Accept payments in Pakistan from anywhere

Like many developing markets, the fifth most populous country globally is lagging in digital infrastructure adoption. However, the rising popularity of digital and alternative payment methods showcases Pakistan's burgeoning digital and mobile sectors.

Pakistan has expanded its mobile infrastructure in the past decade. Currently, 80% of the adult population lives in areas with a mobile network, compared to only 15% in 2010. The State Bank of Pakistan (SBP) announced its expectation that a move to electronic transactions will boost Pakistan's GDP by 7% and create four million jobs. Projections show digital commerce will be worth USD$16.99 billion by 2027.

What stops companies from expansion into Pakistan?

The most common issues encountered are repatriation of funds, and the country’s lack of access to the traditional methods used for online purchases, such as credit cards.

FX is a costly barrier for international transactions

In 2023, Pakistan removed restrictions it imposed the previous year on import and capital control, implemented initially to curb foreign reserve outflows. This attempt had the unattended consequences of diverting remittance inflows from formal channels, further contributing to foreign currency shortages in the country. The shortage has caused less price transparency for consumers transacting online, as they can incur a premium of 10-15% when making international purchases with USD.

Credit cards in Pakistan

International credit cards have a very low penetration of 0.26% – a contributing factor of this low rate is the extensive verification needed for in-person card applications. If one does have a credit card, there is still the above mark-up, with transaction approvals taking between 30 minutes and one hour.

A global payment experience without the obstacles

Tailored to Pakistan's socio-economic landscape, dLocal’s Payins offer customers instant, familiar payment methods like bank transfers and eWallets when they checkout. Accept PKR payments and bypass challenges related to currency fluctuations, while dLocal handles acquiring the currency of your choice, with dynamic FX.

A local checkout solution is ideal for global companies across verticals with operations or plans to expand in Pakistan. Including:

• Online retail
• SaaS
• Streaming services
• Platforms and marketplaces
• Travel and tourism

dLocal makes the process and expansion into Pakistan easier by providing localized payment options in PKR, assistance with compliance, and simplifying the process of cross-border repatriation and conversion into the currency of your choice.