About FinTech sector in Pakistan
The FinTech sector in Pakistan comprises 483 companies, including 74 funded companies having collectively raised $272M in venture capital money and private equity. Out of these, 18 are Series A+ funded.
FinTech sector in Pakistan has seen 8 acquisitions and 1 IPO.
This sector includes companies providing tech-enabled financial services and IT infrastructure and software for offering and managing financial services.
FinTech sector is also known as BFSI Tech.
Companies providing tech solutions to provide financial services like lending, banking, fundraising, insurance, etc are included in this sector. Companies offering traditional financial services like Banks, NBFCs, Insurance Carriers, etc are excluded.
Top FinTech Companies in Pakistan
There are 483 FinTech startups in Pakistan which include JazzCash, Oraan, Finja, NayaPay, Easypaisa. Out of these, 74 startups are funded, with 18 having secured Series A+ funding.
2026 has seen the creation of 15 FinTech startups in Pakistan. Over the past 10 years, an average of 30 new companies have been launched annually. Notably, several of these startups have been founded by alumni of Columbia University, INSEAD and London Business School (LBS).
Here is the list of top FinTech startups in Pakistan
1. JazzCash
Mobile money accounts for online and offline payments. provides a financial solution platform that allows consumers to load money at retail agents. The solution includes domestic remittances, transfers to and from banks, bill payments, mobile top-ups, ATM cards, passport fee payments, online payment gateway, savings, NFC payments, and life insurance.
Key facts about JazzCash
- Founded Year: 2012
- Location: Islamabad (Pakistan)
- Stage: Unfunded
- Tracxn Score: 64/100 What is this?
- Competitors Rank: 1 of 14 Competitors
2. Oraan
App-based group savings platform. It allows users to join or make groups and save money within the group. Users can decide the number of members, payments calendar, saving amount, duration of the circle, due dates to remind members of the payment, keep track, and maintain a history of payments by the group using the app. It is currently available on both Android and iOS platforms.
Key facts about Oraan
- Founded Year: 2018
- Location: Karachi (Pakistan)
- Stage: Series A
- Total Funding till date: $4M
- Investors: Zayn Capital, Wavemaker Partners and 13 Others
- Latest Funding Round: Series A, Jul 27, 2026, $*****
- Tracxn Score: 62/100 What is this?
- Competitors Rank: 1 of 2 Competitors
3. Finja
Provider of digital financial services including lending, payments, and investment. It offers solutions for micro, small, and medium-sized enterprises. These solutions include access to capital for inventory, credit lines, and business-to-business loans. The company also provides payment solutions, collection management tools, and analytics for tracking business metrics.
Key facts about Finja
- Founded Year: 2015
- Location: Lahore (Pakistan)
- Stage: Acquired
- Total Funding till date: $25M
- Investors: Vostok Emerging Finance, HBL and 7 Others
- Latest Funding Round: Conventional Debt, Nov 12, 2022, $*****
- Tracxn Score: 62/100 What is this?
- Competitors Rank: 1 of 7 Competitors
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4. NayaPay
Key facts about NayaPay
- Founded Year: 2015
- Location: Karachi (Pakistan)
- Stage: Seed
- Total Funding till date: $13M
- Investors: Zayn Capital, MSA Novo and 5 Others
- Latest Funding Round: Seed, Feb 24, 2022, $*****
- Tracxn Score: 61/100 What is this?
- Competitors Rank: 2 of 14 Competitors
5. Easypaisa
Wallet-enabled money transfer and bill payment solutions. Provides services either through over-the-counter transactions or through their mobile phones using mobile accounts. Services offered include bill payment, sending or receiving money, purchasing airtime, salary disbursements, giving donations, disbursing social cash transfers, insurance and savings, online payments, and more. Application is made available on Android, iOS, and AppGallery platforms.
Key facts about Easypaisa
- Founded Year: 2009
- Location: Islamabad (Pakistan)
- Stage: Late Stage
- Investors: Alipay
- Latest Funding Round: PE, Nov 10, 2018, $*****
- Tracxn Score: 60/100 What is this?
- Competitors Rank: 3 of 14 Competitors
Companies founded year-on-year in the FinTech sector in Pakistan
15 new startups have been founded so far in 2026 in the FinTech sector in Pakistan. 61 FinTech startups in Pakistan were founded in 2021 - this is the most number of startups founded in any year in the last 10 years.
- Total Number of Companies
Year | No. of companies |
|---|---|
2026 | 15 |
2025 | 2 |
2024 | 14 |
2023 | 34 |
2022 | 48 |
2021 | 61 |
2020 | 44 |
2019 | 33 |
2018 | 26 |
2017 | 28 |
Stage-wise distribution of FinTech sector companies in Pakistan
Out of the total 483 FinTech companies in Pakistan, 74 have secured funding. Among them, 18 have reached Series A or higher, and 10 to Series B or beyond.
Founded - 483
Funded - 74
Series A+ - 18
Series B+ - 10
Series C+ - 10
Company Stage | No. of companies |
|---|---|
Founded | 483 |
Funded | 74 |
Series A+ | 18 |
Series B+ | 10 |
Series C+ | 10 |
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Funding Trends in the FinTech sector in Pakistan
Total funding year-on-year in the FinTech sector in Pakistan
The FinTech sector in Pakistan saw a total funding of more than $261M in the last 10 years. The most amount of funding was in 2022 at more than $82M. There has been a total funding of $4.97M in 2026 till date.
- Total Funding
Year | Total Funding |
|---|---|
2026 | $4.97M |
2025 | $52M |
2024 | $19M |
2023 | $12.5M |
2022 | $82M |
2021 | $75.2M |
2020 | $9.15M |
2019 | $3.38M |
2018 | $1.33M |
2017 | $1.5M |
Recent Funding Rounds in FinTech in Pakistan
In the year 2026, till July 2026, FinTech companies in Pakistan have raised $4.97M in equity funding across 3 rounds.
In the same period last year (i.e. till April 2025), FinTech companies in Pakistan had raised $5M across 1 round.
So, 2026 has seen a 0.6% drop in funding in FinTech companies in Pakistan as compared to 2025.
Here are some recent, important funding rounds in FinTech companies in Pakistan:
Company | Round Raised | Amount Raised | Funding Date | Investors |
|---|---|---|---|---|
Series A | 4983 | Jul 27, 2026 | and 2 more | |
Seed | 9337 | Apr 2026 | ||
Seed | 7791 | Jan 22, 2026 | and 6 more | |
Seed | 9263 | Nov 2025 | ||
Seed | 9182 | Sep 09, 2025 |
Top Investors in FinTech in Pakistan
British International Investment is the top investor in FinTech companies in Pakistan based on number of companies invested.
Here are some top investors in FinTech companies in Pakistan:
Investor | Location | Top Portfolio Companies |
|---|---|---|
London (United Kingdom) | - | |
Abu Dhabi (United Arab Emirates) | ||
New York City (United States) | - | |
London (United Kingdom) | ||
Karachi (Pakistan) |
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M&A activity in FinTech sector in Pakistan
In the year 2026, till March 2026, 1 acquisition happened in FinTech sector in Pakistan. Last year, in 2025, a total of 2 acquisitions happened in FinTech sector in Pakistan.
Here are some recent, important acquisitions in FinTech sector in Pakistan:
Company | Acquisition Type | Acquisition Date | Acquirers |
|---|---|---|---|
Business Acquisition | Mar 06, 2026 | - | |
Business Acquisition | Nov 08, 2025 | ||
Business Acquisition | Jul 09, 2025 | ||
Business Acquisition | Feb 17, 2024 | ||
Business Acquisition | Sep 12, 2023 |
Acquisition trends in FinTech sector in Pakistan
Here are the acquisition trends in FinTech sector in Pakistan:
- Total Number of Acquisitions
Year | No. of companies |
|---|---|
2026 | 1 |
2025 | 2 |
2024 | 1 |
2023 | 2 |
2022 | 2 |
2021 | - |
2020 | - |
2019 | - |
2018 | - |
2017 | - |
IPOs in FinTech in Pakistan
In the year 2007, till March 2007, 1 IPO happened in FinTech sector in Pakistan.
Here are some recent, important IPOs in FinTech sector in Pakistan:
Company | IPO Date | Exchange Symbol |
|---|---|---|
Mar 12, 2007 | Pakistan Stock Exchange (PSX) |
Colleges which produce the most FinTech companies in Pakistan
Companies founded by alumni from top colleges in the FinTech in Pakistan
Most number of FinTech startups in Pakistan have been founded by alumni from Columbia University, INSEAD and London Business School (LBS).
College | No. of companies |
|---|---|
Columbia University | 2 |
INSEAD | 2 |
London Business School (LBS) | 2 |
Massachusetts Institute of Technology | 2 |
University of Oxford | 2 |
King’s College London | 1 |
National University of Singapore (NUS) | 1 |
Technical University of Munich | 1 |
Total funding in FinTech companies founded by alumni from top colleges in Pakistan
In the last 10 years, National University of Singapore (NUS) graduates' FinTech companies in Pakistan have raised the most funding among top colleges. London Business School (LBS) and Massachusetts Institute of Technology alumni are second.
College | Total Funding |
|---|---|
National University of Singapore (NUS) | $20.2M |
London Business School (LBS) | $7.5M |
Massachusetts Institute of Technology | $7.5M |
Columbia University | $4.74M |
University of Oxford | $4.5M |
INSEAD | $500K |
King’s College London | - |
Technical University of Munich | - |
Top News in FinTech in Pakistan
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JazzCash Recognized Among World's Top Fintech Companies by CNBC and StatistaGlobeNewswire•Jul 22, 2026•VEON, JazzCash
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Aamarpay secures nearly $1 million in foreign investment from SimpaisaThe Business Standard•Mar 13, 2026•Simpaisa, aamarPay
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Pakistan's First Shariah-Compliant Green Hotel REIT LaunchedNewswire•May 22, 2025•JS Investments, GOHAR
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easypaisa Audio Nikahnama Campaign Scores Yet Another Global Victory at MADSTARS Korea 2024ProPakistani•Aug 27, 2024•Easypaisa
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Xsolla Boosts Payment Presence in Asia Through New Partnerships, Focusing on Local Gamer MarketsBusiness Wire India•Jul 17, 2024•Xsolla, WeChat, JazzCash, Easypaisa and 3 others
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