What is Payoneer? Complete Guide for Freelancers & Online Earners in 2025

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Learn everything about Payoneer in this 2025 guide: how to create an account in Pakistan, withdraw money, link with PayPal, and receive freelancing payments safely and quickly.

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What is Payoneer?

Payoneer is a global financial services platform that allows individuals and businesses to send and receive international payments. It works like an online bank account and is the best alternative to PayPal in countries like Pakistan where PayPal is not officially available.

Official Website: https://www.payoneer.com

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Why Use Payoneer?

• 🌐 Accept payments from clients worldwide

• 💳 Get free virtual bank accounts (USD, EUR, GBP, etc.)

• 💼 Receive money from freelancing platforms (Fiverr, Upwork, etc.)

• 💸 Withdraw directly to your Pakistani bank account

• 💳 Use the Payoneer Mastercard for global shopping or ATM use

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How to Create a Payoneer Account in Pakistan (Step-by-Step)

1. Visit: https://www.payoneer.com

2. Click “Sign Up”

3. Choose:

   • Freelancer or SMB

   • Online Seller

   • Affiliate Marketer

   • Or Personal Use

4. Fill in your details:

   • Full Name (as per CNIC)

   • Valid Email Address

   • Pakistani Phone Number

5. Add your CNIC, Date of Birth

6. Enter your Bank Details for withdrawals

7. Upload any requested documents for verification

⏳ Account activation may take 1-3 days.

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 How to Receive Money with Payoneer

You can get paid via:

• Freelance Platforms: Fiverr, Upwork, Freelancer.com

• Marketplaces: Amazon, eBay, Walmart

• Clients: Use the Global Payment Service to receive payments from US/UK/Euro clients

• Affiliate Programs: Many networks pay via Payoneer

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Payoneer to Bank Withdrawal (Pakistan)

1. Log in to your Payoneer account

2. Click “Withdraw to Bank”

3. Choose PKR Account

4. Enter the amount

5. Confirm transfer

🕒 Funds usually arrive in 1-3 business days

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Payoneer Prepaid Mastercard

You can order a Payoneer Mastercard (if eligible) and:

• Shop online globally

• Use at local ATMs that accept MasterCard

• Pay for ads, software, and subscriptions (e.g. Canva, Netflix, etc.)

🧾 Annual fee: ~$29 (deducted from your Payoneer balance)

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 Link Payoneer to PayPal (Working Method 2025)

If you have a US PayPal, you can link Payoneer's US Bank Account:

1. Log in to PayPal

2. Go to Wallet > Link Bank

3. Add Payoneer's US Routing & Account Number (from Global Payment Service)

4. Confirm via micro-deposit

This lets you withdraw PayPal funds into Payoneer, then to Pakistan bank.

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 Payoneer Fees (2025)

Service	Fee
Receiving from Fiverr	Free
Bank Withdrawal (PKR)	~2% above market exchange rate
Mastercard Annual Fee	~$29
Internal Transfer	Free between Payoneer accounts

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 Supported Countries & Currencies

• ✔️ Available in Pakistan, India, Bangladesh, UAE, USA, UK, and 150+ more

• 💱 Supports: USD, EUR, GBP, JPY, CAD, AUD, etc.

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Common Issues and Solutions

Problem	Solution
Delayed Payment	Contact Payoneer Support
Verification Pending	Upload clear documents
Mastercard Not Delivered	Use correct postal code & address
Can’t Link to PayPal	Use US-based PayPal with Payoneer

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Pros & Cons

Pros:

• 🌎 Global Payment Solution

• 🏦 Direct Bank Withdrawals

• 🔐 Secure & Reliable

• 💼 Perfect for Freelancers

Cons:

• ❌ Small withdrawal fee

• ⏳ Sometimes long verification time

• 💳 Mastercard not available to all users

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Payoneer Mobile App

• Track payments

• Withdraw to bank

• View balances

• Get alerts

Available on:

• Android (Google Play)

• iOS (App Store)

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Final Thoughts

Payoneer is the #1 solution for online earners in Pakistan. Whether you are a freelancer, affiliate marketer, dropshipper, or business owner, you can rely on Payoneer for safe, fast, and global payments.