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How Do Freelancers Get Paid In Pakistan?

One of the biggest concerns of freelancers in Pakistan is how they will get paid for their services. 

With various payment methods available, it’s important for freelancers to understand which options are safe, efficient, and reliable.

This article will explore the different payment methods available for freelancers in Pakistan. 

From traditional bank transfers to online platforms such as PayPal and Payoneer, we will discuss the benefits and drawbacks of each method so that you can make an informed decision on how you want to receive payments as a freelancer in Pakistan.

Popular Payment Methods

How do freelancers get paid in Pakistan?

Here are some of the most popular payment methods used in Pakistan right now.


PayPal is a globally recognized online payment platform that enables individuals, businesses, and freelancers to send and receive money from anywhere worldwide. 

Freelancers in Pakistan can use PayPal to receive payments for their services by creating an account on the platform. 

One of the pros of using PayPal as a freelancer in Pakistan is that it provides a secure and convenient way to get paid. 

It eliminates the need for physical cash transactions or lengthy bank transfers.

However, there are also some cons to using PayPal as a payment method in Pakistan. 

First, not all clients may be willing to pay through PayPal due to its high transaction fees compared to other platforms. 

Due to certain legal restrictions, PayPal does not operate directly in Pakistan. 

Freelancers have limited options for withdrawing their earnings from PayPal accounts without access to third-party services like Payoneer.


Payoneer is a popular payment platform widely embraced by freelancers in Pakistan. 

The service allows freelancers to receive payments from clients worldwide and withdraw their earnings using local banks or ATMs. 

With Payoneer, freelancers can bypass the challenges of traditional banking systems, such as high fees, long wait times for transactions to process, and limited access to international currencies.

In addition to providing a seamless payment experience, Payoneer also offers other benefits, such as low withdrawal fees and competitive exchange rates. 

Freelancers can also take advantage of features like invoicing tools and tax preparation services offered by the platform. 

With its user-friendly interface and excellent customer support, Payoneer has become an essential tool for many Pakistani freelancers who rely on it for timely payments and hassle-free withdrawals.

Payoneer has revolutionized how freelancers in Pakistan get paid, offering them greater financial freedom and flexibility than ever before. 

Its popularity is likely to continue growing as more people recognize its value as a reliable payment platform that caters specifically to their needs as independent workers in a global marketplace.

Bank Transfer

One of the most common ways freelancers receive payment in Pakistan is through bank transfer. 

This method involves transferring funds electronically from the client’s account to the freelancer’s account. 

It is a safe and reliable way to receive payments, eliminating the need for physical cash transactions.

To receive payments via bank transfer, freelancers must provide their clients with their bank account details, including their account number and routing number. 

Once the client initiates the transfer, it typically takes 2-5 business days for funds to be credited into the freelancer’s account.

Freelancers must ensure they use a reputable bank and keep their personal information secure. 

They should also double-check all banking details before providing them to clients to avoid any errors or delays in receiving payment. 


Skrill is a popular online payment platform facilitating easy money transfers for freelancers in Pakistan. 

It allows users to send and receive payments worldwide, making it an excellent choice for those working remotely. 

Skrill accepts various currencies, including Pakistani Rupee (PKR), which makes it convenient for Pakistani freelancers to receive payments directly in their local currency.

Using Skrill, freelancers in Pakistan can withdraw funds directly to their bank accounts or via mobile wallets such as JazzCash and Easypaisa. 

This feature saves them time and hassle compared to traditional wire transfers or check payments. 

Moreover, Skrill offers competitive exchange rates with low transaction fees, making it an affordable option for small businesses and individuals.

Skrill also provides advanced security measures such as two-factor authentication and anti-fraud detection systems to protect its users’ financial information. 

With its user-friendly interface and reliable customer support, Skrill is becoming increasingly popular among freelancers in Pakistan who want a fast, secure, and efficient way of receiving payments from clients worldwide.

TransferWise / Wise

TransferWise is a revolutionary platform that makes it easy for Pakistani freelancers to receive payments from clients overseas. 

With TransferWise, freelancers can receive payments in their local currency without worrying about exchange rate fees or other hidden costs that often come with traditional money transfer methods.

One of the key benefits of using TransferWise is that it allows freelancers to receive payments faster than ever before. 

Instead of waiting several days or weeks for a payment to clear, payments made through TransferWise are typically processed within just a few hours.

Another advantage of using TransferWise is that it offers competitive exchange rates, which means you can get more money in your pocket when you convert your earnings into Pakistani rupees. 

Plus, with its user-friendly interface and simple setup process, getting started with TransferWise couldn’t be easier. 

Western Union

Another commonly used platform is Western Union, which allows users to send and receive money from virtually anywhere in the world. 

With thousands of locations across Pakistan, freelancers can easily access their funds without waiting for bank transfers or dealing with currency conversions.

To receive payments through Western Union, freelancers must provide their clients with their full name and address as it appears on their government-issued identification card. 

Once the payment is sent, freelancers can pick up their funds at a nearby agent location by presenting the necessary identification documents and transaction details.

This payment method provides a convenient and reliable option for freelancers looking to receive payments quickly and securely. 

Taxes and Regulations for Freelancers in Pakistan

Freelancing is rapidly gaining popularity in Pakistan, and many individuals see it as a lucrative source of income. 

However, freelancers in Pakistan must comply with the country’s tax regulations. 

According to Pakistani law, any individual earning an annual income exceeding 400,000 PKR (around $2,500) must file taxes. 

Freelancers must register with the Federal Board of Revenue (FBR), obtain a National Tax Number (NTN), and file annual tax returns.

How to register for tax as a freelancer

As a freelancer in Pakistan, registering for tax is an important process to ensure that you operate legally and avoid any potential fines or penalties. 

The first step is to obtain a National Tax Number (NTN) from the Federal Board of Revenue (FBR). 

This can be done online by filling out the registration form on the FBR website and submitting it with the necessary documents.

Once you have obtained your NTN, you must register for Sales Tax if your annual income exceeds Rs. 5 million. 

You can do this through the same online process on the FBR website. 

Also, freelancers who earn income from outside Pakistan may need to file for tax returns in other countries where their clients are based.

Keep track of all your earnings and expenses as a freelancer so that you can accurately report them during tax season. 

Understanding tax deductions

Freelancers in Pakistan must pay taxes on their income like any other professional. 

However, they can benefit from several tax deductions that help lower their taxable income. 

One of the most significant deductions is related to home office expenses, which include rent or mortgage payments, utility bills, and internet charges. 

Freelancers can also claim a deduction for depreciation on their computer equipment and software used for work purposes.

Another notable tax deduction for freelancers is business-related travel expenses incurred during work. 

This includes airfare, lodging, meals, and transportation costs associated with attending conferences or meetings related to their profession. 

In addition to these deductions, freelancers in Pakistan may also benefit from claiming expenses incurred towards health insurance premiums and contributions made towards retirement plans.

We advise you to consult with a tax professional or accountant who can guide how to optimize available deductions based on one’s financial situation.

Payment Security

As a freelancer, it is crucial to ensure that you secure your payments. 

In Pakistan, freelancers have various payment methods, such as Skrill, Payoneer, and wire transfers. 

However, each method has its challenges regarding security.

PayPal is an international payment platform that allows freelancers to receive payments from clients worldwide. 

Still, it has some limitations in Pakistan due to the country’s restrictions on sending and receiving funds through this platform. 

Moreover, PayPal charges higher transaction fees than other platforms like Payoneer.

Another popular payment option for Pakistani freelancers is Payoneer. It offers a prepaid Mastercard that can be used at any ATM or store that accepts Mastercard worldwide. 

However, there are still some issues with Payoneer’s services in Pakistan as they do not support all banks in the country.

Tips for ensuring payment security

One of the best ways to do this is through a payment gateway that offers buyer and seller protection. 

Western Union, Skrill, and Payoneer are popular options for freelancers in Pakistan. 

Make sure to read their terms and conditions thoroughly before signing up.

Another tip for ensuring payment security is always to use a contract or agreement when working with clients. 

Clearly define your terms of service, including payment schedules and methods. 

This protects you from non-payment and sets expectations for the client.

Lastly, keeping thorough records of all transactions and client communication regarding payments is important. 

In case of any dispute or issue, these records can be used as evidence in resolving the matter. 

Using escrow services

There are several payment methods, but one option that can be particularly useful is using escrow services. 

An escrow service is a third-party mediator between the client and the freelancer. 

This means that when the client pays for the project or service, it goes into an account held by the escrow company until both parties agree that all contract terms have been met.

Using an escrow service helps to protect both parties involved in a transaction. 

The freelancer can rest assured that they will get paid once they complete their work, and clients are protected from fraud or incomplete projects. 

Escrow services also help to build trust between freelancers and clients who may not know each other well or do not have extensive experience working together.

Negotiating Payment Terms

How to negotiate payment terms with clients

As a freelancer, negotiating payment terms with clients can be tricky. 

First, establish clear communication with clients from the start to avoid misunderstandings later on. 

One effective strategy is offering different payment options, such as hourly or project-based fees.

Then set boundaries and expectations early on in the negotiation process. This includes discussing deadlines and milestones for payment and outlining any additional costs or fees that may be incurred during the project.

When negotiating payment terms with Pakistani clients, it’s essential to be respectful and professional throughout the process. 

Understanding payment milestones

Payment milestones are specific points in a project where payments are made based on the completion of certain tasks or deliverables. 

This ensures that the freelancer is paid for their work and that the client receives what they paid.

In Pakistan, many clients prefer to pay in installments rather than a lump sum at the end of a project. 

Freelancers should negotiate these payment terms before accepting work and ensure that both parties agree on payment milestones. 

It’s also essential to set clear expectations for what constitutes the completion of each milestone so that there is no confusion or disagreement later on.

Tips for avoiding payment disputes with clients

  • Establish clear payment terms: Before starting work, establish clear payment terms with your clients. This includes the agreed-upon amount, due date, and mode of payment. Having a written agreement can help prevent misunderstandings or discrepancies later on.
  • Communicate regularly: Regular communication with your clients can help avoid payment disputes. Keep them updated on project progress and any changes in the scope of work that may affect the payment timeline.
  • Invoice promptly: Send invoices promptly after completing a project or reaching a milestone as agreed upon in the contract. Clearly state all relevant details such as the amount due, due date, and any applicable late fees.
  • Follow up on overdue payments: If a client misses a payment deadline, follow up with them promptly to inquire about their plans for paying you back.
  • Be professional and courteous: Even if you’re frustrated by delayed payments or other payments-related issues, it’s important to remain professional and courteous when communicating with your clients about these matters.
  • Consider using escrow services: Consider using an escrow service like Payoneer or Skrill when working with international clients who cannot pay through local bank transfer methods commonly used in Pakistan.



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