Payoneer offers an incredible payment solution for those who receive money from Payoneer affiliates. Payoneer in Pakistan is a particularly beneficial option since the world's most popular payment option Paypal is not generally available in Pakistan.
However, for those who are using Payoneer for the first time, it can be fairly confusing at first. This article will discuss everything you need to know regarding how to use Payoneer in Pakistan.
WHAT IS PAYONEER?
Avid followers of this blog, if there are any, will already know that Payoneer is a payment solution company that issues Prepaid MasterCard Debit Cards to freelancers and other people receiving income from foreign countries.
Payoneer cards can be used in Pakistan. How it works is that you receive money through a number of Payoneer partners (including Freelancer.com, oDesk.com, Elance.com etc). Once the money is loaded onto your card
You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)
WHAT ARE THE ADVANTAGES OF USING PAYONEER?
Since Paypal is not available in Pakistan, Payoneer remains the most reliable way to receive money from clients abroad. Although at times you may feel like the fees are high, you are guaranteed on-time money (within 2 hours of loading if urgent load option is selected).
You can withdraw money from select ATMs across Pakistan, or use the money at POS terminals at petrol pumps, shops, restaurants and other vendors. If you decide to go for Payoneer, you don't have to rely on local banks, which have a habit of charging hidden fees.
HOW DO YOU SIGN UP FOR PAYONEER IN PAKISTAN?
You can either sign up for Payoneer by clicking here (annual charge instead of monthly charge + $25 bonus once you load $100 to your card)
WHAT ARE THE PAYONEER FEES?
Below is the fee table for the card if you decide to order from this site. If you decide to order it through a specific partner, check out the fees for that specific card when applying for it. Most cards have the same fee structure, except instead of an annual fee of $29.95, they have a monthly fee of $3 (totalling to $36 per year).
You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)
HOW LONG DOES IT TAKE TO SHIP PAYONEER CARD TO PAKISTAN?
We did a survey and found that the average time it takes to ship Payoneer card to Pakistan is less than 25 calender days. This means that if you select regular shipping option, you can get your card within the calender month.
A large number of people got their cards within 20 days, but for some exceptional cases, it took as many as 40 days..
If you need your card urgently, you can pay extra and have it couriered to you within three working days. However, in order to do this, you have to pay a hefty fee.
HOW TO USE PAYONEER IN PAKISTAN IN 2015?
We have written in great detail about how to use Payoneer in Pakistan before, but since those posts are quite old now, we decided to write a new post about how to use Payoneer in Pakistan in 2015.
Once you apply for the Payoneer card here:
1. ACTIVATE YOUR PAYONEER IN PAKISTAN
However, for those who are using Payoneer for the first time, it can be fairly confusing at first. This article will discuss everything you need to know regarding how to use Payoneer in Pakistan.
WHAT IS PAYONEER?
Avid followers of this blog, if there are any, will already know that Payoneer is a payment solution company that issues Prepaid MasterCard Debit Cards to freelancers and other people receiving income from foreign countries.
 |
| Payoneer.com |
Payoneer cards can be used in Pakistan. How it works is that you receive money through a number of Payoneer partners (including Freelancer.com, oDesk.com, Elance.com etc). Once the money is loaded onto your card
You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)
WHAT ARE THE ADVANTAGES OF USING PAYONEER?
Since Paypal is not available in Pakistan, Payoneer remains the most reliable way to receive money from clients abroad. Although at times you may feel like the fees are high, you are guaranteed on-time money (within 2 hours of loading if urgent load option is selected).
 |
| Source: Payoneer.com |
You can withdraw money from select ATMs across Pakistan, or use the money at POS terminals at petrol pumps, shops, restaurants and other vendors. If you decide to go for Payoneer, you don't have to rely on local banks, which have a habit of charging hidden fees.
HOW DO YOU SIGN UP FOR PAYONEER IN PAKISTAN?
You can either sign up for Payoneer by clicking here (annual charge instead of monthly charge + $25 bonus once you load $100 to your card)
OR
you can sign up directly through your Payoneer partner and pay a monthly fee and receive no bonus.WHAT ARE THE PAYONEER FEES?
Below is the fee table for the card if you decide to order from this site. If you decide to order it through a specific partner, check out the fees for that specific card when applying for it. Most cards have the same fee structure, except instead of an annual fee of $29.95, they have a monthly fee of $3 (totalling to $36 per year).
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| Payoneer in Pakistan Fee Chart (Source: Payoneer.com) |
You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)
HOW LONG DOES IT TAKE TO SHIP PAYONEER CARD TO PAKISTAN?
We did a survey and found that the average time it takes to ship Payoneer card to Pakistan is less than 25 calender days. This means that if you select regular shipping option, you can get your card within the calender month.
 |
| Image taken from smashingsoftwares.blogspot.com |
A large number of people got their cards within 20 days, but for some exceptional cases, it took as many as 40 days..
If you need your card urgently, you can pay extra and have it couriered to you within three working days. However, in order to do this, you have to pay a hefty fee.
HOW TO USE PAYONEER IN PAKISTAN IN 2015?
We have written in great detail about how to use Payoneer in Pakistan before, but since those posts are quite old now, we decided to write a new post about how to use Payoneer in Pakistan in 2015.
Once you apply for the Payoneer card here:
1. ACTIVATE YOUR PAYONEER IN PAKISTAN
- Tear open the envelope you have received from Payoneer in the mail
- Unpack the card and take out the activation instructions letter
- Go to your PC
- Go to www.payoneer.com
- Click on Activate your card in the panel on the right
- Enter your account details to login to your Payoneer online account (these are the same details you chose when you ordered the card). The username is your email address and the password is what you chose it to be..
- Once you login, you will see a button you can click to activate your card. Click it!
- Enter the 16 digit card number located on your card, and choose a 4 digit pin number.
- Celebrate the activation of your card!
2. USE YOUR PAYONEER IN PAKISTAN
- Your Payoneer card can be used in thousands of locations across Pakistan
- You can withdraw money from selected ATM machines all over Pakistan.
- Keep reading for list of Payoneer ATMs in Pakistan
- View this list of MasterCard ATMs in Pakistan. Make sure you look out for the MasterCard LOGO on the machine before you insert your card
- Read on to see Payoneer ATM limit in Pakistan
- Remember that all transactions in Pakistani ATM machines are done in Pakistani Rupees.
- Remember: DO NOT CHECK ATM BALANCE FROM THE ATM but to check it online. Most machines in Pakistan do not support checking of balance of MasterCard cards, and your card could get stuck if you try.
- You can also use your Payoneer MasterCard debit card at any shop, petrol pump or restaurant that accepts MasterCard payments. All big stores etc accept this method of payment.
- You must enter in the AMOUNT IN RUPEES after converting the dollar amount that is in your card. You can only withdraw in rupees and not in dollars in Pakistan.
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| Source: Payoneer.com |
WHICH ATMS DOES PAYONEER IN PAKISTAN WORK?
All MasterCard ATMs. Currently, the following banks support MasterCard ATM transactions:
- Samba Bank - Samba Bank is the best option since the bank itself does not charge any fee
- Muslim Commercial Bank - MCB charges Rs. 250 fee
- Standard Chartered Bank - SCB charges Rs. 300 fee
- Royal Bank of Scotland (Faysal Bank) - Unsure about fee but it is not very reliable
- Citibank - Citibank only has a few branches and ATMs left in Pakistan
Here is a list of MasterCard ATMs in Pakistan
WHAT IS THE PAYONEER IN PAKISTAN TRANSACTION LIMIT?
The per-transaction limit depends on the machine. Most MCB machines, all Samba and all SCB machines allow users to withdraw Rs. 20,000 per transaction.
There is no limit on the number of transactions but different Payoneer cards have withdrawal limits so you should check that out when ordering your card.
Feel free to leave questions, comments and suggestions below.
Kia 30$ dollar widhraw kara saktay hain agr han tou uss ki fees kia hogi aur jab hum withdraw karaingy tou wo fees humaray account se katy gi ya humaray withdraw ki huwi rakam se katy gi please iss ka jawab dein
I would recommend that you use Samba Bank and withdraw Rs. 2500.
The fees depends on your card, but most cards have a fee of $3.15 and a 3% fee on exchange rate (if the market exchange rate is 101, you can expect an exchange rate of 98).
$30-3.15 = $26.85
$26.85 * 98 = Rs. 2631
If you use MCB, you have to pay an extra fee of Rs. 250 and if you use SCB, you have to pay an extra fee of Rs. 300. If you use these banks, withdraw Rs. 2000.
Since you can only withdraw in multiples of 500s, you can withdraw 2500.
It might be a better idea to use the money at a shop, restaurant or petrol pump since you will not have to pay the ATM withdrawal fee.
All money is cut from your account and not the cash you withdraw. Your account cannot go into negative so make sure not to try withdrawing more money than is in your account after the fee, or your card can get eaten up or you can get charged a failed transaction fee of upto $1.
You can WITHDRAW your money from your card through a Samba Bank ATM.
the issuse is i didnt transfer fund in payoneer account using this ALHABIB visa card..
my internet banking is also active but i failed to transfer funds in Payoneer account..
plz tell me the solution of this problem
Also, are you sure your card is working properly online? That could be another issue.
Can i load money in it from other source other than fiver?
What will be a fee if i withdrawal 34$?
Yes, you can load from most Payoneer partners as well as load your card privately (but this is limited on Fiverr cards - unlimited if you order your card from this site). Private load from any visa / mastercard debit/credit card can be done here - load.payoneer.com
Send me a screenshot of your fee schedule from your account and I will tell you how much fee you will get charged. It varies depending on where you ordered your card from.
Very informative and helpful.
If I am correct, for 10,000PKR transaction from say SCB with present Dollar Exchange rate (101.78), my payoneer will show a transaction of around 107.39$?
10,000PKR is = 98.25$.
Transaction fee = 3.15$.
3% Exc. fee = 3.05$.
SCB Fee = 2.95$.
Adding all is 107.39$.
Kindly tell for online shopping or card swap at any shop there is no Bank fee or anything else other than 3% exchange fee and 3.15$ transaction fee?
25$ bonus I heard gets adjusted in card issuing fee, it is not usable? correct me if I am wrong
Regards
Owais
If you withdraw 10,000 PKR, that is right, you will be charged APPROXIMATELY $107.39. But the Exchange Rate mastercard offers is slightly different from that on Google so it might change slightly.
There is no transaction fee on online shopping or card swap either. The only fee is the 3% exchange fee.
If you order the card from this site, you will get charged an annual fee that is around $25. If you for example load $100 onto your card, your first year fee will kind of be subsidized and your account will get $100 - $29.95 (annual fee) + $25 bonus = around $95.
If i am unclear please let me know and i will try to rewrite this better
Glad to hear that I don't have to pay anything else then the 3% exchange rate on card swap/online shopping.
hope our conversation proves helpful for other learners as well.
Thanks once again & keep up the good work!!
BTW, fees vary dependign on where you ordered the card from. You can find your card's fee schedule on your account page once you login here myaccount.payoneer.com
Good luck and thank you :)
While online shopping or at petrol pumps/ restaurants, I think in addition to 3% fee, 3.15$ transaction will also apply. My card fee structure is same as yours, it says "ATM withdrawals or Cash Disbursement(via bank teller or in-store) fee per transaction is 3.15$
You can also withdraw upto Rs. 20,000 from both Standard Chartered and Samba Bank. You can also use Faysal Bank (but only ATMs that were previously belonging to Royal Bank of Scotland before Faysal Bank took it over)
I checked the status on my account I have been charged for two transaction rs 56$ +56$
My remaing balance is 101$.
So question here is this limit is initiated by Payneer or MCB ATM?
Does each ATM (same bank or different) have same limits or different?
Also do you think If I go to another MCB Bank branch today then I will again able to withdraw more? OR now I have to wait for 24 hours to cross daily limits.