1LINK SCHEDULE OF

CHARGES

January to June 2024

October 31, 2023

Department: Commercial
1LINK (Pvt) Limited

Table of Contents
1 TRANSACTIONAL CHARGES .......................................................................................... 3
1.1 ATM Cash Withdrawal / Balance Inquiry Charges (including Welfare / Govt funded
cards*) .............................................................................................................................. 3
1.2 White Label ATM Operators (WLAO): ATM Cash Withdrawal / Balance Inquiry ...... 3
1.3 1IBFT - Inter Bank Fund Transfer (1IBFT Push / 1IBFT OTC) ..................................... 3
1.4 1IBFT Insta ............................................................................................................... 3
1.5 Title Fetch ............................................................................................................... 4
1.6 1QR - Quick Response ............................................................................................. 4
1.7 1LINK 1ID ................................................................................................................ 4
1.8 Switch Dispute Resolution System - SDRS & Fraud Transaction Dispute Handling -
FTDH ................................................................................................................................ 5
1.9 Processing & Settlement Charges on International Payment Schemes Through
Clearing Bank.................................................................................................................... 5
1.10 Processing Charges on International Payment Schemes Through Direct Settlement 5
1.11 Open API ................................................................................................................. 5
1.12 FRMS - Fraud Risk Management Service .................................................................. 6
1.13 Settlement Protection Charge .................................................................................. 6
1.14 OTP Based Debit Service ......................................................................................... 6
1.15 Clearing and Settlement as a Service ...................................................................... 6
1.16 Same Day Settlement Charges (ATM & 1IBFT) ......................................................... 6
1.17 Payment Reconfirmation Service (1IBFT & 1BILL) ..................................................... 7
1.18 Fund Transfer and IBILL - Cash Deposit Machines (CDM) ........................................ 7
2 1BILL - SERVICES ........................................................................................................... 8
2.1 Commercials for Existing Billing Companies........................................................... 8
2.2 Standardized Commercial for Telcos ....................................................................... 8
2.3 Commercials for New Billing Companies (Direct Biller & Bill Aggregator) .............. 8
2.4 Government Payments (P2G) Commercials (Mandated) ......................................... 9
2.5 Same Day Settlement Service Fee – Slab Based (Direct Biller & Bill Aggregator) ..... 9
2.6 Same Day Settlement Service Fee – Percentage Based (Direct Biller & Bill
Aggregator) ...................................................................................................................... 9
2.7 Same Day Settlement Service for Collecting Bank ................................................. 10
2.8 1BILL Inquiry Transaction Service.......................................................................... 10
2.9 1BILL Customization Charge.................................................................................. 10
3 MEMBERSHIP, RECURRING & CERTIFICATION CHARGES ........................................... 11
3.1 1LINK Membership Platform .................................................................................. 11

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1LINK (Pvt) Limited

3.2 International Payment Scheme (IPS) ...................................................................... 12

3.3 FRMS - Fraud Risk Management Service (FRMS) .................................................... 13
3.4 1LINK Certified Third Party Platform ..................................................................... 14
3.5 1LINK Threat Intelligence Platform (1TIP) .............................................................. 14
3.5.1 SIEM as a Service (SIEMaaS) ........................................................................... 15
3.5.2 SOC as a Service (SOCaaS) ............................................................................ 15
3.6 Hosted Services..................................................................................................... 16
3.7 Tokenization (Issuer Gateway Service) .................................................................. 16
3.8 1PAY Identifier (alias)............................................................................................ 16
3.9 1LINK Pre-Certification Kit ..................................................................................... 16
3.10 1LINK Inquiry Services for Pay Order .................................................................... 16
3.11 1LINK Captured Card Reporting System ............................................................... 17
3.12 Issuer Access Control Server (ACS) – Union Pay International ............................... 17
4 PAYPAK AND PAYPAK CO-BADGE CHARGES .............................................................. 18
4.1 PayPak Charges – Debit Card ............................................................................... 18
4.2 PayPak Co-Badge Charges – Debit Card ............................................................... 20
4.3 PayPak – Credit Card & Managed Service ............................................................. 22
4.4 Access Control Server (ACS) – PayPak ................................................................. 23
4.5 DPS Development Fee ........................................................................................... 23
5 1LINK PERSONALIZATION BUREAU .............................................................................. 24
5.1 Perso Bureau Services Charges ............................................................................. 24
6 CARD VENDOR CERTIFICATION CHARGES ................................................................ 24
6.1 PayPak Certification Fee (as per agreement with vendor) ..................................... 24
7 SOHNI DHARTI REMITTANCE PROGRAM - SDRP.......................................................... 25
8 SWITCH / ATM AS A SERVICE ...................................................................................... 25
9 RECON AS A SERVICE (ReCaaS) .................................................................................. 25
10 REPORTS, DATA RETRIEVAL & USER CREATION CHARGES* .................................... 26
11 IP CHANGE CHARGES .............................................................................................. 27
12 TRAINING & DEVELOPMENT CHARGES ................................................................... 27
13 NON-COMPLIANCE CHARGES ................................................................................. 28

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1LINK (Pvt) Limited

1 TRANSACTIONAL CHARGES
This section covers charges that are applicable on all 1LINK transactional products along with
their bifurcation for members.

1.1 ATM Cash Withdrawal / Balance Inquiry Charges (including

Welfare / Govt funded cards*)
Product Type Particulars Charge (PKR)
Acquirer Bank Fee 18.75
ATM Cash Withdrawal
Switching Fee (1LINK) ** 4.69
Acquirer Bank Fee 2.50
Balance Inquiry
Switching Fee (1LINK) ** 0.63
Receipt on ATM Cash Acquirer Bank Fee 2.50
Withdrawal/Balance
Switching Fee (1LINK) *** 0.63
Inquiry***
Note: Acquirer and 1LINK fees will be recovered from issuer banks.
*For Welfare and Govt. funded cards, ATM transaction fee will be debited from the issuer bank.
** Switching Fee is applicable on local and international transactions (on-us & off-us) that are processed
by 1LINK.
*** This will be an additional charge on all off-us ATM transactions.

1.2 White Label ATM Operators (WLAO): ATM Cash Withdrawal /

Balance Inquiry
Product Type Transaction Charge 1LINK Share (PKR)
ATM Cash Withdrawal As per WLAO SOC 4.69
Balance Inquiry As per WLAO SOC 0.63

1.3 1IBFT - Inter Bank Fund Transfer (1IBFT Push / 1IBFT OTC)
1LINK Fee for 1IBFT 2.0
Transaction Slab (PKR) Charged to
(PKR)*
Up to 25K 1.25
25K+ to 200K Sender Bank 0.02% of transaction amount
200K+ 40/-
*Any member still using 1IBFT 1.0 will be charged double the regular rate.

1.4 1IBFT Insta

Transaction Slab (PKR) Charged to 1LINK Fee (PKR)
Up to 25K 1.25
25K+ to 200K Sender Bank 0.02% of transaction amount
200K+ 40/-
Note: Members are free to charge their customers as per their SOCs.

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1LINK (Pvt) Limited

1.5 Title Fetch

Charged to Sender 1LINK Share Beneficiary Bank
Product Type
(PKR) (PKR) Share (PKR)
Title Fetch by sending &
1.25 0.625 0.625
receiving entities*
Title Fetch by sending
2.50 1.25 1.25
entity only**
*Title fetch will be charged on transactions which are not followed by 1IBFT payment advice.
**All title fetches will be charged to sending entities, which are only using sending services of 1IBFT.

1.6 1QR - Quick Response

P2P Transactions Retail / Transfer Transactions
Stakeholders
Debit (PKR) Credit (PKR) Debit (PKR) Credit (PKR)
1QR Sending
Sending Customer - - -
Fee*
As per
1LINK - 1IBFT Fee -
agreement**
Sending / Issuer As per agreement
1IBFT Fee 1QR Sending Fee -
Bank **
Receiving
- - MDR*** -
Customer/Merchant
As per agreement
Acquiring Bank - - MDR***
**
Note: *Sending/Issuer bank are free to charge their customers as per their SOCs.
**Interchange/Service fee will be decided as per the agreement between 1LINK, Issuers, Acquirer &
the Scheme. In case a third party is involved, agreement amongst stakeholders will drive the pricing.
***MDR will be as per the mutual agreement between acquiring bank and respective merchant.

1.7 1LINK 1ID

Particulars – Successful Transactions Charge (PKR)
Acquirer Fee TBD
Issuer Interchange (from Acquirer) TBD
1LINK Charge (from Acquirer) TBD
Particulars – Rejected Nadra
Charge (PKR)
Transactions
Acquirer Fee TBD
1LINK Charge TBD

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1LINK (Pvt) Limited

1.8 Switch Dispute Resolution System - SDRS & Fraudulent Transaction

Dispute Handling - FTDH
1LINK Share (PKR) Frequency
15/- per dispute Monthly
Note:
• In case of ATM/POS dispute, re-dispute, debit authority transactions, etc., charges shall apply to
the acquirer for a valid dispute.
• In ATM/POS disputes, re-dispute transactions, etc., charges shall apply to the issuer for invalid
disputes.
• In 1IBFT dispute, re-dispute, debit authority transactions, etc. charges shall apply to the
beneficiary banks or bank at fault.
• Dispute charges are applicable on FTDH dispute lodgment. Charges shall be applied on banks at
fault and shall be settled via daily clearing method.

1.9 Processing & Settlement Charges on International Payment

Schemes Through Clearing Bank
Clearing Bank
Processing &
Category Type Share (if 1LINK Share*
Settlement Charge
applicable)
0.425% of 0.300% of 0.125% of transaction
Issuing (all transactions)
transaction amount transaction amount amount
ATM Acquiring on 25% of commission 12.5% of 12.5% of commission
International Cards amount commission amount amount
Note: *1LINK share is applicable on processing & settlement as per the arrangement.

1.10 Processing Charges on International Payment Schemes Through

Direct Settlement
Category Type 1LINK Charge*
Issuing (all transactions) 0.20% of transaction amount
ATM Acquiring on International Cards 20% of commission amount
Note: *1LINK charges are applicable for processing and reporting services only. Settlement and dispute
resolution shall be handled by respective members directly.

1.11 Open API

Particulars Charge (PKR)
Principal / Affiliate 0.125 per call
Note: Product-specific fee will be charged in addition to the above charge as per 1LINK SOC.
Charges shall be settled via daily clearing method on monthly basis.

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1LINK (Pvt) Limited

1.12 FRMS - Fraud Risk Management Service

Category Type 1LINK Share Frequency
FRMS Transactions USD 0.0006 / Transaction Monthly

1.13 Settlement Protection Charge

Category Type Charge (PKR)
Financial Approved Transactions 0.125 per transaction*
Note: *Charges shall be applied on all approved financial transactions via daily clearing method.
Charges are inclusive of applicable taxes.

1.14 OTP Based Debit Service

Charge to Acquirer*
Transaction Amount (PKR) Issuer Share** 1LINK Share
(PKR)
Up to 10K 10/-
10K+ to 250K 40/- As per agreement* / As per agreement* /
250K+ to 1Mln 75/- mandate mandate
1Mln+ 150/-
Note: *Pricing agreements/regulations will prevail in the case of direct members (including government billers
and bill aggregators).
**Issuer, Initiator, Non-Banking Financial Institutions (NBFI) & FinTechs are free to charge customers as per
their SOC.

1.15 Clearing and Settlement as a Service

Category Type 1LINK Charge*
Clearing and Settlement as a Service 0.20% of transaction amount
Note: *1LINK charges are applicable for Clearing and Settlement services only. Processing and reporting of
transactions shall be handled by respective members directly.

1.16 Same Day Settlement Charges (ATM & 1IBFT)

Category Type 1LINK Charge*
Same day settlement charges (25% of one monthly KIBOR)** of net credit settled amount
Note: *1LINK charges are applicable for same day settlement fee on net credit settled amount paid by the
fund recipient member.
**1LINK will apply average of BID and Offer for one month KIBOR rate as updated on SBP website.

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1LINK (Pvt) Limited

1.17 Payment Reconfirmation Service (1IBFT & 1BILL)

Category Type Charge (PKR)
1IBFT 1.25 per transaction
1BILL 1.25 per transaction
Note: Charges are exclusive of taxes and will be settled via daily clearing mechanism.

1.18 Fund Transfer and IBILL - Cash Deposit Machines (CDM)

Transaction Slabs (PKR) Charge (PKR)
Up to 10K 20/-
10K+ to 100K 30/-
100K+ to 250K 60/-
250K+ to 500K 100/-
500K+ 200 or 0.02% whichever is higher
Note: Charges are exclusive of taxes and will be settled via daily clearing mechanism.

Note for Section 1 Transactional Charges: High value / volume transactions may be subject to risk-based
pricing as per agreement.

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1LINK (Pvt) Limited

2 1BILL - SERVICES
This section covers charges that are applicable on all 1BILL transactions and their bifurcation
for members.

2.1 Commercials for Existing Billing Companies

Category Type Issuer Share 1LINK Share

Utility and other Companies* PKR 5/- PKR 5/-

Other Companies
As per agreement/ mandate As per agreement/ mandate
Education Fee
*All utility and other companies, where charges previously were PKR 8/- have been changed and now will
be charged PKR 10/- per transaction.
Note: Sharing between Issuer/Initiator & 1LINK will be as per the agreement.

2.2 Standardized Commercial for Telcos

Biller Category Type Total Charge Telcos Issuer Share 1LINK Share

2.75% of transaction
1.375% 1.375%
Prepaid amount
All Telcos
PKR 10/- per transaction or
50% 50%
Postpaid 2.75 % of transaction
amount (as per agreement)

2.3 Commercials for New Billing Companies (Direct Biller & Bill
Aggregator)
Charged to Biller*
Transaction Amount (PKR) Issuer Share** 1LINK Share
(PKR)
Up to 10K 10/-
10K+ to 100K 25/-
100K+ to 250K 50/-
As per agreement* / As per agreement* /
250K+ to 1Mln 100/-
mandate mandate
1Mln+ to 2.5Mln 200/-
2.5Mln+ to 5Mln 300/-
5Mln+ 400/-
Category Type Charged to Biller* Issuer Share** 1LINK Share
As per agreement* / As per agreement* /
Percentage % based As per agreement*
mandate mandate
Note: *Pricing agreements/regulations will prevail in the case of certain direct billers (including
government billers), bill aggregators, and initiators.
**Issuer, Initiator, Exchange Companies, Non-Banking Financial Institutions (NBFI) & FinTechs are free
to charge customers as per their SOC.
Note: Volume based commercial discounts available in certain use cases.

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1LINK (Pvt) Limited

2.4 Government Payments (P2G) Commercials (Mandated)

Channel Transaction Amount Per Transaction Issuer Bank 1LINK
(PKR) Charge (PKR) Share Share
Up to 100K TBD
Alternative Delivery 100K+ to 1Mln TBD As per As per
Channels – ADC’s mandate mandate
1Mln+ TBD
Over The Counter – OTC Fixed TBD
Note: Transaction fee is managed in light of SBP FD Circular # 4 of 2019.

2.5 Same Day Settlement Service Fee – Slab Based (Direct Biller & Bill
Aggregator)
Transaction Amount Same Day Settlement Fee Charged to
Category
(PKR) Biller/Aggregator* (PKR)
Up to 10K 4/-
10K+ to 100K 9/-
Same Day Settlement 100K+ to 250K 18/-
Service Fee – Slab 250K+ to 1Mln 35/-
Based 1Mln+ to 2.5Mln 70/-
2.5Mln+ to 5Mln 105/-
5Mln+ 140/-
Note: *In addition to 1LINK’s existing standard biller commercials, only for those billers/aggregators opting
for the service and sharing between Issuer/Initiator & 1LINK will be as per the agreement only for standard
billing commercials not for same day settlement service.
Pricing agreements/regulations will prevail in the case of certain direct billers (including government billers),
bill aggregators, and initiators.

2.6 Same Day Settlement Service Fee – Percentage Based (Direct Biller
& Bill Aggregator)
Category Same Day Settlement Fee Charged to Biller/Aggregator* (PKR)

Same Day Settlement

0.005% of transaction /settled amount or PKR 500/-, whichever is lower
Service Fee –
Percentage Based

Note: *In addition to 1LINK’s existing standard biller commercials, only for those billers/aggregators opting
for the service and sharing between Issuer/Initiator & 1LINK will be as per the agreement only for standard
billing commercials not for same day settlement service.
Pricing agreements/regulations will prevail in the case of certain direct billers (including government billers),
bill aggregators, and initiators.

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1LINK (Pvt) Limited

2.7 Same Day Settlement Service for Collecting Bank

Category Type 1LINK Charge*
Same day settlement service for (25% of one monthly KIBOR) ** of net credit settled amount
collecting banks only
Note: *1LINK charges are applicable for same day settlement fee on net credit settled amount paid by the
biller / aggregator collecting bank.
**1LINK will apply average of BID and Offer for one-month KIBOR rate as updated on SBP website

2.8 1BILL Inquiry Transaction Service

Charge to 1LINK Fee (PKR)
Initiator 0.15 per transaction
Note: Bill Inquiry will be charged on transactions that are not followed by bill payment advice.

2.9 1BILL Customization Charge

Charge to 1LINK Fee (USD)
Members Based on efforts applied
Note: Any customization request in 1BILL will cost members based on efforts applied.

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1LINK (Pvt) Limited

3 MEMBERSHIP, RECURRING & CERTIFICATION

CHARGES
This section covers charges of membership, recurring & certification-based services for all
1LINK Principal and Affiliate Members.

3.1 1LINK Membership Platform

1LINK Switching
Certification
One-time Charge Recurring Charge
Type
General Re- Principal Affiliate*
NIL
Certification PKR 1,000,000 /-** PKR 500,000 /-**

Membership (Joining Charge) Maintenance Charge

Product Type
Principal Affiliate Principal Affiliate Frequency
USD USD
Membership Fee USD 30,000/- USD 15,000/- Quarterly
4,500/- 2,250/-
Dashboard & Limit
Enablement on
USD USD
Switching Platform NIL NIL Quarterly
2,000/- 1,000/-
per Connection
***
Switching Services
USD USD
Additional USD 25,000/- USD 12,500/- Quarterly
4,500/- 2,250/-
Connections
1BILL
USD 1,000/- USD 500/- NIL NIL NIL
Services****
Over the Counter USD
NIL NIL USD 250/- Quarterly
(OTC)**** 125/-
Over the Counter
Integration with USD
USD 1,000/- USD 500/- USD 375/- Quarterly
core banking 187.50
system****
PKR PKR
SDRS***** NIL NIL Quarterly
150,000/- 75,000/-
FTDH PKR PKR
NIL NIL Quarterly
System****** 150,000/- 75,000/-
Note: *Affiliate members are Non-Banking Financial Institute (NBFI), Exchange Companies, Fintechs,
Aggregators, EMI, PSO/PSPs, etc. Irrespective of the above, charges can also be charged as per the
agreement.
** Maximum 07 slots shall be available to members for Switch, 1BILL and API Certifications etc. Members
shall be charged USD 200/- per additional slot. The duration of each slot is 1.5 hours. In case of an
“emergency slot” for certification/re-certification request, an additional 25% of the standard charges,
shall be applicable. Bill Payments re-certification charges for the biller, aggregator, Initiator and
exchange companies are USD 1,000/-. For govt mandate certification charges shall be USD 2,000/-.
***Includes 1LINK provided limit monitoring dashboard at member premises.
****Applicable on Banks, Biller, Initiator, Aggregator, Exchange Companies, Non-Banking Financial
Institutions (NBFI), White Label ATM Operators (WLAO) & FinTechs, EMI, PSO/PSPs. Value-added opt-in
service (OTC integration with core banking system). Biller will be charged based on prefixes.
*****Biller and Aggregator enablement on SDRS shall be charged as maintenance fee PKR 75,000/-
quarterly.
******Fraudulent transaction dispute handling system FTDH is a mandatory service for all 1IBFT
members.

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1LINK (Pvt) Limited

3.2 International Payment Scheme (IPS)

MasterCard
Recurring Charges
Certification Type One-time Charge* (USD)
Charge Frequency
General / Re-Certification 4,000/- NIL
Maintenance Charges
Membership
Product Type Charge Frequency
(Joining Charges USD)
(USD)
Mastercard – Debit Acquiring 4,000/- 4,500/-** Quarterly
Mastercard – Debit Issuing 4,000/- 4,500/-** Quarterly
Mastercard - Credit Card Issuing 4,000/- 2,250/-*** Quarterly
Mastercard - Credit Card 4,000/- Quarterly
2,250/-***
Acquiring
Mastercard Money Send NIL 600/- Quarterly
Mastercard DR Site**** 1,000/- 2,250/- Quarterly
Note: * Maximum 14 slots shall be available to members for Mastercard certifications. Members shall
be charged USD 200/- per additional slot. The duration of each slot is 1.5 hours.
**If members are availing both services (Issuing & Acquiring), a single maintenance charge shall be
applicable.
***Quarterly Charges of USD 2,250/- if already a member bank of Mastercard Debit through 1LINK;
otherwise, USD 1,500/- per month- plus tax will be applicable.
**** DR site connectivity is for non-members only.
VISA
Recurring Charges
Certification Type One-time Charge* (USD)
Charge Frequency
General / Re-Certification 4,000/- NIL
Maintenance Charges
Membership
Product Type Charge Frequency
(Joining Charges USD)
(USD)
VISA - Debit Issuing 4,000/- 4,500/-** Quarterly
VISA - Debit Acquiring 4,000/- 4,500/-** Quarterly
VISA - Credit Card Issuing 4,000/- 2,250/-*** Quarterly
VISA - Credit Card Acquiring 4,000/- 2,250/-*** Quarterly
VISA Money Transfer (VMT) NIL/- 600/- Quarterly
VISA DR Site**** 1,000/- 2,250/- Quarterly
Note: *Maximum 12 slots shall be available to members for VISA certifications. Members shall be
charged USD 200/- per additional slot. The duration of each slot is 1.5 hours.
**If members are availing both services (Issuing & Acquiring), a single maintenance charge shall be
applicable.
***Quarterly Charges of USD 2,250/- if already a member bank of VISA Debit Card through 1LINK;
otherwise, USD 1,500/- per month plus tax will be applicable.
****DR site connectivity is for non-members only.

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1LINK (Pvt) Limited

UnionPay International (UPI)

Recurring Charges
Certification Type One-time Charge* (USD)
Charge Frequency
General / Re-Certification 4,000/- NIL
Maintenance Charges
Membership
Product Type Charge Frequency
(Joining Charges USD)
(USD)
UnionPay International – Debit
3,000/- 3,000/-** Quarterly
Issuing
UnionPay International – Debit
3,000/- 3,000/-** Quarterly
ATM Acquiring
Note: *Maximum 09 slots shall be available to members for UPI certifications. Members shall be charged
USD 200/- per additional slot. The duration of each slot is 1.5 hours.
**If members are availing both services (Debit Issuing & Acquiring), a single maintenance charge shall
be applicable.
Japan Credit Bureau JCB
Recurring Charges
Certification Type One-time Charge* (USD)
Charge Frequency
General / Re-Certification 4,000/-
NIL
EMV Certification 4,000/-
Membership Maintenance Charges
Product Type
(Joining Charges USD) Charge (USD) Frequency
JCB – Issuing 4,000/- 3,000/- Quarterly
JCB – ATM Acquiring NIL NIL
JCB’ International POS Acquiring 1,000/- NIL
Note: * Maximum 07 slots shall be available to members for JCB certifications. Members shall be
charged USD 200/- per additional slot. The duration of each slot is 1.5 hours.
Note: In case of an “emergency slot” for certification/re-certification request, an additional 25% of the
standard charges shall be applicable.

3.3 FRMS - Fraud Risk Management Service (FRMS)

Membership Charge
Maintenance Charge (USD)
(USD)
Product Type
Principal Affiliate Principal Affiliate Frequency
Near Real-Time
Monitoring on-us 12,500/- 6,250/- 1,563/- 938/- Quarterly
(Detection Mode)
Near Real-Time
Monitoring off-us 12,500/- 6,250/- 1,563/- 938/- Quarterly
(Detection Mode)
Real-Time Monitoring
Platform (Prevention 12,500/- 6,250/- 3,750/- 1,875/- Quarterly
Mode)

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1LINK (Pvt) Limited

FRMS Value Added Services (opt-in*)

Maintenance Charges (USD)

Joining
Service Description
Charges
Principal Affiliate Frequency

Enablement of Acquiring
Free 2,500/- 1,500/- Quarterly
Module
Enablement of Common
Point of Purchase (CPP) Free Free Free NIL
Module
* The services will be enabled on request from the bank and will be charged separately from the
aforementioned standard offering.

3.4 1LINK Certified Third Party Platform

One-time Charge Recurring Charges
Product Type
(USD) Charge Frequency
Certified Third Party Platform (on-us & off-
10,000/- NIL
us)
On-us & Off-us Charged to 1LINK Fee (PKR)
Third-party technology partner (off-us) per
2/-
transaction
Issuer Bank
Third-party technology partner (on-us) per
1/-
transaction

3.5 1LINK Threat Intelligence Platform (1TIP)

Product Type – Module Wise Charges Frequency

Base Platform (Dashboard and Reports) (PKR) 900,000/- Yearly

Threat Feeds Ingestion (PKR) 600,000/- Yearly

Community Sharing Portal Free -

Attack Surface Monitoring (PKR) 600,000/- Yearly

APT Threat Library (PKR) 300,000/- Yearly

Digital Risk Protection – Skurio (USD) 8,400/- Yearly

Note: The charges shall be paid by Financial Institutions to 1LINK in advance and are exclusive of taxes.

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1LINK (Pvt) Limited

Value-added services for Digital Risk Protection:

Service Description Price (USD)*

Free of Cost Take Down Standard take-down service Free
400/- per
Take Down - 3rd Party Exclusive take-down service with SLA
instance
Deep analysis of the customer's digital risk including a
Bi-Annual Executive presentation to the customer’s C-Level 7,200/- per
Briefing Executives. Providing a complete run-through of the annum
findings of the bank over the last six months.
Additional bank users 150/- per
Additional logins from bank employees
over 05 users additional user
Note: The prices are exclusive of applicable tax and subject to revision and can be reconsidered on a
case-to-case basis.

3.5.1 SIEM as a Service (SIEMaaS)

Agent Based Model
Number of Devices Charges (PKR) Frequency
1 - 25 900,000/-
26 - 35 1,200,000/-
36 - 50 1,500,000/-
Yearly
51 - 75 1,800,000/-
76 - 100 2,100,000/-
Per device addition 18,000/-
Agentless Based Model
Number of Devices Charges (PKR) Frequency
1–5 1,200,000/-
6 – 10 2,100,000/-
Yearly
11 - 25 3,600,000/-
Per device addition 120,000/-

Note: Additional integration, maintenance, hosting, and data retention charges may apply on case-to-case
basis. All charges are exclusive of taxes.

3.5.2 SOC as a Service (SOCaaS)

SOC as a Service (SOCaaS)
Service Type Charges (PKR) Frequency
24 X 7 – Daily complete hours 250,000/-
Monthly
8 X 5 – Daily business hours 150,000/-
Note: Charges are exclusive of taxes.

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1LINK (Pvt) Limited

3.6 Hosted Services

Recurring Charges
Product Type Charges
Charge Frequency
Card Management System (CMS) - Debit &
Prepaid
As per agreement NIL
Merchant Management System (MMS)
Merchant Payment Gateway – PayPak

3.7 Tokenization (Issuer Gateway Service)

Category Type Charges

Issuer onboarding per endpoint per scheme USD 40,000/-
USD 0.045 per active PAN or USD 1,500/-
Monthly TSH License Fee (per active PAN)
(whichever is higher)
Per Transaction Fee (all schemes) PKR 0.50

3.8 1PAY Identifier (alias)

1LINK Fee (PKR)
Category Type
Off Us On Us
One time onboarding charges NIL NIL
Registration charges NIL NIL
Alias translation charges NIL 1.25*
* Charges are waived till further notice
All charges are exclusive of applicable taxes.

3.9 1LINK Pre-Certification Kit

Charge to 1LINK License Fee (USD)*
Members USD 750/-
Note: Yearly license fee, on expiry license will have to be renewed by respective members and
mentioned charges shall be applicable. Charges are exclusive of applicable taxes and shall be
handled via daily clearing mechanism.

3.10 1LINK Inquiry Services for Pay Order

Inquiry Services for Pay Order Charges PKR*

Product Membership Maintenance Frequency

Pay Order Inquiry System Free 125,000/- Quarterly

Fee Charge to Acquirer / 1LINK
Per Inquiry Issuer Share
Initiator* Share
Per Inquiry charges 100/- 50/- 50/-
* Charges are exclusive of applicable taxes and shall be handled via daily clearing mechanism.

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1LINK (Pvt) Limited

3.11 1LINK Captured Card Reporting System

Captures Card Reporting System Charges PKR*
Product Membership Maintenance Frequency
Captured Card Reporting System Free 125,000/- Quarterly
Per Card Fee Charge to Issuer Acquiring Share 1LINK Share
Per reported card 50/- 25/- 25/-
* Charges are exclusive of applicable taxes and shall be handled via daily clearing mechanism

3.12 Issuer Access Control Server (ACS) – Union Pay International

One-time Recurring Charge
Product Type
Charge (USD) Charges Frequency
Access Control Server (ACS) – UPI 5,000 /- NIL
Monthly Transactions Slab
To be Charged to 1LINK Fee (PKR)
(Per Transaction)
Up to 50K 3.00
50K+ to 100K 2.50
100K+ to 150K Issuer Bank 2.00
150K+ to 200K 1.50
200K+ 1.00

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1LINK (Pvt) Limited

4 PAYPAK AND PAYPAK CO-BADGE CHARGES

4.1 PayPak Charges – Debit Card
This section covers services provided by PayPak & PayPak Co-badge to Issuing and
Acquiring members.

PayPak Membership (Joining Charges)

Product type One-time Charge (PKR) Remarks
Principal Membership Charges 1,000,000/- Fee will be applicable on
Issuing 500,000/- acceptance of membership
Affiliate Membership application and will be
Charges Acquiring 500,000/- invoiced accordingly.
Event-Based Charges
Category type Charge Remarks
Fee shall be applicable on the
assignment of BIN to the Issuer
BIN Allocation Charges PKR 25,000 /-
and shall be settled through
daily clearing.
Fee shall be charged to
members who require system
General Certification
PKR 25,000/- certification for each project
Charges
and shall be settled through
daily clearing.
• Fee shall be charged to
Certification members who require system
Principal Affiliate
Type certification for each project
and shall be settled through
Issuers Card PKR PKR daily clearing.
Certification 700,000 /- 350,000 /- • Maximum 08 slots shall be
available to members for
EMV Certification PKR PKR
Issuing Host EMV certifications. Members
Charges 300,000 /- 150,000 /-
shall be charged USD 300/-
Acquiring PKR PKR
for each additional slot.
Host 300,000 /- 150,000 /-
Minimum 04 slots shall be
Acquirers allocated for Terminal
PKR PKR
Terminal Certification. Members shall
200,000 /- 100,000 /-
Certification be charged USD 250/- for each
additional slot.
Fee shall be applicable once
arbitration request is received
Arbitration Charges PKR 10,000/- from relevant member and
shall be settled through daily
clearing.
Fee shall be applicable once
card design request is
Card Design Approval
PKR 35,000/- submitted by relevant member
Charges (one-time)
and shall be settled through
daily clearing.

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1LINK (Pvt) Limited

Fee shall be applicable once

Card Design Review card design request is
Charges (on each PKR 10,000/- submitted by relevant member
subsequent request) and shall be settled through
daily clearing.
Category type Charge Remarks
Per each new card issued in
quarter and charged quarterly
PKR 50/- and settled through daily
One-time charge (Charged clearing, (One-time fee on all
quarterly) new cards new issuance, re-
card, re-issuance, migrated,
Card Issuing Fee stolen, damaged, etc.)
PKR 12.5/- per
card charged The recurring fee shall be
Recurring charge quarterly as per charged quarterly and settled
Card in Force through daily clearing.
(CIF)

PayPak Transactional Charges

Product Type Particulars Debit (PKR) Credit (PKR)
Interchange from Acquirer 0.40%
Issuer Bank * 0.20%
Point of Sale (POS)
Switching Fee (1LINK) * 0.15%
Scheme Settlement Fee* 0.05%
Interchange from Acquirer 1.40%
Issuer Bank* 1.00%
E-Commerce Switching Fee (1LINK) * 0.15%
Scheme Settlement Fee* 0.05%
Approved Authorization Fee by Scheme 0.20%
Declined Authorization Issuer Bank* 0.25%
E-Commerce Scheme Fee* 0.25%
Note: Percentage fee will be charged on the transaction amount.
*Inclusive of all applicable taxes paid by Issuer Bank and 1LINK on their respective income share/fee.

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1LINK (Pvt) Limited

4.2 PayPak Co-Badge Charges – Debit Card

Certification Charges
Certification Type Charge
General Re-Certification IPS
EMV Certification
General Re-Certification PayPak
Issuers Card Certification
Charges shall be applicable as per respective certification
Acquirers Terminal Certification
categories
Issuing Host
Acquiring Host
Comfort Testing
Event Based Charges
Ca Category Type Charge Remarks

Fee shall be applicable once

arbitration request is
Arbitration Charges PKR 10,000/- received from relevant
member and shall be settled
through daily clearing.

Fee shall be applicable once

card design request is
Card Design Approval Charges PKR 35,000/- submitted by relevant
(one-time) member and shall be settled
through daily clearing.

Fee shall be applicable once

card design request is
Card Design Review Charges (on
PKR 10,000/- submitted by relevant
subsequent request)
member and shall be settled
through daily clearing.

Membership and Maintenance

Membership Maintenance Charge

Product Type (Joining Charge
Frequency
Charge USD) (USD)
IPS – Issuing 4,000/- 3,000/- Quarterly
IPS – ATM Acquiring NIL NIL
IPS-International POS Acquiring 1,000/- NIL

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1LINK (Pvt) Limited

Card Member Service/Issuing Fee

Recurring
Category Type One-time Charge Frequency
Charge
Per each new card issued in
quarter and charged quarterly
PKR 12.5 per and settled through daily
card charged clearing, (One-time fee on all
PKR 50/-
Card Issuing Fee quarterly as per new cards new issuance, re-
(Charged
Card in Force card, re-issuance, migrated,
quarterly)
(CIF) stolen, damaged, etc.)
Recurring Fee shall be charged
quarterly and settled through
daily clearing.

PayPak Co-Badging Transactional Charges

Product PayPak Scheme IPS Partner
Particulars
Type Debit Credit Debit Credit
As per
Interchange from Acquirer 0.40%
Agreement*
Issuer Bank * 0.20% -
Point of Switching Fee (1LINK) * 0.15% -
Sale (POS) -
Scheme Settlement Fee* 0.05%
Co-badge Partner Scheme As per
-
Fee** Agreement**
Note: Percentage fee will be charged on the transaction amount.
*Inclusive of all applicable taxes. Charges shall be paid by Issuer Bank and 1LINK on their respective
income share/fee.
** Co-badge IPS partner fees will be charged as per the agreement.

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1LINK (Pvt) Limited

4.3 PayPak – Credit Card & Managed Service

PayPak Credit Card & Managed Services

Frequency Charges
Managed Solution Charges
Set-up Fee One Time As per agreement
Card Hosting Fee per Card (Annual) Recurring
Scheme Charges Charges
Frequency
PayPak Only USD PKR
License Fee - 2,000,000/-
BIN Allocation charges - 50,000/-
Certification charges (for Non-EN Issuers) * - 700,000/-
Card Design Approval - 35,000/-
Card Design Revision - 10,000/-
Card Fee** - 275/-
Acquirer Fee Per Transaction (POS) - 0.95%
Issuer Interchange (IRF) (POS) One Time - 0.70%
1LINK Switching & Settlement Fee (POS) - 0.25%
Acquirer Fee Per Transaction (E-Comm) - 1.40%
Issuer Interchange (IRF) (E-Comm) - 1.00%
1LINK Switching & Settlement Fee (E-Comm) - 0.20%
Approved Authorization Fee by Scheme from
0.20%
Issuer (charged on value) (E-Comm)
Declined Authorization Fee by Scheme from
0.25%
Issuer (charged on value) (E-Comm)

Arbitration Charges Per instance - 10,000/-

Scheme Charges Charges

Frequency
PayPak UPI Co-Badge Only*** USD PKR
BIN Allocation Charges 100/- -
Certification Charges One Time 5,000/- -
Card Design Approval - 35,000/-
Loyalty Fee
Classic - NIL
Recurring As per UPI fee
Platinum -
guidelines
Card Fee**

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1LINK (Pvt) Limited

Classic - 300/-
Recurring
Platinum - 500/-
Acquirer Fee Per Transaction (Domestic POS) - 1.10%
Issuer Interchange (IRF) - 0.70%
Recurring
1LINK Switching & Settlement Fee - 0.25%
UPI Charges - 0.15%
IRF - International POS & Ecommerce (D&I) Recurring - 0.85%

Cross Border Transaction Fee – Applicable on 0.60%

Recurring
International Transactions only

1LINK Fee on IRF Recurring - 0.15%

*Applicable on those members who are not implementing credit card managed solution via 1LINK.
** Includes Card Fee and Loyalty Fee and applicable on reported CIF and shall be charged monthly.
(UPI Fee Rs. 25 included for Classic & Gold co-badged card)
*** UPI charges will be applicable as per their fee guidelines.

4.4 Access Control Server (ACS) – PayPak

One-time Recurring Charge
Product Type
Charge (PKR) Charges Frequency
Access Control Server (ACS) –
1,200,000 /- NIL
PayPak
Monthly Transactions Slab
To be Charged to 1LINK Fee (PKR)*
(Per Transaction)
Up to 50K 7.00
50K+ to 100K 6.50
100K+ to 150K Issuer Bank 6.00
150K+ to 200K 5.50
200K+ 5.00
*Fee includes additional authentication security from scheme(s).

4.5 DPS Development Fee

Product Type Charged to Charge (PKR) Frequency
Monthly - Charged PKR
PKR 120/- per card per
DPS Development Fee All PayPak Issuers 10/- (On monthly
year
reported CIF)
Note: Charges are exclusive of applicable taxes and shall be handled via daily clearing mechanism.
PayPak issuers will not be charged any transactional cost on POS transactions by 1LINK.

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1LINK (Pvt) Limited

5 1LINK PERSONALIZATION BUREAU

This section covers charges related to 1LINK Personalization Bureau and other associated
services provided to members.

5.1 Perso Bureau Services Charges

PayPak Personalization Bureau Services Charges
Other Services Category Charge (USD)
Only applicable if card volume /order
Membership (Joining Charges) 5,000/-
is less than 10K
Additional Profile Creation* 18,000/-
Shop Floor onboarding fee 5,000/-
Membership 1,000/- If member wants to use 1LINK Perso
BCP Arrangement Bureau as a BCP arrangement for card
Quarterly 300/- production
Safe Keeping of Plastics
Safe Keeping of Stationery As per agreement
Customize MIS Requirement
Card Personalization Services
Category Type Charge (USD) per card (Up to 10K cards)
Shop Floor 0.25**
Personalization only 0.40**
Personalization + Fulfillment 0.50**
Note: Fee shall be settled through daily clearing.
*New Profile – Change in card vendor, card type (Contact -DI), embossing file, or chip version. Any
upgrade/Change request that involves a slight change in the existing profile and not in its main
components.
** Price to be negotiated based on volumes above 10K.

6 CARD VENDOR CERTIFICATION CHARGES

This section covers card vendor certification services provided by PayPak to card vendors.
Charges are applicable on vendors based on the services availed by them.

6.1 PayPak Certification Fee (as per agreement with vendor)

PayPak certification charges shall be applied to the vendor/customer as per the agreement.

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1LINK (Pvt) Limited

7 SOHNI DHARTI REMITTANCE PROGRAM - SDRP

This section covers charges related to Sohni Dharti Remittance Program - SDRP and other
associated services provided to members in this program.

Recurring Charges
Category Amount (PKR) Charged To Frequency
Receiving financial institutions – FIs
on monthly proportionate basis
Operational and w.r.t number of remittance
4,237,750/- Monthly
Maintenance charges transactions received by each
participating FIs in SDRP loyalty
system
SMS / Communication
and all SDRP incidental At actual Remittance receiving FIs Monthly
charges*
Transactional Charges
Category Amount (PKR) Charged To Frequency
Per remittance 1.25 per
Daily
transaction recorded in remittance Remittance receiving FIs
Clearing
system transaction
Points Awarding Charges
Category Amount (PKR) Charged To Frequency
1% of total points
Points awarding charges Remittance receiving FIs Monthly
awarded
Redemption Processing Charges
Category Amount (PKR) Charged To Frequency
1% of total
Redemption processing
redemption Public sector entities – PSE’s Monthly
charges
processed
Note: All charges are exclusive of applicable taxes.
*SDRP incidental charges includes NADRA, AXA, CRM, Cloudflare, application penetration testing,
Dexguard, API platform & etc.

8 SWITCH / ATM AS A SERVICE

This covers ATM as a service (ATMaaS) provided by 1LINK to members. Charges are
applicable as per the agreement.

9 RECON AS A SERVICE (ReCaaS)

This covers Recon as a Service (ReCaaS) provided by 1LINK to all members. Charges are
applicable as per the agreement.

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1LINK (Pvt) Limited

10 REPORTS, DATA RETRIEVAL & USER CREATION

CHARGES*
This section covers charges for reports, data retrievals, and user creation for members.

Systems Service Charges Frequency

Transactional log PKR 10,000/- On each request
1LINK settlement system reports PKR 10,000/- On each request
1LINK MIS record PKR 10,000/- On each request
Bill Payment Service reports PKR 10,000/- On each request
Switch Dispute Resolution System (SDRS)
PKR 10,000/- On each request
reports
Over the Counter (OTC) reports PKR 10,000/- On each request
State Bank Master Circular Data reports PKR 25,000/- On each request
Fractal User – up to 10 NIL NIL
Fractal User – above 10 USD 100/- Per month on each user
Fractal rule-based** USD 50/- Per month
Fractal customized report*** USD 50/- Per month
SDRS Master User**** PKR 25,000/- On each request
SDRS user – up to 10 NIL NIL
SDRS user – above 10 PKR 5,000/- Quarterly per user
Note: Request of reports, data retrieval & user creation shall be marked to 1LINK at
[email protected] along with covering letter addressing Controller Operations / Head of Business /
COO. 1LINK team shall review the request and arrange the required information.
*Charges are applicable in such cases where any request for reports or data pertaining to a period of
more than the preceding six months which is categorized as historical data. 1LINK shall provide
historical data of the maximum last three years from the calendar date. The above charges shall apply
to members and shall be settled through daily clearing.
**Development of 10 rules are free and a monthly charge of USD 50/- per additional rule shall be
applicable.
***USD 50/- per month for every new report added in the system.
****Single Master user is available for all banks; applicable fee shall be charged in case of additional
master user request.

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1LINK (Pvt) Limited

11 IP CHANGE CHARGES
This section covers charges for IP changes and additional connections.

Systems Charge (PKR) Frequency

Authentic / Phoenix (Core System) 12,500/- On each request
Bill Payment Service 12,500/- On each request
1LINK Settlement System 12,500/- On each request
Web Service 12,500/- On each request
Switch Dispute Resolution System (SDRS) 12,500/- On each request
Over the Counter (OTC) 12,500/- On each request
Fraud Risk Management Service (FRMS) 12,500/- On each request
Per Additional Connectivity (exceeding four
12,500/- Monthly
connections)
Note: IP Change request shall be marked to 1LINK at [email protected] along with a covering letter
addressing the Head of IT. 1LINK team will review and process the IP change request as per the policy
and procedure.
1LINK will map and configure member’s IP in the relevant system free of cost; before the project goes
live. In case a member requires any change in IP, the charge shall be applicable on more than four
connections and shall be settled through daily clearing.

12 TRAINING & DEVELOPMENT CHARGES

This section covers charges of training & development for members.

Area of Training Training Charge (PKR) Frequency

Technical Integration & Certification 100,000/- On each request
ADC Operations 100,000/- On each request
Switch Dispute Resolution System
50,000/- On each request
(SDRS)
Fraudulent Transactions Dispute
50,000/- On each request
Handling (FTDH)
Captured Card Reporting System
50,000/- On each request
(CCRS)
Over the Counter (OTC) 100,000/- On each request
Fraud Risk Management Service (FRMS) 100,000/- On each request
Note: Training request shall be marked to 1LINK BD team at [email protected] along with a covering
letter addressing to the Head of Business Development. 1LINK team will review the scope of training and
plan it accordingly.
The above tabulated charges are minimum. Actual charges will be estimated after analyzing the training
request. Free of cost training will be provided for relevant areas at the time of joining. In case any
member requires additional learning and knowledge sharing session, then charges shall be applicable
and shall be settled through daily clearing. All costs of organizing the training outside Karachi such as
venue, boarding/lodging of trainers, etc., shall be borne by the member requesting the training.

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1LINK (Pvt) Limited

13 NON-COMPLIANCE CHARGES
This section covers non-compliance charges for members i.e. message format, limits, &
reporting compliances.

Particulars Non-Compliance Charge* (PKR) Frequency

Non-Compliance on delayed Monthly on all

100,000/-
PayPak reporting delayed reports
Misreporting of PayPak Card Monthly on all
100,000/-
Data misreporting data
Non-Compliance on delayed Monthly after TAT
3,500/- Per Calendar Days
addition of IMD’s breach

Non-Compliance on delayed Monthly after TAT

3,500/- Per Calendar Days
addition of 1IBFT account screen breach

Channel wise non-compliance

25,000/- (per channel, per product) Monthly
(per channel, per product)

Production cut over without

100,000/- per incident Per incident
official approval from 1LINK
Settlement non-compliance fee
(Charged to concern members,
when settlement halted due to 500,000/- per incident Per incident
in-sufficient balance in BSC
account)

Unilateral 1IBFT blocking Quarterly on all

100,000/-
without approval from 1LINK delayed reports
and intimation to SBP
Monthly on all non-
General Non-Compliance
1.25 compliant
Charge**
transactions
Message format non-compliance Monthly on every
Rs. 500/- Per transaction
(Transmission of garbage in reported
For ATM, IBFT, POS, BPS
message format) transaction

Non-Compliance of Mandatory Monthly on every

Fields in message format Rs 10,000/- per reported incident reported
(Inappropriate field value) transaction

Late submission of regulatory

Monthly after TAT
approval after being live on Rs. 5,000/- Per calendar days
breach
1LINK Platform
Late submission of KYC related
Monthly after TAT
documents pertaining to Rs. 500/- per calendar days
breach
Aggregators
Excessive timeout beyond Monthly after TAT
Rs.100,000/- per incident
communicated timelines breach

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Delay & Non-compliance in

Monthly after TAT
achieving 1LINK required Rs.200,000/- per incident
breach
Information Security protocols

Transactions Limits etc. Twice of the existing price of 1IBFT Daily Clearing
1.25 Per transactions
Monthly on all
Thresholds: Charges applicable on more
Invalid Rejection invalid rejected
than 1% invalid rejection against total
transactions
transactions within month/-
Monthly on all non-
1IBFT without/invalid Title fetch 1.25 Per transactions compliant
transactions
Quarterly on all
Non-Utilization Charges of 250,000/-per member, where issuance is
non-compliant
PayPak BIN less than 5,000 PayPak cards per quarter
cases
250,000/-per member, where issuance is Quarterly on all
Non-Utilization Charges - Perso
less than 5,000 PayPak cards per quarter non-compliant
Services
via 1LINK Perso as per their agreed order cases
Monthly on all non-
EMV Non-Compliance 4/-***(1LINK Share PKR 1/-,
compliant
(Acquirers) Issuing Bank Share PKR 3/-)
transactions
Monthly on all non-
4/-***(1LINK Share PKR 1/-,
EMV Non-Compliance (Issuers) compliant
Acquirer Bank Share PKR 3/-)
transactions
E-Commerce Non-Compliance
5/-**** Monthly on all
Charges (Issuer)
reported CIF
Monthly on non-
E-Commerce Non-Compliance
100,000/-***** compliance
Charges (Acquirer)
member
TAT between
project registration
25% of the Certification fee shall be
and initiation is 60
Hold Project Charge (Project charged to members and 75% of the
business days. In
Registered but not Initiated) Certification fee shall be refunded to
case of breach of
members
TAT, a charge shall
be applied
TAT between
project initiation
50% of the Certification fee shall be
and completion is
Hold Project Charge (Project charged to members and 50% of the
60 business days. In
Initiated but not Completed) Certification fee shall be refunded to
case of breach of
members
TAT, a charge shall
be applied
31-60 Calendar Days → 50,000/-
61-90 Calendar Days → 100,000/- Charges shall be
Mandate Non-Compliance 91-120 Calendar Days → 150,000/- applied on breach
Charge 121-150 Calendar Days → 200,000/- of 1LINK mandate
151-180 Calendar Days → 250,000/- timelines
Above 180 Calendar Days → 300,000/-
Delay submission of SDRP data, Monthly on all
Additional charge of Re 1.25
misreporting, reversal & update transactions

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1LINK (Pvt) Limited

Monthly on all non-

Non-Compliance on FRMS Double transaction charge i.e.0.001 USD
compliance
Transactional data per transaction
transactions
Note: *Member will share resolution timeline, with a single extension but shall not exceed six months,
with 1LINK, after which charges will be applied.
**Charges are applicable on non-compliance of Data Element (DE) field level as per 1LINK message
format document.
***This charge is in addition to 1LINK standard switching fee and shall be charged to members through
daily clearing. EMV Non-Compliance (Issuers) charges are waived till December 31, 2021 and shall be
effective from January 1, 2022.
****These charges are waived till September 30, 2022 and shall be effective from October 01, 2022
*****These charges will be effective from January 1, 2023 and charged to non-compliance member as
per mentioned frequency

Important Note:
a) All charges are exclusive of applicable taxes except the following:
a. ATM Switching fee
b. Interchange Switching fee
c. 1BILL Transaction charges
d. Settlement and Processing charges on International Payment Scheme
b) In case of non-deployment of certified services/products within three months from the date of
certification, members will be required to undergo re-certification and shall be charged
accordingly.
c) All applicable taxes shall be paid by Bank/Initiator and 1LINK as per their respective income
share.
d) Settlement bank exchange rate will be used at the date of issuance of invoice and last settlement
bank provided rate before direct debit/adjustment through Clearing/Settlement file shall be
applicable for conversion.
e) Stamp duty (if any) will be borne by 1LINK customers (banks, billers & others) against services
rendered.

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1LINK (Pvt) Limited

GLOSSARY
1LINK Cyber Threat Intelligence Platform that enables banks/FIs to
consume threat feeds from various sources and prevent possible
1TIP
cyber security incidents via brand risk monitoring and community
threat sharing platform.

1LINK 1 PAY, a new convenient method for Fund

transfers/Merchant payments. 1PAY is a step ahead in payment
1PAY
methods where a 1PAY identifier (alias) will be used for payments
instead of conventional account numbers

The participating entity that owns, maintains, or manages (either

individually, or as part of a network) the acquiring instruments
Acquirer Bank
(such as ATM, POS, e-Commerce Platform, etc.) on which the
accountholder carries out the transaction.

Participant that can avail all 1LINK service however is sponsored by

1LINK’s Principal member must for membership and settlement
Affiliate obligation. Affiliate member are Non-Banking Financial Institute
(NBFI), Exchange Companies, Fintechs, Aggregators, EMI,
PSO/PSPs, etc.
Stands for Application Programming Interface. A set of functions
and procedures allowing the creation of applications that access
API
features or data of an operating system, application, or other
services.

An entity that integrates various sub-billers on 1LINK Bill Payment

Bill Aggregators
Service (BPS).

Participants whose channels - ADC and/or counters are used by

Bill Initiators
customers for the execution of bill payment transactions.

CIF means all basic and supplementary cards that are active or
Card in Force (CIF)
can be activated, including fresh issuance.

Utility companies, vendors, or merchants that integrate directly

Direct Billers
with 1LINK BPS for bill collections.

Fraud Risk Management Fraud Risk Management Service is deployed by 1LINK to monitor
Service off-us, on-us transactions and/or Prevention Module (as
applicable) for any fraudulent activity.
(FRMS)

1LINK provides IPS connectivity to members to issue/acquire IPS,

International Payment Debit Cards which can be used on the Local & International
Scheme (IPS) payments network.

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1LINK (Pvt) Limited

Merchant Discount Rate, which shall be applied as per mutual

MDR
agreement between acquiring bank and respective merchant.

An entity that is not a Financial Institution but is eligible to be part

Non-Banking Entities
of 1LINK Network in terms of the Operational Guidelines.

A Principal Member can issue cards and acquire merchants

directly. They can process transactions and provide processing
Principal Member services. A Principal member is required to settle funds directly
with the Payment Scheme and may also sponsor Affiliate
Members.

Person to Government. Payments are made by individuals

P2G (payers) to government agencies or public sector organizations
(payees).

An entity that is charged by the bank for accepting payments from

Receiving
customers through credit and debit cards.
Customer/Merchant

Refers to FRMS module that entails detecting fraud before it takes

Real-Time Monitoring place and allows bank/affiliate to take appropriate measures to
(Prevention Mode) prevent it.

Near to Real-Time Refers to FRMS module that entails detecting fraud that is either
Monitoring about to happen or after it has happened.
(Detection Mode)
Switch Dispute Resolution System services are offered for
SDRS
handling customer disputes.

SDRP Sohni Dharti Remittance Program

Fraud Transaction Dispute Handling System services are offered

FTDH
for handling 1IBFT fraud disputes.

Sender The entity initiating the funds transfer transaction.

Receiver The entity receiving the funds transfer transaction.

Switching Fee A charge applicable on local and international transactions

Non-banking entities that set up, own, and operate ATMs are
christened 'White Label ATM Operators (WLAOs), and such ATMs
White Label ATM Operators
are called White Label ATMs (WLAs).

“1LINK Schedule of Charges January to June 2024” – “Private/Confidential” Page 32 of 32