Zareea is a payment experience and connectivity platform that connects customers, merchants, and participating financial institutions.

Zareea makes it possible for customers to receive payment requests, review them, choose a participating financial account, authenticate through the applicable financial institution, and receive payment confirmation.

The Zareea payment experience follows a simple flow:

A merchant creates a payment request using the customer's Zareea ID. The customer receives and reviews the request. The customer chooses whether to proceed. If the customer proceeds, they select an available participating financial account. The customer then completes the authentication required by the applicable financial institution. The financial institution authorizes and processes the payment through the applicable payment infrastructure. Zareea receives the relevant transaction status and provides the appropriate payment confirmation.

Zareea is designed to connect the financial ecosystem rather than require customers or merchants to replace the financial services they already use.

Zareea provides the technology and payment experience that connects:

• check_circleCustomers
• check_circleMerchants
• check_circleParticipating banks
• check_circleDigital wallets
• check_circleFinancial institutions
• check_circleApplicable payment infrastructure

Zareea enables customers to manage their payment experience while keeping their participating financial accounts connected through one platform.

Zareea does not require a customer to maintain a separate Zareea monetary balance.

Zareea is not:

• closeA bank
• closeA digital bank
• closeA deposit-taking institution
• closeA traditional stored-value wallet
• closeA replacement for your bank or financial institution
• closeA custodian of customer funds

Your money remains with the applicable participating financial institution.

Zareea provides the payment experience and connectivity layer through which customers can receive requests, select participating accounts, and manage their payment activity.

By accessing the Zareea website, creating an account, using the Zareea application, creating or responding to a payment request, or using any Zareea service, you acknowledge that you have read, understood, and agreed to these Terms & Security provisions.

If you do not agree with these terms, please do not use Zareea.

Certain Zareea services may also be subject to additional terms, agreements, disclosures, or requirements.

You may use Zareea only if you meet the applicable eligibility requirements.

Certain services may require identity verification, account verification, business verification, or other information.

Eligibility may depend on:

• check_circleYour type of account
• check_circleThe Zareea service you are using
• check_circleParticipating financial institutions
• check_circleApplicable payment infrastructure
• check_circleApplicable laws and regulations

Zareea may restrict access where applicable eligibility, verification, security, or compliance requirements are not satisfied.

Certain Zareea services require you to create a Zareea account.

You may be required to provide information necessary to:

• check_circleCreate your account
• check_circleVerify your identity
• check_circleSecure your account
• check_circleConnect participating financial accounts
• check_circleProvide Zareea services
• check_circlePrevent fraud and abuse
• check_circleComply with applicable requirements

You are responsible for ensuring that the information you provide is accurate, complete, and up to date.

You are also responsible for protecting access to your Zareea account.

If you believe your account has been accessed without your authorization, contact Zareea through the official support channel as soon as possible.

Every Zareea customer is assigned a unique 6-digit numeric Zareea ID.

Your Zareea ID provides a simple payment-facing identity that can be used by merchants when creating payment requests.

Your Zareea ID consists of six numeric digits.

It allows a merchant to identify the intended Zareea customer without requiring the merchant to know the customer's preferred bank or wallet.

Your Zareea ID identifies your Zareea payment destination.

It is not:

• closeA password
• closeA PIN
• closeAn OTP
• closeA bank account number
• closeA wallet password
• closeAn authentication code

Knowing your Zareea ID does not authorize a payment.

A payment requires the appropriate customer approval and financial-institution authentication and authorization.

You may provide your 6-digit Zareea ID to merchants when you want them to send you a payment request.

The merchant can enter the six-digit ID into the Zareea merchant interface and initiate a payment request.

Sharing your Zareea ID does not provide another person with access to your bank account or wallet.

It does not authorize anyone to withdraw funds from your financial account.

You should nevertheless share your Zareea ID responsibly and with people or businesses you intend to transact with.

When a merchant enters a customer's 6-digit Zareea ID, Zareea may display the customer's name before the payment request is sent.

This allows the merchant to verify that the entered Zareea ID belongs to the intended customer.

This verification step helps reduce errors caused by entering an incorrect Zareea ID.

The merchant does not receive the customer's bank PIN, OTP, password, or other sensitive financial authentication information through this process.

Where available, customers may be permitted to change their Zareea ID.

Any change may be subject to:

• check_circleAvailability
• check_circleUniqueness
• check_circleAccount verification
• check_circleSecurity checks
• check_circleFrequency restrictions
• check_circleAbuse-prevention measures

Zareea may restrict changes where necessary to protect customers, merchants, or the security of the platform.

Customers may connect eligible participating financial accounts to their Zareea account.

Depending on availability, these may include:

• check_circleBank accounts
• check_circleDigital wallets
• check_circleOther participating financial accounts

A connected financial account can be presented as a payment option when a customer responds to a payment request.

The availability of a particular financial institution depends on its participation and technical integration with Zareea.

Zareea does not maintain a monetary balance for you.

Your funds remain with the applicable bank, wallet, or financial institution.

Zareea provides information and functionality related to:

• check_circleConnected financial accounts
• check_circlePayment requests
• check_circleAccount selection
• check_circlePayment activity
• check_circleTransaction status
• check_circleDigital receipts

Zareea does not represent a separate place where your money is stored.

Where supported, you may select a preferred or default participating financial account.

Your default account may be displayed as the first option when responding to a payment request.

A default account is provided for convenience.

It does not automatically authorize a payment.

You remain responsible for reviewing the payment request and confirming the account you intend to use.

A merchant can create a payment request by entering:

• check_circleCustomer's 6-digit Zareea ID
• check_circlePayment amount
• check_circlePayment description

Before sending the request, the merchant may verify the customer's displayed name.

The merchant then selects: Request Payment

The payment request is sent to the intended customer's Zareea account.

The merchant does not need to know which bank or wallet the customer intends to use. The customer chooses the participating financial account.

A customer may receive a payment request containing information such as:

• check_circleMerchant name
• check_circleMerchant information
• check_circleAmount
• check_circleDescription
• check_circleDate
• check_circleTime

Customers should carefully review this information before proceeding.

You may: Reject or Proceed

Rejecting a request does not authorize the payment.

If you do not recognize a payment request, you should reject it and report suspicious activity where appropriate.

When you choose to proceed with a payment request, Zareea may display the participating financial accounts connected to your account.

You choose the participating account you want to use.

Your selection determines which connected financial institution is used for the payment process.

After selecting a participating financial account, you may be directed to the applicable financial institution's secure authentication or payment environment.

The financial institution remains responsible for authenticating and authorizing the payment.

Depending on the institution, authentication may involve:

• check_circlePIN
• check_circleOTP
• check_circleBiometric authentication
• check_circlePassword
• check_circleOther approved authentication methods

The exact authentication process depends on the applicable financial institution and its security requirements.

Zareea does not require customers to provide their bank PIN or OTP to merchants.

Where authentication is required, customers should complete it through the appropriate financial institution's secure environment.

If someone asks you for these details while claiming to represent Zareea, treat the request as suspicious and contact Zareea through an official channel.

After the customer completes the required authentication and authorization, the applicable financial institution and payment infrastructure process the transaction.

Zareea provides the connectivity and payment experience required to communicate the relevant payment request and status.

The applicable financial institution remains responsible for the customer's account authentication and payment authorization.

Once the applicable payment status is received, Zareea may display a payment confirmation.

The merchant may also receive the applicable payment confirmation.

A payment may have different statuses.

Successful — The applicable financial institution or payment infrastructure has confirmed the payment.

Pending — The final payment status has not yet been received.

Failed — The payment could not be completed. Where supported, you may be able to retry the payment or select another participating account.

Cancelled — The payment request was rejected or cancelled.

The exact status and available actions may depend on the applicable financial institution and payment infrastructure.

Zareea may provide customers with transaction history to help them review their payment activity.

Transaction information may include:

• check_circleMerchant name
• check_circleMerchant information
• check_circleAmount
• check_circleDate
• check_circleTime
• check_circleTransaction ID
• check_circlePayment status
• check_circleParticipating account used, where appropriate

Transaction history is intended to provide a clear record of your Zareea payment activity.

After a successful transaction, Zareea may provide a digital receipt.

A receipt may contain:

• check_circleMerchant name
• check_circleMerchant information
• check_circleAmount
• check_circleTransaction ID
• check_circleDate
• check_circleTime
• check_circlePayment status

Where available, customers may be able to view, download, or share their receipts.

A Zareea receipt is a record of the Zareea payment experience and does not necessarily replace the official transaction record maintained by the applicable financial institution.

Zareea's security approach is based on separating responsibilities between the participants involved in a payment.

This separation helps keep sensitive financial authentication within the appropriate financial institution environment.

Your financial credentials are private.

Do not share your:

• closeBank PIN
• closeWallet PIN
• closeOTP
• closePassword
• closeAuthentication code
• closeCard security information
• closeOther confidential financial credentials

with merchants, Zareea users, or anyone claiming to assist with a payment.

Zareea does not need your bank PIN or OTP to create a payment request.

Zareea is designed to reduce unnecessary exposure of sensitive financial information during everyday payments.

A merchant can use your 6-digit Zareea ID to initiate a payment request without needing to know:

• check_circleYour bank account number
• check_circleYour wallet credentials
• check_circleYour PIN
• check_circleYour OTP
• check_circleYour financial-institution password

The customer chooses the participating financial account after receiving the request.

Zareea may collect and process information necessary to provide, secure, maintain, and improve its Services.

Information is handled according to Zareea's applicable Privacy Policy and relevant legal and regulatory requirements.

You are responsible for protecting access to your Zareea account.

We recommend that you:

• check_circleUse strong account credentials.
• check_circleNever share your password.
• check_circleNever share authentication codes.
• check_circleKeep your phone secure.
• check_circleUse a device lock.
• check_circleKeep your software updated.
• check_circleAvoid using untrusted devices.
• check_circleReview every payment request carefully.
• check_circleReport suspicious activity promptly.

Zareea may use technical and operational controls to detect, prevent, and investigate fraudulent or suspicious activity.

These controls may include:

• check_circleAccount verification
• check_circleTransaction monitoring
• check_circleSuspicious-activity detection
• check_circleRate limiting
• check_circleAccess controls
• check_circleSecurity logging
• check_circleDevice and session controls
• check_circlePayment-request monitoring
• check_circleAbuse prevention
• check_circleAdditional verification

Security measures may be updated as necessary to address emerging threats and protect the Zareea ecosystem.

If you receive a payment request that you do not recognize:

Do not proceed.

Check:

• check_circleMerchant name
• check_circleAmount
• check_circleDescription
• check_circleDate
• check_circleTime

If the request remains unfamiliar, reject it.

If you believe the request is fraudulent or suspicious, report it through Zareea's official support channel.

If you believe a payment was made without your authorization, contact Zareea as soon as possible.

You should also contact the relevant bank, wallet, or financial institution where appropriate.

Because payment authentication and authorization may be handled by the participating financial institution, investigation and resolution may involve both Zareea and the applicable institution.

Merchants using Zareea must:

• check_circleProvide accurate business information.
• check_circleEnter the correct 6-digit Zareea ID.
• check_circleVerify the displayed customer name before sending a request.
• check_circleEnter the correct payment amount.
• check_circleProvide an accurate payment description.
• check_circleUse Zareea only for legitimate transactions.
• check_circleProtect merchant account credentials.
• check_circleProtect merchant devices.
• check_circleProtect customer information.
• check_circleNever request customer PINs or OTPs.
• check_circleNever attempt to obtain customer financial credentials.
• check_circleComply with applicable laws and regulations.

Customers are responsible for:

• check_circleProviding accurate account information.
• check_circleProtecting their Zareea account.
• check_circleProtecting their 6-digit Zareea ID.
• check_circleReviewing payment requests.
• check_circleVerifying merchant information.
• check_circleVerifying payment amounts.
• check_circleSelecting the intended financial account.
• check_circleCompleting authentication through the appropriate financial institution.
• check_circleProtecting PINs and OTPs.
• check_circleReporting suspicious activity.
• check_circleRejecting payment requests they do not recognize.

Zareea may connect with participating:

• check_circleBanks
• check_circleDigital wallets
• check_circleFinancial institutions
• check_circlePayment service providers
• check_circleOther applicable financial services

Each participating institution may have its own:

• check_circleTerms and conditions
• check_circlePrivacy policy
• check_circleFees
• check_circleTransaction limits
• check_circleAuthentication requirements
• check_circleSecurity procedures
• check_circleAvailability
• check_circleCustomer-support processes

When using a participating financial institution through Zareea, the institution's applicable terms and requirements may also apply.

Zareea may rely on third-party services and infrastructure necessary to provide its Services.

These may include:

• check_circleFinancial institutions
• check_circlePayment infrastructure providers
• check_circleTechnology providers
• check_circleHosting providers
• check_circleTelecommunications providers
• check_circleSecurity services
• check_circleIdentity and verification services

Zareea works to maintain appropriate controls around services used to operate the platform.

However, services provided by third parties may be subject to their own availability, security, terms, and operational requirements.

Zareea aims to provide a reliable and accessible payment experience.

However, uninterrupted availability cannot be guaranteed.

Services may be temporarily unavailable because of:

• check_circleMaintenance
• check_circleTechnical failures
• check_circleInternet connectivity
• check_circleFinancial-institution downtime
• check_circlePayment infrastructure issues
• check_circleThird-party service interruptions
• check_circleSecurity measures
• check_circleRegulatory requirements
• check_circleEvents beyond reasonable control

A payment request being created does not guarantee that the underlying payment will successfully complete.

Zareea may implement technical, administrative, and operational measures designed to protect its platform and users.

These measures may include:

• check_circleEncryption in transit
• check_circleEncryption at rest
• check_circleSecure authentication
• check_circleAccess controls
• check_circleRole-based permissions
• check_circleSecurity monitoring
• check_circleSecurity logging
• check_circleFraud detection
• check_circleVulnerability management
• check_circleSecure API communication
• check_circleBackup and recovery procedures

Security measures may be continuously improved as the platform and threat environment evolve.

Zareea aims to limit the exposure of sensitive financial information within the payment experience.

The payment experience focuses on information necessary to:

• check_circleIdentify the customer
• check_circleCreate a payment request
• check_circleReview the transaction
• check_circleSelect a financial account
• check_circleComplete the payment
• check_circleConfirm the transaction

Sensitive financial authentication remains within the appropriate financial institution's authentication process.

Security is a shared responsibility.

Zareea — Protects its platform, systems, and payment experience.

Customers — Protect their accounts, devices, credentials, and payment decisions.

Merchants — Protect their accounts, devices, payment requests, and business information.

Financial Institutions — Protect customer accounts and handle applicable authentication and authorization.

Payment Infrastructure — Handles applicable transaction-processing functions.

Every participant plays an important role in keeping payments secure.

If you discover a potential security vulnerability, suspicious activity, unauthorized account access, or another security issue involving Zareea, please report it through the official Zareea security channel.

Security Email: security@zareea.com

When reporting a security issue, provide enough information to help us understand and investigate the matter.

Please do not publicly disclose an unresolved security vulnerability before Zareea has had a reasonable opportunity to investigate and address it.

You may not use Zareea to:

• closeCommit fraud.
• closeImpersonate another person or business.
• closeProvide false information.
• closeCreate fraudulent payment requests.
• closeAttempt unauthorized access to another account.
• closeAttempt to obtain another person's financial credentials.
• closeCircumvent security controls.
• closeInterfere with Zareea systems.
• closeIntroduce malicious software.
• closeAttack or overload Zareea infrastructure.
• closeReverse engineer restricted components.
• closeConduct unlawful transactions.
• closeAbuse payment-request functionality.
• closeUse Zareea for activities prohibited by applicable law.

Zareea may restrict, suspend, or terminate activity associated with suspected fraud, abuse, security violations, or unlawful activity.

The Zareea name, logo, brand identity, website, application, interface, software, graphics, designs, content, and related materials are owned by or licensed to Zareea unless otherwise stated.

You may not reproduce, copy, modify, distribute, sell, or commercially exploit Zareea intellectual property without appropriate authorization.

Zareea may suspend, restrict, or terminate access to an account or Service where reasonably necessary, including when:

• check_circleThese Terms are violated.
• check_circleFraud or abuse is suspected.
• check_circleSecurity risks are identified.
• check_circleRequired verification cannot be completed.
• check_circleApplicable legal or regulatory requirements require action.
• check_circleContinued access creates a material risk to customers, merchants, or the platform.

Where appropriate and legally permitted, Zareea may provide notice regarding account restrictions or termination.

Zareea may update, modify, add, suspend, or discontinue features or Services from time to time.

Changes may be necessary because of:

• check_circleTechnology
• check_circleSecurity
• check_circleFinancial-institution integrations
• check_circlePayment infrastructure
• check_circleRegulatory requirements
• check_circleCustomer needs
• check_circleOperational requirements

Where a change materially affects your use of Zareea, appropriate notice may be provided where required.

Zareea may update these Terms & Security provisions from time to time.

The latest version will be made available through the Zareea website or application.

Where material changes are made, Zareea may provide appropriate notice as required by applicable law.

Your continued use of Zareea after updated terms become effective may constitute acceptance of the revised terms, subject to applicable law.

Zareea operates within the applicable legal and regulatory framework governing its Services.

The availability and operation of particular payment services may depend on:

• check_circleApplicable laws
• check_circleRegulatory requirements
• check_circleRequired approvals
• check_circleLicensing requirements
• check_circleFinancial-institution arrangements
• check_circleCommercial agreements
• check_circleTechnical integrations
• check_circlePayment infrastructure

Nothing on this website should be interpreted as representing that Zareea is itself a bank, deposit-taking institution, or financial institution unless expressly stated otherwise.

These Terms & Security provisions shall be interpreted in accordance with the applicable laws of Pakistan.

Any applicable dispute-resolution, jurisdiction, arbitration, or related legal provisions may be specified in the relevant agreements governing your use of Zareea.

Nothing in these terms limits any rights or protections that cannot lawfully be excluded under applicable law.

Zareea provides the payment experience and connectivity layer connecting customers, merchants, financial institutions, and applicable payment infrastructure.

A payment may depend on systems and organizations outside Zareea's direct control, including:

• check_circleParticipating financial institutions
• check_circlePayment infrastructure
• check_circleInternet service providers
• check_circleTelecommunications networks
• check_circleThird-party technology providers

Zareea therefore cannot guarantee that every payment request will result in a successful transaction.

Nothing in these Terms is intended to exclude or limit any responsibility that cannot legally be excluded or limited.

Zareea takes security seriously and implements appropriate safeguards designed to protect the platform and its users.

However, no website, application, network, device, or digital payment system can guarantee absolute security.

Customers and merchants should remain vigilant and follow recommended security practices.

If you notice suspicious activity, report it promptly.

For questions about these Terms & Security provisions, your account, payment requests, transactions, or security, please contact Zareea through our official channels.

Zareea is built around a simple principle:

Your Zareea ID identifies you. Your approval starts the payment. Your financial institution authenticates and authorizes it. The applicable payment infrastructure processes it. Zareea brings the experience together.