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Karsaaz Solutions

Explore Our
Products

Karsaaz Solutions provides a complete set of fintech solutions to banks, financial institutions and regulated industries. Each solution is production-ready, modular, and pre-integrated with Pakistan's banking and payments infrastructure.

Security Infrastructure Illustration

Payments

Digital Wallet System

Digital 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

End-to-End Card Management System

End-to-End Card Management System

End-to-end card lifecycle management covering physical and virtual card issuance, PIN management, spending controls, HSM encryption, mobile wallet provisioning, and instant freeze. Built to PCI-DSS standards.

Banking

Banking Mobile Applications

Banking Mobile Applications

Full-featured iOS and Android banking applications with account management, fund transfers, loan applications, investment dashboards, biometric login, and 24/7 AI support. Built on API-first architecture.

Agent Banking System for Branchless Banking

Agent Banking System for Branchless Banking

Branchless banking platform enabling retailers, kiosks, and field agents to deliver cash-in/cash-out, account opening, loan disbursement, and bill collection with real-time settlement and geo-tracked auditing.

Finance

Configurable Digital Lending Platform

Configurable Digital Lending Platform

A configurable digital lending engine supporting consumer loans, SME financing, microfinance, and buy-now-pay-later products. Incorporates credit scoring using bureau and alternative data, automated workflows, loan origination and servicing, repayment

Cloud-Based Digital Invoicing Solution

Cloud-Based Digital Invoicing Solution

A cloud-based e-invoicing solution that automates the creation, delivery, tracking, and reconciliation of invoices in compliance with local tax and regulatory standards. Supports recurring billing, multi-currency invoicing, payment link generation, and

MMBL
JazzCash
PayFast
Easy Topup
OKKARO

Security &
Compliance

Built for the demands of regulated financial
environments.

PCI DSS Level 1

PCI DSS Level 1

Level 1 compliant card data environment.

ISO 27001 Certified

ISO 27001 Certified

Information security management system aligned.

SBP Compliant

SBP Compliant

BPRD, PRISM, and EIFD regulatory framework alignment.

AES-256 / TLS 1.3 Encryption

AES-256 / TLS 1.3 Encryption

End-to-end encryption at rest and in transit.