Step by Step
How to Pay — Full Process
01
Insert your ATM card and enter PIN.
02
Select 'Bills Payment' → 'Utility' → 'Electricity'.
03
Choose your DISCO and enter your 14-digit reference number.
04
Confirm the amount and complete. Collect the printed slip.
05
For a branch counter: hand the paper bill and cash to the teller; they stamp the bill and hand back the consumer copy.
Pros & Cons
Advantages & Limitations of This Method
✓ Advantages
- Works when you do not have a smartphone or data.
- Paper stamp on the bill is accepted by any DISCO office.
- Cash-pay at branch counter is still supported nationwide.
⚠ Limitations
- ATM cash withdrawal limits do not apply, but transaction timeouts can if you pause.
- Branch counters have business hours; a 24/7 ATM or app is faster.
FAQ
Frequently Asked Questions
Which ATMs can I use?
Any ATM displaying the 1Link logo accepts bill payments. That covers essentially every bank ATM in Pakistan.
Can I pay someone else's bill?
Yes - a bill is identified by reference number, not consumer name. Friends and family commonly pay each other's bills.