Move Money Your Way
Build and operate payment systems, wallet infrastructure, and financial workflows through
platforms connected with licensed banking partners.
15+
Active Clients
50M+
Transactions Monthly
99.9%
Uptime SLA
8–12 Weeks
Average Go Live
Who We Are
Built for Financial Scale
Karsaaz Solutions works with financial institutions and fintech companies to build secure and scalable digital financial platforms. We focus on structured architecture, secure integrations, and governance-aware delivery to support stable operations within regulated environments.
Our Mission
To support financial institutions and fintech organisations with secure, modern, and scalable digital platforms that strengthen operational workflows and enable responsible financial innovation. We focus on building systems aligned with real-world processes and long-term objectives.
Our Vision
To be a trusted fintech technology partner for organisations navigating digital financial transformation. We aim to deliver adaptable, integration-ready platforms that evolve alongside regulatory requirements, transaction growth, and market changes.
Explore Our Products
Payment Gateways
A PCI-DSS-compliant payment processing infrastructure that securely routes online and in-app transactions between merchants, acquiring banks, and card networks. Supports local and international payment methods, tokenisation, 3D Secure authentication, d...
Wallet System
A multi-currency, multi-wallet digital payment platform enabling users to store, send, receive, and manage funds electronically. Supports P2P transfers, QR-code payments, top-ups via bank or card, and real-time balance management, all secured by end-to...
Identity Verification
Digital onboarding and KYC platform with NADRA eKYC integration, biometric verification, liveness detection, and AML screening. Designed for banks and fintechs operating under SBP requirements.
We Provide Services Across
Long-Term Platform Support
Continuous support for fintech platforms after launch maintenance, feature releases, integration updates, and compliance.
Fintech Platform Development
We build secure, scalable fintech platforms for wallets, payments, lending, and banking engineered for regulated environments in Pakistan.
Cybersecurity & Compliance
We protect fintech platforms with security testing, audit readiness, and compliance aligned with SBP, PCI DSS, and ISO 27001.
Cloud & DevOps Engineering
We design and run cloud, on-premise, and hybrid infrastructure for fintech platforms that need to stay always-on.
Fintech Quality Assurance
We test fintech platforms for transaction accuracy, security, performance, and compliance so you can launch with confidence.
Fintech Resource Augmentation
Skilled fintech engineers, security experts, QA professionals, and DevOps specialists - ready to integrate with your team and deliver.
Technology That Just Works
Everything you need to launch, scale, and stay ahead is built into one powerful platform.
Security & Compliance
Built for the demands of regulated financial environments.
PCI DSS Level 1
Level 1 compliant card data environment.
ISO 27001 Certified
Information security management system aligned.
SBP Compliant
BPRD, PRISM, and EIFD regulatory framework alignment.
AES-256 / TLS 1.3 Encryption
End-to-end encryption at rest and in transit.
Why Choose Karsaaz Solutions
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments in Pakistan. Our approach combines structured system architecture, integration-ready engineering, and compliance-aware delivery.
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Pakistan-Native Payment Integrations
Existing connections with Raast, 1Link, NIFT, and partner banks mean no custom integration work required from your team.
PCI-DSS from the Ground Up
Security and compliance are built into the architecture from day one, not added as a layer after the fact.
Configurable Routing Rules
Define your own routing logic by merchant category, transaction type, or bank for full control over payment flows.
Fraud Controls You Can Tune
Adjust fraud scoring thresholds, block lists, and velocity rules to match your specific risk appetite and merchant mix.
Industries We Empower
Commercial Banks & NBFIs
Real-time fraud scoring and intelligent routing improve transaction approval rates across all channels.
Microfinance Institutions
End-to-end lending platforms with agent banking and field operations for inclusive financial services across Pakistan.
EMIs & Neobanks
SBP tier-compliant wallet platforms, digital onboarding, and payment rails for next-generation electronic money institutions.
E-commerce & Retail
Payment gateway, merchant onboarding, and checkout integrations that turn carts into completed sales across online channels.
Insurance & Takaful
Premium collection, claims processing, and customer engagement tools built for conventional insurance and Takaful operators.
Built on Real Banking Integrations
Karsaaz Solutions facilitates live technology integrations with licensed banking and payment partners across Pakistan, enabling real payment and disbursement workflows. All regulated settlement and processing functions are performed by the respective licensed institutions.
Blogs
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Why APIs are the Building Blocks of Open Banking
- API Integration TeamThe Rise of Islamic Fintech and Shariah-Compliant Solutions
- Islamic Banking ExpertsTop 5 Security Practices for Mobile Wallets
- Security LabsNavigating SBP Compliance for Microfinance Institutions
- Regulatory TeamHow Payment Gateways are Empowering E-Commerce
- Tech Team