Pakistani freelancers on NayaPay can now request a 9186 PRC on eligible Elevate Pay Salary Transfers.
That means you can request a PRC certificate: official proof of your USD income. It's exactly what PSEB asks for at registration and renewal, and it keeps your tax filing under the correct purpose code.
What changed
With Elevate Pay and NayaPay, you can now request a 9186 PRC on the USD you receive. When you transfer USD into your NayaPay account through the Elevate Pay Salary Transfer flow, that transaction becomes eligible for a 9186 PRC, and NayaPay issues it through its partner banks.
So you're not left guessing which purpose code is issued to your transfers, or chasing anyone to fix it afterward. You send the Salary Transfer through Elevate Pay, it lands in NayaPay, and you request your PRC from NayaPay by email.
Why the 9186 code matters
A PRC certificate, short for Proceeds Realization Certificate, is the document that confirms your foreign earnings actually reached Pakistan through a legitimate banking channel. It also carries a State Bank purpose code showing what kind of income it was.
For IT and IT-enabled services, which covers most freelance and remote work, that code is 9186.
Getting it right matters, because the 9186 PRC is what you lean on for:
PSEB registration and renewal
FBR tax filing
Proof of foreign income
The lower tax rate that IT and freelance exports qualify for
If you're going through PSEB freelancer registration, or renewing it, a 9186 PRC is part of the documentation the board expects.
And the gap is real money. PSEB-registered freelancers can see a final withholding tax as low as 0.25%. Without PSEB registration, the standard final tax sits at 1%. A PRC stamped with the wrong purpose code can quietly undo all of that, making your filing messier and, in some cases, leaving you paying more tax than you actually owe.
We cover the details in our full guide to PRC for freelancers in Pakistan.
What this means if you're on NayaPay
Transfer USD through the Elevate Pay Salary Transfer flow into your NayaPay account, and NayaPay can issue a 9186 PRC for that transaction through its partner banks. Once the money lands, request the certificate by emailing prc@nayapay.com.
Hold onto these PRCs. Any time you need to show where your income came from, whether to PSEB, FBR, or a bank, that's the paper trail that does it.
How to get your 9186 PRC with NayaPay
Three steps.
Step 1: Send it through Salary Transfer
Open the Elevate Pay app, choose Salary Transfer, and send your USD to your NayaPay account.
This part isn't optional. The 9186 PRC only exists for transfers sent through Salary Transfer. The Home Remittance flow doesn't qualify, and a transfer sent that way can't be reclassified as 9186 later.
Step 2: Request the PRC from NayaPay
Once the transfer shows up in your NayaPay account, email prc@nayapay.com with the transaction details:
Amount
Transaction date
Remitting entity
Transaction ID
NayaPay IBAN
The more accurate these are, the faster NayaPay can turn the certificate around.
Step 3: Save it
NayaPay issues the PRC through its partner bank. When it arrives, download the PDF and keep it somewhere you won't lose it. You'll want it on hand for PSEB registration and renewal, FBR filing, and your annual return.
Earn in USD, keep the proof
You did the hard part: winning international clients and getting paid in USD. The paperwork around it should be the simple part, and through Elevate Pay and NayaPay it is. Send via Salary Transfer, email NayaPay for your 9186 PRC, and your records are in order.
Banking somewhere else? Here's how the 9186 PRC works for Bank Alfalah transfers, and our complete PRC status page tracks where things stand across every supported bank.
Frequently asked questions
What is a PRC certificate?
A PRC, or Proceeds Realization Certificate, is a bank-issued document that confirms your foreign earnings reached Pakistan through a legitimate banking channel. It records the amount, the date, and a State Bank of Pakistan purpose code identifying the type of income.
What does PRC stand for?
PRC stands for Proceeds Realization Certificate. In Pakistan's banking system, it's the certificate a bank issues to prove that an inward foreign remittance was received and converted through official channels.
What does purpose code 9186 mean?
9186 is the State Bank of Pakistan purpose code for IT and IT-enabled service exports, the category most freelance and remote work falls under. A PRC carrying code 9186 marks your income as IT and freelance export earnings.
How do I get a 9186 PRC certificate in Pakistan?
Receive your USD into NayaPay through the Elevate Pay Salary Transfer flow.
Once it lands, email prc@nayapay.com with your transaction details (amount, date, remitting entity, transaction ID, and NayaPay IBAN).
NayaPay issues the 9186 PRC through its partner banks. Save the PDF for PSEB and FBR.
Can I get a PRC with NayaPay?
Yes. When you receive USD into NayaPay through the Elevate Pay Salary Transfer flow, NayaPay can issue a 9186 PRC for that transaction through its partner banks. Email prc@nayapay.com to request it.
Do I need PSEB registration to get a 9186 PRC?
No. NayaPay issues the PRC through its partner bank. But if you are PSEB-registered, a 9186 PRC is the proof that qualifies you for the lower 0.25% final tax rate, and it supports your PSEB registration or renewal.
Why doesn't the Home Remittance flow qualify?
The 9186 purpose code is for IT and freelance service exports, which is what the Salary Transfer flow records. Home Remittance is classified differently, and a transfer sent that way can't be reclassified as 9186 afterward.
Start receiving your USD earnings with Elevate Pay
Sign up for Elevate Pay today to get paid in USD by clients abroad, bring the money home to Pakistan, and keep every payment documented the way FBR and PSEB expect.
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