> 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/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/ji-cheng-zhi-nan/zhi-fu-qu-dao-xin-xi/zhi-fu-qu-dao-geng-xin/xin-qu-dao-gong-gao/pakistan-hbl-konnect.md).

# Pakistan HBL Konnect

{% hint style="success" %}
**什么是巴基斯坦 CNIC？**\
巴基斯坦 CNIC（计算机化国民身份证）是 NADRA 向巴基斯坦公民颁发的唯一 13 位数身份证。HBL Konnect 在开设数字钱包或无分行银行账户时需要 CNIC 来验证用户身份。CNIC 可确保账户与有效的巴基斯坦公民关联，从而实现安全、合规的金融交易，如转账、账单支付、手机充值和政府付款。使用 CNIC 有助于 HBL Konnect 满足监管要求，并通过用户的官方国民身份证进行身份验证，防止欺诈行为。
{% endhint %}

❗我们很高兴向您介绍“HBL Konnect”——专为Codapay用户打造的支付渠道。通过引入“HBL Konnect”，我们为用户提供了一个无缝便捷的本地电子钱包支付选项。

以下是有关这一全新支付方式的一些重要信息：\
📱 **电子钱包渠道**：HBL Konnect 是一个电子钱包渠道，用户可以通过自己熟悉的电子钱包购买所需商品。

💲 **价格限制**：请点击[此处](/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/ji-cheng-zhi-nan/ge-qu-dao-jineji-xian-zhi.md)查看详情。如需更多信息，请联系我们的商务团队。

🔒 **身份验证**：在使用 HBL Konnect 进行支付时，系统将跳转至结算页面，用户需提供与钱包账户绑定的CNIC号码和MSISDN才能继续支付流程。

⏰ **交易有效期**：请注意，通过 HBL Konnect 发起的交易有效期为15分钟。用户需在限时内完成付款，以确保交易成功。

💻 **集成说明**：对于商户和开发者，请注意：HBL Konnect 目前只支持支付页面API。遗憾的是，目前尚不支持后端API的对接。感谢您的理解与配合。

我们鼓励所有用户使用这一支付渠道，享受高效便捷的支付体验。通过将“HBL Konnect”引入我们的平台，我们致力于为用户提供一个量身打造、值得信赖的支付解决方案，以满足其特定需求。

**流程说明**

|                                                                                                     |                                                                             |
| --------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------- |
| <div><figure><img src="/files/BNGJEA6ZvM58Tw8TVs09" alt=""><figcaption></figcaption></figure></div> | <ol><li>用户选择 HBL Konnect 作为支付渠道</li><li>系统提示用户输入其 CNIC 号码和 MSISDN</li></ol> |
| <div><figure><img src="/files/fTZClrgV7CjJX2au50Wp" alt=""><figcaption></figcaption></figure></div> | <ol start="3"><li>用户在验证码输入页面输入一次性密码（OTP）</li></ol>                          |
| <div><figure><img src="/files/gx5nwKacd0ll6aKB7ZKs" alt=""><figcaption></figcaption></figure></div> | <ol start="4"><li>Coda 显示“待处理”页面</li></ol>                                  |
| <div><figure><img src="/files/jTBF6VZNiokBRX7mOrrB" alt=""><figcaption></figcaption></figure></div> | <ol start="5"><li>支付完成</li></ol>                                            |


---

# 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/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/ji-cheng-zhi-nan/zhi-fu-qu-dao-xin-xi/zhi-fu-qu-dao-geng-xin/xin-qu-dao-gong-gao/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.