Best Payment Method for Freelancers in Pakistan

Payment method is one of the most crucial part of freelance career. And finding the best payment method according to your business need is much more important. In previous time, there were many problems regarding payment methods for Pakistani freelancers. But now we have plenty of platforms available. In this detailed article, we will discuss about best payment method for freelancers in Pakistan.

Learn Best Payment Method in Upwork for Pakistan.

Now, let’s discuss each payment method available for freelancers in Pakistan.


payoneer is one of the best payment method for freelancers in Pakistan

Payoneer has been helping Pakistani businesses and freelancers with payments for over 10 years now.

If you are a freelancer or have digital business then Payoneer can be a good option to get paid from abroad. You can simply send a “payment request” in your client’s or customer’s preferred currency which they can pay via credit card. If you and your client have Payoneer account then payment can be made with email only.

How to withdraw payment from Payoneer to local bank?

There are many options to withdraw payment from Payoneer to local bank. You can directly withdraw payment from Payoneer to attached bank account with minimum withdraw limit of $150. Or you can withdraw using JazzCash with minimum withdraw limit of $5.

Pros and Cons of Payoneer.

Pros of using Payoneer:

  • Available in 150+ countries
  • Have ATM car option
  • Can use on different marketplaces like Fiverr, Upwork, PeoplePerHour, Freelancer etc.
  • Multi-currency account for global online business like USD, GBP, Euro etc.
  • Withdraw your payment to any Pakistani bank attached with Payoneer.
  • By joining, you will get $25 as a BONUS. If you receive $1000 in your account from marketplaces within 1st 3 months.

Cons of using Payoneer:

  • Relatively high per transaction fees i.e. 2%.
  • Usage of ATM card have additional fee.
  • Exchange rates is not as competitive as other options.
  • Customer support is slow sometime.
  • Sometime blocks your account without explaining any reason.

Wise (previously Transfer Wise)

wise is another best payment method for freelancers in Pakistan.

Wise, previously known as Transfer Wise, is one of the fast and easy to use payment method available for freelancer and business in Pakistan. It uses the mid-market exchange rate and has no hidden fees. In Wise, transaction could be done during anytime in 24 hours. And even you can transfer payment to those whose do not have wise account directly to their local bank account. The best thing about wise is that it deposits your amount within few minutes and even track your payment.

How to withdraw payment from Wise to local bank?

It’s easy, just choose recipient in Pakistan and send to their local bank account even if they do not have wise account. Only clients need to log in to wise account and put your details for the first time. You will get the money in PKR.

Pros and Cons of Wise.

Pros of using wise:

  • Provides virtual and physical cards.
  • Can get paid even if you do not have Wise Account.
  • Only client/sender need to login and add your bank details for first time.
  • Can get paid in local bank directly
  • Have competitive exchange rates.
  • Transparent fee. No hidden fees
  • Fast and convenient transfers
  • Multi-currency account for global online business like USD, GBP, Euro etc.
  • Setting up an account with Wise is generally straightforward.
  • Easy to use and user-friendly interface.

Cons of using Wise:

  • The card option is limited to some country
  • Currently not providing multicurrency account in Pakistan and some other countries.
  • Do not have recurring transaction option.
  • Customer support is slow sometime


PayPal is best payment method but not avaible in pakistan.

PayPal is very easy to use and worldwide popular payment gate way for marketplaces and global payment. But, there is a bad news for Pakistani freelancers, individuals or business owners that PayPal is not available in Pakistan.

Clients outside Pakistan can do direct payment to Pakistani local bank with a PayPal service called Xoom. But transferring to PayPal wallet in Pakistan is currently not possible.

As PayPal is not available in Pakistan for now. I will write more about this payment once they will start their service in Pakistan. So, stay tune. (PayPal Service)

xoom is a best payment method by paypal.

Xoom is a PayPal service which can use to send and receive money securely. With Xoom, you can easily get paid in your local bank account from international clients. Clients/Sender can pay conveniently with their bank account, credit card, debit card and off course with PayPal. Payment can be initiate online through the Xoom website or mobile app.

Pros and Cons of Xoom.

Pros of using Xoom:

  • Enables users to send money directly to recipients in Pakistan even with PayPal.
  • It provides multiple transfer options like bank deposits, cash pickups etc.
  • It provides fast transfer.
  • It has transparent fees and exchange rates.

Cons of using Xoom:

  • It has limited sender countries.
  • Sometime it impose limits on the amount of money that can be sent within a certain period.
  • Sometime it requires additional verification, which could extend the overall transfer time.
  • Like other, the exchange rates offered by are subject to market fluctuations.


skrill is another payment method available in pakistan.

Skrill is also another payment method available for Pakistani freelancer, individuals and business owners. I can be use to send and receive money globally. It provides a range of financial services, including online payments, international money transfers, and a digital wallet.

Pros and Cons of Skrill.

Pros of using Skrill:

  • Skrill has wise online acceptance including e-commerce websites, gaming sites, and digital service providers.
  • Skrill has global accessibility.
  • Skrill has competitive exchange rates and offers a convenient solution for funds transfer across borders.
  • Skrill has digital wallet feature which allows users to store and manage their funds securely.
  • Skrill prepaid MasterCard option which allows to make payments at physical stores or withdraw cash from ATMs.

Cons of using Skrill:

  • Skrill charges fees for certain transactions like money transfer, currency conversions etc.
  • Skrill may require users to go through a verification process to access certain features or higher transaction limits.
  • It is widespread but not completely global. Skrill is not supported by a particular merchant or website.
  • Sometime customer support is slow.
  • It is supports limited cryptocurrency options

Western Union or Money Gram

These are two payment method which enable your client/sender to send money directly from their Local Agent. All you need is to request your client or sender to find Western Union or Money Gram agent in their country.

Steps Involved.

Find a Local Agent: These agents can be found in various countries, including banks, post offices, or dedicated financial service providers. Or find them at Western Union or MoneyGram official websites.

Provide Required Information: Provide requested documents by the agent.

Fill out the Form: Fill out the form providing details such as the sender’s name, contact information, the amount being sent, and the recipient’s information.

Pay for the Transfer: Pay the transfer amount, including the applicable fees etc., to the agent.

Receive the Receipt: Receive a receipt containing a unique tracking number (MTCN – Money Transfer Control Number) for Western Union or a reference number for MoneyGram.

Share Transfer Details with the Recipient: The sender need to share tracking/reference number and other relevant details with the recipient to get paid from Western Union or MoneyGram agent Pakistan.

Tracking and Collection: Payment can be tack on both official websites using tracking/reference number. And can collect the payment at near banks, post offices, or dedicated financial service providers.

Note: If you want me to write about more available best payment method for freelancers in Pakistan, please let me know in comment section.


In conclusion, when considering the best payment method for freelancers in Pakistan, it’s important to weigh the pros and cons of each payment method available in Pakistan based on individual and business needs. Payoneer, Wise (formerly TransferWise), Skrill,, and other platforms like Western Union or Money Gram offer valuable features for freelancers, including secure transactions, convenience, and global accessibility. Payoneer is widely accepted and provides a seamless user experience, while Wise offers competitive exchange rates and low fees for international transfers. Skrill provides a digital wallet and prepaid Mastercard, giving flexibility to financial transactions. Xoom specializes in international money transfers and facilitates the efficient flow of funds to Pakistan. While Western Union or Money Gram have their own important features. Each freelancers should consider different factors such as transaction fees, exchange rates, transfer speed, customer support etc. while choosing from the best payment method available. Because at the end, it will vary based on individual preferences and the specific requirements of each freelancer.


Leave a Reply

Avatar placeholder

Your email address will not be published. Required fields are marked *