How the BISP Kafalat Cluster Payment System Works

For eligible beneficiaries, receiving cash assistance through the BISP Kafalat Program now involves a clear, step-by-step process, with a primary focus on convenience and security.

1. Eligibility Check and SMS Notification:
   Beneficiaries are first required to verify their eligibility by sending their 13-digit CNIC number to the BISP SMS service at 8171. Once eligibility is confirmed, beneficiaries will receive an official SMS containing important details such as the payment collection date and the designated cluster payment center location.

2. Payment Collection Process:
   Beneficiaries are advised to visit the specified cluster center on the assigned date, bringing their original CNIC and the SMS notification on their mobile phone. No photocopies or ATM cards should be brought if payment is via biometric verification.

3. Biometric Verification for Secure Payment:
   At the payment center, beneficiaries must undergo biometric verification. This process involves presenting the CNIC and providing a thumbprint for digital identification through the Biometric Verification System (BVS). Once the identity is confirmed, the full payment amount is disbursed.

4. New Withdrawal Policy:
   In addition to cluster payment centers, beneficiaries can also access payments via designated bank branches or ATMs, which support biometric verification for enhanced security. This policy aims to increase flexibility and ensure beneficiaries can withdraw their funds at their convenience.

Key Benefits of the Cluster System

The implementation of the cluster payment method provides several key benefits:

• Efficiency: Payments are distributed on specific days and at designated locations, preventing long waiting times and crowded centers.

• Security: The system’s use of biometric verification ensures that only the rightful beneficiary receives the payment, reducing fraud and corruption.

• Organized Distribution: By grouping beneficiaries into clusters, BISP ensures that payment staff is focused on serving a set number of recipients, improving service delivery.

Challenges and Solutions

Despite its advantages, beneficiaries may encounter some challenges during the payment process. Common issues include biometric verification failures, missing SMS notifications, and illegal deduction demands by agents. To address these issues, BISP has outlined several solutions:

• Biometric Verification Issues: If the system fails to recognize fingerprints, beneficiaries are encouraged to try alternate fingers or update their biometric data at NADRA offices.

• Delayed or Missing SMS Notifications: Beneficiaries who do not receive their SMS can contact the BISP helpline to manually check their payment status.

• Avoiding Deduction Claims: BISP strictly prohibits any deductions or commission fees from beneficiaries. In such cases, beneficiaries are urged to report the issue to BISP officials immediately.

Moving Towards Digital Payments

BISP is also transitioning to the use of Sahulat Accounts in partnership with banks, giving beneficiaries more control over their funds. This system allows withdrawals through ATMs and bank branches, ensuring flexibility and convenience. Notably, there are no charges for using ATMs of any bank, a step towards making financial services more inclusive.

In summary, the introduction of the BISP Kafalat Payment Method Cluster System is a significant move towards digitization, greater financial inclusion, and ensuring transparency in cash assistance programs. By following the new guidelines and ensuring proper documentation, beneficiaries can easily access their payments with improved security and efficiency.

For more details on eligibility, payment status, or issues related to the BISP Kafalat program, beneficiaries are encouraged to visit the official BISP website or contact the BISP helpline.