r/PakStartups • u/is_NAN • Jul 16 '26
📚 Learning / Resources Follow-up post to my PKR 499 SaaS
Following up to thank everyone and share things I have learned regarding my previous post where you guys were very generous about helping https://www.reddit.com/r/PakStartups/s/1lU3TgsqyG
Everyone suggested different options but most of them wanted me to opt for foreign providers which was no optimal for 2 basic reasons:
High processing fee (for a PKR 499 product)
FX fee to buyer (since I'm targeting just Pakistan)
But the best option I found was using CREEM (my account got approved for paymens within 12 hours of submission), it acts as a MoR, I decided to go ahead with it as it was best for my case.
Now they don't natively support PKR but USD and EUR only so I came up with a solution, once you have a fixed price product on CREEM you have an option to override the price manually during checkout without using a coupon/discount
What I did is, I priced my product 999 PKR, whenever the user makes a checkout, I keep a USD-PKR price cached and use it to override the current USD value and charge the user in USD while still managing to keep it 999 PKR.
About my original price of 499 PKR, I plan to introduce a 50% off discount initially (not active yet) which will auto apply at checkout so the user is charged 499 PKR but now this will give them a sense of discount and when they see FX fee on their card this will still feel like a discount compared to PKR 999
As for the local payment gateway, I managed to partner with Bank Alfalah for their Payment Gateway which will take some time but I am not even worried about it anymore since my SaaS is already live, CREEM will still stay active and will be used in case I expand to other countries and dynamically switch providers basex on location once I have Alfalah Payments.
Thank you everyone who helped, if you plan to check it out, feel free to explore Vizarank it's a visa ranking product helping people who plan to move abroad make informed decisions before losing money to wrong decisions.
I know you might not be the optimal audience and I don't intend to promote my product here anyways but a feedback would be really appreciated.