Pakistan Single Window seeks a pre-funded wallet for trade payments

Pakistan Single Window seeks a pre-funded wallet for trade payments

1 November 2026: Pakistan Single Window has opened a tender for a bank or fintech to provide a pre-funded digital wallet that importers and exporters would use to pay customs duties, taxes and other trade charges through its Unified Payment System. Bids close on 16 November at 12:00 and are opened half an hour later.

Not yet independently verified. We have read the tender listing on PSW's own site but not the tender document behind it, so eligibility rules, the evaluation method and a go-live date are not known to us. How the wallet would work comes from ProPakistani and TechJuice, not from PSW. We will update this when it can be confirmed, and remove this note.

The notice, PSW/PROC/26-27/DM-673 (P169965), went up on PSW's tenders page on 1 November under the title "Provision and Integration of a Pre-Funded Digital Wallet with Pakistan Single Window's Unified Payment System".

The bidding calendar

PSW lists four dates for the procurement, with no extensions recorded so far:

• pre-bid meeting: 5 November at 11:30, held online;
• last day for clarification requests: 8 November;
• bid submission: 16 November at 12:00;
• bid opening: 16 November at 12:30.

The tender is an e-tender, so bidders work through PSW's procurement process rather than a paper submission. Firms that want to ask questions about the scope have three days after the pre-bid session to put them in writing.

How the wallet would sit beside today's payment routes

Trade payments inside the PSW system run today through pre-deposit (PD) accounts and through bank and payment-gateway channels. According to ProPakistani's account of the plan, the wallet is an extra option rather than a replacement: existing PD accounts are not migrated, and PSW can add further payment providers later.

The provider, not PSW, would hold the money. ProPakistani reports that the selected bank or fintech would run custody, balances, top-ups, withdrawals, refunds, reversals and settlement, along with customer due diligence and anti-money-laundering checks, under a structure the State Bank of Pakistan permits. PSW would not hold, intermediate or settle funds itself.

Traders would top the wallet up by interbank transfer (IBFT), Raast, banking apps and portals, or over-the-counter deposits, and could withdraw remotely. Payments would settle against the payment advice generated across the PSW estate: the PSW platform itself, the Maritime Single Window, the Port Community System, the Air Community System and the customs clearance system.

Who should be reading the tender

The notice matters to two groups. Banks, electronic money institutions and payment fintechs licensed by the State Bank are the likely bidders, and the integration work with PSW's payment system would fall on whoever wins. Customs agents, freight forwarders and the finance teams of importers would be the users, and a wallet that settles against PSW payment advice could shorten the step between a goods declaration and the duty payment that releases the cargo.

PSW has not said when the wallet would go live or how many providers it expects to appoint.

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Sources

• Pakistan Single Window: tenders, PSW/PROC/26-27/DM-673 (P169965), 1 November 2026
• ProPakistani: Importers and exporters could soon pay customs duties through digital wallets, 2 November 2026
• TechJuice: Pakistan announces new digital wallet for traders, 2 November 2026