NayaPay is a digital financial services provider based in Karachi, established in 2016. The company offers a unified platform for personal and business transactions, focusing on accessibility and financial inclusion in Pakistan. Its services include a digital wallet, peer-to-peer transfers, bill payments, and a Visa debit card for both online and in-store purchases.For businesses, NayaPay provides solutions through its NayaPay Arc, which includes digital payments, spend management tools, and business debit cards. The platform also supports international payments, enhancing its utility for users engaged in cross-border transactions. NayaPay generates revenue through merchant transaction fees and service charges, partnering with banks and payment service providers to ensure broad accessibility. The company aims to empower small businesses and individuals with user-friendly financial technology.