CROSS-BORDER PAYMENTS MADE EASY

Pay anyone in Pakistan from anywhere in the world in minutes.

Collect funds abroad, convert when you're ready, and pay employees, vendors, merchants and more in Pakistan, fast, in PKR.

Book a demo See how it works
USD GBP EUR AED SGD AUD
PKR
Existing providers are costly and unreliable — run cross-border payments at scale, on one platform
The problem

Sending money to Pakistan is still slow, costly and manual.

You+1dBankfeeBank+1dPK
3–5 DAYSFEES AT EACH HOP
01
Bank wires are slow and expensive.

A wire can pass through several banks before it lands, and each step adds time.

Person to person✓
Business to consumer✓
Business to businessNot supported
02
Most providers aren't built for business payments.

Existing players focus on person-to-person and business-to-consumer transfers. Few are built for business-to-business flows.

Wire #8812279.4INV-204?Wire #8813rate ?INV-2???Wire #8815278.9—?
03
Reconciling takes manual work every month.

Matching wires, rates and invoices by hand eats your finance team's time.

Who it's for

Payouts into Pakistan, for every kind of business.

Send foreign currency from abroad. Your people and partners in Pakistan receive PKR in their local bank account.

EMPLOYEES · EORS · CONTRACTORS

Pay your team

Process payroll in Pakistan on time, every time.

e.g. A US parent company paying the contractors of its Pakistan subsidiary.

PAYROLL · OCTPKR
AKAyesha Khan412,000
HRHamza Raza365,500
SMSana Malik298,750
BIBilal Iqbal254,000
SOFTWARE HOUSES · BPOS · AGENCIES

Pay your vendors

Settle invoices with the companies you work with in Pakistan, tracked to arrival.

e.g. A UK marketplace settling funds with its shippers and merchants in Pakistan.

INV-2048USD 18,400
SentConvertedArrived
MARKETPLACES · CREATOR PLATFORMS

Pay your sellers and creators

Pay hundreds of sellers, creators and affiliates in one run, straight to their bank accounts.

e.g. A global marketplace paying local sellers every week.

ZA FN UB +240
ONE RUN
PAKISTANI EXPORTERS

Bring your foreign earnings home

Move income you earn abroad into your company's Pakistani bank account, with every transfer recorded.

e.g. A Karachi software house moving revenue from its US company to Pakistan.

FROM
Your company abroad
Foreign currency
NEEM
Convert and record
Rate recorded
TO
Your bank in Pakistan
PKR
e-PRC

Accurate PRCs with the correct purpose code. Every payment is tagged with the right purpose code, so the Proceeds Realization Certificate your recipient receives is accurate for tax and banking.

How it works

Where the money sits, and how it moves.

Your funds are wired to a Neem account in the UAE. You control when they're released and how each employee gets paid.

STEP 01
Wire funds to Neem
From your own current account, wire payroll funds in any foreign currency to Neem's bank account in the UAE.
Regulated partner bank
STEP 02
Request cash-in
Log in to the Neem business dashboard and submit a one-click cash-in request for the funds you just wired.
Quick verification
STEP 03
Funds verified & available
Neem verifies the incoming transfer against your request. The amount shows up as an available balance in your funding currency.
Balance live
THEN CHOOSE HOW YOU DISBURSE
New payoutDisburse
$56,000
Total balance
$47,500
Disbursed
NAMEACCOUNTAMOUNT
Bilal Traders•••482185,000
+38 more
Pay from the dashboard
Upload one file to pay anyone in Pakistan: each recipient's name, bank account details and amount, in your own currency.
Your platform · Seller payoutsPay out
calls Neem's API
POST neem.io/v1/disbursements
{ "recipient": "Bilal Traders", "amount": 1200, "currency": "USD" }
Converted & sentPKR 334,800 to Bilal Traders
Integrate the API with your system or product
Trigger payouts straight from your own platform, ERP or app with Neem's disbursement API. No file uploads, no dashboard visits.
THEN RECONCILE
Every payment recorded and linked
Track every cash-in and payout in the business dashboard. Each transaction carries its FX rate, PKR amount and status, so reconciliation is already done.
app.neem.io / disbursements / ledger
Disbursement Overview
Manage your funds and payouts in one view.
Cash in ↓
Disburse now ↗
Total balance
$3,000.00
Total disbursed
$24,800
Total cashed in
$30,500
Failed
$40
All transactions Bulk disbursements
ACCOUNT
DATE & TIME
AMOUNT (USD)
FX RATE
AMOUNT (PKR)
STATUS
Amitabh · HBL
07 Jun, 12:30 PM
$930
279.57
PKR 260,000
● Successful
Noor · Meezan
07 Jun, 12:31 PM
$36
277.78
PKR 10,000
● Pending
Amitabh · UBL
07 Jun, 12:33 PM
$21
280.95
PKR 5,900
● Successful
What you get

Built for companies, not one-off transfers.

  • One balance, visible in real time
  • Hold funds in multiple currencies and pay out from multiple jurisdictions
  • Bulk payouts via dashboard or API for your system
  • Accurate PRCs with the correct purpose code
  • Automatic reconciliation
  • A full record of every payment
In practice

Here's how it works: a US-based company paying 10 employees in Pakistan.

Same flow whether it's 1 employee or 100.

DISBURSE
See the disbursement flow live
Open demo →
1
FUNDS WIRED
USD 112,000 wired to Neem's account in the UAE.
2
CASH-IN REQUESTED
Payroll admin logs in to the Neem business dashboard and requests cash-in for the funds sent.
3
BALANCE AVAILABLE
Wire verified. USD 112,000 is ready to disburse on the business dashboard.
4
PAYOUT
Bulk disbursement from the dashboard, or via the Neem API integrated with their payroll.
5
10 PAID ✓
Converted in real time — each employee paid in PKR within minutes.
Get started

Live in three simple steps.

From first conversation to your first payout, usually within days.

1

Talk to us

Tell us who you pay in Pakistan and how often. We map the right flow with you.

2

Get onboarded

Complete KYB and sign the agreement to get set up, typically within 8-10 working days.

3

Fund and pay out

Get access to the business dashboard and API to start funding your disbursement ledger and paying anyone in Pakistan.

BOOK A DEMO

Start paying anyone in Pakistan the smarter way.

Book a demo to see the whole flow end to end, and how it fits your payouts to teams, vendors, sellers or your own business in Pakistan.

Book a demo
Live in days, not weeks No setup or subscription fees Regulated bank partner