Alfalah Digital Payroll
The Product
Digital Banking Payroll is a user friendly solution that allows companies to disburse salaries directly into the Mobile Wallet Accounts of the employees.
Mobile account linked to PayPak card
Salaries are directly disbursed to the accounts at the prescribed time.
To get cash, the employees can visit any Alfalah branch, 1 Link ATMs across Pakistan or Alfa agents.
Secure – Payroll Card is the safest way of disbursement of salaries for the organization and the employees, where there is no involvement of cash.
Cost Effective – It eliminates overhead cost for the company.
Paperless account opening, Deployment is simple and & execution is fast
Transactional Privileges
Balance Inquiry
Top up/ Bill Payment
Transaction History
ATM Cash withdrawal
Funds Transfer
Mini Statement from ATM
ALFA App
Attributes & Details
Account Type – Non Interest bearing
Access Mode – Mobile Channel (ALFA App – PayPak Debit Card)
Access Points – ATMS (On-us & Off-us), Bank Alfalah Branches (700+), ALFA Agents & POS Merchant Locations.
Transaction Type – Level 0 (Rs. 25,000 per day – Rs. 50,000 per month – Rs. 200,000 per year)
Level 1 (Rs. 50,000 per day – Rs. 200,000 per month)
Benefits to Client
Hassle free, cost effective & saves time
Payroll portal for disbursement
Simplified enrolment process for organizations & employees
Secure as removes cash management challenges
Availability of transactional records and reports
Employer Financing for salary transfer
Benefits to Employees
Salary will be directly transferred in the payroll wallet account every month & will be instantly accessible through debit card
SMS alerts for transactions
Employees will not have to visit the branch for account opening
Advanced Salary option/Bike financing
Free of cost Insurance
Discounts on various restaurants/retail outlets
Payroll Cards Issuance (Bulk)
Visit to client & Agreement sign off
Data collection & Employee
Data Processed & Accounts opened (Level 0)
Cards delivered to employees & activated via Call center/ATM
Level 1 Account Upgrade
Sales team will visit client premises with tablet or employee can visit any BAFL branch
Employee will provide his CNIC & Mobile number
Employee will provide biometric verification
Account will be upgraded to Level 1
Disbursement Backend by Bank
Disbursement initiated by the bank to its parent branch
Branch endorses & verifies the request
Request forwarded to branchless banking ops
Disbursements made to respective accounts in bulk
Confirmation sent to the client and respective branch
Employees receive SMS alert of disbursement
Disbursement via Portal by Client
Company HR staff will upload disbursement file on portal
Company checker will login to the portal
Checker will approve the disbursement file
Disbursement made to respective account in bulk
Employees receive SMS alert of disbursement
Particulars & Charges
Account Opening/Card Issuance – Free
Cash Withdrawal – Bank Alfalah ATMS – Free
Cash Withdrawal (Other 1-Link ATMs) – Rs. 18.75/- per transaction
Card Replacement Charges – up to Rs. 375/- (EMV Card)
Funds transfer to BAFL Account – Free
IBFT (Other banks) – Rs. 75/-
POS – Retail Purchases – Free
Per Disbursement Fee – Rs. 50/- (Negotiable)