Please share today updated rates
The forex rates are subject to change based on market forces and foreign currency demands, although they are updated at 10:00 AM on Pakistan Standard Time (PST).
Currency
Unit
Buying
Selling
US Dollar
USD
279.3
280.5
Euro
EUR
301.6
303.65
UK Pound Sterling
GBP
357.8
357.35
U.A.E Dirham
AED
75.65
76.35
Saudi Riyal
SAR
73.8
74.54
Australian Dollar
AUD
184.85
186.35
Bahrain Dinar
BHD
741
749
Canadian Dollar
CAD
203
205
China Yuan
CNY
38.29
38.69
Danish Krone
DKK
40.03
40.43
Hong Kong Dollar
HKD
35.63
35.98
Indian Rupee
IND
3.34
3.44
Japanese Yen
JPY
1.9
1.98
Kuwaiti Dinar
KWD
907.71
916.71
Malaysian Ringgit
MYR
58.99
59.59
New Zealand Dollar
NZD
169.34
171.34
Norwegians Krone
NOK
26.14
26.44
Omani Riyal
OMR
722.87
730.89
Qatari Riyal
QAR
76.14
77.14
Singapore Dollar
SGD
202
204
Swedish Korona
SEK
26.27
26.57
Swiss Franc
CHF
309.01
311.51
Thai Bhat
THB
7.55
7.7
What Is the Gaza Peace Agreement? can any one explain?
What Is the Gaza Peace Agreement?
The Gaza Peace Agreement is a broad term used to describe proposed or negotiated frameworks aimed at ending hostilities between Israel and Palestinian groups in Gaza, particularly Hamas, while addressing humanitarian, political, and security concerns in the region.
Rather than one single finalized treaty, the term often refers to ceasefire agreements, mediation efforts, and long-term peace proposals facilitated by international actors such as Egypt, Qatar, the United Nations, and other global stakeholders.
Core Objectives
Immediate and sustained ceasefire
Protection of civilians and humanitarian access
Release of hostages and detainees
Reconstruction of Gaza’s infrastructure
Long-term political dialogue toward a two-state or alternative peaceful solution
Key Elements Commonly Discussed in Gaza Peace Frameworks
1. Ceasefire & De-escalation
Halt to airstrikes, rocket fire, and ground operations
Monitoring by international or regional observers
2. Humanitarian Aid Access
Unrestricted entry of food, medicine, fuel, and medical teams
Restoration of water, electricity, and healthcare systems
3. Prisoners & Hostages Exchange
Negotiated release of Israeli hostages
Release of Palestinian prisoners, especially women and minors
4. Governance & Security
Role of Hamas, Palestinian Authority, or interim international administration
Security guarantees for both Israelis and Palestinians
5. Reconstruction & Economic Recovery
International funding for rebuilding homes, schools, and hospitals
Job creation and easing of economic blockade
Community Debate: Voices From Different Perspectives
🔴 Perspective 1: Pro-Peace & Humanitarian First
Argument:
Civilian lives must come before politics
Gaza needs immediate relief, not prolonged war
Peace agreements can be stepping stones to justice
Discussion Points:
Can peace exist without ending occupation?
Should humanitarian aid be unconditional?
🔵 Perspective 2: Security & Sovereignty Focus
Argument:
Any agreement must ensure long-term security
Armed groups should be disarmed
Past ceasefires have failed due to violations
Discussion Points:
Who guarantees compliance?
Is security possible without political resolution?
🟢 Perspective 3: Justice, Rights & Accountability
Argument:
Peace without accountability is temporary
War crimes and human rights violations must be addressed
Palestinians deserve self-determination
Discussion Points:
Should international courts be involved?
Can peace be achieved without justice?
🟣 Perspective 4: Skeptical / Status-Quo View
Argument:
Agreements are symbolic and short-lived
Power imbalance makes fair peace impossible
International community applies double standards
Discussion Points:
Are peace talks realistic under current conditions?
What alternatives exist?
Community Debate Questions (For Comments & Forums)
Do you believe a Gaza peace agreement is possible in the near future?
Should ceasefire come before political settlement, or vice versa?
Who should govern Gaza after the conflict?
What role should Muslim countries and the UN play?
Can economic development bring lasting peace?
Join the Discussion on community.secnto.com
This topic affects humanity, justice, and global stability. We invite respectful debate, diverse opinions, and fact-based discussion.
Community Guidelines:
No hate speech or personal attacks
Respect different viewpoints
Support claims with facts when possible
Keep discussions constructive
Your voice matters. Let’s talk peace, justice, and reality.
Jon Hamm, best known for his iconic role as Don Draper in Mad Men, is making headlines again for multiple reasons. From interviews to upcoming projects, here’s everything fans need to know.
Vote now and join the discussion!
Which role of Jon Hamm is your all-time favorite?
Do you prefer him in comedy or drama?
How do you feel about actors revisiting old co-star pairings?
A massive winter storm system is sweeping across the United States right now — from the Southern Plains to the Northeast and New England — bringing snow, ice, and dangerously cold temperatures that could impact life, travel, and infrastructure through the weekend into early next week. 
Forecasters warn this could be one of the broadest and most disruptive winter weather events of the season, affecting well over 200 million people across dozens of states.
A: This is a general decline issued by your card-issuing bank. While the system doesn’t provide a specific reason for security purposes, it usually indicates one of the following:
Incorrect Card Details: A small typo in the CVV (the 3 digits on the back) or the expiration date.
Billing Address Mismatch: The zip code entered does not match the one on file with your bank.
Bank Security Filter: Your bank may have flagged the $12.85 charge as “unusual activity” or a “duplicate charge” if you attempted it multiple times.
Insufficient Funds: The account may not have enough balance to cover the transaction at this moment.
How to Maximize Your Daraz Profit in 2025: Smart Selling, Sale Strategy & Daraz Profit Calculator Guide
Daraz has become Pakistan’s largest e-commerce marketplace, with millions of monthly visitors and thousands of active sellers competing for attention. From mega-events like 11.11, Black Friday, Ramzan Sales, Azadi Sales, and Year-End Mega Sales, sellers see huge traffic spikes—but not every sale means profit.
Many sellers dramatically reduce prices to win customers, ignoring hidden fees, commissions, logistics costs, and taxes. In the end, they celebrate high sales volume but discover they barely earned anything—or even operated at a loss.
To fix this, every Daraz seller needs a tool that calculates true profit after all deductions.
Introducing the Daraz Profit Calculator by Cyberian.pk —
👉 Profit Calculator
This tool is now becoming a must-use for anyone selling on Daraz.
This article will guide you through:
• How Daraz sales actually work
• Hidden costs most sellers ignore
• Why sellers lose profit during big sales
• How to use the Daraz Profit Calculator
• Best pricing and discount strategy for 2025
• Smart seller tips to stay profitable every month
⸻
Understanding Daraz Sales: What Sellers Must Know
Daraz is designed to attract buyers through:
• Mega campaigns
• Flash deals
• Price drops
• Free shipping offers
• Voucher stacking
• Coins redemption
• Seller-funded and Daraz-funded discounts
These features boost visibility but affect your profit margin if not planned properly.
Here are the main fees that affect your earnings:
1. Daraz Commission (category-based)
2. Payment Fee
3. Shipping Fee (partially or fully paid by seller depending on policy)
4. Packaging cost
5. Warehouse/fulfillment charges (if using FBD)
6. Return/Dispute costs
7. Vouchers & coins (often shared cost)
8. Provincial service tax
Many sellers only subtract product cost from selling price, which is wrong.
A correct calculation must include all above deductions.
⸻
Why Sellers Lose Money in Sales Events
❌ Reason #1: Over-discounting without calculation
During events like 11.11, sellers reduce price by 20–40% expecting high volume.
But Daraz also reduces it further with:
• platform vouchers
• coins
• shipping subsidies
You may think you gave 20% off, but buyers may get 35–40% off—your profit drops drastically.
❌ Reason #2: Ignoring commission variation
Electronics, fashion, beauty, accessories — each category has different commission.
A 10% miscalculation can turn profit into loss.
❌ Reason #3: Shipping charges mismanagement
If you offer free shipping, that cost comes out of your pocket.
❌ Reason #4: Not calculating tax
Provincial sales tax can be 5–13%.
Sellers who forget this tax often get shocked when payout arrives.
❌ Reason #5: Blind trust in seller center payout
Seller center only shows final payout after the order, not before.
You need a tool to forecast profit before the sale happens — not after.
⸻
The Solution: Daraz Profit Calculator (Cyberian.pk)
👉 Profit Calculator
This free tool lets you enter your selling details and instantly calculate:
• Net profit
• Profit margin %
• All fees deducted
• Category-based commission
• Shipping and tax impact
• Final earnings after discounts
It is the most accurate profit analyzer for Pakistani sellers in 2025.
⸻
How to Use the Daraz Profit Calculator
Go to:
👉 Profit Calculator
Enter the following inputs:
(1) Selling Price (PKR)
The price at which you’re offering the product on Daraz.
(2) Product Cost (PKR)
Your procurement cost from wholesale/market/supplier.
(3) Packaging Cost
Poly bags, bubble wrap, tape, cardboard box, etc.
(4) Logistics/Shipping Cost
If seller pays shipping or uses custom delivery.
(5) Category of Product
Commission changes category to category — the calculator uses updated values.
(6) Customer Shipping Fee
If customer pays shipping, add that here.
(7) Voucher/Discount Sharing
You can include how much discount YOU are giving vs Daraz is giving.
(8) Provincial Tax
Enter applicable tax if required.
After entering data, the calculator shows:
• Your total expenses
• Daraz deductions
• Your final net profit
• Profit margin % (very important for pricing strategy)
This helps you decide:
✔ Should you participate in a sale?
✔ Is this price profitable?
✔ How much discount can you afford?
✔ Should you offer free shipping or not?
✔ What is your safe selling price?
⸻
Example Calculation (Simple Example)
• Product cost: Rs. 800
• Selling price: Rs. 1,200
• Packaging: Rs. 30
• Shipping paid by seller: Rs. 120
• Commission: 10%
If you calculate manually, you might think:
1,200 – 800 = 400 profit
But after adding:
• Commission: -120
• Payment fee
• Return risk
• Packaging: -30
• Shipping: -120
Your real profit may become:
👉 Rs. 110 only
This is why every seller must calculate profit before listing a product.
⸻
Smart Pricing Strategy for Daraz Sellers in 2025
To stay profitable, follow these rules:
✔ Rule 1: Never price without calculation
Use the calculator every time to estimate profit.
✔ Rule 2: Keep at least 15–25% profit margin
Anything below 10% is risky due to returns.
✔ Rule 3: Don’t join every sale event
Join only if discount is manageable.
✔ Rule 4: Charge buyer shipping where possible
Buyers don’t mind paying Rs. 99 if product quality is good.
✔ Rule 5: Use smart bundle offers
Bundles increase order value without high commission.
✔ Rule 6: Avoid extremely cheap products
Under Rs. 300 items rarely generate real profit.
✔ Rule 7: Keep 2 versions of price
• Normal price
• Sale price
Calculate both.
⸻
Advanced Tips for Experienced Sellers
Here are strategies professional Daraz sellers use:
⭐ Focus on high-demand, low-return categories
Examples: Home items, mobile accessories, kitchen utilities.
⭐ Use paid traffic only on profitable items
Don’t boost low-margin products.
⭐ Maintain price stability
Frequent price changes hurt listing ranking.
⭐ Track your profits weekly
Use the calculator to adjust prices as commission or policies change.
⸻
Why Cyberian.pk’s Profit Calculator is Growing Fast
Because it gives:
• Accurate commission calculation
• Updated Daraz fee structure
• Simple interface
• Fast calculation
• No signup required
• Mobile-friendly
• Completely free
Sellers using this tool make 40–60% better pricing decisions compared to sellers relying on guesswork.
⸻
Conclusion: The Smart Seller Wins — Not the Low-Price Seller
Daraz is a competitive marketplace.
Those who calculate profit smartly + price strategically will win.
Those who blindly cut prices will lose—even with high sales volume.
Before you list ANY product or join ANY sale event, run your numbers through:
👉 Profit Calculator
This tool will protect your profit and guide you toward long-term, sustainable success on Daraz.
ساری دنیا کی ایجنسیاں اسوقت اطلاع دے رہی ہیں کہ
اگلے چوبیس گھنٹوں میں ایران پر حملہ کنفرم ہے قطر کی بیس خالی کروالی گئی ہے باقی اب اس خطے میں اس جنگ کو کیسے ختم کرنا ہے یہ ان 👇لیڈرز پر منحصر ہے باقی اگر یہ مل کر ایرانی رجیم کو نا بچا سکے تو کوئ شک نہیں اگلی باری ان کی ہے
[image: Untitled-1200-x-800-px.png]
How to Get TikTok Followers for Free
Growing your TikTok following is a great way to increase your online presence, build brand awareness, or just have fun creating content that reaches a wider audience. While some people turn to paid options, there are plenty of free methods to gain followers organically. Here are some effective strategies to help you get TikTok followers for free:
1. Create Engaging and High-Quality Content
The key to gaining followers on TikTok is producing content that resonates with your audience. This means using high-quality visuals, relatable themes, and being creative. Whether you’re showing off dance moves, sharing informative tips, or creating funny sketches, make sure your content is engaging.
TikTok Introduces ‘Delete and Re-Edit’ Feature for Uploaded Videos
Use trending music and sounds: One of the easiest ways to get discovered on TikTok is by using popular music or sounds. You can find these trends on the “Discover” page or by checking what’s trending in your niche.
Be unique: Try to add your own twist to popular trends. This will make you stand out from the crowd and attract more followers.
2. Post Consistently
Consistency is key when it comes to growing your TikTok following. Posting regularly keeps your content fresh and increases your chances of being seen by more users. TikTok’s algorithm rewards users who post frequently, so aim to upload new videos at least 1-3 times a day.
Know your audience’s active time: You can experiment with posting at different times to see when your videos receive the most engagement. Once you identify your audience’s active time, try to post during those periods.
3. Leverage TikTok Trends and Hashtags
Trends and hashtags are a huge part of TikTok. Jumping on viral trends can increase your chances of getting more visibility. Similarly, using the right hashtags can put your video in front of people searching for content in your niche.
Participate in challenges: TikTok challenges are a great way to get involved in trends. By joining popular challenges, you increase your chances of getting more views and followers.
Use relevant hashtags: Make sure to use hashtags related to your content. Some people recommend adding trending hashtags like #fyp (For You Page), but always mix these with niche-specific tags for more targeted visibility.
4. Collaborate with Other Creators
Collaborating with other TikTok creators can expose your account to a whole new audience. This is a win-win for both parties, as you’re both able to gain followers from each other’s audiences.
Duet videos: Duet videos allow you to engage with other creators’ content and possibly capture the attention of their followers.
Shoutouts or cross-promotions: You can collaborate with similar-sized creators for shoutouts or engage with other platforms where both of you cross-promote your accounts.
5. Engage with Your Audience
Interacting with your audience is crucial to maintaining and growing your follower base. Respond to comments, follow back, and engage with user-generated content. The more interaction you have, the more likely users will want to follow you.
Reply to comments: A simple “thank you” can go a long way in creating a loyal community. Also, TikTok’s feature of replying to comments with videos can create deeper engagement.
Ask questions in your videos: This is a great way to start conversations with your audience and get them to interact with your content.
6. Optimize Your Profile
Your TikTok profile is your digital identity, so make sure it reflects who you are or the content you create. An optimized profile can turn a visitor into a follower.
Use a clear profile picture: Whether it’s your face or a logo, make sure your profile picture is eye-catching and reflects your content.
Write a compelling bio: A good bio can tell people exactly what they can expect from your content. Use it to highlight your niche, and don’t forget to include a call to action (e.g., “Follow for daily recipes!”).
7. Use Other Social Media Platforms
Cross-promote your TikTok account on other social media platforms like Instagram, Twitter, YouTube, and Facebook. If you already have a following on these platforms, invite them to follow you on TikTok for more exclusive content.
Embed TikTok videos: You can embed TikTok videos in blog posts or on your website to introduce your audience to your content.
Create TikTok teasers: Share clips or teasers of your TikTok videos on Instagram Stories or Twitter to spark interest.
8. Be Patient and Consistent
Growing a TikTok following organically takes time, but consistency and patience are key. As you improve the quality of your content and continue engaging with your audience, your following will grow over time. Avoid shortcuts like bots or fake followers, as they often lead to low engagement and can negatively affect your account in the long run.
Conclusion
While gaining TikTok followers for free takes effort, using the right strategies like creating engaging content, participating in trends, and interacting with your audience can make the process much easier. Stay consistent, be authentic, and you’ll start seeing your follower count grow in no time!
#BanSastayCelebrities: A Wake-Up Call for Pakistani Social Media Influencers
The CM Punjab Parwaz Card 2026 is the latest initiative by Chief Minister Maryam Nawaz Sharif to empower the youth of Punjab. Whether you want to start a business in Pakistan or find a high-paying job abroad, the Parwaz Card provides the financial and technical “launchpad” you need.
Quick Application Summary
Official Portal: parwaz.punjab.gov.pk (or via PSDF/PITB platforms)
Registration Window: January 5, 2026 – January 28, 2026
Eligibility: Punjab Residents only
Loan Amount: Up to PKR 30 Lakh (Interest-Free)
Step-by-Step Application Process
Step 1: Account Creation & Verification
Visit the official portal. Click on “Register” and enter your CNIC and a mobile number registered in your name. You will receive an OTP (One-Time Password) to verify your identity.
Step 2: Choose Your Category
You must select one of the three main tracks:
Interest-Free Business Loan: For startups and existing SMEs.
Overseas Employment Support: Financial aid for visa, travel, and protectorate fees.
Skill Development: Free technical training with international certification.
Step 3: Upload Documents
Prepare scanned copies (JPG or PDF) of the following:
Valid CNIC (Front and Back).
Recent Passport-size photograph.
For Business: NTN Certificate and a basic Business Plan.
For Overseas: Job offer letter (for salary < SAR 5000) and Passport.
Step 4: Submission & Tracking
Review your data and click “Submit.” You will receive a Tracking ID. Keep this safe to check your status via the portal or by calling the helpline at 1786.
PSDF
Parwaaz Card
The parwaaz card provides interest-free loans to help skilled individuals cover pre-departure costs, making overseas employment easier and more accessible.
How to Understanding Daraz Sales & Hidden Costs
Daraz is one of Pakistan’s largest e-commerce marketplaces. Its flash-sales, seasonal promos (like “11.11”, “9.9”, “Black Friday”, etc.) and discount events draw massive buyer attention — but for many sellers, what looks like a sale might erode actual profit margins.
Why? Because beyond the sale price, there are multiple fees and costs involved:
• Commission charges (Daraz keeps a percentage of your sale depending on product category). 
• Payment handling fees, shipping/packaging costs, and occasionally other logistic or promotional contributions. 
• VAT or provincial tax, depending on where the sale happens. 
Many new (or inexperienced) sellers simply list a product at a “sale price” without calculating all these deductions — resulting in thin profits or, worse, losses. A sale number on your listing doesn’t always translate into real profit.
This is where having a profit-calculation tool becomes important.
⸻
How Daraz Profit Calculator Helps You 📈
The Daraz Profit Calculator on Cyberian.pk — available at daraz-profit.cyberian.pk — offers a simple, input-based way to estimate your actual take-home profit. 
What you enter:
• Selling Price (PKR)
• Product Cost (the wholesale / procurement cost) (PKR)
• Packaging Cost (PKR)
• Logistics/Travel Cost (PKR)
• Product Category (to account for varying commission rates) 
• Customer Shipping Fee (if the buyer pays shipping) (PKR)
• Provincial Tax / VAT (if applicable) (PKR) 
• Free-shipping thresholds / vouchers / discounts applied (Daraz Coins discount, co-funded voucher, etc.) 
What the calculator outputs:
• Total fees charged by Daraz + other expenses
• Net Profit (after subtracting all costs)
• Profit Margin (percentage) — helps quickly see if your pricing makes sense. 
Using this, you can pre-evaluate whether a sale price — especially during promotional events — still leaves you with a healthy profit, or whether your cost structure is bleeding you dry.
⸻
Tips for Sellers Using Calculator + Sales Strategy
• Always check “all-in” cost before listing — including procurement cost + shipping + packaging + fees + tax. Don’t rely only on “discounted sale price vs retail price.”
• Compare by category: Commission rates differ by category (fashion, electronics, groceries, etc.). What’s profitable in one may not be in another. 
• Use shipping vs free-shipping smartly: If you offer free shipping, that’s a cost you bear — factor it in. Having buyers pay shipping shifts cost and increases margin.
• Test margin before promotions: Big sales or discounts can attract customers, but if margins are slim — promotion + volume may still hurt you. Use calculator to test “sale + volume” scenarios.
• Plan for tax & fee changes: Platforms may update commission or tax rates. Periodically re-check or re-calculate to stay ahead.
⸻
Why This Matters for Pakistani E-Commerce (and You)
In Pakistan’s e-commerce boom, many startups and small sellers flock to platforms like Daraz. But without tools to monitor real profitability, many get stuck selling at thin margins — or lose money despite high sales volume.
For someone like you (building AI-based delivery service, exploring e-commerce avenues like salt/solar lamps, etc.), integrating such a calculator is crucial. It helps you stay lean, avoid surprises, and price your products for sustainable profit.
⸻
Use It Yourself — Get Started
Check out the calculator here: Daraz Profit Calculator – Cyberian.pk
Before launching any product on Daraz (or listing for a sale), plug in all costs and see if your expected net profit and margin justify the risk or effort.
⸻
“How to Maximize Profit on Daraz While Using Profit Calculator” — covering best practices, common mistakes, and a checklist.
Do you want me to build that for you now?
Join FREE New Marketplace
Prayer times — Islamabad (PKT) — 09 Oct 2025
Note: different fiqh (firqa) choices affect mainly Asr (Sunni Hanafi vs other Sunni schools) and some methods differ for Fajr/Isha. Below are times for the common groups:
Firqah / School
Fajr
Sunrise
Dhuhr
Asr
Maghrib
Isha
Sunni (Shafi / Maliki / Hanbali / default Aladhan method)
04:45
06:08
11:55
15:14
17:42
19:04. 
Sunni (Hanafi — Hanafi juristic Asr)
04:46
06:07
11:56
16:03
17:44
19:06. 
Shia (Jafari)
04:55
06:08
11:55
15:13
17:57
18:45. 
⸻
Monthly table — October 2025 (Islamabad) — Markup-style (Shafi / default method)
(Full month — use in posts or website; times in PKT)
Date
Fajr
Sunrise
Dhuhr
Asr
Maghrib
Isha
01 Oct 2025
04:39
06:02
11:58
15:21
17:52
19:15
02 Oct 2025
04:40
06:03
11:57
15:20
17:51
19:14
03 Oct 2025
04:41
06:04
11:57
15:19
17:50
19:12
04 Oct 2025
04:42
06:04
11:57
15:18
17:48
19:11
05 Oct 2025
04:42
06:05
11:56
15:17
17:47
19:10
06 Oct 2025
04:43
06:06
11:56
15:16
17:46
19:08
07 Oct 2025
04:44
06:07
11:56
15:15
17:44
19:07
08 Oct 2025
04:45
06:07
11:55
15:15
17:43
19:06
09 Oct 2025
04:45
06:08
11:55
15:14
17:42
19:04
10 Oct 2025
04:46
06:09
11:55
15:13
17:40
19:03
11 Oct 2025
04:47
06:10
11:55
15:12
17:39
19:02
12 Oct 2025
04:48
06:10
11:54
15:11
17:38
19:01
13 Oct 2025
04:48
06:11
11:54
15:10
17:37
18:59
14 Oct 2025
04:49
06:12
11:54
15:09
17:35
18:58
15 Oct 2025
04:50
06:13
11:54
15:08
17:34
18:57
16 Oct 2025
04:50
06:13
11:53
15:07
17:33
18:56
17 Oct 2025
04:51
06:14
11:53
15:06
17:32
18:55
18 Oct 2025
04:52
06:15
11:53
15:05
17:31
18:54
19 Oct 2025
04:53
06:16
11:53
15:05
17:29
18:52
20 Oct 2025
04:53
06:17
11:53
15:04
17:28
18:51
21 Oct 2025
04:54
06:17
11:52
15:03
17:27
18:50
22 Oct 2025
04:55
06:18
11:52
15:02
17:26
18:49
23 Oct 2025
04:56
06:19
11:52
15:01
17:25
18:48
24 Oct 2025
04:56
06:20
11:52
15:00
17:24
18:47
25 Oct 2025
04:57
06:21
11:52
14:59
17:23
18:46
26 Oct 2025
04:58
06:22
11:52
14:59
17:22
18:45
27 Oct 2025
04:59
06:22
11:52
14:58
17:21
18:44
28 Oct 2025
04:59
06:23
11:52
14:57
17:20
18:43
29 Oct 2025
05:00
06:24
11:52
14:56
17:19
18:43
30 Oct 2025
05:01
06:25
11:52
14:56
17:18
18:42
31 Oct 2025
05:02
06:26
11:51
14:55
17:17
18:41. 
⸻
Sources / notes
• Monthly & daily times (default / Shafi-style / Aladhan calendar) — Aladhan prayer calendar for Islamabad (October 2025). 
• Hanafi juristic Asr / Hanafi table (IslamicFinder / other providers sometimes show Hanafi Asr later — I used IslamicFinder timings as Hanafi reference). 
• Shia (Jafari) timings check live location base at (Secnto.com Shia and other timetable for you location). 
Q: Why was my transaction declined with Reason Code 2-2 (18390)?
-
A: This is a general decline issued by your card-issuing bank. While the system doesn’t provide a specific reason for security purposes, it usually indicates one of the following:
Incorrect Card Details: A small typo in the CVV (the 3 digits on the back) or the expiration date.
Billing Address Mismatch: The zip code entered does not match the one on file with your bank.
Bank Security Filter: Your bank may have flagged the $12.85 charge as “unusual activity” or a “duplicate charge” if you attempted it multiple times.
Insufficient Funds: The account may not have enough balance to cover the transaction at this moment.
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A: This is a general decline issued by your card-issuing bank. While the system doesn’t provide a specific reason for security purposes, it usually indicates one of the following:
Incorrect Card Details: A small typo in the CVV (the 3 digits on the back) or the expiration date.
Billing Address Mismatch: The zip code entered does not match the one on file with your bank.
Bank Security Filter: Your bank may have flagged the $12.85 charge as “unusual activity” or a “duplicate charge” if you attempted it multiple times.
Insufficient Funds: The account may not have enough balance to cover the transaction at this moment.
@Florencio-Lee said in Q: Why was my transaction declined with Reason Code 2-2 (18390)?:
A: This is a general decline issued by your card-issuing bank. While the system doesn’t provide a specific reason for security purposes, it usually indicates one of the following:
Incorrect Card Details: A small typo in the CVV (the 3 digits on the back) or the expiration date.
Billing Address Mismatch: The zip code entered does not match the one on file with your bank.
Bank Security Filter: Your bank may have flagged the $12.85 charge as “unusual activity” or a “duplicate charge” if you attempted it multiple times.
Insufficient Funds: The account may not have enough balance to cover the transaction at this moment.
How to fix it:
Double-check your info: Re-enter your card number and zip code carefully.
Try a different card: If you have another payment method, try using it to see if the issue is specific to one bank.
Call your bank: Contact the number on the back of your card and ask why the transaction for $12.85 was blocked. They can usually “clear” the block so you can try again.
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