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Success!
Pakistan's First Escrow Platform

Trust is
the Transaction.

Pactum holds your payment securely until both sides of a deal are satisfied. No more scams. No more broken promises. Built for Buyers.

Join the Waitlist See How It Works
SBP Regulatory Framework
Segregated Trust Accounts
Bank-Grade Security
PKR 45,000 secured
Escrow Transaction #4821
In Progress
PKR 85,000
Held securely by Pactum
👤
Buyer
Ahmed, Lahore
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🏪
Seller
Sara's Boutique
Delivery progress In Transit
Dispute resolved · 24h
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Digital transactions in Pakistan FY2025
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Of retail payments are now digital in Pakistan
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Pakistani freelancers needing payment protection
0
Dedicated escrow platforms in Pakistan — before Pactum
The Problem

Pakistan's Commerce Has a Trust Gap.

Online commerce is growing faster than ever — but so is fraud. Buyers lose money to scams. Sellers deliver without guaranteed payment. There's no neutral party protecting either side.

😱
Social Commerce Fraud
Thousands of buyers on Instagram and Facebook send money to sellers who disappear. No protection, no recourse, no refund. Daily losses in the crores.
💼
Freelancers Left Unpaid
Pakistani developers and designers complete months of work for local clients — then get ghosted. No milestone protection, no held funds, no fair resolution.
🏠
No Pakistani Airbnb. No Pakistani Fiverr.
Rental and service marketplaces can't exist at scale without escrow. That's why they haven't been built. Pactum changes the equation entirely.
The Solution

Pactum is your trusted financial referee

Instead of sending money directly to a stranger, you deposit it with Pactum. Funds sit safely — inaccessible to either party — until agreed conditions are met. Then payment releases instantly.

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Funds locked until delivery is confirmed by the buyer
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Fair dispute resolution — evidence-based, 48-hour decisions
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Milestone payments for projects, services, and contracts
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Real-time tracking — both parties always know where funds are
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Fully segregated trust accounts — your money stays yours

"No matter how fast Pakistani e-commerce grows, it will always be limited by the amount of trust in the system. Pactum is the trust."

— Muhammad Ayan Khan, Founder
How It Works

Simple. Transparent. Secure.

Every Pactum transaction follows a clear, 5-step process. Both sides always know exactly where their money is.

01
Agree on Terms
Buyer and seller agree on price, delivery conditions, and timeline via the Pactum platform.
02
Buyer Deposits Funds
Payment goes to Pactum's secure escrow — inaccessible to either party until conditions are met.
03
Seller Delivers
With payment secured, the seller delivers the product or service with full confidence of receiving payment.
04
Buyer Confirms
Buyer confirms delivery is satisfactory. Pactum instantly releases payment to the seller.
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Dispute? We Mediate.
If something goes wrong, both parties submit evidence. Pactum reviews and makes a fair, binding decision.

Pactum vs. The Alternatives

Feature ✦ Pactum Bank Transfer Cash JazzCash / EasyPaisa
Funds held until delivery ✓ ✗ ✗ ✗
Buyer fraud protection ✓ ✗ ✗ ✗
Seller guaranteed payment ✓ ✗ ✗ ✗
Dispute resolution ✓ ✗ ✗ ✗
Milestone payments ✓ ✗ ✗ ✗
Real-time tracking ✓ ~ ✗ ~
Core Features

Everything Trust Requires.

Secure Escrow Vault
Funds held in fully segregated trust accounts at SBP-licensed banks — inaccessible until all agreed conditions are met.
Buyer Protection
Never lose money to a scam again. Your payment is safe with Pactum until you confirm you've received exactly what was promised.
Seller Assurance
Know the buyer's payment is secured before you ship a single item or write a single line of code. Zero payment uncertainty.
Dispute Resolution
Disagreement? Both parties submit evidence. Our trained mediators review the case and deliver a fair decision within 48 hours.
Real-Time Tracking
Every transaction stage visible in real time — deposit confirmation, delivery updates, and fund release. Full transparency always.
Developer API
Building a marketplace? Integrate Pactum's escrow engine via API. Power the next generation of Pakistani digital platforms.
Who We Serve

Built for Every Corner of Pakistan.

Wherever trust is needed in a transaction, Pactum belongs — across industries, deal sizes, and use cases.

Social Commerce
Instagram & Facebook sellers — buyer and seller protected from fraud
Freelance & Digital Services
Developers, designers, writers — milestone payments, full protection
Rentals & Property
Security deposits, advance rent — held safely until handover
High-Value Purchases
Cars, electronics, luxury goods — too expensive to risk
Online Marketplaces
C2C transactions — OLX, WhatsApp commerce, classified ads
Service Agreements
Construction, events, agencies — pay on milestone completion

"I sent PKR 40,000 to a seller on Facebook. He blocked me after I paid. Pactum would have held that money until I received my order. That's what Pakistan needs."

— A common story, repeated daily across Pakistan

The Marketplace Effect

Pactum doesn't just protect transactions — it enables entirely new markets that couldn't exist without a trust layer.

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Pakistan's Airbnb — impossible without escrow for deposits
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Pakistan's Fiverr — needs milestone payment protection
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Pakistan's TaskRabbit — requires service delivery verification
→
All of them can be powered by Pactum's API
Pactum: The Trust Infrastructure Pakistan Was Missing
Our Journey

Built for the Long Game.

We're building Pakistan's financial trust infrastructure one phase at a time — regulated, transparent, and relentless.

Phase 01
2025 — Q1 2026
Foundation & Validation
SECP company registration
SBP Sandbox application
MVP development
First 100 beta users
Accelerator partnerships
Active Now
Phase 02
Q2 – Q4 2026
Sandbox Launch
Live under SBP sandbox
1,000 active users
PKR 10M+ in volume
KYC & AML systems live
Pre-seed fundraise
Phase 03
2027
Full EMI License
SBP EMI license granted
Series A fundraise
50,000+ users
B2B API launch
Marketplace partnerships
Phase 04
2028 — Beyond
Pakistan's Trust Layer
200,000+ monthly users
Power 10+ marketplaces
PKR 9B+ annual volume
Regional expansion
Pakistan's PayPal moment
Regulatory Foundation

SBP's June 2023 EMI Regulations explicitly authorize escrow services for domestic e-commerce. We're not navigating around regulation — we're building because of it.

Compliance First

KYC via NADRA Verisys. AML/CFT monitoring. Segregated trust accounts. Data hosted in Pakistan. PCI-DSS compliant. We build this right — because trust is the product.

The Founder

Meet the Mind Behind Pactum.

Muhammad Ayan Khan
Founder & CEO · Pactum Escrow

Based in Abbottabad, Pakistan — Ayan is a builder, creator, and entrepreneur whose diverse background gives Pactum its unique edge. From managing Airbnb properties in Islamabad to serving as a Security Officer in Qatar, he has lived the exact trust problems that Pactum solves.

15K+
Instagram
2
Startups
1
Published Book
Portfolio → LinkedIn Full Story

"I've managed Airbnb properties, freelanced globally, and seen firsthand how lack of payment protection breaks deals and destroys trust. Pactum exists because I've lived the problem."

— Muhammad Ayan Khan
Former Security Officer — Doha, Qatar
Golden Eagle Security · International discipline & operations
Airbnb Host & Co-Host — Islamabad
Managing short-term rentals · The exact market Pactum enables
Published Author — "Hope That Never Ends"
Available on Amazon globally · Debut motivational book
Photographer & Content Creator
15K+ Instagram following · Portraits, landscapes, street
Serial Entrepreneur
Pactum Escrow & Kor Da · Building Pakistan's digital future
FAQ

Questions Answered.

Everything you need to know about how Pactum protects your transactions.

More About Us
Escrow is a financial arrangement where a neutral third party holds funds on behalf of two parties in a transaction. Pactum acts as that neutral party — holding your payment securely until the agreed terms are met, then releasing it to the seller. Neither side can access the funds until conditions are fulfilled.
Yes. SBP's revised EMI Regulations (June 2023) explicitly authorize "Escrow Services for domestic e-commerce transactions" as a permitted service category. Pactum is being built in full compliance with SBP and SECP regulations, with our Regulatory Sandbox application underway.
Both parties can raise a dispute through the Pactum platform. Each side submits evidence — photos, messages, delivery proofs. Our trained mediators review the case and deliver a fair, binding decision within 48 hours. Funds are released accordingly.
Pactum charges approximately 1–2.5% per transaction, only when a deal completes successfully. During our beta period, early users get free transactions. Business plans for high-volume sellers and marketplace integrators will also be available.
Your funds are held in fully segregated trust accounts at SBP-licensed banks within Pakistan — completely separate from Pactum's operating funds. This is a core regulatory requirement. Your money cannot be used by Pactum for any purpose other than the escrow transaction.
We're in the pre-launch phase, building our MVP and preparing our SBP Regulatory Sandbox application. Join our waitlist to be among the first users and help shape the product. We expect our limited beta to begin in 2026.
Early Access

Be the First to Trust Pactum.

Join our waitlist and help us build Pakistan's most trusted payment platform. Early users get priority access, lower fees, and a seat at the table shaping the product.

No spam. No fees. Just early access. We respect your privacy.

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