Who we build for

Solutions by industry and operating model

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 deskstratosfin.pkLicence-honest packaging

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Jump to an industry on this desk

Match your need

Which solution path fits?

Use this map when you are not sure which brief to open. Every path still starts with product classification — software, bank-partnered, or regulated application.

Need

Document IT/ITeS remittances into PKR

Best fit

IT exporters

Path

AD-bank collection design + export reporting

Need

Accept local payments and pay out fast

Best fit

E-commerce · Platforms · Enterprises

Path

Raast/1LINK-oriented local rails after authorisation

Need

API / open-banking style products

Best fit

Banks & institutions

Path

Sandbox-first orchestration + SBP classification

Need

Multi-seller payouts and risk controls

Best fit

Platforms & marketplaces

Path

KYC + velocity + fee ledger control panel

Need	Best fit	Path
Document IT/ITeS remittances into PKR	IT exporters	AD-bank collection design + export reporting
Accept local payments and pay out fast	E-commerce · Platforms · Enterprises	Raast/1LINK-oriented local rails after authorisation
API / open-banking style products	Banks & institutions	Sandbox-first orchestration + SBP classification
Multi-seller payouts and risk controls	Platforms & marketplaces	KYC + velocity + fee ledger control panel

Industry briefs

Deep dives

Showing 5 of 5

IT exporters & software houses

PSEB-registered firms, SaaS studios and agencies in Pakistan

Pakistan

Pakistani IT exporters who need institutional-grade collection software.

The problem

Collecting client invoices and reconciling PKR settlement while documenting IT/ITeS export flows is operationally heavy. Finance teams juggle invoices, bank screenshots and incomplete status — and still cannot answer a simple question from their Authorised Dealer bank.

Stratos approach

Invoice-to-settlement software and PKR status views designed for Pakistani IT exporters. Architecture assumes bank-partnered FX through SBP Authorised Dealers and a PSEB-aligned export narrative — going live only with authorised partners.

Outcomes

Clearer collection paths for documented IT/ITeS remittances
Status language finance teams and Authorised Dealer banks can both read
An export documentation trail that matches Pakistani IT/ITeS reality
Fewer manual reconciliations between sales, finance and founders

Deliverables

PKR payment-link and invoice collection workflows (sandbox → licensed live)
Settlement status matrix for domestic and AD-bank corridors
Webhook events for paid, held and settled states
Export-friendly reporting packs for auditors and Pakistani banks

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

E-commerce & digital merchants

D2C brands, marketplaces and subscription businesses selling in Pakistan

Pakistan

Online sellers who need domestic Pakistani acceptance and payout design.

The problem

Fragmented gateways, high decline rates, weak dispute tooling and slow payouts damage conversion. Local customers increasingly expect Raast and QR-class instant options.

Stratos approach

Unified checkout intent, a refund/dispute console, and Raast/1LINK-oriented local payout pathways after licensing. Product packaging separates the software that exists today from what requires SBP or partner-bank go-live.

Outcomes

One integration surface instead of several gateway dashboards
Faster dispute and refund operational loops
Local-rail design for Pakistani buyers
Founder visibility into velocity and risk signals

Deliverables

Hosted PKR payment-link flows for product and invoice sales
Refund and dispute case workflow
Plugin roadmap: WooCommerce, Shopify, Magento
Merchant dashboard that is already usable in sandbox

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

Banks & financial institutions

Digital product teams, innovation labs and partner banks in Pakistan

Pakistan

Pakistani institutions evaluating a technology partner for open banking or payment orchestration.

The problem

Legacy cores slow down open-banking style APIs and payment-initiation experiments. Innovation teams need a technology counterpart that understands SBP language, security posture and phased authorisation.

Stratos approach

API-first integration layers, webhook automation and sandbox-first patterns that respect SBP guidelines once authorised. Conversations start with classification: software layer, bank-sponsored model, or regulated application track.

Outcomes

Faster prototype cycles without violating licence boundaries
Clear separation of bank versus technology responsibilities
Documentation that Pakistani risk and compliance committees can review
A path from pilot architecture to commercial operations

Deliverables

Architecture workshops and domestic corridor maps
Sandbox API surface and sample payloads
Security and AML programme outline
Joint go-live checklist for phased SBP models

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

Platforms & marketplaces

Multi-sided platforms, gig marketplaces and SaaS with Pakistani payouts

Pakistan

Pakistani marketplaces that need multi-party money-movement design with governance built in.

The problem

Split settlements, sub-merchant onboarding and velocity risk need a control panel, not a spreadsheet. Platforms that “just wire a gateway” discover AML, KYC and payout friction the first time a bad actor scales.

Stratos approach

Sub-merchant KYC pipelines (Shufti Pro hosted journeys), velocity guards, fee splits and suspend-processing controls — designed as founder capabilities now and regulated go-live only when authorised.

Outcomes

Per-seller onboarding and risk tiers
Fee and split logic that finance can audit
Kill-switches for suspicious velocity
Clearer ownership of disputes between platform and sub-merchant

Deliverables

Sub-merchant onboarding plus Shufti Pro KYC hooks
Platform fee ledger model
Admin suspend and release processing controls
Payout batch status APIs for Pakistani rails

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

Enterprises & payroll ops

HR, finance, treasury and shared-services teams in Pakistan

Pakistan

Pakistani enterprises modernising payroll, vendor payouts or refunds at scale.

The problem

Bulk disbursements and vendor payouts still fail silently across batch files. When a file partially succeeds, nobody knows which line items need a retry — until employees or vendors complain.

Stratos approach

Host-to-host integration patterns, bulk payout status APIs and reconciliation exports aligned to Raast bulk design. Emphasis on operational visibility first; live money movement only through licensed rails or partner banks.

Outcomes

Line-item status instead of file-level opacity
Fewer manual Excel reconciliations
Design compatibility with Raast bulk use cases
Audit trails finance and internal audit can sample

Deliverables

Bulk payout job model and status webhooks
Reconciliation export formats
Failure reason codes for operations teams
Optional ERP connector roadmap

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

Engagement model

How we work with you

The same four-step sequence applies whether you are an institution or a growing merchant. Only the corridor and licence path change.

Discover & classify

Map your use case to pure software, bank-partnered processing, or licensed payment activity. We refuse to sell fantasy licences.

Design the corridor

Document currencies, settlement windows and dispute ownership for the corridor this desk actually serves.

Integrate in sandbox

API keys, webhooks, payment-link prototypes and dashboard walkthroughs before any production traffic.

Operate with controls

KYC, velocity limits, refunds, chargeback monitoring and founder kill-switches when live rails are authorised.

Licence-honest

We never market live acquiring or e-money before authorisation. That protects your brand as much as ours.

Named operators

Executives are published — counterparties know who answers on this desk.

Working product

Merchant portal, Shufti Pro KYC and payment links are live as software. Licensed rails follow authorisation.

Not sure which path fits?

Tell us your merchant type, currencies and volumes. We will map a licence-honest path — software only, bank-partnered, or regulated application track.

Book a discovery call See regulatory path