Karachi · served from Islamabad
Software development company for Karachi businesses
We build software for Karachi banks, fintechs, traders and logistics firms from our office in Islamabad: systems that reconcile at volume, answer a regulator's questions and keep working when the power does not.
Part of our work across Pakistan: software house in Pakistan
§ 01
The market
Building software for Karachi
Karachi is where Pakistan's money and goods meet. It is the largest city and the commercial capital, home to the headquarters of the State Bank of Pakistan and the Pakistan Stock Exchange and to most bank and insurance head offices. Most of the country's seaborne trade passes through Karachi Port and Port Qasim, and around them has grown an economy of freight forwarders, clearing agents, importers, exporters and warehouses. FMCG and pharmaceutical manufacturers, textile exporters and many of the larger e-commerce operators are based here as well.
Software in Karachi is judged on two things above all: volume and regulation. A payments or lending product can process more transactions in a day than a small business sees in a year, across Raast, 1LINK transfers and the JazzCash and Easypaisa wallets, each settling on its own schedule. Banks, microfinance providers and electronic money institutions answer to the State Bank, including its rules on outsourcing and technology risk, and the vendors who build their systems are expected to show how those rules are met.
We are in Islamabad, and we say so up front because a regulated client's due diligence will establish it anyway. There is no Karachi office and no local team. The work runs remotely in the same timezone, under a Pakistani contract with rupee invoicing, and a visit can be arranged for the meetings that need one, such as a risk review or a go-live. The people you deal with are senior engineers, and the one who scopes the work is the one who runs it.
§ 02
What is specific
What building for Karachi actually requires
Ready for the vendor assessment
When the client is regulated, the vendor becomes part of the client's risk. Expect questions about access to production data, where it is hosted, how changes are approved, how incidents are reported and what happens if the vendor stops trading. We answer them with how the system is actually built: least-privilege access, change logs, separated environments and documentation your risk and audit teams can read. Your compliance team interprets the State Bank's rules; we build to what they require.
Reconciliation that closes every day
Money now moves over several rails at once. A Raast payment, an interbank transfer through 1LINK, a wallet collection and a card payment each settle on different schedules and report in different formats. We build ledgers that record every movement once, match it against each settlement file, handle reversals and duplicate callbacks without double counting, and put the exceptions in front of a person. At Karachi volumes, a gap between ledger and bank grows expensive quickly.
Trade paperwork, heat and outages
Many forwarders, clearing agents and importers still run a shipment through WhatsApp groups, spreadsheets and scanned documents. A shared shipment record holding its documents, charges and clearance status is usually the first thing worth building. Outages on the K-Electric network and summer heat are part of operating in the city, so the apps used in warehouses and yards keep working offline and sync later without losing a scan.
§ 03
Working together
How working with us goes from Karachi
- 01
Remote by default, a visit when it counts
Calls, reviews and shared tooling in the same timezone for the everyday work. For a risk review, a workshop with your operations team or a go-live, we arrange a visit to Karachi.
- 02
Compliance requirements up front
Before design starts we gather your information security, outsourcing and audit requirements and answer your vendor questionnaire, so the architecture is built to meet them from the start.
- 03
Tested at real volume
Load tests at the volumes you expect on your busiest days, such as salary week or the run-up to Eid, and reconciliation tests against realistic settlement files from each payment rail, all before anything goes live.
- 04
Runbooks as well as code
Along with the code and documentation you get runbooks for what actually happens in production: a settlement file that does not match, a provider outage, a failed release at month-end.
§ 04
Services
What we build for Karachi clients
Project delivery, owned end to end. We take on the outcome rather than supplying engineering hours.
Working with Yarqat in Karachi
Do you have an office in Karachi?
No. Yarqat has one office, in E-11/2, Islamabad, and we serve Karachi from there. We share your timezone, contract as a Pakistani company and invoice in rupees, so the everyday work runs on calls and shared tools without friction. For the meetings that genuinely need a room, such as a steering committee or a go-live, a visit is a flight away and can be arranged.
We are regulated by the State Bank. Can you work within its outsourcing and technology risk requirements?
Yes, through design and process. We answer vendor due diligence questionnaires, agree data location and access controls with your compliance team before building, keep change and access logs, and produce the documentation an auditor will ask for. Interpreting the regulation is your compliance function's job. Building a system that meets their requirements, and being able to show it, is ours.
Can you integrate Raast, 1LINK and mobile wallets?
Yes, through your bank's or payment provider's interfaces: Raast merchant payments, 1LINK transfers, JazzCash and Easypaisa collections, and gateways such as PayFast or Safepay. Stripe does not onboard Pakistani merchants, so products built from a Stripe template need rethinking. The harder part is reconciliation, and we build it alongside the integration rather than after the first mismatch.
Our shipments are tracked across WhatsApp groups and spreadsheets. Where would you start?
Usually with one shipment record everyone works from: consignment details, documents, charges, clearance status and who owns the next step. Clearing agents, the warehouse and the accounts team see the same record, and customers get status updates without phoning. Once that exists, automating quotes, invoicing and reporting becomes much simpler, because the data finally lives in one place.
How do you design for power cuts and slow connections?
By assuming they will happen. Field and warehouse apps store work locally and sync when the connection returns, uploads resume instead of starting again, and pages stay light enough to load on a weak mobile signal. Servers run in a cloud region rather than on a machine in your office, so a local outage affects the people in that building, not the whole system.
Have a project in Karachi?
Tell us what you are building or fixing. We work with Karachi clients from our Islamabad office, in the same timezone and the same currency, and the engineer who reads this is the one who would run the delivery.
- 01A senior engineer reads it. Not a form queue, and not an account manager.
- 02We reply either with questions or with a straight answer that we are not the right fit.
- 03If it looks like a fit, a technical call with the person who would actually run the delivery.
- 04Then scope, effort and risk in writing, before anyone signs anything.