Introduction
In today’s rapidly growing digital economy, receiving international payments has become essential for freelancers, bloggers, e-commerce sellers, and digital entrepreneurs in Pakistan. Whether you’re working on platforms like Fiverr or Upwork, or selling on Amazon or Etsy, having a secure and reliable payment gateway is a must. This is where Payoneer comes in.
Payoneer has emerged as a trusted solution for receiving cross-border payments easily and securely. If you are from Pakistan and looking for a step-by-step guide on how to create a Payoneer account, you’re in the right place.
What is Payoneer?
Payoneer is a US-based financial services company that enables users to receive international payments directly into their local bank accounts. With millions of users across 200+ countries, it’s a popular choice among freelancers, businesses, and e-commerce professionals.
Key Benefits of Payoneer:
- Supports over 150 currencies
- Direct bank withdrawals in PKR
- Free to receive payments from marketplaces like Fiverr, Upwork, Amazon, etc.
- Option to request payments from clients worldwide
- Provides Global Payment Services including US, UK, EU bank details
Is Payoneer Available in Pakistan?
Yes, Payoneer is 100% available and legal in Pakistan. In fact, thousands of Pakistani freelancers and Amazon sellers actively use Payoneer to receive payments from international clients and marketplaces.
Supported Pakistani Banks:
- HBL
- MCB
- UBL
- Meezan Bank
- Bank Alfalah
- Allied Bank
- and many more
Payoneer allows you to withdraw directly to your local bank account in Pakistani Rupees (PKR), which makes it convenient and cost-effective.
Requirements to Open a Payoneer Account in Pakistan
Before you begin the registration process, make sure you have the following:
- Full legal name (as per CNIC)
- National Identity Card (CNIC) or Passport
- Active Pakistani mobile number and email
- Local bank account in your name
- Tax ID (Optional but useful)
Step-by-Step Guide to Create Payoneer Account in Pakistan
Follow these steps to create your Payoneer account:
Step 1 – Go to the Payoneer Website
Visit the official website: www.payoneer.com
Click on the “Register” or “Sign Up” button.
Step 2 – Choose the Account Type
You’ll be asked who you are:
- Freelancer or SMB
- Online seller
- Affiliate marketer
- Individual
Choose the one that fits you. For freelancers, select “Freelancer or SMB”.
Step 3 – Enter Your Personal Information
- Full Name (as per CNIC)
- Email address
- Date of Birth
Make sure all details match your identity documents.
Step 4 – Contact Details
- Your address in Pakistan
- Mobile number (you’ll receive a code)
Step 5 – Security Details
- Username (usually your email)
- Password
- Security questions
Step 6 – Add Your Local Bank Details
- Bank name
- Account title (must match your name)
- Account number
- IBAN
Double-check all entries for accuracy.
Step 7 – Submit Documents
Upload your CNIC (front and back), utility bill (if asked), and a bank statement to verify identity.
Step 8 – Submit Application
Click Submit and wait for confirmation email.
Payoneer Account Approval Time
Approval usually takes 1 to 3 business days, but can be quicker. You’ll receive a confirmation email once approved.
Common Delays:
- Document mismatch
- Incomplete or unclear images
- Bank details not matching account name
To avoid issues, ensure everything is consistent with your official identity documents.
How to Link Your Pakistani Bank Account to Payoneer
If you skipped the bank link during registration, you can add it later:
- Log in to your Payoneer account
- Go to “Settings” → “Bank Accounts”
- Click “Add Bank Account”
- Enter your bank details
- Submit and wait for approval
Usually approved within 2 business days.
Payoneer Global Payment Services
One of the major benefits of Payoneer is its Global Payment Service, which provides you with:
- US Bank Account (USD)
- UK Bank Account (GBP)
- EU Bank Account (EUR)
- AU Bank Account (AUD)
- JP Bank Account (JPY)
You can receive payments like a local resident in these countries. For example, if you work with a US-based client, simply send them your Payoneer US bank details.
Payoneer for Freelancers in Pakistan
Popular platforms like:
- Fiverr
- Upwork
- Freelancer.com
- PeoplePerHour
…all allow seamless Payoneer withdrawals. Simply connect your Payoneer account under payout methods.
Withdrawal Process:
- Receive payment into your marketplace wallet
- Transfer funds to Payoneer
- Withdraw to Pakistani bank in PKR
Payoneer charges a small fee for currency conversion and transfer.
Payoneer for E-commerce Sellers in Pakistan
If you sell on platforms like:
- Amazon
- Etsy
- Walmart
- Daraz
You can use Payoneer to receive your earnings globally and then transfer them to your Pakistani bank account.
Payoneer also supports VAT payments, supplier payments, and mass payouts—making it ideal for scaling e-commerce.
Payoneer vs PayPal in Pakistan
| Feature | Payoneer | PayPal (Unavailable in Pakistan) |
|---|---|---|
| Availability | ✅ Yes | ❌ No |
| Local Banks | ✅ Supported | ❌ Not applicable |
| Cost | ✅ Low fees | — |
| Cards | ✅ Optional MasterCard | — |
| Legal Status | ✅ Registered | ❌ Illegal without VPNs |
In short, Payoneer is the most legal and reliable international payment method in Pakistan.
Common Issues While Signing Up & How to Solve Them
Issue 1: Name Mismatch
Ensure your bank account name matches your CNIC and Payoneer registration details.
Issue 2: Document Rejected
Resubmit with high-quality scans. Avoid blurry or cropped images.
Issue 3: Account Not Approved
Double-check your details. Contact support if it takes more than 5 days.
Tips to Keep Your Payoneer Account Secure
- Enable Two-Factor Authentication (2FA)
- Never share your password or login links
- Only use official Payoneer website or app
- Check your emails for suspicious activities
Payoneer Card: Can You Get It in Pakistan?
Payoneer once offered MasterCard debit cards, but due to policy changes, they are no longer available in Pakistan as of now. This may change in the future.
If you have international clients or travel abroad, you might get eligibility based on your account usage and volume.
Customer Support and Help Center
You can reach Payoneer via:
- Live Chat (business hours)
- Email support
- Payoneer Community Forum
- Help Center with FAQs and guides
For Pakistani users, live chat is the best option.
Conclusion
Creating a Payoneer account in Pakistan is straightforward and opens the door to the global digital economy. Whether you’re a freelancer, blogger, or seller, Payoneer gives you the tools to receive international payments smoothly, legally, and efficiently. With growing digital trends in Pakistan, Payoneer remains the best alternative to PayPal and a must-have for any online earner.
FAQs
1. Can I use Payoneer in Pakistan without a bank account?
No. You need a Pakistani bank account to withdraw your earnings.
2. How much does Payoneer charge for withdrawals in Pakistan?
Typically, 2% above the mid-market rate. No hidden fees.
3. Is Payoneer better than JazzCash or EasyPaisa?
Yes, for international payments. JazzCash and EasyPaisa are local apps.
4. Can students create Payoneer accounts?
Yes, if you’re 18+ and have a CNIC and bank account.
5. What to do if my Payoneer account is rejected?
Contact support and recheck your documents. Use clear and correct information.