Payouts to Pakistan

Pakistan has specific requirements for PKR payouts. For the general cross-border payment flow, see Sending Cross-Border Payments.

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U.S. Origination Required

Remittance payouts to Pakistan are currently supported only for transactions originating from the United States. Transactions originating from Canada are not supported.

C2C restriction

Pakistan payouts support consumer-to-consumer (C2C) only. Business customers and business counterparties are not supported. Both the customer (originator) and counterparty (receiver) must be individuals.

Trading account requirement

Pakistan payouts require a USDC_SOL trading account as the source. Other trading account types (such as USDC or USDC_NPL) are not supported for PKR payouts.

Verify PKR payout availability

Confirm your bank supports PKR payouts for C2C and the bank_account route.

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Bank configuration required

Contact Cybrid support to enable PKR payouts and configure Pakistan as a supported corridor for your bank.

GET /api/banks/{bank_guid}
Authorization: Bearer YOUR_TOKEN

Look for an entry in supported_payout_symbols where:

• symbol: PKR-USD or PKR-USDC_SOL
• country_code: PK
• participants_type: C2C
• route: bank_account

You can also query prices for Pakistan:

GET /api/prices?payout_country_code=PK
Authorization: Bearer YOUR_TOKEN

Identity verification requirements

The API validates all required KYC fields when you create a plan.

Originator (Customer)

Required fields for the customer (individual):

• name.first, name.last
• date_of_birth
• address.street, address.city, address.country_code

Receiver (Counterparty)

Required fields for the counterparty (individual):

• name.first, name.last

The counterparty must be in verified state (watchlist screening passed) before you can create the external bank account and plan.

Purpose of transaction

For Pakistan C2C payouts, purpose_of_transaction is required. The API accepts all standard purpose values.

External bank account setup

Pakistan payouts use SBP (State Bank of Pakistan) routing through Pakistan's banking infrastructure. The API supports two routing formats: a SWIFT/BIC code with a local bank account number, or an IBAN.

Send a POST request to /api/external_bank_accounts with one of the following formats:

Option 1: SWIFT/BIC code with local bank account number

Uses bank_code_type: "SWIFT_BIC" with a SWIFT/BIC code (bank_code) and a local Pakistani bank account number (8-24 digits).

{
  "account_kind": "raw_routing_details",
  "name": "Pakistani beneficiary account",
  "counterparty_bank_account_details": [{
    "bank_code_type": "SWIFT_BIC",
    "bank_code": "HABORPKAXXX",
    "account_identifier": "1234567890123456",
    "payment_rail": "SBP"
  }],
  "counterparty_guid": "counterparty_guid",
  "customer_guid": "customer_guid",
  "asset": "PKR"
}

Option 2: IBAN

Uses bank_code_type: "IBAN" with a Pakistani IBAN (validated via ISO 13616).

{
  "account_kind": "raw_routing_details",
  "name": "Pakistani beneficiary account (IBAN)",
  "counterparty_bank_account_details": [{
    "bank_code_type": "IBAN",
    "account_identifier": "PK36SCBL0000001123456702",
    "payment_rail": "SBP"
  }],
  "counterparty_guid": "counterparty_guid",
  "customer_guid": "customer_guid",
  "asset": "PKR"
}

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No bank code required

Pakistan does not require a bank_code field when IBAN routing details are set. When both IBAN and SWIFT/BIC details exist on the same account, the system prefers the SWIFT/BIC option.

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API versioning

Creating external bank accounts with foreign raw routing details requires Accept-Version: 2025-10-01 or later.

For the full account model and field reference, see Create Foreign Fiat External Bank Accounts.

Supported banks

The following banks are available for PKR payouts to Pakistan. For SWIFT-routed payouts, use the SWIFT/BIC code when setting up the external bank account. The IBAN bank code column identifies each bank within the IBAN format and does not require a separate bank_code field.

Common validation errors

Related resources

• Sending Cross-Border Payments
• Create Foreign Fiat External Bank Accounts
• Creating a Counterparty
• Verifying a Counterparty
• Create Plan API Reference