Internal Report · SaaS Client Matrix · L2 Support

SaaS Clients on Multinet & Jazz

Full list of all clients hosted on SaaS model, their VPN platform, active services, and a real-world example of what each service actually does.

Multinet VPN
Jazz PSL / Jazz NBP
NTC Core / Jazz PSL
01 What Each Service Does — With Real Examples
RAAST Bulk Receiving

Receive many payments at once

The bank receives a large batch of payments through Pakistan's RAAST instant payment system all at once instead of one by one.

📥 Example: A company pays 500 employees their salaries — all 500 transfers arrive at the receiving bank in one bulk batch through RAAST.
RAAST Bulk Sending

Send many payments at once

The bank sends out a large batch of payments to multiple people at the same time through RAAST.

📤 Example: Government sends pension payments to 10,000 pensioners — all sent in one bulk transaction via RAAST.
RAAST P2P

Person sends money to another person instantly

One individual sends money directly to another individual using their phone number or IBAN through RAAST. Instant, 24/7.

📱 Example: Ali opens his banking app and sends PKR 5,000 to his friend Sara's account instantly using her phone number.
P2M Issuance

Bank issues QR codes for merchants to receive payments

The bank generates and issues QR codes that merchants can display at their shop. Customers scan the QR to pay.

🏪 Example: A shopkeeper goes to EasyPaisa Bank and gets a QR code for their shop. Customers now scan it to pay directly.
P2M Acquiring

Bank collects and processes QR payments for merchants

The bank processes and settles the payments that come in through QR scans at merchants — the money lands in the merchant's account.

💳 Example: A customer scans a QR at a restaurant. Faysal Bank processes that payment and deposits the money into the restaurant's account.
RTGS

Large value transfers between banks — real time

Real Time Gross Settlement — used for very large amounts (usually millions) that need to move between banks immediately and individually.

🏦 Example: A corporation transfers PKR 500 million to another bank for a property deal. RTGS settles it instantly, one by one, in real time.
IBFT

Regular interbank money transfers for everyday use

Inter Bank Funds Transfer — the standard way customers transfer money from their account in one bank to an account in a different bank.

🔄 Example: A customer with a National Bank account transfers PKR 20,000 to their friend's Meezan Bank account through internet banking.
UBPS

Pay utility bills through the bank

Utility Bill Payment System — allows customers to pay their electricity, gas, water, and other utility bills directly through their bank or app.

💡 Example: A customer logs into their National Bank app and pays their LESCO electricity bill directly — no need to visit a payment center.
ACS

Scheduled/batch clearing transactions

Automated Clearing System — processes scheduled or recurring transactions in batches at set times, like standing orders or cheque clearances.

🔁 Example: A bank processes all cheque deposits from the day in a single clearing batch overnight through ACS.
TF 2.0

Look up an account holder's name using their account number

Title Fetch — before sending money, the system fetches and shows the receiver's name so the sender can confirm they're sending to the right person.

🔍 Example: Ali enters his friend's account number. Before confirming the transfer, the app shows "Account holder: Sara Ahmed" — Ali confirms it's correct, then sends.
CMS

Manage the full lifecycle of bank cards

Card Management System — handles everything related to debit/credit cards: issuing new cards, activating them, blocking, setting limits, and handling card transactions.

💳 Example: A customer calls the bank to block their lost debit card. The bank agent uses CMS to instantly block the card and issue a replacement.
02 Multinet Clients & Their Active Services
🏦 Dubai Islamic Bank
Multinet
RAAST Bulk Receiving
Receives bulk salary/payment batches
Example: Corporate client sends 1,000 employee salaries — DIB receives them all in one RAAST bulk.
RAAST Bulk Sending
Sends bulk payment batches out
Example: DIB sends out vendor payments for a corporate customer to 200 suppliers at once.
RAAST P2P
Instant person-to-person transfers
Example: DIB customer sends PKR 10,000 to a friend at another bank instantly via phone number.
P2M Issuance
Issues QR codes to merchants
Example: A DIB business account holder receives a QR code to place at their shop counter.
TF 2.0
Fetch account holder name before transfer
Example: Before sending money, DIB app shows receiver's name to confirm correct account.
🏦 MCB Islamic Bank
Multinet
RAAST Bulk Receiving
Receives bulk payments
Example: MCB Islamic receives government disbursements for multiple account holders in one batch.
RAAST P2P
Instant individual transfers
Example: MCB Islamic customer pays rent to their landlord instantly via RAAST P2P.
P2M Issuance
Issues merchant QR codes
Example: A small shop owner with MCB Islamic account gets a QR code to accept digital payments.
TF 2.0
Name verification before transfer
Example: Customer enters IBAN, app confirms account name — reduces wrong transfers.
📱 EasyPaisa Bank
Multinet
RAAST Bulk Receiving
Bulk inward payments
Example: NGO sends donations to thousands of EasyPaisa wallets in one go.
RAAST P2P
Person to person payments
Example: EasyPaisa user sends money to a friend on any bank, instantly.
P2M Issuance
Merchant QR issuance
Example: Street vendor registers on EasyPaisa and gets a QR to accept payments.
P2M Acquiring
Collects QR payments for merchants
Example: Customer scans EasyPaisa QR at a shop — EasyPaisa settles the amount to the merchant.
RTGS
Large value real-time transfers
Example: Corporate client moves PKR 200 million between banks instantly via EasyPaisa's RTGS.
TF 2.0
Account name lookup
Example: Before sending money, EasyPaisa app shows receiver name for confirmation.
🏦 Faysal Bank
Multinet
P2M Acquiring
Processes QR payments at merchants
Example: Customer scans a QR at a Faysal Bank merchant and pays — Faysal Bank processes and settles the transaction.
💼 NBP FUNDS
Multinet
IBFT
Interbank fund transfers
Example: Investor redeems mutual fund units and money is transferred to their account at another bank via IBFT.
UBPS
Utility bill payments
Example: NBP Funds customer pays their gas bill through the portal using UBPS.
CMS
Card management
Example: NBP Funds issues investment-linked cards and manages their activation and limits through CMS.
💸 PAYKII
Multinet
UBPS
Utility bill collection platform
Example: PAYKII customers pay electricity, gas, and water bills through the PAYKII app using UBPS.
03 Jazz Clients & Their Active Services
🏛️ National Bank of Pakistan
Jazz NBP
RAAST Bulk Receiving
Bulk inward government payments
Example: Government social protection program deposits Ehsaas payments to thousands of NBP accounts in one bulk.
RAAST Bulk Sending
Mass outward payments
Example: NBP sends out pension payments to tens of thousands of retired government employees in one batch.
RAAST P2P
Instant customer transfers
Example: NBP customer sends money to a friend at Meezan Bank instantly via NBP mobile app.
P2M Issuance
QR codes for NBP merchants
Example: A business customer of NBP gets a QR code to display and accept payments at their outlet.
P2M Acquiring
Settling QR payments
Example: Customer pays at an NBP merchant via QR — NBP settles the transaction to the merchant account.
IBFT
Standard interbank transfers
Example: NBP customer transfers salary to their child's HBL account through internet banking.
UBPS
Bill payments
Example: NBP customer pays SNGPL gas bill via NBP app without visiting any payment center.
TF 2.0
Name fetch before transfer
Example: NBP app shows receiver's name before confirming any IBFT or RAAST transfer.
🏦 Mashreq Bank
Jazz PSL
RAAST P2P
Instant P2P transfers
Example: Mashreq customer sends money to anyone in Pakistan instantly using RAAST.
IBFT
Interbank transfers
Example: Corporate client moves funds between their Mashreq and MCB accounts.
UBPS
Utility bill payments
Example: Mashreq customer pays IESCO electricity bill via their banking portal.
TF 2.0
Account name verification
Example: Before an IBFT, Mashreq shows the account holder name to avoid wrong transfers.
💳 Cerisma
Jazz PSL
RAAST P2P
Instant transfers
Example: Cerisma wallet user sends money to another bank customer instantly.
P2M Issuance
Merchant QR issuance
Example: Cerisma issues a QR code to a merchant to accept digital payments at checkout.
IBFT
Interbank fund transfers
Example: Cerisma user transfers balance to their account at another bank.
UBPS
Bill payments
Example: Customer pays telephone or utility bill directly through Cerisma platform.
TF 2.0
Name lookup
Example: Cerisma verifies receiver name before processing any transfer.
📱 Raqami Bank
Jazz PSL
RAAST P2P
Digital P2P payments
Example: Raqami digital bank customer sends money to any account in Pakistan instantly.
IBFT
Interbank transfers
Example: Raqami customer moves money to their account at a traditional bank.
UBPS
Bill payments
Example: Raqami app user pays their monthly internet or electricity bill in-app.
TF 2.0
Receiver name confirmation
Example: Raqami shows account title before any transfer is completed.
🏦 Allied Bank
Jazz PSL
ACS
Automated clearing / cheque processing
Example: Allied Bank processes all cheque deposits from the day in a single overnight clearing batch via ACS.
🏦 HBL Microfinance Bank
Jazz PSL
TF 2.0
Account name verification
Example: Before a microfinance disbursement, HBL Microfinance verifies receiver's account name using TF 2.0.
🚀 Halan
Jazz PSL
IBFT
Interbank transfers
Example: Halan disburses a loan amount to a customer's account at another bank via IBFT.
CMS
Card management
Example: Halan issues prepaid cards to their gig economy workers and manages activation and limits through CMS.
💰 Keenu
Jazz PSL
P2M Acquiring
Merchant payment collection
Example: Keenu processes QR or tap payments at retail merchants and settles the amount to their accounts.
04 NTC Core / Jazz PSL Client
🏛️ CDNS
NTC Core / Jazz PSL
RAAST Bulk Sending
Bulk outward payments
Example: CDNS sends profit payments to thousands of savings certificate holders in one bulk batch.
RAAST P2P
Individual transfers
Example: CDNS customer withdraws their savings and it's sent instantly to their bank account via RAAST.
IBFT
Interbank transfers
Example: CDNS disburses matured certificate amount to customer's account at any bank via IBFT.
UBPS
Utility bill payments
Example: CDNS account holders can pay their utility bills through the CDNS portal.
05 Full Matrix — All Clients at a Glance
📊 Complete SaaS Client × Service Matrix
Client VPN RAAST
Bulk Rcv		 RAAST
Bulk Snd		 P2P P2M
Issue		 P2M
Acqui		 RTGS IBFT UBPS ACS TF2.0 CMS
Dubai Islamic Bank Multinet ✓✓✓✓—————✓—
MCB Islamic Bank Multinet ✓—✓✓—————✓—
EasyPaisa Bank Multinet ✓—✓✓✓✓———✓—
Faysal Bank Multinet ————✓——————
NBP FUNDS Multinet ——————✓✓——✓
PAYKII Multinet ———————✓———
National Bank Jazz NBP ✓✓✓✓✓—✓✓—✓—
Mashreq Bank Jazz PSL ——✓———✓✓—✓—
Cerisma Jazz PSL ——✓✓——✓✓—✓—
Raqami Bank Jazz PSL ——✓———✓✓—✓—
CDNS NTC/Jazz —✓✓———✓✓———
Allied Bank Jazz PSL ————————✓——
HBL Microfinance Jazz PSL —————————✓—
Halan Jazz PSL ——————✓———✓
Keenu Jazz PSL ————✓——————

📌 Quick Summary for Your CEO Report

Multinet Clients
6
DIB, MCB Islamic, EasyPaisa, Faysal Bank, NBP Funds, PAYKII
Jazz Clients
9
NBP, Mashreq, Cerisma, Raqami, CDNS, Allied, HBL MFB, Halan, Keenu
Total Active Services
11
RAAST BR, RAAST BS, P2P, P2M Issue, P2M Acqui, RTGS, IBFT, UBPS, ACS, TF2.0, CMS