Licensed by SBP & PTA — Pakistan's first dual-licensed PSO/PSP and TPSP

VRG — Pakistan's Interoperable Payment Switch

Asaan Mobile
Account Banking
for Every Phone.

SBP's flagship AMA scheme lets any citizen open a digital bank account in under a minute — dial *2262#, choose your bank, no smartphone or internet required.

One Shared Network
for Every Bank.

Whichever bank holds your account, you can cash in, cash out and complete BVS transactions at any bank's agent.

Diagram: Users, Agents and Retailers connect through VRG's switch to partner financial institutions including Allied Bank, Bank Alfalah, Bank Makramah, Meezan Bank, UBL and more.

+ More Partner Banks + More Partner Banks
15.37M+ Live AMA Accounts
17 Connected Banks
4 Connected Telcos
100K+ Connected Agents

Partner Banks & Wallets

  • ABHI MFB
  • Allied Bank
  • Askari Bank
  • Bank Alfalah
  • Bank Makramah
  • Easypaisa
  • FirstPay by HBL MFB
  • JazzCash
  • JS Bank
  • KMBL
  • Konnect by HBL
  • Meezan Bank
  • MMBL
  • Sindh Bank
  • U Bank
  • UBL
  • ZTBL

Performance Scale

Powering Pakistan's National Payment Rails at Scale

Live numbers from VRG's switch, updated continuously.

SBP Flagship
15.37M+
Asaan Mobile Accounts Live

Opened seamlessly across any phone via *2262#

Real-time IBFT
245.5M+
Transactions Processed

Cleared with sub-second switch response

Direct Clearing
Rs 241.4B+
Financial Value Cleared

Settled directly between financial institutions

National Products

Three Schemes. One Unified Switch.

The switch that VRG builds and runs, start to finish.

Financial Inclusion

Asaan Mobile Account

Open a digital bank account from any mobile phone in under a minute — no smartphone, mobile app or internet required. Dial *2262# nationwide.

*2262# USSD Code Zero Internet Instant KYC
15.37M+ accounts live
Shared Agent Network

Agent Interoperability

Connects any bank's agents to any bank's customers. Whichever bank holds your account, you can cash in, cash out and complete BVS transactions at any bank's agent.

Cash-In / Cash-Out Shared Counter Retail Network BVS
75+ cities connected
Real-Time Routing

IBFT Interbank Transfer

Routes, processes, and settles transfers between banks and wallets — instantly.

Sub-Second Speed ISO 8583 Native
245.5M+ transactions

Explore Products & Platforms

Architecture

A Full Platform, Built and Owned End to End

Every layer connects many banks, telcos and wallets at once. Connect to us once, and reach everyone.

Core Switch

Financial Switch Core

High-throughput switch core routing, validating, and settling ISO 8583 financial messages between institutions in real time.

ISO 8583 Sub-Second SLA SBP Compliant
Telco Gateway

USSD Aggregator

One hub connects every mobile network to the banks' core systems behind the scenes.

3GPP USSD All Telcos High Capacity
Digital Banking

Digital Wallet & APIs

Powers wallet apps, agent terminals, and developer tools — all with bank-grade security.

REST APIs AES-256 Agent SDK

Explore the full platform architecture

Our Vision & Purpose

We 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.

About VRG

Technical Integration

Let's Connect Your Institution to the Switch

Are you a bank, telecom operator, or government program? Get in touch to talk about connecting to our switch, disbursing payments, or handling remittances.