Neem has officially stepped into Pakistan’s retail space through a strategic partnership with DigiKhata, aiming to resolve one of the most persistent challenges faced by small and medium enterprises: slow and fragmented payouts. The collaboration, announced through a LinkedIn update, integrates Neem’s branded wallet and ledger infrastructure directly into DigiKhata’s platform, offering merchants quicker and more secure access to their earnings. The move marks an important milestone for Neem as it expands deeper into the transactional backbone of Pakistan’s digital economy.
DigiKhata, a widely used digital bookkeeping and business management platform with more than one million merchants onboarded, will now leverage Neem’s wallet technology to strengthen financial flows for retailers and small businesses. Through this integration, merchants on DigiKhata and its online store solution, DigiDokaan, can expect instant disbursements, minimizing the waiting periods that often disrupt business operations. This faster payout capability is expected to ease one of the primary pressures faced by SMEs: managing multiple payment streams that frequently settle at different times.
In a blog post published on Neem.io, co-founder Nadeem Shaikh highlighted how disbursements remain one of the most overlooked components of the digital payments value chain. He emphasized that the partnership with DigiKhata will help merchants gain greater control over their funds by reducing settlement delays and improving transparency. According to Shaikh, strengthening this segment of the financial journey is essential for boosting the efficiency and resilience of SMEs, which form a major part of Pakistan’s commercial landscape.
DigiKhata CEO Adnan Aslam echoed this sentiment, stating that quicker access to earnings will significantly enhance the financial agility of small businesses. By minimizing payout bottlenecks and offering a unified interface for catalogues, orders, payments and deliveries, DigiKhata aims to give merchants a more dependable and streamlined experience.
Neem’s latest integration also lays the foundation for future embedded lending offerings. The fintech stated that the deployed infrastructure can support working capital loans, invoice financing and buy-now-pay-later products, leveraging transaction histories generated within DigiKhata’s ecosystem. As Pakistan’s digital commerce environment continues to expand, such embedded finance tools are expected to play a critical role in strengthening SME cash flow and enabling sustainable growth.
This partnership follows a series of sector-wide expansions by Neem in recent months. The fintech has entered multiple verticals through collaborations with key players across Pakistan’s insurance, logistics, retail and digital services industries. Last month, Neem entered the insurance domain through a partnership with Blink, a technology company operating in the food and beverage sector. Earlier this year, Neem also ventured into logistics by partnering with Leopards Courier Services, one of Pakistan’s leading courier and delivery networks.
Neem’s technology is already deployed across a diverse range of partner organizations, including Sehat Kahani, Smartlane, TCS, ezBike, Bakhabar Kissan, Farm2Home, Edkasa and several retail and e-commerce brands such as Sana Safinaz, Union Fabrics, Bechlo.pk and EcommDeals. The addition of DigiKhata further strengthens Neem’s presence in the SME and retail space, marking another step in its mission to empower businesses through embedded financial solutions.
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