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CybersecurityKarachi

NovaPay

Instant, AI-secured payments for Pakistani merchants.

About

Instant, AI-secured payments for Pakistani merchants.

NovaPay is a merchant payments platform that lets any Pakistani business accept digital payments with instant settlement and automated reconciliation. Our AI fraud engine is tuned for local transaction
CybersecurityFintechPeer to Peer (P2P)
Problem

Small merchants in Pakistan lose sales because digital payment acceptance is slow, expensive, and hard to reconcile.

Solution

NovaPay gives merchants a single tap-to-pay app with instant settlement, automated reconciliation, and local-currency payouts — no hardware required.

Market opportunity

TAM, SAM & SOM

Market sizing for this category, as reported by the founding team.

TAM01
$4.5B

Total addressable market

The complete market demand for this category if the startup reached every potential customer.

SAM02
$600.0M

Serviceable available market

The portion of the total market aligned with the startup's geography, product and operating model.

SOM03
$45.0M

Serviceable obtainable market

The realistic near-term opportunity the startup can capture with its current capabilities and strategy.

Figures are reported by the founding team and have not been independently verified.

Awards & recognition
  1. 2025

    Winner — P@SHA ICT Awards (Fintech)

    Recognised for innovation in merchant payments.

Business profile
What makes your startup different?
Instant settlement and AI-based fraud scoring built specifically for low-value, high-volume Pakistani merchant transactions.
Key product features
Tap-to-pay, instant settlement, AI fraud scoring, automated reconciliation, multi-wallet payouts.
Product maturity
Live product
Primary customers
Consumers
Sales / GTM channels
Direct sales
Operating markets
Pakistan
Demo video URL
youtu.be/dQw4w9WgXcQ
App Store URL
apps.apple.com/app/novapay
Google Play URL
play.google.com/store/apps/details?id=pk.novapay
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