About VRG
Architects of Pakistan's National Financial Switch
Virtual Remittance Gateway (VRG) connects banks and telecom operators. This lets people across Pakistan send mobile payments and remittances, even without a data connection.
Who We Are
Pakistan's dual-licensed financial switch, built to connect everyone.
VRG is the technology layer that connects Pakistan's banks, telecom operators, and mobile wallets on one switch. That turns an ordinary feature phone into a full banking channel — for millions of people who never had one before. No app, no data connection, no smartphone required.
That's only possible because of a regulatory position no one else in the country holds, and the operational backing of one of Pakistan's largest business groups — both covered in detail below.
Engineered for national-utility reliability
Mission & Vision
Why we exist, and where we're headed
Two distinct commitments that shape every product decision VRG makes.
Unlocking banking services for over 15 million accounts with simple *2262# USSD access.
Through the State Bank-backed Asaan Mobile Account (AMA) scheme, VRG delivers low-cost financial transactions directly to basic feature phones — without requiring internet or smartphones.
PROVEN TRACK RECORDWe are not just building a payments platform. We are building a better tomorrow.
VRG was created because a lot of people have given up on financial inclusion for the most vulnerable. We haven't — and we're building the infrastructure to prove it, one connection at a time.
NATIONAL FINANCIAL INCLUSIONRegulatory Credentials
Pakistan's Only Dual-Licensed Operator
This licence combination lets VRG connect banks and telcos completely.
Licensed PSO / PSP
Licensed by SBP under the Rules for Payment System Operators and Payment Service Providers to offer clearing and switch services.
Licensed TPSP
Granted Telecom Payment Service Provider License by PTA, authorized under Section 3 of the PS&EFT Act 2007 to bridge telecom and banking.
Dual-License Pioneer
VRG is Pakistan’s first and only entity holding both PSO/PSP and TPSP licenses, enabling end-to-end interoperable mobile financial services.
What Makes Us Different
Built for Scale, Reach, and Integration
Our solutions remove systemic barriers, allowing standard financial services to serve remote populations.
Underserved Focus
A mobile financial services platform built to bring banking to people who don't have it today.
Telecom Aggregation
The aggregation of all Telecom Operators with VRG's AMA platform allows local banks to extend the reach of their financial services to remote areas.
Seamless Integration
A powerful system integration suite that allows VRG to plug-and-play into any heterogeneous, legacy, and standard environment with minimal effort.
Milestones of Transformation
Explore VRG's journey in scaling Pakistan's digital payment ecosystem.
Company Incorporation
Registered as a private limited company on 21st Jun, 2013.
TPSP License
PTA and SBP granted Pakistan's 1st TPSP license on Jan 16, 2018.
Launch of Remittances
Entered into the remittance business to facilitate cross-border payments.
Cloud Migration
First ISO/PSP & TPSP to migrate to cloud with SBP's approval.
Launch of Agent Inter-Operability Scheme
VRG connected rival agent networks, so a transaction now works across any of them.
PSO/PSP License
SBP granted the commercial license on April 17, 2017.
TPSP – Operation Kick-off
Started commercial operations with 13 banks.
Recognition at World Economic Forum
Recognized at the W.E.F and subsequently exemplified by the Queen of Netherlands.
Agri-Inclusion via USSD Platform
VRG advanced agri-inclusion by enabling ZTBL access to financial services through its USSD platform.
Company Incorporation
Registered as a private limited company on 21st Jun, 2013.
PSO/PSP License
SBP granted the commercial license on April 17, 2017.
TPSP License
PTA and SBP granted Pakistan’s 1st TPSP license on Jan 16, 2018.
TPSP – Operation Kick-off
Started commercial operations with 13 banks.
Launch of Remittances
Entered into the remittance business to facilitate cross-border payments.
Recognition at World Economic Forum
Recognized at the W.E.F and subsequently exemplified by the Queen of Netherlands.
Cloud Migration
First ISO/PSP & TPSP to migrate to cloud with SBP’s approval.
Agri-Inclusion via USSD Platform
VRG advanced agri-inclusion by enabling ZTBL access to financial services through its USSD platform.
Launch of Agent Inter-Operability Scheme
VRG connected rival agent networks, so a transaction now works across any of them.
Parent Conglomerate
Backed by the Pathfinder Group
VRG leverages the vast scale, security heritage, and structural depth of Pakistan’s largest integrated services provider.
Pakistan's Security & Facilities Management Leader
That scale isn't just brand equity — it gives VRG boardroom-level governance, established regulatory compliance discipline, and a nationwide operational network to draw on from day one.
The group's structure spans two primary divisions, driving both physical infrastructure protection and technology-led financial systems.
Security & Services Division (SSD)
Five companies, covering physical security, cash transit, and facilities management nationwide.
Financial Services & Technology Division (FSTD)
Consisting of three Technology-oriented companies (including VRG) designed to innovate payments, remittance pathways, and software engineering.
Gallery
Life at VRG
A look at our team, corporate events, and milestones — photos coming soon.
Let's connect your institution to the switch.
Are you a bank, telecom operator, or government programme? Get in touch to talk about connecting to our switch, disbursing payments, or handling remittances.