Ajarpay, and its subdomain variant pwa.ajarpay, have surfaced in investigative logs as frontend payment shells, enabling the obfuscation and redirection of high-risk financial traffic. While masquerading as a legitimate payment interface, this infrastructure is reportedly being used in grey-market processing pipelines, and in some cases, intersecting with suspicious IP activity from Pakistan and surrounding regions.
🕸 What Is Ajarpay?
At a glance, Ajarpay resembles a mobile-first PSP: sleek UI, progressive web app (PWA) structure, clean payment URLs. But beneath the surface, there’s no corporate presence, no licensing, no public ownership, and no transactional legitimacy.
Instead, it’s used as a transactional detour point—an endpoint through which funds are routed, disguised, then transferred to actual offshore processors or digital wallets.
Common characteristics:
- No KYC/AML compliance layers
- Hosted on CDN or low-profile registrars
- Frequently changing subdomains (e.g.,
pwa.ajarpay) - Links passed via Telegram bots, shortlinks, and fake e-commerce sites
🌐 Pakistan: A Suspected Transit Point
There is no formal connection between Ajarpay and financial institutions in Pakistan. However, network logs and threat intelligence indicate:
- Repeat interactions with pk-geo IP addresses, especially in early-stage payment routing.
- Appearance in reroute chains used by gambling and betting apps banned in Pakistan.
- Mentions in Telegram admin panels advertising “safe gateways for JazzCash users” and “auto-verification bypass” via Ajarpay-style redirects.
This suggests Ajarpay may be used as an intermediary shell—a layer between front-end phishing or spoofed wallets and the final processing endpoint.
🧨 Why This Matters
Fake payment shells like Ajarpay pose a dual threat:
- For end users – their transactions and data are passed through unverified, unsecured intermediaries.
- For regulators and AML systems – such gateways mask the true origin/destination of money, frustrating investigations and facilitating laundering at scale.
They are often deployed just long enough to process a batch of illegal flows, then rotated out and replaced.
🔒 Recommendations
To mitigate risk:
- Block DNS and TLS fingerprints associated with
ajarpayandpwa.ajarpay. - Monitor for redirect patterns where Ajarpay is a passthrough layer.
- Treat transaction paths involving unlicensed shells with spoofed merchant UIs as high-risk.
- Coordinate with fintech regulators in regions like Pakistan where such flows are being routed.
🧠 Final Note
Ajarpay is not a real payment processor. It is a hollow transactional mask, one increasingly used in hybrid fraud schemes involving grey-market services, gambling, and compromised user data. Its presence in international logs tied to reroute traffic should trigger attention across compliance, techsec, and mobile fintech ecosystems.
We will continue to track its infrastructure and welcome submissions from analysts or affected parties with verified screenshots, traffic logs, or phishing traces.