Cross-border payments look simple to the shopper, but under the hood there are multiple parties, currency conversions, and compliance checks involved. Understanding the flow helps you set realistic timelines and pricing for your UK sales.
The journey of a single payment
When a UK customer pays in GBP, the funds move through the card network, an acquirer, a settlement partner, and finally into your Pakistani bank account in PKR. Each hop takes a small fee and adds a small delay.
Currency conversion
PakiCheckout converts GBP to PKR at the interbank rate plus a small margin, quoted transparently in your dashboard before settlement. You never see hidden FX spreads or surprise adjustments.
Settlement timing
On the Starter plan, funds land in your bank in 5-7 business days. Growth customers get 2-3 day settlement, and Enterprise customers can request same-day. Weekend and UK bank holidays extend the timing by a day or two.
Compliance and taxes
We handle KYC, AML, and card-network compliance for you. VAT and duties are the customer’s responsibility if applicable, but we can display estimated taxes at checkout on request.
