Payoneer in Pakistan – A Complete Guide

Payoneer is an online service that enables freelancers and eMarketers in collecting their revenue from a number of countries. Particularly for Pakistani online marketers, Payoneer is a great service as PayPal isn’t available in our country yet. But in my opinion, Payoneer is more robust than PayPal in receiving online payments. If you are willing to work as a freelancer at Upwork or if you are going to sell your services at Fiverr, then Payoneer is your friend. Both Upwork and Fiverr, in addition to hundreds of others, are the official partners of Payoneer and you can avail the services of Payoneer in getting paid quickly and easily from your clients on these services.

In addition, if you are working with direct clients, still Payoneer allows you to receive payments from them by sending a payment request. Later in this article, we will learn that if needed, you can top-up your Payoneer balance yourself as well using this payment request feature.

How Does Payoneer Work

When you sign up for an account at Payoneer, you are given a virtual bank account in a US bank, Bank of America in my case. Along with this (and some more bank accounts in other accounts), a MasterCard is shipped to you. Now you can use this virtual bank account to receive payments from Payoneer partners or from your direct clients and then you can use the provided MasterCard to withdraw your money in supported ATMs in Pakistan. In addition, you can use their bank withdrawal service to withdraw the money to your local (Pakistani) bank account directly and I have found the bank withdrawal service provided by Payoneer to be the fastest among all others I’ve used so far.

Signing Up for Payoneer

Signing up for an account with Payoneer is free. You can either create an account directly on their website or you can sign up through any of their partners like I mentioned Upwork and Fiverr above. If you have already started working with any of Payoneer’s partners, then you should signup through the partner as the signup process would be more easy and straightforward with them.

If you haven’t started working with any of Payoneer’s partners yet, then you can visit this URL to create an account. You will have to provide your local bank account details in order to create the Payoneer account. IBAN is required. If you don’t know what it is, please contact your bank (here in Pakistan) to get the IBAN for your bank account.

Completing the Signup Process

During the signup or after your signup is completed, you will be asked to provide your identity proofs. You can provide the scans of your CNIC, driver license or any other government-verified document where your name and address is visible. When I had an interaction with the signup process for the last time, Payoneer was requiring you to provide the document scans in English. If your documents are in Urdu, then you will have to get them translated into English through some way or Payoneer might reject your documents.

In addition, you will be asked to complete a questionnaire as well. The questionnaire will contain some simple questions asking you to provide information about your income source and so on. You can fill in the information according to your online work’s nature (i.e. blogging, freelancing, affiliate marketing etc.) and submit the form. Payoneer might hold your money unless you complete and submit the questionnaire form.

Important Things to Consider

While creating an account at Payoneer, you need to keep some important things in your mind. Here is the list of the things to be considered in order to get easy approval and to ensure that Payoneer’s MasterCard is successfully delivered at your doorstep:

  • You need a local bank account. If you don’t have it, open an account with a local bank first
  • Provide your correct (full) name that matches your all academic/government documents
  • Provide your complete address. Double check the ZIP code of your area. If you don’t provide a complete address, you may not receive Payoneer’s MasterCard

How to Get Paid via Payoneer

The partner networks provide an easy option of money withdrawal in their user account area. For example, if you are working at Upwork, then you can find Payoneer as a payout option in your earnings section. Remember that you will either have to link your Payoneer account with Upwork or any other partner service from where you are going to withdraw your money.

If you are going to receive money from any of your direct clients or customers, then you can create a payment request in your Payoneer account area. Under ‘Receive‘ menu, you will find a link labeled as ‘Request a Payment‘ that will lead you to a simple form where you can fill in the details of your client. Once you will complete and submit the form, an email will be sent to your client as well as you will get a direct link to share with your client where they can make a payment using their credit/debit card, eCheck as well as using some other options.

Payments requested from clients mostly take some days and it may take up to a week or two if your client chooses eCheck. After the verification and approval mechanism, money will be deposited into your account. For Upwork and several other services, your money can be loaded instantly. The instant load takes a few minutes and Payoneer charges an additional fee of under $5 in order to make the funds available instantly on your account.

Withdrawing Money in Pakistan

Payoneer provides two ways to withdraw your money in Pakistan – the bank wire transfer and through its MasterCard prepaid card. Both of these services are super-solid and I’d recommend the bank transfer method if you aren’t in a rush in order to get your money.If you use the bank withdrawal option in working days (Monday to Friday), then you can receive the payment in your local bank account within 4 to 5 hours. For other standard international bank transfers, sometimes it even takes weeks but with Payoneer, the process is very fast as well as the conversion rate of USD into PKR is reasonable as well.

If you use the bank withdrawal option in working days (Monday to Friday), then you can receive the payment in your local bank account within 4 to 5 hours. For other standard international bank transfers, sometimes it even takes weeks but with Payoneer, the process is very fast as well as the conversion rate of USD into PKR is reasonable as well.

The prepaid MasterCard of Payoneer is supported at some selected banks in Pakistan. I have been using the ATM of MCB (Muslim Commercial Bank) here in my town and never had any issues. I haven’t tried any other bank personally but users have been reporting that ATMs at SCB (Standard Chartered Bank), Citi Bank and Faysal Bank are also supported. MCB charges you Rs. 200 per withdrawal and it allows Rs. 20,000 per transaction. A maximum of 20 transactions totaling Rs. 200,000 was allowed to me but this information should not be taken as an accurate one as the transaction charges and the maximum allowed amount would change from bank to bank.

Topping Up Your Account

Although this would be a different topic and I’ll write an entire post on it but I’m going to briefly explain the process of depositing money to your Payoneer account from Pakistan. As I talked above that Payoneer allows you to send a payment request to anyone in the world and they can pay your requested money using their debit or credit card as well as any other payment option supported in their country. Now to top up your account, you can make use of this feature like this:

  1. Send a payment request to yourself (use any other email than your Payoneer account’s email)
  2. Call your local bank and ask to activate the eCommerce session on your credit/debit card
  3. Once the eCommerce session is activated, open the payment page’s link (that was created for the payment request) and use your debit/credit card to make the payment

Once you will complete the payment, it will take a day or two (or longer in some cases) before the money will become available in your Payoneer account.

The alternate method of topping up your Payoneer account is to buy Payoneer funds from any other fellow Pakistani. A lot of users are there who sell Payoneer $ in exchange of PKR. Find a trusted person on Facebook or on any other platform and make a deal. They will guide you further and you will be able to get Payoneer $ in exchange of Pakistani rupees.

I feel that the information I disclosed above is enough to explain what Payoneer is and how can you make use of it. I’ll be writing more posts that will explain sub-topics in detail. Meanwhile, if you have any questions or if you have any updated information about Payoneer to share with others, please leave a comment below.



A web developer, server administrator and a blogger from Gilgit-Baltistan, Pakistan.


You can post comments in this post.

  • assalam o alekum thank you so much sir for this article this help me alot as i tried to sign up for payoneer account many times and each time my request declined and i dont know why bhai mra nic miss hogya hy kahin abhi ap k article se pta lga k wo nic k scan bhi mangte hen so bhai is it possible k me apne bhai k naam se account bnaon and details bhi sari osi ki dun to kya me jb click bank k through affiliate marketing krongi to mre bhai k naam se jo account h payoneer ka wo acceptable hoga ? please guide me me bhot pareshan hn help me plz

    bushra yasmeen 4 months ago Reply

    • W. salam. G aap apnay bhai k naam se account open kar sakti hein or wo card ClickBank me link b hona chahye. With most affiliate marketing sites, it isn’t necessary to have the same name on your affiliate account and the Payoneer card. Same should be applicable for ClickBank.

      Rehmat 4 months ago Reply

  • Brother I ordered Payoneer Card from & there it was written that this will give you $50 bonus but I didn’t get any bonus after creating a successful account.

    Naveed 4 months ago Reply

    • Hi bro,
      It doesn’t give out $50 instantly. There was a reward of $25 for the referred users but those $25 are paid when you receive a specific amount via Payoneer.

      Rehmat 4 months ago Reply

  • This is very good information. If I cannot get my own card to verify my account, do you think these people are safe:

    Ahmed Hadar 4 months ago Reply

    • Hi Ahmed, I don’t have any experience with the service you mentioned. I’ll post here as soon as I find any valuable information about their service.

      Rehmat 4 months ago Reply

  • Please I want to receive money into pakistin account and with draw the money in Nigeria using payoneer . how can I open a Pakistani account from Nigeria and do the above?

    Uche 4 months ago Reply

    • Hi Uche, if MCB, HBL or any other Pakistan bank has their branch in your region, then you can visit it to open an account. Other than this, as far as I know, you need to be physically present in Pakistan in order to open a bank account. BTW can you elaborate your issue in detail so we will be able to help you accurately?

      Rehmat 4 months ago Reply

      • I have clients in Pakistan who am to sell bitcoin to at a cheap rate but the can only send payment using rupee and into a Pakistan bank account. And am supposed to make withdrawal in Nigeria where I am.

        Fred Elechi Uche 4 months ago Reply

        • In that case, your best bet is to create a payment request in Payoneer and send it to your clients. In Pakistan, your clients can pay your invoice using their debit/credit card (by getting eCommerce session activated) or they can even use a virtual debit card provided by a cellular network Telenor EasyPaisa.

          Rehmat 3 months ago Reply

  • I want to topup my payoneer account, For this, I have contacted a local pakistani company PAYEXCHANGER. Their reply was that :

    “We can only load if you have received at least 100$ before in your card from some company” . I have not recieved any money from any company on my card.

    Can I still manually top up my PAYONEER card

    Farrukh Kamal 3 months ago Reply

    • Hi Farrukh,
      They (PAYEXCHANGER) are in this business for a longer time so they might be correct in what they are saying. BTW do you see ‘Request a Payment’ option under ‘Receiver’ link? If yes, then there might be a possibility to top-up your account.

      Rehmat 3 months ago Reply

  • sir how to get money in this card

    yasir khan 2 months ago Reply

    • Hey bro,
      What’s your profession and what are your online income sources? I’ll be able to help you better after knowing this.

      Rehmat 2 months ago Reply

  • Hello sir, I have a payoneer card but I am not able to link my card to google play store. I want to know is google playstore supporting payoneer master card as a payment method. Please sir tell me if you tried.

    Asif Ali 2 months ago Reply

    • Hi Asif, yes, I’ve used Payoneer card with Google. While adding your card to Google Wallet, ensure that you are providing the correct billing address.

      Rehmat 1 month ago Reply

  • Hi,
    I received my Prepaid Card two days ago and I activated it right away. I received a confirmation email stating that the card had been activated successfully.

    After a few hours the available balance in my account ID was also transferred to my card. However, I am not able to withdraw cash at ATM machines using my Payoneer card.
    Why would that happen?
    My card is activated but there seems to be some problem in its operation at ATM machines, and I am confused as to why I’m not able to withdraw cash from my Payoneer account using this card.

    Fatima Ali 1 month ago Reply

    • Hi,
      Which banks’ ATM have you tried so far? It is supported at selected banks only. i.e. MCB

      Rehmat 1 month ago Reply

  • Hey. Assalam u Aliakum. I need to know why payoneer sign up is not accepting my branch name. when I put the name of the branch a message pops up that “invalid format.” Can you please tell me the right format..?

    Khushe 3 weeks ago Reply

    • Hi, I’ve noticed the same case with my friends’ accounts. You will need to talk to Payoneer support in order to fix this issue.

      Rehmat 3 weeks ago Reply

  • Sir can I use only bank transfer method? because thier fees for card activation is very High and My earning is not this much high, And one more question that, after how much time the card activation is necessory? I mean one activation is for liftime or limited?

    Muhammad Zafar 3 weeks ago Reply

    • Hi bro,
      I feel that card activation is mandatory in order to use your account. Try to add a bank account and do a transfer there. If that works, then you should be fine otherwise you will have to activate your card.

      Rehmat 3 weeks ago Reply

  • please sir tell me full details to link payoneer account with paypal when we are in pakistan.

    Ahssin Iqbal 2 weeks ago Reply

    • Hi,
      If your PayPal account holder’s name matches to your Payoneer account holder’s name, then you can try linking the card by signing into your PayPal account. Your Payoneer account should have some money in it as PayPal will attempt to do a test transaction to verify your the card.

      Rehmat 2 weeks ago Reply

  • Hello Sir,
    i WANT to know that I received MasterCard of Payoneer. I want to transfer my Bank al habib Money to Payoneer card..
    In simple words we can say that I want to add money in my payoneer card from my local ATM.. How can i do it?

    Nisar Hussain 2 weeks ago Reply

    • Hi Nisar, it isn’t possible using an ATM. You can send a payment request to yourself from your Payoneer account and then use your HBL card to pay the requested amount online. Remember that you will have to get eCommerce session activated on your card in order to use it online. I once used this method to top up my Payoneer account and I hope this will help you as well.

      Rehmat 2 weeks ago Reply

  • Hello sir i want to open a local bank account and transfer my money from payoneer to my local bank account but bank asked me to get a letter from paynoeer where i generate my money please send me any link where i can get this letter Thanks

    Daud Mushtaq 2 weeks ago Reply

    • Hi bro,
      Payoneer doesn’t provide you any certificate/letter like this as it is just a money processing service. You will have to get your earnings certificate from the website where you earn money. For example, if you are working on Upwork, then you can export a certificate there. BTW I recommend that just mention a local business, i.e. a shop, and take the shop’s stamped billing receipt to the bank to open an account.

      Rehmat 2 weeks ago Reply

  • Hello sir, I have a payoneer card but I am not able to link my card to my paypal. I want to know is paypal supporting payoneer master card if it’s supporting the how can add payoneer card to paypal. Please sir tell me if you tried.

    imran 4 days ago Reply

    • Hello Imran,
      Yes, PayPal allows you to link your Payoneer card there. Ensure that your Payoneer account has some funds in it, otherwise, the verification will fail and you will not be able to link your card.

      Rehmat 3 days ago Reply

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