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Karsaaz Solutions

Merchant Banking and Retail Payment Solutions

Integrated merchant banking platform supporting POS, mPOS, QR, and online checkout with merchant dashboards, automated daily settlement, dispute management, and loyalty program integration.

All Channels.
One Platform.

Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and governance-aware delivery to support reliable digital financial operations. We operate strictly as a technology development partner and do not provide financial services.

  • POS, mPOS, QR, and online checkout supported
  • Real-time merchant dashboards
  • Automated daily settlement reports
  • Dispute management workflows built in
  • Loyalty program integration ready
  • Working-capital financing available
All Channels.
One Platform.

Key Features

Multi-Channel Payment Acceptance

Multi-Channel Payment Acceptance

POS terminals, mPOS, QR-code payments, and online checkout from a single merchant platform.

Merchant Dashboard

Merchant Dashboard

Real-time transaction monitoring, sales analytics, and account management from a web portal.

Daily Settlement Reports

Daily Settlement Reports

Automatic daily reporting and settlement with full transaction breakdown, merchant dashboards, dispute management, loyalty program integration, and working-capital financing options.

Dispute Management

Dispute Management

Structured chargeback workflows with case management and resolution tracking.

Loyalty Program Integration

Loyalty Program Integration

Points, cashback, and gift card programs to drive repeat purchases.

Working-Capital Financing

Working-Capital Financing

Revenue-based financing options for merchants based on transaction history.

Real-Time Fraud Scoring

Real-Time Fraud Scoring

AI-powered fraud detection on every transaction to protect merchants.

Multi-Currency Support

Multi-Currency Support

PKR and international currency acceptance for merchants serving international customers.

API Integration

API Integration

RESTful API integration for e-commerce platforms, ERP systems, and business tools.

Achieve Measurable Results

Higher Sales Conversion

Multi-channel acceptance reduces cart abandonment and increases completed transactions.

Better Cash Flow Management

Daily settlement reports and financing options improve cash flow visibility.

Reduced Fraud Losses

Real-time scoring and dispute management reduce chargebacks and fraudulent transactions.

Improved Customer Loyalty

Loyalty integration drives repeat purchases and increases customer lifetime value.

Regulatory Compliance

Built to align with SBP requirements and partner institution standards from day one.

Scalable Infrastructure

The platform scales as your merchant base and transaction volumes grow.

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All Channels in One System

All Channels in One System

POS, mPOS, QR, and online checkout are managed from a single platform with unified settlement and reporting.

Automated Daily Settlement

Automated Daily Settlement

Settlement reports are generated and reconciled automatically every day without manual matching.

Built-In Dispute Workflows

Built-In Dispute Workflows

Chargeback cases are opened, tracked, and resolved within the platform with evidence collection built in.

Working-Capital Financing Options

Working-Capital Financing Options

Merchants with strong transaction history can access revenue-based financing directly through the platform.

Loyalty Program Ready

Loyalty Program Ready

Points, cashback, and gift card programs can be activated for your merchant network from the same system.

Get a Quote
OUR 6 STEP PROCESS

How We Deploy Your Merchant Banking Platform

Discovery and Requirements

Discovery and Requirements

Understanding your merchant categories, payment channels, settlement needs, and regulatory expectations.

Architecture and Integration Design

Architecture and Integration Design

Structuring merchant portal, payment routing, settlement, and banking integration plans.

Integration Build

Integration Build

Building banking, card network, and e-commerce platform integrations.

Platform Development

Platform Development

Building merchant portal, payment processing, settlement, and dispute management.

Testing and Validation

Testing and Validation

Validating transactions, settlement, fraud scoring, and compliance workflows.

Deployment and Optimisation

Deployment and Optimisation

Launching your platform with monitoring and continuous improvement.

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Contact Us

Let's Discuss
Get Started in 3 Steps
A Clear, Three-Step Website Process
1. Share Your Requirements
Tell us about your merchant categories, payment channels, and compliance expectations.
2. Design and Planning
We design the merchant architecture covering payments, settlement, disputes, and compliance.
3. Deploy and Optimise
Your platform is built, tested, and deployed with ongoing support.

 

 

General Inquiry

 

 

 

 

Your Questions, Answered
Which payment channels does the platform support?

POS terminals, mPOS, QR-code payments, and online checkout are all supported from a single integrated platform.

How does daily settlement work?

Settlement reports are generated and reconciled automatically every day with full transaction breakdown. No manual matching is required.

How are chargebacks and disputes handled?

Chargeback cases are opened, tracked, and resolved within the platform. Evidence collection and response generation are automated.

Can the platform integrate with our e-commerce system?

Yes. RESTful API integration is available for e-commerce platforms, ERP systems, and other business tools.

Is loyalty program integration supported?

Yes. Points, cashback, and gift card programs can be activated for your merchant network from within the same system.

Can merchants access working-capital financing?

Yes. Revenue-based financing options are available for merchants with a strong transaction history on the platform.

Merchant and Retail Banking Solutions in Pakistan | Karsaaz Solutions