Every platform that accepts money from customers eventually hits the same wall. Your customers want to pay in different ways. Your business needs to accept all of them. And every new method you add means another provider to onboard, another integration to build, and another data stream your finance team has to reconcile at the end of the month.

Neem is financial infrastructure for platforms and enterprises in Pakistan. Collections is one of the core capabilities within that, covering every way a customer pays, through a single integration, tracked in one dashboard.

There are two things to understand about how Neem's payment gateway works: the payment methods it supports, and the ways a business can integrate it. These are separate decisions, and getting both right removes most of the operational complexity that fragmented collection stacks create.

The payment methods Neem supports

Cards are the baseline. Neem supports debit and credit card acceptance for both domestic and international transactions, with a checkout experience built to reduce drop-off: autofill, securely saved cards, and no requirement for customers to re-enter details on repeat purchases.

Mobile wallets cover the customers who do not use cards or prefer to transact through their phone. Every major digital wallet in Pakistan is supported natively as part of the checkout.

Raast, Pakistan's real-time interbank payment system, is supported as a first-class collection method. Instant confirmation, no batch windows, no intermediary friction. For platforms collecting from banked customers who prefer direct transfers, Raast is increasingly the default.

1Bill handles recurring and utility-style payment collection for platforms that bill customers on a regular schedule or operate as a biller. It covers over-the-counter cash payments too, so customers who pay in person at a branch or retail point are captured in the same system. No separate registration or parallel integration required.

AutoPay is Neem's subscription billing capability. Platforms that charge customers on a recurring basis, whether weekly, monthly, or on a custom cycle, can automate the entire collection process. The payment runs on schedule, the customer is charged, and the business has a complete record of every cycle without manual intervention.

International card payments extend collection to customers paying from outside Pakistan, running through the same infrastructure as domestic transactions with faster settlement.

The integration methods

The right integration depends on how the business operates. Neem offers five options, from no-code to fully custom.

A payment link is the fastest way to start collecting. Create a link from the business dashboard, share it over WhatsApp, SMS, email, or social media, and the customer pays. No website, no app, no development work required.

A QR code works for in-person and online collection. Customers scan, pay, and the transaction is recorded immediately. Useful for physical businesses, field teams, events, and any scenario where a checkout page is impractical.

A payment button embeds Neem's checkout directly into any existing website or app with minimal code. It works across any tech stack and removes the need to build or maintain a custom checkout UI.

The Shopify plugin is built for e-commerce businesses already on Shopify. Install, configure, and the store accepts every supported payment method without any developer involvement.

Full API integration is for platforms that need a completely branded checkout experience. The customer sees the platform's brand throughout. Neem processes the payment, handles compliance, and settles the funds in the background.

One dashboard for everything

Every collection, regardless of payment method or integration type, lands in Neem's business dashboard. Each transaction is recorded with a unique identifier that the business defines. The structure of that identifier reflects how the business thinks about its own transactions: for an insurer, it might combine the product line, access channel, and policy number; for an e-commerce platform, it might reference the order ID and SKU. Finance teams track payments, monitor settlement status, and reconcile faster because every channel feeds into one place rather than five separate provider dashboards.

Real-time reporting means the question "what came in today and through which channel?" has an immediate answer. No manual aggregation. No end-of-month data chase across providers. The dashboard is the single source of truth for collections reporting, insights, and reconciliation.

Built for platforms collecting at scale

The operational cost of fragmented collections is underestimated. Finance teams spend time reconciling across providers that cannot see each other. Development teams maintain integrations that are not the core product. Customer experience suffers when a payment method fails and no one has a unified view of what happened.

Neem gives platforms and enterprises a single integration to rely on for every payment method they need, every integration type that fits their setup, and a single dashboard to manage, monitor, and reconcile all of it.

If your collections are still spread across multiple providers, connect with us today to fix it: neem.io/partner-with-neem