Saturday, 3 January 2015

How to Use Payoneer in Pakistan in 2015

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.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).

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.
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

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.

131 comments:

  1. Can we withdraw 30$ from payoneer card in pakistan atm if yes so please tell me what is the fees and when i withdraw that they charge from my payoneer account or from my withdrown cash?

    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

    ReplyDelete
    Replies
    1. You can withdraw $30 from a Pakistan ATM.

      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.

      Delete
  2. hey, i recently activated my payoneer's mastercard with 0$ in account. how can i add funds in my mastercard? what do i have to say or provide samba bank to add funds?

    ReplyDelete
    Replies
    1. Hey, you can add funds to your card by loading it through any Payoneer Partner (some examples include Freelancer.com, Elance.com, oDesk.com etc). You can also load some cards from load.payoneer.com using a local debit card or credit card that supports online payment.
      You can WITHDRAW your money from your card through a Samba Bank ATM.

      Delete
    2. Please send me the activation fee method tell me what are the payment methods for paying activation fee and details about activation fee my email address is m.shoaib1201@gmail.com

      Delete
    3. Hey Shoaib, details of the activation fee depend on where you get your card from. If you get it from this site, there is no activation fee and you'll get a bonus of $25 upon loading $100 to your card (but you have to pay annual fee of $29.95)

      Delete
    4. Aoa Bro i m just get my Payoneer card and i also have Bank ALHABIB account.
      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

      Delete
    5. AOA brother. Can you specify where you ordered your card from? Some cards do not allow private load unless you have used your card sufficiently through the Payoneer partner through which you ordered it.

      Also, are you sure your card is working properly online? That could be another issue.

      Delete
  3. how can i add my payoneer card to freelancer.com?b/c i hav tried but three is no option on the website to add on freelancer.com plz help me

    ReplyDelete
    Replies
    1. AOA, you have to add it through Freelancer.com. Go to Freelancer.com and the withdraw page under the Finances tab. There, click on Freelancer MasterCard (or something like that) and add your card by entering your email address. If you have any trouble, let me know and I will help you further.

      Delete
  4. hi friend . i have activated my payoneer acount and now i want to do some online job please guide mee........

    ReplyDelete
    Replies
    1. AOA, kindly make an account on Freelancer.com or oDesk.com, complete your profile and then find projects you can work on. Once you find projects, place detailed bids on them and wait for employers to hire you. It might take a while but once you get a job and complete it, you can withdraw money onto your card

      Delete
  5. Salam. I have fiverr card. Can i use it for purchasing from ebay?
    Can i load money in it from other source other than fiver?
    What will be a fee if i withdrawal 34$?

    ReplyDelete
    Replies
    1. Salam. This depends on the particular seller on eBay. Some only accept Paypal while others accept MasterCard as well. If they accept MasterCard, you can use your Fiverr card on eBay.

      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.

      Delete
  6. Hello Abbas,
    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

    ReplyDelete
    Replies
    1. Hello Owais, I am glad you found it helpful.

      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

      Delete
    2. Thanks Abbas, yes you are very clear. I already have the card which I had ordered form some other website.

      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!!

      Delete
    3. No problem at all! Yes, it is best to use it directly instead of withdrawing through ATMs.

      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 :)

      Delete
    4. Hello Abbas,
      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$

      Delete
    5. Hi, oh yes you are right. I guess they must have changed this recently since before there was only a charge for ATM withdrawal.

      Delete
    6. Hello. Recently i went to MCB bank and the amount i could withdraw from my card was only 10,000 where as before i used to withdraw 20,000 multiple times. I guess they have put a limit on daily transactions. Can i withdraw 20,000 from standard chartered bank multiple times in a day or not?

      Delete
    7. Apart from Mcb and standered chartered do faysal bank also support payonner in pakistan?

      Delete
    8. Some MCB ATMs have a limit of Rs. 10,000 but most still have Rs. 20,000. I used my card at an MCB ATM a few days ago and was able to withdraw Rs. 18,000.

      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)

      Delete
  7. can u receive payment on my payoneer card from any freelance website?

    ReplyDelete
    Replies
    1. There are thousands of freelancing websites so I can't really answer your question. Many of the major freelancing sites out there do send payments through Payoneer, but you will need to check with the specific website you are using.

      Delete
  8. Today I tried to withdraw from MCB first time. I have 213$. First I try to withdraw 20K as I thought it will be withdrawn based on my calculation. But ATM says I am exceeding withdrawal limit, then I tried 15K but still same error, Then I try for 5K and it works fine, then I again try for more 5K and its again successfully, then I tried third time for 5K but again it said exceeding limit.
    I checked the status on my account I have been charged for two transaction rs 56$ +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?

    ReplyDelete
    Replies
    1. Hey, no, that's definitely a problem with the ATM and not Payoneer itself. Which bank did you use? Some branches of some banks have incorrect balance settings and so they do not let you withdraw so much. I have never come across a bank that only lets you withdraw 5k at once. There are some MCB ATMs that let me withdraw only 10k but most allow for 20k. Try Rs. 9500 at a different ATM (preferably Samba Bank). Let me know how it turns out

      Delete
    2. I used Muslim Commercial Bank MCB ATM. It allowed 10K in total. Bank cut 200Rs on each transaction. I think Samba Bank is not in my city. I will try Faisal Bank or SCB next time.
      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.

      Delete
    3. That is quite strange since I always thought the limit was PER TRANSACTION and not PER DAY. As far as I understand it, you should be able to withdraw more from another ATM. Yes please use SCB it will charge Rs. 300 but I think all their ATMs will allow Rs. 20,000 per transaction and multiple transactions per day upto card limit (mine is $5000).

      Delete
  9. Hello dear
    plz tell me is there any easy online earning site available where I can earn and withdraw with payoneer?

    ReplyDelete
    Replies
    1. No such thing as easy money on the internet

      Delete
    2. Yr Abbas it's so difficult to get work online at odesk or elance i have create an account lakin main un ki site ko smjh nae pa RHA or work nae mil RHA main Photoshop main kam krta Han icons bnata aisa nae ho sakta k ap ka bhi account tu hoga us PR ap mjhy work dain or main ap ko complete kr k Dn or paisy half half

      Delete
    3. I agree it is difficult but you need to be persistent and bid intelligently on projects. Complete your profile and keep working hard and eventually you WILL get something, which will make it easier to get projects in the future.

      Thanks for the offer, but I don't do partnerships like that anymore due to bad experiences in the past. Sorry

      Delete
  10. I have read on payoneer Blog that the limit is 2500$ but withdrawal may depend on your Bank ATM. I will look into other bank atm now, otherwise I will go with a payoneer Exchange. Thanks

    ReplyDelete
    Replies
    1. Yes try other bank ATMs please. As far as I know, bank limits only control limit per transaction and not total number of transactions. Good luck

      Delete
  11. hi abbas bhai
    if i have 47$ or 120$ in my payoneer account then how much i want to withdraw from MCB ATM and how much total fees for each withdrawal ?

    ReplyDelete
  12. If you have $47, you should withdraw Rs. 4,000 (exchange rate is approx 98 after 3% deduction) + Rs. 300 MCB fee + $3.15 transaction fee.). If you have $120, you should withdraw Rs. 11,000 (same fees as before). As you can see, it is better withdrawing a larger sum.

    ReplyDelete
  13. Is it possible that I transfer my funds from MCB Mobile Banking to my Payoneer account?

    ReplyDelete
    Replies
    1. I don't think so. You can load it from load.payoneer.com through a visa/mastercard debit or credit card.

      Delete
  14. hello sir g . card na milny par dubara kesy request krty hain . pls reply . thank you

    ReplyDelete
    Replies
    1. Payoneer support se rabta karen woh ap ko dubara card send kr den gay. kitna time ho gaya hai approve honey k baad?

      Delete
  15. Dear Abbas, it would be so nice of you if you could explain in detail "ALL" the methods for uploading funds into the payoneer mastercard. I would be so grateful for this guidance. I'll appreciate your early response.

    ReplyDelete
    Replies
    1. Fahad, first of all, sorry for the late response. I have prepared a post on how you can upload funds onto your Payoneer MasterCard. You can access it here:

      http://ezrupeeonline.blogspot.com/2015/07/how-to-load-payoneer-in-pakistan.html

      If you have any questions at all, please feel free to leave a comment. I will respond faster this time :)

      Delete
  16. Asslam Alaikum sir!!
    I created my payoneer account to earn on fiverr.. My card took almost 6 dayz to be approved... Now waiting fr activation...
    How long will it take fr my card to b delivered on my address??
    N if i dnt recieve it then what should i do??
    N 1 more question...
    Since i haven't recieve the card yet but when i try to login to my payoneer account it doesn't let me login with the error "wrong details".. What does that mean?? I can login only when i recieve the card?? Or there is some other prblm??
    Plzz let me know..

    ReplyDelete
    Replies
    1. AOA!

      1. It takes around 15-20 working days to be delivered
      2. If you don't receive it within 30 working days, contact Payoneer and ask them to ship it to you again.
      3. You should be able to login without a card (if i remember correctly). Go to "Forgot Your Password?" and reset it and login. It should work I think

      If you have any questions, feel free to leave a message. I will try to respond faster

      Delete
  17. how can i add $100 at once after the card activation

    ReplyDelete
    Replies
    1. You can either load it through a Payoneer Partner or use Private Load by visiting load.payoneer.com

      Please visit my post on how to load Payoneer cards in Pakistan here:

      http://ezrupeeonline.blogspot.com/2015/07/how-to-load-payoneer-in-pakistan.html


      If you have any further questions please feel free to comment I will reply faster next time!

      Delete
  18. how i connect my payoneer master card with freelancer.com when i try it puts some error.deposit error your card may be not authorized for online transactions.what is the problem?please help me

    ReplyDelete
    Replies
    1. Hey Memona, are you trying to load funds onto Freelancer or withdraw from freelancer? If you are trying to load funds on freelancer, I believe you cannot use Payoneer card since it is not a supported payment method. If you are trying to withdraw funds to your Payoneer card from your Freelancer.com account, go to Withdraw Funds and add your Payoneer account by selecting "Freelancer.com Debit Card option. Your Payoneer card can be used at most online vendors, except Freelancer.com and gambling/illegal websites.

      Delete
  19. Hi Friends!

    I have an account with Payoneer and Bank of America is providing services for my this account. So in last days i wanted to pay my Fee to NVC from my account and i decided to pay from my Payoneer account and i deposited into my Payoneer account and submitted online payment form but my payment rejected from Bank of America so i contacted with payoneer team but they said i can't pay from my account i can only use my MasterCard for online payments. So i decided to withdraw my fund via ATM so i used Standard Charted Bank ATM machine but when you are going to use ATM withdrawal method from your payoneer account keep in your mind that which machine you are going to use does that support MasterCard machine? If that machine does not support MasterCard your card maybe sucked or transaction will be failed. Any how I used ATM machine of Standard Charted Bank. I taken withdraw of 30000 PKR but they deducted from my account 324.16 USD. I surprised that fee was 3.15 USD per transaction but i paid 24.16 USD for two transaction. So it is so much costly. I wanted to add pic of my statement but here I can't. So be careful about ATM withdrawal.

    Abaid.

    ReplyDelete
    Replies
    1. Abaid, please read our latest post to see the latest cost of each transaction that you should expect. $3.15 is the ATM withdrawal fee, but there are other fees too. For instance, there is a 3% currency conversion charge (so you get Rs. 97 per dollar instead of Rs. 100 - approximately). Other than that, Standard Chartered charges Rs. 300 ($3) for using MasterCard in their ATM per transaction. It's better using Samba Bank since they do not charge any fee, and you only have to pay $3.15 per transaction and 3% currency conversion fee.

      Both banks I believe have a withdrawal limit of Rs. 20,000 per transaction. I hope this helps.

      Delete
  20. Hi Abbas,

    Thanks for the post your information is quiet helpful I have question please let me know I have $1500 in my payoneer card how much I can withdraw, which is the best bank and I need to withdraw the whole amount on same day please help me :)

    ReplyDelete
  21. Hi! I'm glad you found this post helpful.

    I would have recommended Samba Bank but it seems they no longer accept Payoneer Cards.

    From information I have, currently, the best rates are being provided by Bank Al Falah. You will need to make around 8 transactions of up to Rs. 20,000 each to withdraw the amount. You'll probably get charged around $205-208 per transaction of Rs. 20,000 so calculate how many transactions you need to make accordingly.

    I hope this helps!

    ReplyDelete
  22. About one 25 days have passed and not yet received my card. Now what to do.?

    ReplyDelete
    Replies
    1. Sorry to hear you have not yet received your card. I would advise you to wait ten more days, and if you still don't receive it, contact Payoneer support and have them ship another card to you.

      Don't rush asking them to send another card because the moment you request another card, they will permanently block the card they had first shipped to you and if you end up receiving it, you won't be able to use it and you'll have to wait really long before the new card reaches you!

      Hope this helps.

      Delete
  23. Hay ..dude ad clicking website is fake or not??

    ReplyDelete
    Replies
    1. I have never come across a genuine ad clicking website. I would avoid them if I were you.

      Delete
  24. I have never come across a genuine ad clicking website. I would avoid them if I were you.

    ReplyDelete
  25. yar ek problm hy mere sath mane card active sub kar liya hy jb online purchaise karta hon kuch to kehta hy ap ka card bnd ho chuka hy new hy abhi :(

    ReplyDelete
    Replies
    1. Are you trying to make online transactions on gambling or pornographic websites? Payoneer doesn't support such transactions. It should work perfectly every other place where MasterCard is accepted if the card has been activated properly

      Delete
  26. Hi. i forgot my pin code and i want to change , tell me

    ReplyDelete
    Replies
    1. Contact Payoneer support. That's the only way to change it.

      Delete
  27. Friend What Is Taxation On The Payoneer Transaction Or Funds Transfer..

    ReplyDelete
    Replies
    1. There is no taxation on Payoneer transactions.

      Delete
  28. What is the best withdrawal bank for payoneer right now ? as Samba bank is upgrading and not supporting Payoneer Master card now a days, so which other banks are not charging ATM access fee or is most convenient for withdraw money?

    Thanks for help

    ReplyDelete
    Replies
    1. Hi, apologies for the late response. Now that Samba Bank is hating on MasterCard, the best option is Bank Al Falah (which like Samba does not charge an access fee). I'll write a new post to update ATMs that accept MasterCard and rates you can expect from them. Stay tuned!

      Delete
  29. A.O.A Abbas Brother.
    I've got my payoneer master card few days ago. I need to pay online for some purpose. I'm not yet attached to any freelancing website. Is there any way that I can load money into my payoneer master card without the help of paypal, fiverr, odesk etc. If not than should I get registered to any of them and earn money for my payoneer master card? I've come to know that we cannot use a legal paypal account in Pakistan. So plz then guide me how I can solve my problem.

    ReplyDelete
    Replies
    1. AOA brother. Unfortunately, you can either load your card with money using a local debit card that works online, or load funds from Payoneer partners (including fiverr, odesk etc).

      If you don't have a local debit card that works online (which I am guessing you don't - since you need Payoneer to make online transactions), your best bet is to make an account on a Payoneer partner and try your luck earning some money there.

      I hope this helps. Sorry for the late response.

      Delete
  30. hello i ordered payoneer for two times but i did nt get it(they issued the card two times) now they are saying that it will deliver to you via dhl. can you help me out

    ReplyDelete
    Replies
    1. Hi Umar. Yes, they will charge you a considerable amount for delivering via DHL but you are guaranteed delivery. I think it costs approximately $25 for this kind of delivery and the card arrives within 10 days.

      Otherwise, you can try having the card delivered to another address. May I ask where you are based? If it is a smaller town, you might want to ask someone in a bigger city to receive your card from abroad and forward it to you via TCS.

      Delete
  31. Hello.. i have a fiverr revenue card (Payoneer master card)

    please tell me.. Can we withdraw 30$ from payoneer card in pakistan atm if yes so please tell me what is the fees and when i withdraw that they charge from my payoneer account or from my withdrown cash

    ReplyDelete
    Replies
    1. Hello! Yes, you can withdraw $30 from ATM in Pakistan, but I would strongly advise against doing so. Charges depend on many things, including the rate your card charges per ATM withdrawal. Most cards including newly issued Fiverr cards charge $3.15 per transaction. Additionally, non USD transactions are charged at 3% rate for currency conversion. The only bank offering no charge on their end in Pakistan these days is Bank Al Falah. If you withdraw through Bank Al Falah, you should be able to withdraw Rs. 2,500. Any other bank you should only try Rs. 2,000.

      The fees that are deducted are deducted from your account and not the amount that comes out. However, the fees are charged at the same time the withdrawal is processed so you need to have money to cover all fees in your account in addition to the amount you are withdrawing. In your case, since you have $30, this does not mean that you can withdraw Rs. 3000 since $3.15 + 3% fees + bank fees must be subtracted first. Only then can you determine the PKR amount you will be able to withdraw.

      It might be a better idea using this $30 through a POS terminal at a shop, petrol pump or restaurant since you will only get charged 3% and you can probably use Rs. 2,900 without any problems.

      If my message is unclear, let me know and i will try to explain better.

      Delete
  32. Hello Abbas,
    I signed up on payoneer using the above referral link provided by you. I loaded 206$ into my payoneer account and received an amount of 174.50$ deducting annual fee of 29$ and standard loading fee of 2$. But I didn't receive referral bonus of 25$
    When I contacted payoneer customer support service in this regard they said that I've signed up using regular website,even though when I signed up,payoneer website showed that I was using referral link and I also received a confirmation email by them. Now please guide what should I do to claim my referral bonus?

    ReplyDelete
    Replies
    1. Hi, my apologies for the late response. That's quite strange. Are you 100% sure you signed up through the above referral link? Do you remember what date you signed up? I can check if I made a referral on that date.

      Sometimes it takes a while for them to process the bonus, but they shouldn't have told you that you didn't sign up using a referral link unless you actually didn't...

      Are you still having this problem?

      Delete
  33. i live in lahore and colony my adress is perfect ,there cant be a problem with that i requested the card last date of estimation of delivery was 10 december ,but i didnt recvd the card, so i requested another
    now another is on his way , but i heard from some online forums that sometimes it takes 90 days ? 3 months ,
    so please confirm for how much time i should wait ? and i dnt trust them seriously , online websites usually ban u for no reason i have already transferred my 511 dollars from freelancer and upwork to payoneer , but i didnt recvd the card yet ,
    tell me how much i should wait , there are 2 cards on there way to my home , the 2nd one's date of delivery is 4 januray 2016 so please tell me how much i should wait ?

    ReplyDelete
    Replies
    1. Hi Adeel. You shouldn't have requested another so soon. From everyone i have spoken to, it normally takes between 20-30 working days to receive the card in Pakistan. You should wait. Don't consider the expected date they are giving you since our postal system is a bit slow and it may take time for it to come through.

      If you don't receive it within 30-40 days of it being dispatched, please feel free to contact me here and I might be able to assist you in tracking it.

      Don't worry about your money disappearing via Payoneer. It is very safe and I have never heard of them messing around with people's money. I have been using it for around five years and never have i faced any trouble.

      Delete
  34. Assalamualikum,

    Abbas, I must admit that your blog has the best information I have found on the internet on Payoneer in Pakistan - Thanks.


    I have a question. I am expecting a payment on my Payoneer of $680 which is after the transfer fee should be $659.6.

    As per your advice, I will take it all out using Samba ATM.

    What do you think the amount I should receive in PKR after all deductions?

    Also FYI, I just made a transaction on my Payoneer of PKR 1,000 at Bank Alfalah Bank ATM in Shahra'e'Faisal, Karachi. The total amount got deducted was $13.03 and the exchange rate offered by the bank was 0.009545 USD is to 1 PKR = 1 USD equals PKR 104.77.

    Therefore, according to my understanding the total transaction cost me $3.485.

    Can you guide me further on this, of how much I should receive once I have $680 deposited and after applying the 3% deduction $659 should be the amount reflecting.

    Also, what do you mean by 3% exchange rate charges? Because if you see the exchange rate applied on my transaction on BankAlfalah today was exactly what's on Google.

    Please get back with me ASAP. I will look forward to your reply before I go ahead and use Payoneer for the transaction.


    Thank you

    ReplyDelete
    Replies
    1. Waalaikumassalam. I am glad you found this blog useful and informative, and thank you for your message.

      Please note that as per the latest post on this blog, Samba Bank no longer supports MasterCard transactions. Luckily, Bank Al Falah does support Mastercard now and they, like Samba Bank previously, do not charge any additional fee.

      I would recommend you make three transactions of Rs. 20,000. Currently, the exchange rate is approx PKR 104 / USD. If you subtract 3% from this, you will get exchange rate of 100.88. You should calculate all transactions from this rate.

      Further, the ATM withdrawal fee is typically $3.15 (though it may vary depending on where you got your card from). This means that each Rs. 20,000 transaction will cost you (20,000/100.88) + 3.15 = 201.4. To be safe, just round this figure up to $205.

      You should then login to see if you have sufficient amount for a fourth transaction. As per my calculation, you should have spent $615 on the three transactions and have around $44 left.

      I would advise that you just use the remaining sum to pay for fuel and groceries worth approximately Rs. 4350 (to be safe).

      If you decide to go for a fourth ATM transaction, you should be able to withdraw 3,500 safely (probably 4,000 but it might not be worth the risk).

      Try avoiding making small transactions such as RS. 1000 since the fees make a higher proportion of the amount withdrawn and it becomes really expensive. I hope this helps!

      If you have any further questions, feel free to get in touch and I will try replying ASAP. Thanks.

      Delete
    2. It seems I misunderstood your post in my previous reply. The 3% deduction occurs at the time of ATM withdrawal and not at time of loading of card. At time of loading of card, only loading fees (which may be subsidized by your Payoneer partner) will apply along with any due monthly/annual fee, activation fee etc.

      When you withdraw, you should typically expect a 3% reduced exchange rate, although I am surprised you got such a good exchange rate at Bank Al Falah. I have been using the card over the last few weeks and I have been getting rate of around PKR 101 / USD.

      Delete
  35. How Much Payement Limit To recive From Payoneer Card in pakistan per transection

    ReplyDelete
    Replies
    1. ATM withdrawal limit is Rs. 20,000 per transaction.

      Most cards have a daily withdrawal limit of USD 2,000 per day (unlimited transactions).

      Therefore, you can withdraw around PKR 200,000 per day from ATM in ten separate transactions.

      Or you can make a single PKR 200,000 transaction at a POS terminal in a single day.


      Delete
  36. HEY aBBAS BHAI,

    AOA. Please Tell me Whare can i find my Payoneer Id to Load Money In it??? Thanks please reply urgent sir

    ReplyDelete
  37. Hey abbas bhai,
    AOA please help me to find my Payoneer Id?? What is my payoneer Id To Receive/Load money in my master card?? please reply me asap Thanks....

    ReplyDelete
    Replies
    1. AOA. Your Payoneer ID is your email address which you used to sign up for your account. You can login at myaccount.payoneer.com

      Here is a guide on how you can load money to your card: http://ezrupeeonline.blogspot.com/2015/07/how-to-load-payoneer-in-pakistan.html

      If you have any further questions please feel free to leave me a comment .

      Delete
  38. AOA Brother !
    Can I transfer my Paypal account money into Payoneer account ?

    ReplyDelete
    Replies
    1. Aoa! No brother, you can't transfer them directly into your Payoneer account. Please see my post on the various ways you can load your Payoneer card below:

      http://ezrupeeonline.blogspot.com/2015/07/how-to-load-payoneer-in-pakistan.html

      Delete
  39. i have recently activated payoneer card . what are proccess use it ???/?????????

    ReplyDelete
    Replies
    1. Congratulations on activating your Payoneer card. Do you have balance on it? If so, you can either withdraw your money through ATM machines (please see the latest blog on the post to learn how) or use it at any POS terminal. Remember that since it is a prepaid card, you can only spend up to your balance amount.

      Delete
  40. Hi how can use the payoneer card ????

    ReplyDelete
  41. Replies
    1. There is no tax but if you make the POS transaction in a currency other than USD, there will be a 3% charge for currency conversion.

      Delete
  42. Hi actually my Payoneer card is going to expire soon so i got new one card and just activated now please confirm me may i have to update details my new Payoneer card on all sites like (freelancer.com, Elance etc.) or it will be change automatically ?

    ReplyDelete
    Replies
    1. Hi, no your details will change automatically as the account associated with your card will remain the same, even though your card number and expiry date will change.

      Delete
  43. Dear I have opened my account in 05/2014 and still active but Payoneer charged me 29.95$ twice for annual fee

    ReplyDelete
    Replies
    1. Sorry to hear that this happened to you. Can you confirm which months you were charged annual fee twice in?

      Delete
  44. Hi, I want to know as to how I can transfer my money into Payoneer account here in Pakistan. Is there any reseller available?

    ReplyDelete
    Replies
    1. Don't know about any resellers being available, but you could check out my separate post about how to load Payoneer in Pakistan. It will help you get money onto your card. There are several ways to transfer money to your Payoneer account :)

      Delete
  45. sir i have created account on freelancer website and i have also made payoneer account i have activated but when i give my payoneer card number to freelancer payment method it say my card unable to authorized your card plz help me in this what should do

    ReplyDelete
    Replies
    1. Best thing to do in this regard is contact Payoneer support. They may have temporarily blocked your account.

      Also, make sure that you are entering the correct information, and that your card is properly activated by visiting myaccount.payoneer.com and logging in with your details

      Delete
  46. aslam e alkum sir i have 4 refes and how get the money withdraw my master card my local bank mera account mein pasie abi tak nein aye hai mein 4 refes kiya hai 100 dollar par mera payoneer account show nein hora hai payment or mein kise pasie nikalwa sakta hon us payment ka mail b agai hai please baetin mein kise master card k zariya pasie nikalo atm se

    ReplyDelete
    Replies
    1. Referrals k paisay aap ko tb milain ge jb aap ke referral k account mai $100 load honge.

      Delete
  47. Hello. I have an issue in payoneer. No ATM machine is withdrawing my money scb is not avail here..Mcb and faysal didnot work in this regard

    ReplyDelete
    Replies
    1. Please specify where in Pakistan you are located. I can help you find an ATM that works.

      Delete
  48. HEllo, I have Fiverr Master Card, Issued by payoneer. Can you tell me which banks atm should I use to withdraw the money. I have $230 right now. And Also please tell me if all the atms of the named bank are compatible with mastercards, like when you say alfalah, then all the atm of alfalah bank would work. I have visited couple of atms and couldn't find the master card logo on the atm around so I avoided withdrawing any amount.
    Thank you very much.

    ReplyDelete
    Replies
    1. Hi thanks for your message. Please see the latest blog on this topic for more information. You can use MasterCard ATM locator on their website to see which ATMs are compatible for you. Alternatively, tell me which city/town you live in and I can help you locate a suitable ATM.

      Delete
  49. Meny ek site me deka k 1st time appko kese freelance site sy payment resve karna lazmi hota hain meximm 100$ os k bad apko koe payment karsaky ga... kia ye sach hain???

    ReplyDelete
    Replies
    1. Aap ne kahan se card order kia tha? Agar aap ne is site se order kia tha toh aisi koi restriction nhi hogi.

      Agar ap ne kisi freelancing site se order kia ho toh aap private load nhi kar sakain ge jb tk k aap ne $100 load kia hai.

      Waisay agar ap ke card mai kahin se bhi balance load hua ho toh aap use kr sakte hain. 100$ tk wait nhi karna parta hai.

      Delete
    2. ok sir thank you sooooo much... and now i want to load my payoneer please help how can i load my card in pak... I'm not a freelancer...

      Delete
    3. My pleasure! Please see my post on how to load your card in Pakistan:

      http://ezrupeeonline.blogspot.com/2015/07/how-to-load-payoneer-in-pakistan.html

      Please note that private loads are not allowed by all cards !

      Delete
  50. Assalam-o-'Alikum sir
    annual fees k lye agr balance na ho card me to kya hoga? or card renewel krwany k lye jo 13$ fees he wo ham kis tarah pay krenge?

    ReplyDelete
    Replies
    1. Aap ki fees tb kate gi jb aap k account mai balance hoga.
      Agar aap renewal k liye apply karo ge toh load karne k baad ye $13 fees kat jaye gi.

      Delete
  51. hi can you please tell me that how much bank alfalah charge? i heard they dont charge anything but i used bank alfalah twice and they did charge me around 500.
    one more thing i ordered my card through fiverr can i use that card on aliexpress etc?
    Regards

    ReplyDelete
    Replies
    1. Hello! They don't charge anything on their own. Payoneer charges a fee for ATM withdrawal between $2.15 and $3.15 depending on where you ordered your card from). Yes you can use it on Aliexpress and any ohter site that accepts payment via MasterCard

      Delete
  52. yes payoneer is very good place to withdraw money from bank in any part of the world i prepared payoneer account and using paypal with the help of payoneer in Pakistan

    ReplyDelete
    Replies
    1. Glad you like it as much as i do!

      Delete
  53. bhai mene payoneer account bnaya hai aur card bhi active kr lia hai lkn us me 0 balance hai to ap btae ke us me balance kese bharo

    ReplyDelete
    Replies
    1. Ya toh kisi se load.payoneer.com se request kr sakte ho ya phir kisi bhi payoneer partner se account load kar sakte ho. Payoneer partners include upwork.com and freelancer.com

      Delete
  54. Hello,
    Bhai Aaj me ne Payoneer Card se 20000 20000 ki 2 transactions ki jab me ne 3sri bar 20000 withdraw karne mi koshish ki to error aya uske baad me ne phir card dala or phir Koshish ki to error aya... uske baad me ghar aya or dekha to mery account se 40000 ki jaga 60000 kat chuke thy ab me pareshan hoo k mery 20000 kidhar ghayab ho gaye bhai please help me .. me kiya karo ?

    ReplyDelete
    Replies
    1. Sorry for the late response to this urgent issue. I hope it got sorted out. Best thing to do in such a situation is contact the bank whose ATM it was. They can revere the debit transaction.

      Delete
  55. Salam sir please mujai yai bataea kai hum agar kesy be ptc site sai payza kai account mai transfer kartai hai to kya yai hamarai payoneer card mai direct laod ho jatai hai ya load karanai ka alag method hai please guaid me

    ReplyDelete
    Replies
    1. Nhi not possible unless ptc site payoneer partner hai.

      Delete
  56. my name is faraz i have a payoneer master card when i attach our card with freelancer verify payment the error is occure the eror is Unable to authorize your card Please try another card or contact your bank if this problem continues.

    Reference #N/A

    ReplyDelete
    Replies
    1. Hi faraz, last i checked, you can't use Payoneer to verify on freelancer. You can use just about any other card but for some reason they do not allow verification through payoneer.

      Delete
  57. Has anyone tried Auction Essistance for PayPal services?

    ReplyDelete
    Replies
    1. I haven't tried it Emma. Maybe someone else has!

      Delete
  58. Assalam o Alaikom
    can i connect payoneer account to google adsense account
    i an 16 years old i have nic number on my birth certificate can i used it while creating payoneer account

    ReplyDelete
    Replies
    1. Do you want to withdraw your Adsense earnings through Payoneer? Unfortunately it is not possible regardless of your age

      Delete
    2. can i connect it with adsense

      Delete
  59. i have activated my payoneer card. but i am unable to withdraw the money. i visited mcb atm two times. when i press the button to withdraw, a black window appears to enter manually the amount to withdraw. when i enter the amount and press the ok button, after 40-50 minutes, the atm shows that you don't have entered the amount to withdraw. your kind help is needed

    ReplyDelete
    Replies
    1. Hey, do you mean after 40-50 minutes or seconds? It seems like there is a problem with that specific ATM. I would advise if possible you using Bank Al Falah if it is in your area. It has no additional charges and seems to work best. If that is not possible, please try another branch of MCB. Also please select Current Account when prompted, and as in other ATMs, enter the amount in PKR and in multiples of Rs. 500 (no more than Rs. 20,000 total). Also I'm sure you know this but you cannot withdraw more than what is in your account since it is a prepaid debit card.

      Delete

Please leave any questions, comments or suggestions and I will get back to you as quickly as possible. If you are leaving a comment just for a link, I will not approve it so don't waste your time.