In a step that could transform how small businesses in Pakistan access their money, Neem has partnered with DigiKhata, the country’s leading digital bookkeeping and commerce platform for SMEs and merchants. The collaboration brings Neem’s branded wallet and ledger solution to DigiKhata’s ecosystem, enabling instant, secure, and scalable disbursements for millions of retailers and merchants. 

Since its launch, DigiKhata has enabled over 1 million merchants to digitise their bookkeeping, consolidate trade credit, and reduce losses, saving them time and money. Alongside its flagship product, DigiKhata also offers DigiDokaan, an instant online store platform that helps SMEs and retailers set up digital catalogues, manage orders, payments, deliveries, and even marketing, all through a unified platform purpose-built for SMEs in Pakistan. 

Managing payouts and settlements efficiently is a constant challenge for growing SMEs, especially as they scale operations and handle multiple payment streams. Through this partnership, Neem and DigiKhata are simplifying financial operations for businesses, making access to funds faster, smoother, and more reliable. This collaboration is designed to strengthen how merchants manage their cash flow and keep their operations moving seamlessly.

Disbursements are often the forgotten half of the payments equation. We are thrilled to work with DigiKhata, a true category leader in Pakistan’s SME space, to solve this challenge head-on. Together, we are enabling merchants to not just collect payments seamlessly but also access and manage them on their own terms, said Nadeem Shaikh, Co-founder of Neem.

“DigiKhata has always been committed to empowering small businesses in Pakistan by helping them save time, manage credit, and grow with confidence. Partnering with Neem allows us to take this commitment further by giving SMEs instant access to their hard-earned funds and improving their financial agility,” said Adnan Aslam, Founder and CEO of DigiKhata.

This partnership marks Neem’s entry into the retail space with a category leader that is redefining how SMEs run their businesses. Payouts are a vital part of every enterprise’s financial operations, whether settling with vendors, paying suppliers, issuing customer refunds or providing staff incentives. Looking ahead, the same infrastructure can also enable embedded lending use cases, where a business’s transaction history and wallet activity create a foundation for working capital loans, invoice financing, or buy-now-pay-later options. By equipping DigiKhata with instant, embedded disbursements, Neem is delivering the speed and control businesses need to keep money flowing and operations thriving, while fuelling the next wave of Pakistan’s digital economy.