Cobu

What Cobu does

Cobu is a unified payment platform headquartered in Karachi, Pakistan, targeting small and medium-sized merchants who need to accept payments across both online and in-store channels. Founded in 2025 and operating with 11-50 employees, the company claims to serve over 350 business partners and to have processed more than 10 million orders and Rs 36 million in revenue across its platform.

The platform consolidates six product surfaces into a single offering: online payment gateway, in-store POS integration, QR code payments, tap-to-pay contactless acceptance, subscription management, and fraud detection. The technical core is built on Mollie's payment infrastructure, which provides the underlying processing for cards, digital wallets, local payment methods, subscriptions, reconciliation, and anti-fraud capabilities. Cobu's stated differentiator is direct POS integration that automatically syncs sales and reconciles transactions across online and physical channels, reducing the operational burden on merchants.

The business model is transaction-fee based on payment volume processed, supplemented by subscription billing services for recurring revenue merchants. Pricing is quote-based and not publicly disclosed, with sales conducted through website demo requests and WhatsApp contact. The go-to-market is sales-led, targeting SMB and mid-market merchants in Pakistan through direct engagement and customer testimonials. No funding rounds, management team details, or financial disclosures are available, and the company remains privately held with no public market presence.

Name

Cobu

Legal name

Cobu Inc.

Website

https://cobu.app

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Cobu is a Karachi-based unified payment platform serving Pakistani SMB and mid-market merchants with online and in-store payment acceptance, POS integration, QR code, tap-to-pay, and subscription management, built on Mollie's payment infrastructure and serving 350+ businesses.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Activities Related to Credit Intermediation (5223)

akta.pro primary industry

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

akta.pro secondary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing
• Payment gateway
• POS integration
• QR code payments
• Subscription billing

Headquarters

HQ city

Karachi

HQ country

Pakistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing: Cobu charges merchants for processing payment transactions across online, in-store, QR code, and contactless channels. Revenue is generated through transaction fees based on payment volume processed.
2. Subscription Management Services: Automated recurring billing and invoicing services for merchants managing subscription-based business models.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Cobu is a unified payment platform for merchants in Pakistan that combines online payments, in-store payments, QR code, tap-to-pay, POS integration, and subscription management into a single offering. The platform is targeted at merchants who need to accept payments across both digital and physical channels without managing separate vendors for each. It is built on top of the Mollie payment infrastructure.

Product overview

Cobu is a unified payment platform that consolidates business finance tools into a single integrated offering. The platform provides a modular portfolio centered around online payments and in-store payments as the two primary channels. Supporting these core functions are subscription management, POS integration, QR code payments, and tap-to-pay contactless payments—all powered by Mollie's payment infrastructure. The platform also includes fraud detection and secure transaction protection. Merchants can choose individual payment capabilities (online, in-store, QR, tap-to-pay) and subscription management based on their business model, whether ecommerce or physical retail.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payments Online payment acceptance for merchants to take payments through their digital storefronts via the unified Cobu platform.
• In-Store Payments In-person payment acceptance for physical retail, including QR code and tap-to-pay flows that do not require dedicated hardware.
• Tap to Pay Hardware-free tap-to-pay acceptance for in-store merchants, enabling card-style tap payments without dedicated POS terminals.
• QR Code Payments QR code based checkout flow for merchants, allowing customers to scan and pay via the Cobu merchant experience.
• Subscription Management Recurring billing and subscription management module for merchants, automating subscription collection and management.
• POS Integration Integration of Cobu payments with merchant POS systems, enabling automatic reconciliation across in-store and digital sales channels.

Quantifiable outcome

• 10 million+ orders processed
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

One partnership is on record.

• MolliecoreTechnology or IntegrationCobu integrates with Mollie for online payments, subscriptions, financing, reconciliation, and fraud protection. Mollie serves as the underlying payment infrastructure provider enabling Cobu's payment gateway capabilities.

Scale indicators5 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• NayaPay: Pakistan-based digital payments platform serving consumers and SMEs with accounts, cards, and payment acceptance. Comparable to Cobu in serving Pakistani merchants with modern, integrated payment infrastructure.
• Safepay: Pakistani payment gateway offering online checkout, subscription billing, and merchant-of-record services to SMB and mid-market merchants. Most directly comparable to Cobu as a domestic unified payments platform for the same merchant segments.
• SadaPay: Pakistan fintech offering digital accounts, debit cards, and merchant payment services to individuals and SMBs. Targets the same Pakistani merchant base as Cobu with payment acceptance and operational tooling.

Emerging players

• Finja: Pakistani fintech providing payments, lending, and working capital to SMEs. Comparable to Cobu in serving the underserved SMB segment in Pakistan with digital financial tools.

Broad incumbents

• Checkout.com: Global payment processor serving merchants and platforms with acquiring, orchestration, and fraud services. Comparable to Cobu's payment processing and fraud detection layer, though at enterprise scale across multiple geographies.
• JazzCash: One of Pakistan's largest mobile wallet and merchant payment platforms operated by Jazz (Mobilink). Competes with Cobu for Pakistani SMB payment volume with a far broader product portfolio and telecom-backed distribution.
• Stripe: Global online payments platform serving internet businesses with payment gateway, subscription billing, and fraud tools. Overlaps with Cobu's online payments and subscription management capabilities at a much larger scale.
• Block (Square): Global payments company combining POS hardware/software with payment processing and merchant services. Highly relevant as a reference point for Cobu's unified online + in-store + POS payments proposition.
• Easypaisa: Telenor-backed mobile wallet and merchant payment service in Pakistan with nationwide agent network. Competes with Cobu in merchant payment acceptance and is a dominant incumbent in the same domestic market.

Others

• Mollie: European payment service provider that powers Cobu's underlying payment, subscription, and fraud infrastructure. Functions as a critical technology partner rather than direct competitor, but its product defines Cobu's capability set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Cobu