SBP Cooling Time Rule Mobile Payments Pakistan – Key Update for Users

The SBP Cooling Time Rule now shapes mobile payments in Pakistan. You still send and receive money instantly. However, the receiver needs to wait two hours before using the funds. This brief pause gives everyone more control and confidence.
The rule adds a safety layer for all mobile wallet users. For example, you can report a wrong transfer during this time. Therefore, the money stays protected until support teams review the issue. This helps reduce stress for people who rely on digital payments.

SBP Cooling Time Rule Explained in Simple Terms

The rule places a two-hour hold on money that arrives in mobile wallets. The amount appears immediately, yet it remains locked for use. As a result, accidental transfers become easier to manage. You can call your service provider and request a reversal before the money becomes active.
All major platforms now follow this requirement. JazzCash, Easypaisa, UPaisa, SadaPay, and NayaPay follow the same timing. The change improves transparency across the entire system. In addition, it lowers the chances of quick-withdrawal fraud.
The State Bank introduced the rule to reduce common digital risks. Before this step, reversing a mistaken payment felt nearly impossible. Now, people have a fair chance to fix errors. The two-hour window supports smoother communication between customers and service providers.

Benefits for Everyday Mobile Wallet Users

The rule improves digital safety in Pakistan. It offers a practical buffer during unexpected issues. In addition, it supports faster action against scams. Service teams can stop suspicious activity before funds disappear.
People can protect themselves by checking numbers and amounts before sending money. Saving receipts also helps. Overall, this rule builds stronger trust in mobile
payments and supports safer transactions for everyone.