OneLoad

What OneLoad does

OneLoad (operating as OneLoad Processing Systems Pvt. Limited) is a Pakistan-based fintech that operates the country's largest non-banking digital transaction platform, serving 50,000+ active retail locations and several million monthly active consumers across the country. Founded in 2013 as a subsidiary of Systems Limited with IFC (World Bank Group) as co-investor, the company aggregates telecom top-ups, branchless banking services, bill payments, funds transfers, vouchers, and digital lending into a single mobile and web application, replacing the legacy multi-phone model that Pakistani micro-retailers previously needed to serve different telecom networks. The core product suite comprises the OneLoad App (Android and iOS), a web portal, and differentiated interfaces for retailers and consumers, with deep integrations into Pakistan's primary payment rails including JazzCash, Easypaisa, HBL Konnect, UBL Omni, and Payfast.

The company operates a transaction-based revenue model, earning commissions on each mobile top-up, bill payment, funds transfer, and voucher sale processed through the platform, with Financial Services retailers earning additional commissions on cash-in/cash-out. It is now layering working-capital and digital lending products in collaboration with banks and regulated financial partners, with stated daily disbursements exceeding PKR 10 million. Distribution combines a product-led growth motion (free app download, zero account-opening cost, app-store presence) with a channel-partner motion through the physical retailer network. In 2022 OneLoad secured $11 million in Series A funding led by Sarmayacar and Shorooq Partners with participation from the Bill & Melinda Gates Foundation Strategic Investment Fund, and received in-principle approval from the State Bank of Pakistan to operate as an Electronic Money Institution — positioning the business to evolve from a transaction aggregator into a full-stack financial services platform for Pakistan's unbanked population.

Name

OneLoad

Legal name

OneLoad Processing Systems Pvt. Limited

Website

https://oneloadpk.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

OneLoad is a Pakistan-based fintech operating the country's largest non-banking digital transaction platform, serving 50,000+ micro-retailers and several million consumers with mobile top-ups, bill payments, funds transfers, vouchers, and digital lending through a single app.

Ownership category

akta.pro rank

Product category

Digital Payments and Branchless Banking Platform

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Prepaid Reload Networks & Distribution (Retail Top-Up) (FSAMANAO)

akta.pro secondary industries

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Mobile top-up services
• Bill payment platform
• Branchless banking network
• Retailer payment aggregator
• Digital financial services

Headquarters

HQ city

Lahore

HQ country

Pakistan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Commissions: Retailers earn commission on each transaction (mobile top-up, bill payments, funds transfer, vouchers, international vouchers). Financial Services Retailers (FS) earn additional commissions on cash deposit and withdrawal services. This creates a commission-based revenue share model where OneLoad takes a percentage of each digital transaction processed through the platform.
2. Financial Services Integration Fees: Revenue generated through partnerships with financial institutions and telecom operators for facilitating digital payments, cash-in/cash-out services, and payment processing across the network.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

OneLoad is a single-stop digital financial services platform that aggregates mobile top-ups from 100+ telecom packages, branchless banking cash-in/cash-out (JazzCash, Easypaisa, HBL Konnect, UBL Omni, PayFast), utility bill payments, voucher sales (domestic and international), balance transfers, ticket booking, and digital lending into a unified mobile and web application. The platform serves 50,000+ micro-retailers (kirana stores) who earn commission on every transaction, plus millions of individual consumers across Pakistan's unbanked and underbanked population. The company operates the largest non-banking digital transaction network in Pakistan and holds in-principle Electronic Money Institution (EMI) approval from the State Bank of Pakistan.

Product overview

OneLoad is a single-stop digital financial services platform providing mobile and web applications for Pakistan's micro-retailers and individual consumers. The core OneLoad App and Web Portal serve as the primary interfaces, while the 'OneLoad for Retailers' platform enables telecom services, branchless banking, and payment acceptance with commission-based earnings, and 'OneLoad for Everyone' serves individual users. Key services include Mobile Top-Up/Recharge (100+ packages from all telecoms), Bill Payment, Ticket Booking, Vouchers (domestic and international), Pay Retailer, Balance Transfer, and Digital Lending. The platform connects users with multiple payment networks including JazzCash, Easypaisa, HBL Konnect, UBL Omni, and Payfast for wallet funding and cash-in services.

Differentiator

Problem solved

Functional benefit

Brands

• OneZapp: A separate product/platform linked from the main OneLoad website, operated under the same corporate umbrella.

Products and services

• OneLoad App Android and iOS mobile application serving as Pakistan's largest app-based digital transaction platform, enabling mobile top-up, bill payments, funds transfer, voucher purchase, and other digital services for 50,000+ retailers and millions of consumers.
• OneLoad Web Portal Web-based version of the OneLoad platform at web.oneloadpk.com, allowing users to access digital financial services without downloading the mobile app.
• OneLoad for Retailers Comprehensive B2B platform for micro-retailers (kirana stores) enabling telecom, branchless banking, and payment services through one app, including supplier relationship management, commission earnings on transactions, and Financial Services (Easypaisa) integration.
• OneLoad for Everyone Consumer-facing digital services platform providing mobile bundles, digital and bill payments, tickets, ride bookings, and balance transfer capabilities for individual users across Pakistan.
• Mobile Top-Up/Recharge Mobile balance recharge service supporting 100+ packages from all Pakistani telecom operators including region-specific and OneLoad-exclusive offerings, available to consumers and processed by retailers.
• Bill Payment Service Utility bill payment service enabling users to pay electricity, gas, and other bills through the OneLoad platform via retailers or the consumer app.
• Ticket Booking Service allowing users to book tickets (for rides and events) directly through the OneLoad application.
• Vouchers (Domestic and International) Digital voucher purchase and management service including international vouchers for platforms such as Netflix and PlayStation.
• Balance Transfer / Pay Retailer Instant balance transfer service allowing users to transfer funds to other users or pay shopkeepers in seconds, and a 'Pay Retailer' feature for seamless business transactions to OneLoad retailer accounts.
• Digital Lending for Retailers Working-capital and digital lending products offered to OneLoad micro-retailers in collaboration with banks and regulated financial partners, with daily disbursements exceeding PKR 10 million.

Quantifiable outcome

• Daily disbursements of PKR 10 million+ in digital lending products for micro-retailers
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• JazzCashcoreStrategic or Co-development Partner · 10 March 2022Partnership enables cash-in services for micro-retailers through JazzCash outlets. OneLoad retailers can now add balance to their OneLoad wallet from JazzCash, solving liquidity challenges faced by Pakistani micro-retailers. Joins existing cash-in partners Easypaisa and Payfast.
• Kuunda PakistanminorStrategic or Co-development Partner · 10 March 2022Partnership to provide tailored liquidity solutions for Pakistani retailers. Aims to address working capital needs and financial accessibility for the micro-retailer network.
• EasypaisacoreTechnology or IntegrationBranchless banking cash-in partner enabling retailers to add balance to OneLoad wallet through Easypaisa outlets. Part of the cash-in ecosystem that also includes JazzCash and Payfast.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• JazzCash: JazzCash is Pakistan's largest branchless banking platform operated by Mobilink Microfinance Bank, offering mobile wallets, bill payments, funds transfer, and cash-in/out to tens of millions of users. It is a direct competitor to OneLoad's transaction services and also one of its key cash-in integration partners, making it the most comparable peer.
• Easypaisa: Easypaisa is Pakistan's second-largest branchless banking platform, operated by Telenor Microfinance Bank (now KEENU). It offers an almost identical suite of services to OneLoad—mobile top-up, bill payment, money transfer, and merchant payments—and serves both as a direct competitor and a cash-in partner.
• HBL Konnect: HBL Konnect is Habib Bank Limited's digital banking and branchless banking platform offering mobile accounts, funds transfer, bill payments, and agent-based cash-in/out across Pakistan. It directly overlaps with OneLoad's core service set and is one of its integrated wallet partners.
• UBL Omni: UBL Omni is United Bank Limited's branchless banking service providing mobile account, payments, and agent network across Pakistan. It offers the same retail transaction services as OneLoad and is one of its balance top-up partners, making it a directly comparable competitor.
• Payfast: Payfast is a Pakistani fintech offering digital payments, mobile top-ups, and cash-in services through an agent network. As both a direct competitor in the prepaid/retail-top-up space and an integration partner for OneLoad retailers, it is highly comparable.

Broad incumbents

• bKash: bKash is Bangladesh's dominant mobile financial services platform with tens of millions of active accounts. It operates a similar agent/retailer-driven model in a neighboring South Asian market and represents the category benchmark for large-scale unbanked-market digital payments.
• M-Pesa: M-Pesa, operated by Safaricom in Kenya and Vodafone in other markets, is the global benchmark for agent-led mobile money at scale. It pioneered the retailer-as-distribution model that OneLoad replicates in Pakistan, making it the most relevant international comparable for business model and unit economics.

Emerging players

• NayaPay: NayaPay is a Pakistan-based digital wallet and payments app targeting consumers and SMBs with accounts, cards, and P2P transfers. It overlaps with OneLoad's consumer wallet and payment use cases but focuses more on app-based consumers than retailer-led distribution.
• SadaPay: SadaPay is a Pakistani fintech offering a digital current account, debit card, and P2P payments via a mobile app. It targets the same unbanked/underbanked consumer segment as OneLoad's consumer-facing product with a more direct (non-agent) model.

Others

• Kuunda Pakistan: Kuunda is a fintech providing working-capital and liquidity solutions to micro-retailers in emerging markets, including Pakistan. As OneLoad's strategic partner for tailored liquidity products, Kuunda is comparable as an enabling/adjacent player in the digital lending value chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/oneloadpk
• YouTubeyoutube.com/channel/UCPseCsMfKPovl4QfAvNqPZA
• Facebookfacebook.com/oneloadpk
• LinkedInlinkedin.com/company/oneload
• Instagraminstagram.com/oneloadpk

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OneLoad