Step by Step
How to Pay — Full Process
01
Open any bank or wallet app that is a 1Link member.
02
Navigate to 'Utility Bill Payments' or 'Electricity'.
03
Select your DISCO.
04
Enter your 14-digit reference number - 1Link queries PITC for your current bill amount.
05
Confirm and pay. 1Link settles the transaction between your bank and the DISCO.
Pros & Cons
Advantages & Limitations of This Method
✓ Advantages
- Single rail behind every major Pakistani payment app - you do not need separate accounts.
- Standardised bill format means the same reference number works everywhere.
- Authorised and audited by the State Bank of Pakistan.
⚠ Limitations
- You cannot use 1Link directly - always via a member bank or wallet.
- Occasional platform maintenance windows (rare) can delay lookups.
FAQ
Frequently Asked Questions
Does 1Link charge me a fee?
No. Banks and wallets absorb the interchange fee; end-users typically pay zero on electricity bill payments.
How can I tell if my app uses 1Link?
If the bill list mentions '1Link utility billers' or if the transaction SMS references a 1Link/UP code, the payment is routed through 1Link.