> For the complete documentation index, see [llms.txt](https://docs.mysorbet.xyz/sorbet/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mysorbet.xyz/sorbet/help-and-support/pakistan-faq.md). # Sorbet in Pakistan Get paid by clients abroad and withdraw to Pakistan in PKR, as a regular remittance. Whether you run a software house, an agency or a services business, or you work independently, Sorbet lets you get paid by clients anywhere in the world and withdraw to a Pakistani bank account or mobile wallet in rupees, usually within minutes. The money arrives as a **standard home remittance**, so your bank never sees anything crypto-related. {% hint style="success" %} **Trusted by over 8,000 transacting users** for cross-border payments and remittances to Pakistan. {% endhint %} ## What you can do * **Get foreign accounts for your business**: receive USD, EUR, GBP and AED from clients like a local, with account details in your name * **Send invoices** that clients abroad can pay by bank transfer or in USDC, without a Sorbet account * **Deposit stablecoins**, USDC or USDT, into your Sorbet account * **Withdraw to Pakistan in PKR**, to a local bank account or mobile wallet held by an individual * **Pay contractors and suppliers internationally** in 75 countries ## How it works {% stepper %} {% step %} ### Sign up Create your account at [mysorbet.io](https://mysorbet.io/) and choose a business or individual account. It takes a couple of minutes. {% endstep %} {% step %} ### Get verified Businesses verify with their **NTN** and company documents; individuals with their **CNIC** or passport and a live selfie. See [Getting verified in Pakistan](#getting-verified-in-pakistan) below. {% endstep %} {% step %} ### Get paid Share your USD, EUR, GBP or AED account details with your client, [send an invoice](/sorbet/using-sorbet/send-invoices.md), or deposit USDC or USDT. {% endstep %} {% step %} ### Add your Pakistani bank account Go to **Recipients** and add the bank account or mobile wallet you want to withdraw to. {% endstep %} {% step %} ### Withdraw in PKR Send the funds to your account. Rupees usually arrive **in real time**, and always within one business day. {% endstep %} {% endstepper %} {% embed url="" %} ## Exchange rates Our rates are typically **within about 1 PKR of the Google market rate**. The rate you see before you confirm is the rate you get. A small FX spread is already included in that rate, so there's no separate FX charge on top. Check the [live rate on our website](https://mysorbet.io/) any time before you transfer.
Sorbet PKR exchange rate
## How the payment shows up at your bank Your withdrawal is sent by our banking partners as a **regular home remittance** in PKR: * It lands in your account like any other inward remittance from abroad * Your bank won't see any stablecoin or crypto activity * Your bank can issue a **PRC (Proceeds Realisation Certificate)** against the payment, if you're eligible ## Limits and fees | | Details | | ----------------------------------- | ----------------------------------------- | | Payout rail | IBFT, to bank accounts and mobile wallets | | Speed | Real-time | | Fee per payout | $0.75 flat (no % fee) | | Max per payout (business account) | $25,000 | | Max per payout (individual account) | 3,000,000 PKR | | Who can receive | Individuals only | {% hint style="warning" %} **Payouts to Pakistani business bank accounts aren't supported yet.** PKR can only be paid to an account held by an individual, such as a director, employee or contractor. {% endhint %} For account fees and the cost of receiving payments, see [Currencies & Pricing](/sorbet/currencies-and-countries/supported-currencies-and-payment-methods.md). ## Getting verified in Pakistan Pakistan is a **High-tier** country for our banking partners, so every application is reviewed by a person rather than approved automatically. Most are approved. It just takes a little longer: **up to a day** for individuals and **up to a week** for businesses. The good news: you can verify with the documents you already have in Pakistan. Here's what to keep ready. {% tabs %} {% tab title="Individuals & freelancers" %} ### Your ID Verify with your **CNIC** (both sides) or your **Pakistani passport**. Make sure it isn't expired. When asked for your tax ID, enter your **CNIC number** (13 digits, e.g. `35202-1234567-1`), exactly as it's printed on the card. You'll also take a **live selfie** in the app. Take it live, not a photo of a photo. ### Proof of address (if we ask for it) Any one of these, in your name, issued in the **last 90 days** and showing your current home address: * **Bank statement** from any Pakistani bank: HBL, Meezan, UBL, MCB, Bank Alfalah, Allied, Faysal, Standard Chartered and others * **Electricity bill**: LESCO, K-Electric, IESCO, PESCO, MEPCO, FESCO, GEPCO, HESCO or QESCO * **Gas bill**: SNGPL (Sui Northern) or SSGC (Sui Southern) * **Internet or landline bill**: PTCL, Nayatel, StormFiber and others * A **government letter**, or your current **rent agreement** {% hint style="info" %} **Bill in your father's or landlord's name?** Upload it together with your rent agreement, or use a bank statement that shows the same address in your name. **Living abroad on a Pakistani CNIC or passport?** Proof of address is always required. Upload a recent bank statement, utility bill or tenancy contract from the country you live in (for example a DEWA bill or Ejari in the UAE). {% endhint %} ### Source of funds Because Pakistan is High-tier, you'll answer a few short questions: what the account is for, your expected monthly volume, your occupation and where your money comes from. If we need proof, any of these works: * **Salary slips** or an **employment / experience letter** from your employer * **Bank statement** showing your salary or client payments coming in * **Freelance earnings**: Upwork, Fiverr, Payoneer or Toptal statements, or invoices to your clients * Your latest **FBR income tax return**, if you file {% hint style="success" %} **Freelancer with no registered business?** Sign up as an **individual**, not a business. Your CNIC is all you need to start. {% endhint %} {% endtab %} {% tab title="Businesses" %} ### Your business tax ID Use your **NTN** (National Tax Number) from **FBR**. Download your NTN registration certificate from **FBR IRIS** and keep it ready. ### Registration documents Upload the documents that match how your business is registered: | If you are a… | Upload | | ------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Private Limited / SMC-Pvt** (SECP) | SECP **Certificate of Incorporation**, **Memorandum & Articles of Association**, latest **Form A** (shareholders) and **Form 29** (directors) | | **Public Limited** (SECP) | SECP Certificate of Incorporation, Memorandum & Articles of Association, latest Form A and Form 29 | | **LLP** (SECP) | SECP **Certificate of Registration of LLP** and your **LLP agreement** | | **Partnership / AOP** | **Registrar of Firms** registration certificate and your registered **partnership deed** | | **Sole proprietor** | **FBR NTN certificate** showing your business name, plus any one of: Chamber of Commerce membership certificate, **PSEB** registration, or trade / municipal licence | {% hint style="warning" %} **Directors aren't the same as owners.** We need a document that shows **who owns the business and their percentage** (for example Form A or your shareholder register), covering 100% of ownership. A list of directors alone isn't enough. {% endhint %} ### Owners and directors Every person who owns **25% or more**, and every director or authorised signatory, completes a quick verification with their **CNIC or passport** and a live selfie, the same as an individual. ### Proof of business address Issued in the **last 90 days**, showing the address you operate from: * **Utility bill** for your office: LESCO, K-Electric, IESCO, PESCO, MEPCO, SNGPL, SSGC, PTCL and others * **Business bank statement** from any Pakistani bank * A letter from **FBR** or **SECP**, or your current **office rent agreement** Renting your office and the bill is in your landlord's name? Upload the bill **together with** your rent agreement. Virtual offices and PO boxes aren't accepted. ### Source of funds and what you do * **Source of funds:** business bank statements showing client payments, audited or management accounts, your FBR tax return, or investment / shareholder agreements if you're funded * **Proof of business activity:** invoices to clients, signed contracts or SOWs, your **PSEB** certificate, Upwork or Fiverr agency statements, or bills of lading if you export goods You'll also write three short answers (**200 to 1,000 characters each**): what your business does, where your funds come from, and what you'll use Sorbet for. Be specific: name your type of clients, the countries they're in and your typical invoice size. {% hint style="info" %} Because Pakistan is High-tier, we may also ask for a **list of directors**, an **ownership chart** and your **financial statements**. Having them ready speeds up your review. {% endhint %} {% endtab %} {% endtabs %} ### Tips to get approved first time * Upload clear photos or PDFs: whole document in frame, no glare, both sides of your CNIC * Type your name and CNIC number exactly as printed on the card * Use SECP or FBR downloads (or certified true copies), not a photocopy of a photocopy * Keep your expected monthly volume realistic and in line with your bank statements Full document lists are on [Verify your identity](/sorbet/getting-started/verification.md). ## For companies paying a team in Pakistan Paying contractors, suppliers or a remote team in Pakistan or India? Sorbet lets your business: * Hold and move funds in USD, EUR, GBP, AED and stablecoins * Pay out directly to local bank accounts in PKR, INR and the local currency of 75 countries * Cut FX costs and settlement times [**Book a demo call**](https://cal.com/ayammaher/sorbet-demo) to see how Sorbet can run your payouts. ## Frequently asked questions
Is Sorbet safe and regulated? Sorbet is a financial technology company, not a bank, and doesn't hold your money. Your accounts, payments and conversions are provided by regulated partners that hold: * **Money transmitter licences** in 32 US states and the District of Columbia * **Electronic money institution** and **crypto-asset service provider** authorisations from Luxembourg's financial regulator (CSSF), for the EU * **Money Services Business** registration with **FINTRAC** in Canada Every account is verified before it can move money, and over 8,000 people already use Sorbet for cross-border payments and remittances. See [Who We Are & Our Partners](/sorbet/legal/who-are-we.md) for more.
Do I need to understand crypto to use Sorbet? No. Your clients pay you by normal bank transfer, and you withdraw rupees to your bank. Stablecoins move the money in the background, but you never have to touch them.
How long does a withdrawal take? Usually a few minutes. In rare cases, such as a bank compliance check, it can take up to one business day.
Can my business withdraw to our company bank account? Not yet. PKR payouts can only go to an account held by an individual. To pay a director, employee or contractor, add them as a recipient and send them a payout.
Do you have a mobile app? Our iOS and Android apps are both in **closed beta** and coming soon. Follow our social pages for the launch announcement. For now, you can use everything in Sorbet from your browser at [mysorbet.io](https://mysorbet.io/).
*** Questions? Email , or for verification.