How paying your maintenance actually works
From the bill landing on your phone to the receipt in your hand — every step, every method, every fee, spelled out.
Step by step
Six steps, once a month
Most residents finish in under a minute.
Step 1
Your bill is issued
On the 1st of every month, your union office issues a bill against your flat. It lands as a push notification in the app, and as a WhatsApp message if your society has that switched on.
Step 2
Check what you owe
Open the Payments tab in the app, or this website. You'll see the amount, the due date, and your bill reference — a permanent code for your flat, like GH-B-402.
Step 3
Choose how to pay
Card, JazzCash, EasyPaisa, Raast, bank transfer or QR. You can also still pay cash at the union office — the treasurer records it and the app updates.
Step 4
Pay securely
Online payments are handled by Swich, a licensed Pakistani payment provider. You enter your details on their page, not ours. Imarat360 never sees or stores your card number.
Step 5
Get your receipt
Your bill is marked paid within 15 minutes. A receipt is saved in the app, emailed to you, and sent on WhatsApp. It's a valid proof of payment — keep it.
Step 6
The union office sees it
Your payment appears instantly on the union's dashboard against your flat, so nobody has to chase you and no register has to be updated by hand.
Fees
What it costs you
Imarat360 does not charge residents to pay their own bill.
A single online transaction is capped at Rs 50,000. Larger amounts can be paid in instalments, by bank transfer, or at the union office.
Questions
The things residents actually ask
Where does my money actually go?
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To your society. Imarat360 collects maintenance on behalf of your union — we act as a facilitator, not the recipient. Funds settle to the society's own account, and the union office reconciles your payment against your flat.
What is a bill reference, and where do I find it?
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It's a permanent code for your flat — for example GH-B-402, meaning Gulshan Heights, Block B, Flat 402. It's printed on every bill, shown on the Payments tab in the app, and it's how your payment gets matched to you. It never changes.
Can I pay only part of my bill?
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Yes. Pay what you can; the remainder stays on the bill as an outstanding balance and continues to show as due. Note that a single online transaction is capped at Rs 50,000, so very large arrears may need to be paid in more than one go.
My payment failed but money left my account. What now?
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That's usually a temporary hold, not a charge, and your bank releases it within 3 to 5 working days. If it hasn't been released after that, contact us with your transaction ID and we'll trace it with Swich and your union office.
I paid twice by mistake.
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Contact us with both transaction IDs. Duplicate payments are refunded to the original payment method, or credited to your next month's bill if you'd rather — your choice. See the Refund & Cancellation Policy for the full detail.
Can I still pay cash at the office?
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Always. Nothing about Imarat360 forces a society to go cashless. The treasurer records your cash payment in the dashboard, and it shows up in your app with a receipt exactly as an online payment would.
Is my card safe?
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Your card details are entered on Swich's PCI-DSS compliant payment page, never on an Imarat360 page. We receive a transaction reference and an outcome — never your card number, expiry or CVV.
Still stuck? Read the Refund & Cancellation Policy, the Terms & Conditions, or just talk to a human.
Pay from your pocket, not the office
The Imarat360 app keeps your bill, your receipts and your complaints in one place. Free for residents, forever.