Last Updated: January 14, 2026
Payoneer Mastercard in Pakistan: A Complete Guide for Freelancers
Quick Platform Comparison for Pakistan
| Platform | Best For | Commission | Payment Methods | Min. Payout |
|---|---|---|---|---|
| Fiverr | Beginners | 20% | Payoneer, Bank | $10 |
| Upwork | Professionals | 10-20% | Payoneer, Wire | $100 |
| Freelancer | Variety | 10% | Payoneer | $30 |
| PeoplePerHour | UK Clients | 20% | Payoneer | $50 |
As a Freelancer in Pakistan, navigating the payment landscape can be a daunting task. With the absence of PayPal in Pakistan, many freelancers struggle to receive international payments easily and affordably. However, the Payoneer Mastercard offers a viable solution, allowing you to receive funds from clients globally and access them conveniently. In this guide, we’ll explore how the Payoneer Mastercard works, its benefits, and practical tips to get you started.
Why Choose Payoneer over Other Payment Methods?
Before diving into the details of the Payoneer Mastercard, let’s discuss why it’s a preferred choice for many Pakistani freelancers:
- No PayPal in Pakistan: PayPal is not operational in Pakistan, making it challenging for freelancers to receive payments from international clients.
- Global Reach: Payoneer allows you to receive payments from a variety of platforms like Fiverr, Upwork, and direct clients across the globe.
- Local Withdrawals: You can easily withdraw funds in Pakistani Rupees (PKR) to your local bank account, making it convenient.
- Payoneer Mastercard: This card enables you to access your funds globally, withdraw cash at ATMs, or make online purchases.
How to Get Started with Payoneer in Pakistan
Here’s a step-by-step guide to help you set up your Payoneer account and get your Payoneer Mastercard:
Step 1: Sign Up for Payoneer
To start using Payoneer, you need to create an account:
- Visit the Payoneer website.
- Click on “Sign Up” and select the “Freelancer” option.
- Fill in the required information, including your name, email address, and password.
- Complete your profile by providing additional details such as your address and bank information.
- Once you have filled out the form, submit it for review.
Tip: Make sure to use your real information, as Payoneer may require documentation for verification.
Step 2: Verification Process
After signing up, Payoneer will review your application. This process may take a few days. Be prepared to provide:
- Identification (CNIC or Passport)
- Proof of address (utility bill, bank statement)
Once your account is approved, you’ll receive an email confirmation.
Step 3: Request Your Payoneer Mastercard
After your account is verified, you can request a Payoneer Mastercard:
- Log in to your Payoneer account.
- Navigate to the “Card” section.
- Follow the prompts to request your Payoneer Mastercard.
- Payoneer will send the card to your registered address, which usually takes 2-4 weeks.
Using Your Payoneer Mastercard
Once you receive your Payoneer Mastercard, you can start using it immediately:
- ATM Withdrawals: Use your card to withdraw cash from ATMs worldwide. In Pakistan, you can withdraw PKR from banks like HBL, MCB, or UBL.
- Online Purchases: Make online purchases in foreign currencies without incurring high conversion fees.
- Local Payments: You can pay for services in Pakistan directly using your Payoneer funds.
How to Withdraw Funds from Payoneer to Pakistani Banks
Withdrawing money from Payoneer to your local bank account is straightforward:
- Log in to your Payoneer account.
- Go to the “Withdraw” tab and select “To Bank Account.”
- Select your linked Pakistani bank account (you can link banks like HBL, MCB, or UBL).
- Enter the amount you wish to withdraw and confirm the transaction.
Note: Withdrawals may take 1-3 business days to process, and you will incur a small fee based on the amount withdrawn.
Tax Considerations for Freelancers in Pakistan
As a freelancer in Pakistan, it's essential to be aware of tax obligations:
- FBR Registration: It’s advisable to register with the Federal Board of Revenue (FBR) to ensure compliance with tax laws.
- Tax Benefits: Freelancers often benefit from favorable tax treatment, so consult a tax advisor to understand your liabilities.
Pros and Cons of Using Payoneer in Pakistan
Like any payment method, Payoneer has its advantages and disadvantages:
Pros
- Global payment access
- Convenient and easy to use
- Ability to withdraw funds in PKR
- Payoneer Mastercard for easy access to funds
Cons
- Processing fees for withdrawals
- Verification process can be time-consuming
- Limited customer service options in Pakistan
Conclusion: Your Path to Financial Freedom
The Payoneer Mastercard is a valuable tool for Pakistani freelancers looking to receive international payments seamlessly. By following the steps outlined in this guide, you can set up your Payoneer account, receive your card, and access your funds effortlessly. Remember, since PayPal is not an option in Pakistan, Payoneer stands out as a reliable and efficient alternative.
Ready to start your journey with Payoneer? Sign up for Payoneer today and receive a $25 bonus when you receive your first $1000!
Frequently Asked Questions
Does Payoneer work in Pakistan?
Yes, Payoneer works perfectly in Pakistan. You can receive payments from Fiverr, Upwork, and other platforms to Payoneer and transfer to your Pakistani bank.
How do I transfer from Payoneer to Pakistani bank?
Log into Payoneer, select Withdraw > To Bank Account, choose your Pakistani bank, enter amount. Funds arrive in 2-5 business days.
What are Payoneer fees?
Payoneer charges about 2% for withdrawal to Pakistani banks. ATM withdrawal costs $3.15. Currency conversion has a 2% fee.