Payoneer is one of the most popular global payment solutions in Pakistan, especially among freelancers, Amazon sellers, and digital service providers. If you want to receive payments from international clients without visiting any bank branch, this guide will show you how to open a Payoneer account entirely online.
What Is Payoneer and Why It Is Popular in Pakistan?
Payoneer is an online financial service that allows users to receive international payments from platforms like Fiverr, Upwork, Amazon, ClickBank, YouTube, and direct clients.
Why Pakistanis Prefer Payoneer?
- No bank visit required — account setup is 100% online
- Accepts Pakistani CNIC for ID verification
- Supports JazzCash & local bank withdrawals
- Low fees compared to PayPal and traditional banks
- Fast processing time for global transfers
Requirements for Creating a Payoneer Account
Before applying, make sure you have:
✅ Valid CNIC or Passport
✅ Active email address
✅ Local bank account (optional but recommended)
✅ JazzCash account (optional)
✅ Mobile number registered on your CNIC
Step-by-Step Process to Open a Payoneer Account Online
1. Sign-Up Procedure
- Visit www.payoneer.com
- Click Sign Up & Earn $25 (if referral available)
- Choose your account type (Freelancer / Online Seller / Individual)
- Enter Personal Details exactly as per CNIC
- Provide Address & Contact Information
- Set Password & Security Questions
2. Identity Verification
- Upload a clear photo of your CNIC (front & back) or Passport
- Sometimes, Payoneer may ask for Selfie holding CNIC
- Verification usually completes within 24 to 72 hours
3. Linking to JazzCash / Bank Account
Option 1: Link JazzCash to Payoneer
- Open JazzCash App
- Go to “My Account” → “Link Payoneer”
- Log in with your Payoneer email
- Your Payoneer balance will appear inside JazzCash
Option 2: Link Local Bank
- Log in to Payoneer Dashboard
- Go to Settings → Bank Accounts
- Enter Bank Name, IBAN, and Account Title
How to Receive International Payments in Payoneer
- Use Global Receiving Accounts (USD, GBP, EUR)
- Share Bank Details provided by Payoneer with your client/platform
- Payments from Fiverr, Upwork, Amazon, and others are directly supported
Common Issues and Verification Rejections
| Issue | Reason | Solution |
|---|---|---|
| Document Rejected | Blurry CNIC | Upload high-resolution image |
| Account On Hold | Wrong Details | Ensure Name & Address match CNIC |
| Bank Linking Failed | IBAN mismatch | Enter correct IBAN format for Pakistan |
Payoneer vs PayPal vs Wise – Which Is Better?
| Feature | Payoneer | PayPal | Wise |
|---|---|---|---|
| Available in Pakistan | ✅ Yes | ❌ No (Indirect) | ✅ Yes |
| Withdrawal to JazzCash | ✅ Yes | ❌ No | ❌ No |
| Best for Freelancers | ✅ | ✅ | ✅ |
| Fees | Moderate | High | Low |
Winner for Pakistan: Payoneer
Frequently Asked Questions (FAQ)
Q1: Can I open Payoneer without a bank account?
➡ Yes. You can sign up without a bank, but to withdraw money, you’ll need JazzCash or Bank Account linked later.
Q2: How long does Payoneer verification take?
➡ Normally 24–72 hours, depending on document clarity.
Q3: Does Payoneer work with JazzCash?
➡ Yes. Payoneer is officially partnered with JazzCash in Pakistan, allowing direct withdrawals.
