Pakistan fintech · SECP registered · awaiting SBP & host-to-host authorisations
The cloud-powered technology layer for Pakistan’s money. Open-banking software for institutions, payment-gateway design for merchants, and instant-transfer architecture for everyone — built to move fast, stay secure, and stay honest about what is licensed today.
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Pakistan desk only — domestic rails, Pakistani banks and PKR collections.
This website is operated by STRATOS FINTECH (PRIVATE) LIMITED
SECP CUIN 0345801 · FBR NTN J458050-3 · PSEB Z-25-21254/26
STRATOS FINTECH (PRIVATE) LIMITED is a Pakistan fintech. Payment gateway, open banking, instant-transfer and settlement products described on this website will go live after the required licences and host-to-host authorisations from the State Bank of Pakistan and partner banks. The company does not currently hold an EMI, PSO, PSP or banking licence.
Who we are
STRATOS FINTECH (PRIVATE) LIMITED (Stratos Fintech (Private) Limited) is a Pakistan fintech (SECP CUIN 0345801, incorporated 15 July 2026 under the Companies Act, 2017 (XIX of 2017)). We are building payment, open-banking and settlement products for institutions, merchants and exporters — always inside the frameworks administered by the State Bank of Pakistan, SECP, FBR and PSEB.
The public website, the staff and merchant control panel, Shufti Pro KYC journeys and the official iOS/Android app are live. Card acquiring, e-money wallets and payment-system operation start after the required State Bank of Pakistan licences and host-to-host bank arrangements.
This website is operated by STRATOS FINTECH (PRIVATE) LIMITED · CUIN 0345801 · Legal entity & certificates
STRATOS FINTECH (PRIVATE) LIMITED is a Pakistan fintech. Payment gateway, open banking, instant-transfer and settlement products described on this website will go live after the required licences and host-to-host authorisations from the State Bank of Pakistan and partner banks. The company does not currently hold an EMI, PSO, PSP or banking licence.
What we offer
Banks, PSOs and merchants underwrite three things: (1) a named SECP company with published directors, (2) software they can inspect in a sandbox, and (3) copy that never pretends an EMI or PSO licence exists before it does. Stratos is built around that Pakistan-first pattern.
API-first rails that help banks and lenders ship modern digital products in weeks — not the years a core replacement demands. Standards-aligned, secure, and designed to sit under SBP guidelines once the relevant authorisation or bank-sponsored model is in place.
Accept cards, wallets, Apple Pay, Google Pay and bank transfers through one integration — designed for merchants from a single storefront to a national chain, with 3DS2-ready checkout design and a refund/dispute console.
Inbound collection design from the UK, USA, UAE and Europe with live balance visibility and automated FX pathways — full audit trails and SBP-aware reporting language for finance teams and Authorised Dealer banks.
Disburse to Pakistani bank accounts over Raast and 1LINK-oriented rails in seconds. Automated, reconciled and always-on — payroll, refunds and vendor payments without waiting on a batch window.
A secure iOS and Android app for how Pakistanis actually pay — fast, simple, trusted. Same live ledger as the Pakistan web portal. Biometric pathways and peer transfers sit on the product roadmap, not as unlicensed e-money.
Host-to-host connections, webhooks and a dedicated onboarding team that gets corporate systems reconciling from day one. ERP connectors, custom reporting and line-item payout status instead of file-level opacity.
iOS & Android
The official Stratos app is installable today from the Apps page — Add to Home Screen on iPhone and Android. Payments, activity, wallet views and the Pakistan control-panel modules share one centralised ledger with this website.
Market context
Pakistan’s digital payments stack is being rebuilt around instant, interoperable infrastructure. The State Bank of Pakistan’s Raast instant payment system — together with the long-standing 1LINK switching network — is shifting the market from delayed batch transfers toward real-time person-to-person, person-to-merchant and bulk disbursement. Pakistani fintechs, merchants and institutions need rails that sit cleanly on that stack while remaining honest about licensing boundaries.
How we compete
Banks, PSOs and merchants underwrite three things: (1) a named SECP company with published directors, (2) software they can inspect in a sandbox, and (3) copy that never pretends an EMI or PSO licence exists before it does. Stratos is built around that Pakistan-first pattern.
Pakistan’s merchants and institutions are asked to serve customers on rails that are being rebuilt in real time. Local stacks often under-invest in developer experience, dispute tooling and licence-honest packaging. Stratos is being built as the software that sits on those domestic rails — live as a control panel today, with regulated activities only when authorised.
Today we are a Pakistan fintech, incorporated with SECP, building payment, open-banking and settlement products. The website, staff/merchant portal, Shufti Pro KYC desk and iOS/Android app are live. We do not yet operate a live card scheme, hold customer e-money, or act as a bank — those wait on SBP licences and host-to-host connections with partner banks.
Why partners choose this desk
Raast and 1LINK-oriented architecture for Pakistani buyers, payroll and vendor payouts — designed as software until the correct SBP or partner-bank go-live.
TLS in transit, tokenisation design, RBAC, and AML/KYC programme architecture aligned to SBP and FATF expectations.
SECP-registered, PSEB-licensed IT exporter, preparing SBP authorisations. Regulation is foundation — never an afterthought.
Real engineers and operators who integrate, troubleshoot and ship alongside you. Support: support@stratosfin.pk.
Trust architecture
Public pages state what we hold (SECP CUIN 0345801, PSEB Z-25-21254/26, FBR NTN J458050-3) and what we do not (EMI, PSO, PSP, banking).
TLS, tokenisation posture, RBAC, monitoring and incident-response language aligned to SBP cybersecurity expectations and PCI principles. Compulsory 2FA on the staff and merchant console.
CDD/EDD, sanctions-screening design, STR pathways to the Financial Monitoring Unit, and five-year record-retention planning. Hosted KYC runs through Shufti Pro.
Head office in Defence Chowk, technical / back office at Sheranwala Heights, named executives, published grievance timelines and support@stratosfin.pk.
Company record
Published from this desk only. No invented customer counts.
STRATOS FINTECH (PRIVATE) LIMITED is incorporated with the Securities and Exchange Commission of Pakistan. CUIN 0345801. Equal major shareholding between Founder, CEO & Director Muhammad Umair Chaudhary and founder, director, CTO & lead developer Mughees Ahmad. Registered office: Office No 10, 2nd Floor, Business Arcade Plaza, Defence Chowk, Cantonement, Lahore, Punjab, 54810, Pakistan.
Taxpayer Registration Certificate issued by the Federal Board of Revenue — NTN J458050-3, tax office CTO Lahore. Pakistan Software Export Board IT Export License Z-25-21254/26 frames inbound remittances as documented IT/ITeS services.
Staff, merchant and customer consoles are live as software for the Pakistan desk: onboarding, Shufti Pro hosted document-and-face KYC, PKR payment links, settlements views, disputes, reports and compulsory multi-method 2FA. Live card acquiring and e-money remain subject to SBP authorisation.
Mission
To give Pakistani businesses and institutions a single fintech layer for secure digital payments — local rails when authorised, international corridors through partner banks, and no licence claims we cannot back.
Vision
A Pakistan where money moves at the speed of ambition: connected to the global economy, operated from the cloud, supervised under SBP and SECP rules, and built for everyone who has to reconcile it on Monday morning.
Open a merchant or customer account on this desk, or speak with the team about a partnership. Software access is live. Licensed rails follow authorisation.
Already onboarded? Sign in · support@stratosfin.pk
