Payoneer in Pakistan A Complete Guide In 2023

Payoneer in Pakistan A Complete Guide

Do you recall putting off doing business with a customer because there was no reliable way to transfer funds? Pakistan has little chance of competing in the global freelance economy. Payoneer, PayPal, and other companies have declined to operate in our state.

Then there\’s the present. People in Pakistan who work as freelancers have prospered, earning a total of 500 million rupees in just one year. Because of their online presence, local businesses have expanded their reach beyond boundaries. Several factors are at play, the most important of which is the entry of international payment providers into the Pakistani market.

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Payoneer, Xoom, and other comparable services are now available to the general public. In a globalized society, where borders are irrelevant to cross-cultural commerce among enterprises and professions, cross-border payment systems have grown more important. While PayPal took the lead in this field and met the needs of millions of people worldwide, Pakistan, a rapidly developing Southeast Asian country, was left wondering what to do because PayPal\’s activities were unavailable in the country. Payoneer came to the rescue, as it is accepte in over 200 countries and 150 currencies. This globally accessible network makes sending and receiving money straightforward, flexible, rapid, and inexpensive.

What is Payoneer?

Payoneer is a digital payment system that allows users to create an account, which, if approved, will result in the formation of a virtual bank account. If the user has a Payoneer account, they will accept payments into that account. People can link their regional banks to Payoneer to withdraw money from Payoneer and deposit it into their local accounts. During the application procedure, you can also get a Payoneer debit card. However, this is now solely a discretionary step. Payoneer is a company that provides services related to international money transfers. If you undertake part-time or full-time freelancing, you need a Payoneer subscription to accept foreign payments.

It would help if you used a payment processor like Payoneer to get your revenue from freelancing sites like Freelancer, Fiver, Upwork, and others.

Pakistan Payoneer

So currently, the most common inquiry is whether Payoneer is available in Pakistan. Yes, Payoneer services are available in Pakistan, which is the primary cause for Pakistan\’s burgeoning freelancing business.

Customers who open a Payoneer account can receive funds in a local bank account or an e-wallet, which they can then withdraw from ATMs all around the world. When you sign up for a Payoneer Premium MasterCard, you\’re opening a bank account in the United States, then utilized to perform MasterCard transactions.

It\’s a one-time charge of 100% plus a $25 free incentive. Obtaining the card and bonus is simple.

In 2016, Payoneer began allowing Pakistanis to withdraw money from their Payoneer accounts and deposit it into their local bank accounts in Pakistani rupees (PKR). For Pakistanis, this is less expensive than withdrawing money from a bank or other financial institution using a Payoneer debit card.

How to make Payoneer account in Pakistan?

The procedure of opening a Payoneer account is simple and quick. Everything will be taken care of for you if you follow the instructions below.

Payoneer is a good substitute for PayPal, which is unavailable in Pakistan. Individuals and international enterprises based in other countries utilize it to send money around the world. Payoneer users are overwhelmingly freelancers, as Pakistan has one of the world\’s largest populations of freelancers.

If you want to use Payoneer\’s service, you must first create an account. It is not necessary for the sender to get it, but they have been charged for it. As a result, both parties will require a Payoneer account to complete the transaction.


Before proceeding with account creation, you must first complete the criterion to be qualified to use the Payoneer payment platform.

  • You must be at least 18 years old to participate.
  • You must have a CNIC that has been confirmed.
  • It is a must to have a local bank account.
  • To be considered, you must have a functional phone number.
  • It\’s also required to have an up-to-date email address.

The following prerequisites must be met to open a Payoneer account in Pakistan.

Step-by-step procedures

Here\’s how to open a Payoneer account in Pakistan and receive your first payment as soon as possible.

  • Open your computer browser and go to to log in to the official Payoneer website.
  • Click the register button in the new window that displays.
  • Then, from a list of options, select one that best describes the type of work you do. You can describe yourself as a freelancer, an online merchant, a digital marketer, a vacation rental provider, or just an ordinary person.
  • Then you\’d have to give your personal information, such as your full name, ID card information, date of birth, or mailing address.
  • Lastly, users will be required to enter your bank’s IBAN information as well as other pertinent information.

Applying for Payoneer card in Pakistan

Payoneer also offers a Mastercard option. The card would be accepted at ATMs, online businesses, and physical locations across Mastercard\’s 210-country network. In Pakistan, the charge for a Payoneer card is $30, which is approximately 5k PKR.

You are eligible for the Mastercard if you have more than $30 in your wallet. Follow the steps below to receive the card.

  • Go to your Payoneer account settings and select \”Payoneer cards\” from the drop-down menu.
  • If you are eligible, an option to Order Now will appear after you have earned $30.
  • Then By clicking it, you may fill in all of the essential information.
  • Your card will arrive in approximately 30 days.

Payments via Payoneer are accepted

Payoneer accepts payments using two methods:

using the email address of the sender

The sender (customer) is charge for each email they send. This can used by small businesses and freelancers to bill their international clientele.

Follow the steps given below.

  • To sign in, go to your Payoneer account.
  • To get starte, go to the Receive tab.
  • Select \”Request a Payment\” from the drop-down box once more.
  • Fill in the relevant information as well as the client\’s email address.

You\’ve finished the job!

On Your Company’s Website as a Payment Method

This method is extremely popular among freelancers. It requires including Payoneer as a payment option on your company\’s website. You\’ll get your money once you\’ve completed a withdrawal from the website.

Payoneer payment options for transferring funds

Payoneer allows you to make the following transactions:

  • Payments are made from one Payoneer account to another.
  • Transferring funds from a Payoneer account to a local account.
  • To an e-wallet, from a Payoneer account.

Follow these procedures to make a payment with your account.

From the homepage, navigate to Pay>Make a Payment.

Fill in the information for the desired bank account and the quantity to be sent.

The funds will transferre to you once you confirm.

Banks in Pakistan that support Payoneer

The Bank\’s list of locations where you can use your Payoneer Card is liste below. Remember that you can use these banks\’ ATMs at any time without needing to first open an account with them.

Remember only to withdraw cash when you have a substantial amount of money because the Tax Bank charges a transaction fee when you withdraw money.

You must always check your balance online; if you do so at an ATM machine, you will charged $1.00 from your total balance to check it.

MCB Bank

Faisal Bank

standard chartered Bank


Citti bank,


Payoneer expects to recruit additional bank partners as time goes on because it is Pakistan\’s only global payment service with a large user base.

The fact that Jazz cash has a one-of-a-kind relationship with Payoneer, on the other hand, makes it the most practical option.

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We covered everything about Payoneer in general, as well as its operations in Pakistan, in this article.

We clear up people\’s confusion and provide a detailed solution to the question, \”does Payoneer operate in Pakistan?\”

Due to a lack of competition and an increase in the number of people operating in the global marketplace, Payoneer\’s expansion in Pakistan is projecte to continue.

To maximize your savings, it is recommend that you use your Payoneer account in conjunction with JazzCash. It offers real-time transactions, a low withdrawal limit, and the ability to manage everything from your smartphone. It could also used to make online purchases at places like eBay, Walmart, and others.

Smaller companies, businesses, and freelancers may now concentrate on what is important and not be distracted by unimportant details.



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