How to load Payoneer in Pakistan

Payoneer issues MasterCard prepaid cards, which means that you can only use your card for purchases and ATM withdrawals if you actually have money loaded onto your card.

Many people order cards from Payoneer in Pakistan but they do not know how they can make use of the card, since a brand new card comes with $0 balance. There are various ways in which you can load money onto your Payoneer MasterCard in Pakistan.

You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)

PAYONEER PARTNERS

The most common way to load money onto your Payoneer in Pakistan is by withdrawing funds from your account with a Payoneer partner. Unfortunately, there is no complete list of Payoneer partners anywhere on the internet. Most freelancing marketplaces and many other sites where you can earn money are Payoneer partners.

Credit: www.staragara.net

Credit: www.payoneer.com

How can you find out if a site is a Payoneer partner? Well, you can see withdrawal options on a particular website, or just simply google "name of site Payoneer" and see whether you can withdraw funds from there onto your Payoneer account.

Here is an older list of Payoneer partners. Please note that it may not be up-to-date.


Payoneer has over one thousand partners so I cannot compile a full list of Payoneer partners. You can see some of their current partners in the photos added to this blog.










You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)

Once you have identified a Payoneer partner, you can load your Payoneer in Pakistan by simply withdrawing funds from your account with that Payoneer partner to your Payoneer account. For instance, if you have earned $100 on a project on Freelancer.com, you can select Withdraw and then choose Freelancer Debit Card (powered by Payoneer).

PRIVATE LOAD

Private load is an easy way to load your card. All you need is credit card or debit card that can be used online. In order to use private load, visit load.payoneer.com and enter in your payment and card information. Your money can be loaded within 2 working days.

Please note that private load is not available on all Payoneer cards. If you order your card through certain Payoneer partners, you will need to regularly withdraw through those Partners for the private load feature to be enabled. However, if you order your card here, you can use the private load feature freely.


For more information about private loads, click here.

You can sign up for a Payoneer card in Pakistan by clicking here (free $25 bonus once you load $100 to your card)

CARD TO CARD LOAD
You can also receive money from another Payoneer card using Payoneer's Card to Card feature. This is another easy way to load money onto your card.

US/EU PAYMENT SERVICE
If you need to receive money from a company based in the United States or the European Union, you can receive it directly through your Payoneer card using Payoneer US / EU Payment Service. Payoneer charges a small fee for this service. More information can be found on their website.

I am always happy to help specific questions about how to load Payoneer in Pakistan, or any other questions related to Payoneer or freelancing that you might have. Please feel free to leave me a comment below and I will respond as soon as possible.

Get a MasterCard debit card in Pakistan

If you need a MasterCard debit card to make any online purchase or to enjoy low transaction fees, the Payoneer MasterCard debit card is your best choice. Most banks in Pakistan offer Visa debit cards, so getting a MasterCard here is quite difficult.

Luckily, Payoneer now allows users to obtain cards though its website without any partners. If applicants request the card through an affiliate, not only is their application expedited, but they also get $25 FREE once they load their card with $100. Best of all, users who apply for their card from the below link can enjoy NO MONTHLY FEES and they just have to pay an annual fee of $29.95 (only if your card has a balance - it will never go into negative). There are NO ACTIVATION FEES if you register through the link below. You can use the Payoneer MasterCard debit card to get a BANK ACCOUNT IN AMERICA. This can be used to verify a Paypal account and USE PAYPAL IN PAKISTAN!

Click here to apply for a Payoneer card and get $25 absolutely free as soon as $100 is loaded onto your card

OR

Leave your email address in the comments section and I'll send you a personal invitation. 

With a Payoneer MasterCard debit card, you can receive payments from clients all over the world through load.payoneer.com . You can also load your card using any Pakistani credit card or debit card, and then use the card to make purchase transactions all over the world.

The fee schedule for the card is as follows:

Annual card account maintenance $29.95 Per Card From available card balance each year
Card replacement $12.95 Per card One time - when issuing a replacement card
ATM Cash Withdrawals or Transactions ATM withdrawal $3.15 Per Trx When withdrawal is requested
Declined ATM withdrawal $1.00Per Trx When withdrawal request is declined
Purchase Transaction Free *Per Trx When card is used for purchases
ATM Balance inquiry** $1.00 Per Trx When inquiry is made

* When a transaction is made as a foreign transaction or is requested in a currency other than USD, charges of up to 3% may be assessed above all charges assessed by MasterCard for the transaction.

** Not available in Pakistan. Balance can be checked on the internet by logging into your account on www.payoneer.com

Click here to apply for a Payoneer card and get $25 absolutely free as soon as $100 is loaded onto your card

Any questions and queries are welcome. I strongly recommend you order the Payoneer card as soon as possible as there are no activation fees currently. I have been using Payoneer for over two years now and they are very safe and reliable. You can hook this card onto any Payoneer partner or use privately too.

Payoneer in Pakistan

 Do you often get frustrated that you cannot use Paypal in Pakistan? Do you feel there are no good alternatives to receive US dollar payments from clients all over the world? Well, you're completely wrong. Payoneer in Pakistan is a reliable alternative to Paypal. It has a wide range of benefits


CLICK HERE TO ORDER YOUR PAYONEER CARD. ONCE YOU EARN $100 FROM ANY PAYONEER PARTNER OR PRIVATE LOAD, YOU WILL EARN $25 AUTOMATICALLY IF YOU REGISTER THROUGH THIS LINK.


Ordering a card through the link on this blog (above)

Luckily, Payoneer now allows users to obtain cards though its website without any partners. If applicants request the card through an affiliate, not only is their application expedited, but they also get $25 FREE once they load their card with $100. Best of all, users who apply for their card from the below link can enjoy NO MONTHLY FEES and they just have to pay an annual fee of $29.95 (only if your card has a balance - it will never go into negative). There are NO ACTIVATION FEES if you register through the link below. You can use the Payoneer MasterCard debit card to get a BANK ACCOUNT IN AMERICA. This can be used to verify a Paypal account and USE PAYPAL IN PAKISTAN!

CLICK HERE TO ORDER YOUR PAYONEER CARD WITHOUT A PARTNER. ONCE YOU EARN $100 FROM ANY PAYONEER PARTNER OR PRIVATE LOAD, YOU WILL EARN $25 AUTOMATICALLY IF YOU REGISTER THROUGH THIS LINK.


Ordering a card through a Partner

Payoneer gives Pakistanis the option of receiving money through a MasterCard debit card in Pakistan. The way it works is simply that you can order a Payoneer debit card through the links placed on this page. Once you have received and activated the card, you can receive payments from any Payoneer partner. You can then withdraw this money in Pakistani rupees by inserting your Payoneer Debit Card into select ATM machines in Pakistan.

Although the card does allow private loads, you need to receive your first payment from a Payoneer Partner. There are hundreds of Payoneer partners, including major freelance marketplaces such as oDesk and Freelancer. After receiving at least one payment from a partner, you can also directly load your MasterCard debit card yourself or ask your clients to load it directly through load.payoneer.com.

You can only withdraw money from select ATMs in Pakistan with the MasterCard logo. All Muslim Commercial Bank (MCB), Standard Chartered Bank (SCB) and Citibank ATMs accept the Payoneer Card in Pakistan. ATM machines that used to belong to RBS also accept Payoneer cards.

Monthly cost is normally $3.00 (1-2 transactions) and $1.00 (3+ transactions). Each time you withdraw money from a Pakistani ATM, it will charge you a flat fee of $2.15 per transaction plus 3% of the amount you are withdrawing. If you accidentally try withdrawing more money than you have, it will charge you $0.90 as a failed transaction cost. These costs are fixed for most Payoneer Partners. 

However, there are certain costs that vary significantly depending on the partner you get your card from. If you order your card through certain vendors (such as Freelancer), you do not need to pay the activation fee. However, this is a limited time offer and it may have expired. It is best to order your card from the link below because you will get a $25 cash back, covering the cost of your activation fee. The fee for loading funds on your card may vary depending on your partner.

When you enter your Payoneer Card into any ATM machine, enter your PIN select Current Account.  Never check your balance from the ATM. Login to your account on www.payoneer.com to check your balance in USD.

CLICK HERE TO ORDER YOUR PAYONEER CARD. ONCE YOU EARN $100 FROM ANY PAYONEER PARTNER OR PRIVATE LOAD, YOU WILL EARN $25 AUTOMATICALLY IF YOU REGISTER THROUGH THIS LINK.

*Some partners only allow you to use their card to receive payments from them (such as Elance). However, most partners will send funds to a Payoneer card that was not issued by them.

*If you have any questions, leave a comment below and I will try my best to answer it as soon as possible.

Using Payoneer in Pakistan

PLEASE NOTE THAT THIS POST IS OUTDATED. PLEASE SEE MORE RECENT POSTS ON THIS BLOG FOR UPDATED INFORMATION ABOUT USING PAYONEER IN PAKISTAN. 

CLICK HERE TO ORDER YOUR PAYONEER CARD. IF YOU USE THIS LINK TO ORDER YOUR PAYONEER CARD, YOU WILL GET $25 FREE AFTER RECEIVING YOUR FIRST $100. YOU CAN USE PRIVATE LOADS INSTANTLY WITH THIS PAYONEER CARD, UNLIKE ANY OTHER PAYONEER CARD

Did you FINALLY just receive your Payoneer MasterCard in the mail? Once you are done with the initial excitement of owning a MasterCard debit card, run through the following guide to make sure you know exactly how to use the Payoneer card in Pakistan.



Step 1:  
Open the envelope 

•  Rip open the envelope you have received from Payoneer 
• Unpack the card
•  Switch on your personal computer

Step 2:
Activate your card

•  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.  
• 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! 

Step 3:
Use your card

• Your Payoneer card can be used in thousands of locations across Pakistan
• You can withdraw money from selected ATM machines all over Pakistan. Your card will only work at ATM machines that support MasterCard. In Pakistan, these include MUSLIM COMMERCIAL BANK, CITIBANK and FAYSAL BANK. 
• You can see a list of ATMs near you that support MasterCard by visiting the link below.
• Make sure you look out for the MasterCard logo on the machine before you insert your card
• Remember that Payoneer's daily spending limit varies depending on which vendor you got your card through. Odesk cards have a daily ATM withdrawal limit of $2,500 but this does NOT mean you can withdraw this amount. Local ATM machines have varying daily withdrawal limits. Consult the bank associated with any ATM machine you are withdrawing from before making large transactions.
• Remember that all transactions in Pakistani ATM machines are done in Pakistani Rupees.
• Remember not to check your balance from the machine, but to check it online. Most machines in Pakistan do not support checking of balance of MasterCard cards, and your card could get eaten up. 
• 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.

A summary of Payoneer fees: 

• $24.99 - one time card activation fee.(some Payoneer partners are charging the regular fee of $9.99 for Pakistani clients now)
• slow load fee (different for every partner. Many partners have subsidized this fee completely)
• instant load fee (different for every partner)
• $2.15 - ATM machine withdrawal fee per transaction
• $ 1-3 - Payoneer monthly fee (depending on number of transactions made in the previous month)
• 3%* - Currency Exchange fee 

DISCLAIMER: Withdrawing more money than you have on your account can result in your card being eaten by the machine. Make sure you calculate a modest exchange rate, taking into account all fees etc. Failed transactions due to insufficient balance are also charged a small fee.

* The currency exchange fee is quite uncertain. Many people believe it is 3% of the dollar exchange rate per dollar.i.e. if the rate is Rs. 100/$, for every dollar you withdraw, you will get 97 rupees. However, these days most ATM machines tend to give between $92-93. You get better rates by swiping your Payoneer card.


If you have any questions relating to Payoneer services in Pakistan, please don't hesitate to leave a comment or find our Facebook page and I will try my best to help you out.


CLICK HERE TO ORDER YOUR PAYONEER CARD. IF YOU USE THIS LINK TO ORDER YOUR PAYONEER CARD, YOU WILL GET $25 FREE AFTER RECEIVING YOUR FIRST $100. YOU CAN USE PRIVATE LOADS INSTANTLY WITH THIS PAYONEER CARD, UNLIKE ANY OTHER PAYONEER CARD