Our Mission

Building Pakistan's
economic infrastructure

We are building the payment rails, APIs, and fraud tools that Pakistani developers and businesses need to compete on a global scale.

The state of payments
in Pakistan

For years, Pakistani businesses have had to choose between clunky legacy bank gateways that take months to integrate, or international platforms that don't support local mobile wallets and struggle with local fraud vectors.

We started PPay to fix this. We believe that integrating payments should take hours, not months. We believe that a modern gateway must natively support JazzCash, Easypaisa, and Raast alongside Visa and Mastercard. And we believe that world-class developer experience shouldn't be restricted to Silicon Valley.

Our Design Principles
1. Developer First
Clean REST APIs, comprehensive webhooks, and readable documentation.
2. Radical Honesty
No fake stats, no phantom features. We tell you exactly what is live, what is architected, and what is planned.
3. Security by Default
Fraud prevention shouldn't be an afterthought. Sentinel is built directly into our core payment pipeline.
Roadmap

Where we are going

We are currently in active development. Here is exactly what we have shipped and what is coming next.

Live in Sandbox

Core Payment Intents API
State machine for managing payment lifecycle across all rails.
Hosted Checkout & Links
PCI-compliant UI for collecting card and wallet details.
Sentinel: Rules Engine
Deterministic fraud checks operating in <1ms on the critical path.
Invoicing API
PDF generation with GST/WHT line items.

Architected / Up Next

SBP Sandbox Approval
Currently pursuing regulatory approval to process real funds.
Subscriptions Engine
Recurring billing, dunning retries, and prorated plan changes.
Raast Settlements
Automated T+1 payouts directly to merchant bank accounts.
Sentinel: ML Models
Unsupervised anomaly detection (Phase 2) and LLM reasoning (Phase 3).

Get in touch

A developer wanting early access or a potential partner bank, we'd love to hear from you. Investors, please email us directly or use the contact form on Silicate Labs.

Email us Investor contact form