How to Open Payoneer Account in Pakistan (2025 Free Guide)

💡 Introduction: Why You Need a Payoneer Account

In 2025, freelancers, bloggers, affiliate marketers, and e-commerce sellers in Pakistan need an international payment solution. With PayPal still not available officially, Payoneer is the best alternative.

Payoneer lets you:

Receive payments from foreign clients
Withdraw earnings from platforms like Fiverr, Upwork, Amazon, and ClickBank
Get a virtual US, UK, and EU bank account
Withdraw money to your local bank account (UBL, HBL, Meezan, etc.)

Let’s dive into the step-by-step process to open a Payoneer account in Pakistan — 100% free.

✅ Step-by-Step: How to Create a Payoneer Account in Pakistan

🔹 Step 1: Visit the Payoneer Website

Go to: www.payoneer.com

Click on “Sign Up” or “Register” in the top-right corner.

🔹 Step 2: Choose Your Account Type

Select:

Individual (for freelancers/students)
Company (only if you’re a registered business)

Then click “Next.”

🔹 Step 3: Fill in Your Details

Enter your:

Full Name (as per CNIC or Bank Account)
Email Address (use Gmail preferably)
Date of Birth
Country: Pakistan

✅ Use real info — it must match your bank account details.

🔹 Step 4: Provide Your Contact Details

Address (must match CNIC or utility bill)
City & Postal Code
Mobile number (you’ll get OTP)

📞 Enter a working number for verification.

0🔹 Step 5: Set Up Security Details

Create a password
Choose a security question (for future account recovery)
Enter CNIC or Passport number

👉 Note: Payoneer uses CNIC for Pakistani users instead of SSN or Tax ID.

🔹 Step 6: Add Bank Account (PKR)

Link your Pakistani bank account for withdrawals.

You’ll need:

Bank name (UBL, HBL, Meezan, etc.)
Account title (your name)
IBAN (24-digit number on cheque book or bank app)
Bank branch and city

✅ Make sure your Payoneer name matches the bank account title exactly.

📨 What Happens After Sign Up?

Your application is reviewed (within 1–3 business days)
You’ll receive a confirmation email
Once approved, you can start receiving international payments!

🎉 No physical documents are needed unless requested later for large payments.

💳 Optional: Order a Free Payoneer MasterCard

If you receive $100+ from Payoneer partners, you may qualify for a Payoneer Prepaid Mastercard, which you can:

Use online
Withdraw cash from ATMs worldwide

🛑 Note: This card is optional and not needed if you only withdraw to bank.

💼 Who Should Use Payoneer in Pakistan?

✅ Freelancers (Fiverr, Upwork, Toptal, etc.)
✅ Affiliate Marketers (ClickBank, JVZoo, Amazon Associates)
✅ E-commerce Sellers (Amazon, eBay)
✅ YouTubers & Bloggers (getting paid via networks)
✅ Remote Employees (working with US/UK firms)

💸 Payoneer Withdrawal Charges (2025 Updated)

🏦 To a Pakistani bank:
~2% above mid-market rate (competitive)
💵 From ATM (MasterCard):
$3.15 per withdrawal + 3.5% currency fee
💳 Card annual fee (optional):
~$29.95 (only if the card is activated)

✅ No monthly fee, no hidden setup charges.

📌 Payoneer vs PayPal in Pakistan

Feature	Payoneer	PayPal (Unofficial)
Available in PK	✅ Yes	❌ No (Workarounds only)
Direct Bank Link	✅ Yes	❌ Difficult
Legal to Use	✅ 100%	❌ Not recommended
AdSense & Amazon	✅ Supported	✅ With US PayPal
Ease of Use	⭐⭐⭐⭐	⭐⭐

👉 Verdict: Payoneer is legal, reliable, and safer for Pakistani users.

💬 Frequently Asked Questions (FAQ)

Q1: Is Payoneer free to use in Pakistan?
Yes, account creation and bank withdrawals are free (minor currency conversion applies).

Q2: Can I link Payoneer to Fiverr or Upwork?
Yes, both officially support Payoneer for freelancer payouts.

Q3: Is a bank account necessary?
Yes, to withdraw your funds in PKR, a Pakistani bank account is required.

Q4: Can I open a Payoneer account under 18?
No. You must be 18+ to legally register.

Q5: What if I enter the wrong information?
It may lead to rejection or withdrawal issues. Always use real & verifiable details.

My Final Thoughts:

If you’re working online or planning to earn through freelancing, blogging, affiliate marketing, or e-commerce, then Payoneer is your best legal, secure, and free option in Pakistan.