Best freelancer payment methods in Pakistan

Freelancing provides diverse options to individuals worldwide. Pakistan is a significant player in the freelancing industry and has a significant freelancer population.

Choosing the best freelancer payment methods in Pakistan is, however, one of the most significant obstacles these skilled professionals face. Let’s investigate the most dependable and effective payment methods.

Also read: How to start Freelancing in Pakistan?

10 Best freelancer payment methods in Pakistan?

1. PayPal

Although PayPal doesn’t officially operate in Pakistan, many freelancers use this platform for receiving payments. It’s a universally accepted method, providing convenience for clients worldwide. A friend or family in a PayPal nation must help you establish an account.

Pakistani PayPal account and payment method setup:

  • Click “Sign Up” in the upper right corner of PayPal’s webpage.
  • Choose “Personal Account” and enter your email and a secure password.
  • Fill out your personal information and click “Agree and Create Account”.
  • Verify your email address by clicking the link emailed to you.
  • Link your bank account or credit/debit card. Not all Pakistani banks support PayPal.
  • Enter the verification code from your connected card/bank account to confirm your payment method.
  • Global payments are now possible via PayPal.

2. Payoneer

Payoneer is a robust alternative to PayPal and operates officially in Pakistan.

Sign-up process:

  • Go to Payoneer’s website and click “Sign Up”.
  • Provide your details.
  • Once your account is approved, you can receive your Payoneer MasterCard by mail.
  • Activate the card, and you’re ready to receive payments.

3. Skrill

Skrill is another globally accepted payment gateway. It’s easy to use and offers robust security for your transactions.

How to create a Skrill account:

  • Visit the Skrill website and click “Register”.
  • Provide the required details.
  • After verification, your account will be ready to receive payments.

4. Western Union

Western Union is a conventional yet reliable method, allowing direct cash pick-ups.

To receive money through Western Union:

  • Provide your client with your necessary information.
  • Once they send the money, you’ll receive a Money Transfer Control Number (MTCN).
  • Visit a Western Union outlet, provide the MTCN, show your ID, and collect your money.

5. Direct Bank Transfers

Direct bank transfers are a secure way of receiving payments, though they might involve higher fees.

Receiving a bank transfer:

  • Provide your client with your bank account details.
  • Your client can then initiate a direct bank transfer.

6. JazzCash

JazzCash is a local champion in Pakistan for receiving freelance payments.

To create a JazzCash account:

  • Register for a JazzCash account using a JazzCash Agent, Jazz Point, or JazzCash Mobile App.
  • Provide your mobile number and CNIC.
  • Set your MPIN.
  • Your JazzCash Mobile Account will be ready for use.

7. Xoom by PayPal

Xoom, a service by PayPal, allows freelancers to receive payments in Pakistan.

How to receive money through Xoom:

  • Provide your client with your necessary details.
  • The client will send the money through Xoom.
  • You can pick up the cash at a designated location or have it transferred to your bank account.

8. Wire Transfer

Wire transfers are effective but often come with higher fees.

To receive a wire transfer:

  • Give your client your banking details, including SWIFT code and IBAN.
  • Your client will initiate the wire transfer.

9. Bitcoin and Other Cryptocurrencies

Cryptocurrencies like Bitcoin provide lower fees and faster transactions.

To receive payments in Bitcoin:

  • Create a Bitcoin wallet.
  • Provide your Bitcoin address to your client.
  • The client can then send you the payment in Bitcoin.

10. Remitly

Remitly is gaining popularity for its quick service and lower transaction fees.

How to receive money through Remitly:

  • Provide your client with your necessary details.
  • Your client sends the money through Remitly.
  • You can collect the cash at a Remitly location or have it transferred to your bank account.

Payment Methods for Local Payments for Pakistani Freelancers

Freelancing in Pakistan has been on the rise. Consequently, the need for reliable and efficient local payment methods has grown. Here are five excellent payment methods for Pakistani freelancers to receive payments locally.

1. JazzCash

JazzCash is a mobile banking solution that allows freelancers to easily receive payments from local clients.

Creating and Using a JazzCash Account:

  • Download the JazzCash app or dial *786# from your Jazz SIM.
  • Register by entering your CNIC and setting up a Mobile Account Personal Identification Number (MPIN).
  • You can now start receiving payments into your JazzCash account.

2. Easypaisa

Easypaisa is another excellent mobile banking platform for freelancers. It’s secure, reliable, and widely used in Pakistan.

Creating and Using an Easypaisa Account:

  • Download the Easypaisa app from your device’s app store.
  • Sign up with your mobile number and create a password.
  • Verify your account using your CNIC number.
  • Start receiving payments into your Easypaisa account.

3. Direct Bank Transfers

Direct bank transfers are a conventional and secure method for local transactions. Most Pakistani banks offer online banking services, making it convenient to receive payments.

Receiving Payments via Bank Transfers:

  • Provide your client with your bank account number, branch code, and other necessary details.
  • The client can then transfer the money directly to your bank account.

4. UBL Omni

UBL Omni is another convenient method to receive payments. It offers flexibility by allowing cash withdrawals from any of the UBL Omni Dukaans located across Pakistan.

Receiving Payments via UBL Omni:

  • Give your client your CNIC number.
  • The client will send the money to your CNIC number.
  • You will receive an SMS with a transaction ID.
  • Visit a UBL Omni Dukaan, present your CNIC and the transaction ID to collect your money.

5. Cash Delivery

Though it might sound old-fashioned, cash delivery can sometimes be the simplest and most convenient option, especially when dealing with clients in the same city.

Receiving Payments via Cash Delivery:

  • Arrange a meeting with your client.
  • Receive your payment directly in cash.

Security, convenience, and transaction costs should decide your payment method. Choose one that simplifies freelancing.

Choosing the Best Payment Method: Factors to Consider

Now that we have discussed the best freelancer payment methods in Pakistan, let’s consider some crucial factors that can help you make the right choice.

1. Transaction Fees

Consider the transaction fees associated with each payment method. Lower fees mean more income in your pocket.

2. Speed of Transfer

Time is money. Evaluate the time taken by each method for transferring payments.

3. Ease of Use

The simplicity of the interface and ease of transaction can significantly impact your choice of the payment method.

4. Security

Ensure that the payment method you choose offers robust security measures to protect your hard-earned money.

5. Client Preference

Remember, the preference of your international clients also matters. Choose a payment method that is globally accepted and convenient for your clients.


Which payment method is best for freelancers?

Due of its worldwide acceptability, safe transactions, and user-friendly interface, PayPal is the finest freelancer payment option. If PayPal isn’t available, Payoneer, bank transfers, and local mobile banking services are good alternatives. Location, convenience, and necessities determine the freelancer’s option.

Which bank account is best for freelancers in Pakistan?

Standard Chartered is Pakistan’s finest bank for freelancers owing to its extensive internet banking and global reach. HBL and Meezan Bank are also popular, providing convenient online services and competitive freelancer advantages. Transaction frequency, foreign customer base, and convenience determine the best bank.

Which payment method is most successful?

PayPal has the largest user base and is accepted in many countries. Its security, user-friendliness, and adaptability for personal and commercial transactions make it successful. Regional preferences, availability, and user needs determine the “most successful” payment mechanism.

What is the future of freelancing in Pakistan?

Freelancing in Pakistan is one of the fastest-growing industries. Pakistani freelancers should anticipate additional chances due to internet usage, technical developments, and government measures to promote digital skills. Freelancing may soon contribute significantly to Pakistan’s economy based on this development trend.


Choosing the correct payment option might impact your career in freelancing. You may choose Pakistan’s top freelancer payment options by considering the aforementioned elements.

Choose a safe, convenient option like PayPal, Payoneer, Skrill, or another. To focus on great work rather than finances, make freelancing easy.


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