u/IndependentDrop6875

If you're doing serious volume on ecommerce marketplaces or need to move money internationally, you already know the pain. Payoneer bleeds you dry on fees, and at $1M+ in revenue, the fees seriously add up. ElevatePay won't give you a debit card and nSave's cards are highly unreliable. Sending your dollars outside of Pakistan without the right connections is a nightmare most of us have just learned to live with.

We built Nostro (nostro.pk) specifically for people in this community.

Here's what we offer:

• For getting your dollars out: Accept crypto deposits from anywhere in Pakistan and convert to USD through our off-ramp service with zero conversion fees.
• For holding your money: An FDIC insured USD account.
• For spending it: Both virtual and physical USD debit cards that actually work.
• For moving it: Fund your account via ACH, FedNow, RTP, Payment links (card acquiring, and debit pulls).

Corporate clients transacting >$25K/mo get a dedicated account manager, so you're not stuck in a support queue when something needs to move fast.

We're launching this month and building out a prioritized waitlist right now. If you're tired of paying a tax on every dollar you earn just because of where you live, this was built for you.

Sign up at nostro.pk and get early access.

My brother was a developer in Lahore. He had a solid income until Payoneer froze his account for the third time with zero explanation.

That was enough for us to build Nostro.

We started Nostro (nostro.pk) for Pakistani freelancers, remote workers, and businesses (Pak LTDs & US LLCs) who are tired of being at the mercy of platforms that can cut you off without warning.

It gives you a segregated USD account (GBP, EUR, AED coming soon), FDIC insured, where you can receive payments via ACH, Card Payments from clients (Payment Links are for both Individuals and Businesses), or RTP, and FedWire, and spend anywhere in Pakistan with a physical or virtual debit card. No arbitrary monthly limits either, your limits are based on what you tell us about yourself during signup. We also have local phone support available 24/7 because we know how frustrating it is to deal with a chatbot when your money is on the line.

Anyway, we're still early (launching in 2 weeks & signing up on a waitlist) and genuinely want to understand what people in KPK are dealing with day to day.

A couple of questions for anyone who does freelance work or runs a business with international clients:

• What is the most frustrating part of receiving payments from abroad right now?
• What would actually make you switch from whatever you are using today?

Drop a comment below

My brother is a developer in Lahore. Good clients and solid income until Payoneer freezes his account for the third time with zero explanation.

That was enough for us to build Nostro.

It's a USD account made specifically for Pakistani freelancers. Fund it via ACH from any client or platform, withdraw to your Pakistani bank account or mobile wallet. A flat fee of 1.3% on USD to PKR conversions — no hidden charges, no surprises. We also offer debit cards and payment links so you can get paid directly without routing through any third party.

We're building Nostro and looking for early feedback from this community. A few things we're curious about from this community:

• What's your biggest frustration with receiving international payments right now?
• What would make you switch from whatever you're using today?

DM me or drop a comment below.

Edit 03/29

To better clarify our solution for credibility purposes:

Nostro will launch in early Q2 of 2026.

Upon launch, your funds will be held with our US banking partner and insured through FDIC member institution coverage up to $250,000. Full details inckuding our Banking Partner will be disclosed upon launch. You can fund your account via ACH, direct bank transfers, and payment links so clients can pay you directly upon launch, with additional funding methods including Zelle to follow.

We're a Money Services Business registered with FinCEN, the US federal agency that regulates financial institutions.

There are no fixed monthly limits. Your account limits are determined by the information you provide during signup. If you have a large payment coming through just give us a heads up and provide source of funds documentation and we'll sort it out quickly.

On spending internationally, our physical and virtual debit cards handle that from day one. Whether it's software subscriptions, international vendors, or platforms that typically require a US card, your Nostro debit card works anywhere Visa or Mastercard is accepted.

On actually sending money abroad from a Pakistani bank account, that's a separate problem we're actively working on and expect to have something to share by end of Q2. Stay tuned.

Appreciate the support, this community is exactly who we're building for! More updates are coming soon!

Update: 4/6

For a direct access to the founders and product updates, signup on Nostro's Official Whatsapp Community:

https://chat.whatsapp.com/E4GkBAySHz14V4f5eH1l1J

Edit 4/13

Hi everyone,

We're proud to announce that our Bank Account issuance partner is Citibank. Both Individual and Business Accounts (US LLCs) will be able to open an account with us within 10 mins of signup. Here's the full-list of product features we're offering:

1. Same Day/Next Day ACH
2. Real Time Payments (Operated by TCH)
3. Fedwire (Operated by Federal Reserve Bank)
4. Debit Cards (ApplePay/Google Wallet/Samsung Wallet)
5. Local Customer Support (Available 24/7 for our users)

Users wanting early access (0% Transaction Fees for 12 months) can signup at www.nostro.pk and join our Whatsapp Community at https://chat.whatsapp.com/E4GkBAySHz14V4f5eH1l1J

Update: 4/18/2026

Definitive Comparison Matrix of Nostro vs. nSave vs. ElevatePay (Feature by Feature):

Comparison Matrix b/w Nostro, nSave, ElevatePay