> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/codapay/integration-guides/payment-channel-info/payment-channel-update/new-channel-announcement/pakistan-hbl-konnect.md).

# Pakistan - HBL Konnect

{% hint style="success" %}
What is Pakistan CNIC?\
Pakistan CNIC (Computerized National Identity Card) is a unique 13-digit ID issued to Pakistani citizens by NADRA. HBL Konnect requires CNIC to verify the identity of users when opening a digital wallet or branchless banking account. The CNIC ensures that the account is linked to a valid Pakistani citizen, enabling secure and compliant financial transactions such as money transfers, bill payments, mobile recharges, and government disbursements. Using CNIC helps HBL Konnect meet regulatory requirements and prevent fraud by authenticating users through their official national ID
{% endhint %}

❗We are excited to introduce "HBL Konnect" our payment channel designed exclusively for Codapay users. With the inclusion of "HBL Konnect," we are proud to offer a seamless and convenient payment option with this local e-wallet payment.

Here are some key details about this new payment option: 📱 e-wallet Channel: HBL Konnect is a platform allowing users to purchase their desired items with their familiar e-wallet.

💲 Price Point Limit: Refer [here](https://coda-payments.gitbook.io/coda-private-technical-documentation/references/price-point). CONTACT Business Development Team for further details.

🔒 Authentication: When proceeding with payment in HBL Konnect, it redirects users to the Pay checkout page, CNIC Number & MSISDN linked to wallet account are required to proceed with the payment.

⏰ Transaction Expiry: Please note that transactions made through HBL Konnect have a validity period of 15 minutes. Users may complete payment within this timeframe to ensure a successful transaction.

💻 Integration Details: For merchants and developers, please be aware that HBL Konnect integration supports the payment page API. Unfortunately, the Backend API integration is currently not available. We appreciate your understanding and cooperation in this matter.

We encourage all our users to take advantage of this payment channel, leveraging an efficient payment experience. By incorporating "HBL Konnect" into our platform, we aim to provide a tailored and reliable payment solution that meets the specific needs of our users.

**Flow Description**

<table data-header-hidden><thead><tr><th width="311"></th><th></th></tr></thead><tbody><tr><td><div><figure><img src="/files/V3wPzHEtteou2BMB8WVl" alt=""><figcaption></figcaption></figure></div></td><td><ol><li>User selects HBL Konnect as a payment channel</li><li>User is asked to enter their CNIC Number and MSISDN</li></ol></td></tr><tr><td><div><figure><img src="/files/TAeIP2mIfi7lu6Q0j1z4" alt=""><figcaption></figcaption></figure></div></td><td><ol start="3"><li>User enters OTP on OTP input screen</li></ol></td></tr><tr><td><div><figure><img src="/files/0FZ3LaHFlZLzrQSUXLRC" alt=""><figcaption></figcaption></figure></div></td><td><ol start="4"><li>Coda displays the pending page</li></ol></td></tr><tr><td><div><figure><img src="/files/0q2ZVuexn1tryRL9QenY" alt=""><figcaption></figcaption></figure></div></td><td><ol start="4"><li> Payment completed</li></ol></td></tr></tbody></table>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.coda.co/codapay/integration-guides/payment-channel-info/payment-channel-update/new-channel-announcement/pakistan-hbl-konnect.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.