Neem
- Company typePrivate
- Founded2022
- HeadquartersKarachi, Pakistan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Neem firmographics
Firmographics- Name
- Neem
- Legal name
- Neem Exponential Financial Services (Private) Limited
- Website
- https://neem.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Neem industry classification
Industry- Product category
- Embedded Finance / Payment Infrastructure
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Corporate Cash Management & Treasury Services (FSAMAOAA)
- akta.pro secondary industry
- Corporate Cash Management & Treasury ACH (FSAMAGAG)
Keywords
Where Neem is headquartered
LocationHeadquarters
- HQ city
- Karachi
- HQ country
- Pakistan
- HQ region
- Asia
Offices1 record
Markets served
Neem business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing/Transaction Fees: Revenue from transaction fees on collections and disbursements processed through the platform for enterprise and platform customers.
- BaaS Platform Licensing: Banking-as-a-Service platform fees for embedding wallets, payments, and financial products into partner platforms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise & Platforms |
| Transaction based/ take rate | Pay-as-you-go | Growing Businesses |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Neem product offering
Product offeringCore offering
Neem is a Banking-as-a-Service (BaaS) and embedded finance platform enabling platforms and enterprises in Pakistan to accept, send, and manage money through collections, disbursements, branded wallets, and multi-party ledger systems. The platform is delivered via single API integration, supporting payment methods including cards, mobile wallets, Raast, 1Bill, QR, payment links, and subscription billing.
Product overview
Neem is a Pakistani embedded finance platform operating as a fully licensed NBFC (SECP) that provides a full-stack financial infrastructure platform for businesses in Pakistan. Its core product is the Payments platform, which combines collections, disbursements, branded wallets, and a multi-party ledger system through a single API-based integration. This core platform is supplemented by several specialized sub-products: Neem Paymenow (a Shariah-compliant earned wage access solution), the Payment Button (embeddable checkout), a Shopify Plugin (no-code e-commerce payments), Payment Links and QR Payments (flexible collection tools), a Payout Engine (single and bulk disbursements), a Payment Gateway (multi-method collections), AutoPay (subscription billing), and an Embedded Lending Platform (NBFC-licensed MSME and consumer lending). The platform serves sectors including logistics, insurance, healthcare, e-commerce, agriculture, and retail, enabling B2B businesses to embed financial products into their ecosystems.
Differentiator
Problem solved
Functional benefit
Brands
- Neem Paymenow: Shariah-compliant earned wage access solution allowing employees to access up to 50% of their salary before payday.
- Payment Button
- Ledger System
Products and services
- Payments Platform Core embedded finance platform enabling platforms and enterprises in Pakistan to move money across their ecosystem at scale. Covers collections, disbursements, branded wallets, and ledger systems through a single API-based integration, supporting cards, mobile wallets, QR codes, payment links, and bank transfers.
- Neem Paymenow Shariah-compliant earned wage access solution allowing salaried employees in Pakistan to access up to 50% of their earned wages before payday, addressing financial stress. Integrated with financial education modules and linked to embedded insurance products.
- Payment Button Embeddable checkout solution enabling businesses to accept digital payments on any website or app with minimal code. Supports multiple payment methods including cards, bank transfers, wallets, and Raast, and can be integrated in days without disrupting core systems.
- Shopify Plugin No-code Shopify plugin enabling e-commerce businesses in Pakistan to accept online payments natively within their Shopify store. Supports cards, bank transfers, digital wallets, and Raast QR, with faster settlements and reduced cash-on-delivery dependency.
- Payment Link Secure payment links shared via WhatsApp, email, or SMS enabling businesses to collect payments without a website or app. Supports instant bank-to-bank payments via Raast QR and requires no technical dependency or POS hardware.
- QR Payments QR code-based payment collection for both in-person and online transactions. Customers scan and pay instantly with funds recorded immediately, suitable for physical businesses, field teams, and events.
- Payout Engine Disbursement engine supporting both single and bulk payouts for platforms and enterprises. Handles single one-to-one real-time transfers as well as bulk one-to-many simultaneous settlements across thousands of recipients, with configurable approval workflows, real-time tracking, and automated reconciliation.
- Ledger System Multi-party ledger system managing balances, automating settlement, and reconciling transactions across partner ecosystems. Each participant (merchant, driver, agent) has their own ledger with branded apps, enabling platforms to control fund allocation and release rules.
- Payment Gateway Unified payment gateway covering every collection method including cards (debit/credit, domestic/international), mobile wallets, Raast, 1Bill for recurring/utility payments, and AutoPay for subscription billing, all through a single integration tracked in one dashboard.
- AutoPay Subscription billing capability allowing platforms that charge customers on a recurring basis (weekly, monthly, or custom cycles) to automate the entire collection process. Payments run on schedule with complete records maintained automatically.
- Embedded Lending Platform NBFC-licensed lending platform enabling embedded lending products for MSME sectors, airtime lending, and smartphone financing. Developed with partner Kuunda Holdings for credit profiling, loan management, and tailored growth financing for retailers and micro-merchants.
Quantifiable outcome
- 30%+ month-on-month transaction volume growth since January 2025 launch
- +3 more outcomes
Companies that use Neem
Customer profileNamed customers11 records
Segments7 records
Ideal customer profiles3 records
Neem technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature8 records
Neem partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core.
- Meezan BankcoreNeem and Meezan Bank partnered for payment gateway integration, SoftPOS enablement, direct debit functionality, and embedded financial services. Integration enables Neem to accept and process card transactions across Visa and Mastercard networks.
- Bank of PunjabcoreNeem partnered with Bank of Punjab to power embedded payments in Pakistan, enabling seamless collections, disbursements, and earned wage access.
- MastercardcoreNeem and Mastercard launched Pakistan's first-ever embedded finance partnership to enable financial wellness for underserved communities.
- AirvantagecoreAirvantage is DNI Group's portfolio company providing globally proven expertise in airtime lending. Neem collaborated with Airvantage for embedded financial technology enabling airtime lending solutions.
- UfonecoreNeem, Airvantage, and Ufone partnered to launch UAdvance - an airtime lending product where Ufone customers can access advance credit when balance falls below threshold.
- Kuunda HoldingscoreJoint venture partnership with Kuunda Holdings (second-largest liquidity solutions provider and credit analytics company in Africa) to provide tailored growth financing products for retailers, micro-merchants and agents.
- EFU LifecoreEFU Life partnership to digitize insurance payments and build wallet-powered ecosystem for seamless, secure customer experiences. Integration with Neem Paymenow planned for embedded insurance products.
- Leopards Courier ServicescoreLaunch of Leopards Wallet enabling real-time settlements and merchant earnings management across Leopards' nationwide network.
- LAAMcoreLAAM uses Neem's Wallet System for seller payouts, Payment Button for buyer collections, and instant refunds through unified embedded financial infrastructure.
- DigiKhatacoreDigiKhata partnership brings Neem's branded wallet and ledger solution enabling instant, secure, scalable disbursements for millions of retailers and merchants.
- Adamjee LifecoreAdamjee Life partnership for compliant premium collections across bank accounts and JazzCash with built-in CNIC verification.
- Dakia CouriercoreDakia Courier uses Neem's ledger infrastructure for merchant settlements, replacing traditional bank rails with multi-party ledger system.
- BrandworthcoreBrandworth uses Neem's financial infrastructure for fleet settlements and driver earnings disbursements with white-labelled payments app.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Neem competitors and assessment
Company assessmentDirect peers
- Safexpay: Karachi-based payment infrastructure and orchestration platform for Pakistani businesses, competing directly with Neem in payment gateway, collections, and disbursements for digital platforms and SMEs.
- NayaPay: Pakistan-licensed fintech offering accounts, cards, payments, and business banking via app — overlapping with Neem's wallet, payment and disbursement functionality, especially for SMEs and consumer-facing accounts.
- SadaPay: Leading Pakistani consumer fintech with accounts, cards, and payments; competes with Neem for the same Pakistan-based platform and merchant payment volume, though more consumer-direct.
- PayFast: Pakistan-based payment gateway already partnered with Neem; directly comparable as an online payment gateway serving digital platforms with cards, wallets, and bank-transfer acceptance.
- Avanza Solutions: Karachi-headquartered payment processor in Pakistan providing payment gateway, merchant acquiring, and switching services — overlapping with Neem on enterprise and platform merchant payments.
- Finja: Pakistan-based digital lending and payments fintech offering lending and merchant payments; comparable to Neem on embedded lending (NBFC/Fintech) plus consumer payment product overlap.
- Paymenow: South Africa-originated Earned Wage Access provider and DNI Group portfolio company — the closest functional peer to Neem Paymenow, sharing product, distribution (DNI), and Shariah/fintech positioning.
Emerging players
- Stitch (South Africa): South African financial data connectivity and payments API provider for businesses — comparable emerging-market BaaS/open-banking play focused on account-to-account payments and data.
Others
- 1LINK: Pakistan's leading payment switch and interbank infrastructure provider, already a Neem partner; comparable as enabling infrastructure for Neem's disbursement rails rather than a direct competitor.
Broad incumbents
- Stripe: Global payments infrastructure incumbent with a developer-first API model, and a strategic angel in Neem's Pre-Series A; competes broadly with Neem's API-first payments and embedded finance thesis once it expands into emerging markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Neem social profiles
Digital presenceNeem compliance and trust
Trust signalCompliance3 records
Neem financial estimates
Financial estimateRevenue estimate
Valuation estimate
Neem leadership team
Management profileNumber of profiles
Profiles8 records
Neem funding detail
Funding detailFunding overview
Funding rounds4 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Neem M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Neem
What does Neem do?
Neem is a Banking-as-a-Service (BaaS) and embedded finance platform enabling platforms and enterprises in Pakistan to accept, send, and manage money through collections, disbursements, branded wallets, and multi-party ledger systems. The platform is delivered via single API integration, supporting payment methods including cards, mobile wallets, Raast, 1Bill, QR, payment links, and subscription billing.
Is Neem a public or private company?
Neem is a private company. It is classified as venture growth investor backed and is currently operating.
When was Neem founded?
Neem was founded in 2022. It employs 11 to 50 people.
Where is Neem based?
Neem is headquartered in Karachi, Pakistan, in the Asia region.
How does Neem make money?
Two revenue lines are on record. Payment Processing/Transaction Fees are the primary driver. The others are baaS Platform Licensing.
Who are Neem's main competitors?
Direct peers on record are Safexpay, NayaPay, SadaPay, PayFast, Avanza Solutions, Finja and Paymenow. Stitch (South Africa) is listed as an emerging player. 1LINK is listed as an others. Stripe is listed as a broad incumbent.
Does Neem have an API?
Yes. Neem provides APIs and SDKs for embedding payment products including accounts, cards, collections, disbursements, and branded wallets into partner platforms. The documentation references developer tools, guides, and low-code/plug-and-play integration options for businesses to go live quickly. Specific API endpoints referenced include the Payment Button, payout engine APIs, and disbursement APIs for single and bulk payouts. No dedicated developer documentation URL is present in the source content.
What industry is Neem in?
Neem's product category is Embedded Finance / Payment Infrastructure. Its primary akta.pro industry code is FSAMAOAA, Corporate Cash Management & Treasury Services, with a secondary code of FSAMAGAG, Corporate Cash Management & Treasury ACH. Its NAICS code is 518 and its SIC code is 7374.