Pilot programme · Pakistan

Your retailers owe you money on a handshake. Put it in writing in three minutes.

Sarifeen lets distributors of cloth, medicines and FMCG document credit sales with verified buyers. The buyer signs by link, with SMS verification. You hold a dated, signed, tamper-evident record of what was supplied and what is owed.

Check a counterparty — free Join the pilot

Supply cut-off protects the customers still buying. Sarifeen protects you from the ones who have stopped.

Every bad debt is one where cutting supply already failed. A signed agreement and counter-signed statements are what you need when the relationship ends.

1. Check the counterparty

Before releasing stock, see whether the company exists on the SECP register, who its directors are, and whether it is on the FBR Active Taxpayer List. Free during the pilot.

Request a check

2. Document the sale

Fill the goods schedule and payment terms. The buyer receives a link, verifies by SMS and signs — no account, no app, about three minutes. Both parties get the signed PDF and audit trail.

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3. Keep the record alive

Periodic statements of account go out for counter-signature. Each one restarts the limitation clock and gives you a current, agreed balance if you ever need to recover.

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Built for Pakistani law

Sale of goods under the Sale of Goods Act 1930 and Contract Act 1872 — no writing formality, so an electronic record is valid.
Electronic signatures under the Electronic Transactions Ordinance 2002.
Tiered dispute clause: notice → mediation → arbitration, so you are never forced into a 1,000-day civil suit first.
No interest clauses. Early-payment discount instead.
Counter-signed statements of account under s.19 Limitation Act 1908.

Who it is for

Distributors and wholesalers who release stock on credit to retailers — textiles, pharmaceuticals, FMCG — and who already invoice and file. If you have twelve months of receivables history we can measure, within 90 days, whether Sarifeen-documented sales default less than your baseline.

Pilot: one textile cluster and one pharma distribution network. Limited places.

Apply for the pilot

Pilot notice: signatures collected through Sarifeen during the pilot are simple electronic signatures under the Electronic Transactions Ordinance 2002, supported by SMS verification and a timestamped audit trail. Sarifeen does not hold funds, run escrow, or give legal advice. Transactions outside the sale of goods — immovable property, powers of attorney, negotiable instruments — cannot be executed on the platform.