1LINK is Pakistan’s first fully licensed PSO/PSP, largest payment and switch system, committed to administer and evolve a strong e-payment network in the country. Complying with the PCI DSS (Payment Card Industry Data Security Standard), 1LINK steers the connections among its member banks and stakeholders under the highest security standards. Being Pakistan’s leading financial enabler, 1LINK has bagged many ‘firsts’ to its profile. 1LINK pioneered the development and operations of the Inter Bank Network which provides interoperability through shared ATM network, real-time interbank funds transfers and connectivity to Global Payment Schemes such as Visa, MasterCard, UnionPay and JCB.

As part of its dedication to building and sustaining consistent payment networks, 1LINK is the catalyzing force behind the development of e-payments in the country, and is focused on adding new products and services to its portfolio to further enhance Pakistan’s financial industry. 1LINK undergoes PCI DSS certification review annually and for PIN security every two years. Additionally, being an SBP regulatee, BID (Banking Inspection Department) SBP periodically conducts inspection under their by-laws covering all aspects of operations, information security, compliance and infrastructure.

1LINK is owned by consortium of 11 banks. It was incorporated with Securities and Exchange Commission of Pakistan (SECP) as a Guarantee Limited Company on September 20, 2004 and with State Bank of Pakistan (SBP)’s approval on September 30, 2015, 1LINK became Pakistan’s first fully licensed PSO/PSP. 1LINK was converted to Private Limited Company under section 49 of Companies Act 2017 on July 5, 2018.

Banking

Payments

1LINK (Pvt) Limited

1LINK (Pvt) Limited's headquarters in Karachi, Pakistan

This department focuses on identifying, analyzing, and mitigating fraudulent activities to protect the organization.

Fraud Prevention

This department oversees the management and coordination of operational activities and processes within the organization.

Operations Management

The Management Team at 1LINK (Pvt) Limited orchestrates strategic planning, operational oversight, and leadership across various functions including finance, product development, IT governance, and human resources. Comprising senior managers and specialized officers, the team ensures alignment with regulatory standards, drives innovation in e-payment solutions, and sustains productive relationships with member banks and global payment schemes. Their collective effort facilitates 1LINK's mission to enhance and secure Pakistan's e-payment infrastructure.

Management Team

The Information Technology team at 1LINK (Pvt) Limited is responsible for maintaining and advancing the company's robust e-payment network infrastructure. The team ensures the seamless functioning of IT systems, network security, application development, and data science operations while complying with stringent security standards like PCI DSS. They work on integrating and managing interbank networks, enhancing cybersecurity protocols, and developing innovative e-payment products and services to sustain 1LINK’s position as Pakistan’s premier payment and switch system.

Information Technology

The Director and Officer Team at 1LINK (Pvt) Limited comprises the company's top executive and decision-making cadre, including the Chief Executive Officer, Directors, Chief Financial Officer, Company Secretary, and Chief Compliance & Risk Officer. This team is responsible for setting strategic direction, ensuring regulatory compliance, financial oversight, risk management, and steering the overall governance of the organization. They work collaboratively to maintain the highest standards of security and efficiency in Pakistan's largest payment and switch system, driving innovations in the country’s e-payment network.

Director and Officer Team

This department ensures the quality and reliability of software products through systematic testing and evaluation processes.

Quality Assurance

This department focuses on the onboarding and training of new management trainees to prepare them for future roles within the organization.

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Other teams

Operations Management

Management Team

Information Technology

Director and Officer Team

Quality Assurance

Trainee Development