How to Create a Payoneer Account in Pakistan

As PayPal does not operate in Pakistan so you will need a bank account from the United States to get verified PayPal Account in Pakistan. This is where your Payoneer account comes into play because it allows you to send or receive funds through PayPal.

How to Create a Payoneer Account in Pakistan
How to Create a Payoneer Account in Pakistan

If you want to receive payment from international clients in Pakistan then you must have to create a Payoneer Account. Payoneer is being accepted in 200+ countries with 150+ currencies making it widely accessible. Here are some steps to create a Payoneer Account.

  • Open Payoneer website.
  • To create Payoneer account, you must have an email account if you don’t have then create your any email Account.
  • After that Click on the “Sign Up Now” to Apply for Payoneer Account.
  • Now fill out all relevant information.
  • You need to enter your email address and choose a password for the account.
  • After that fill out contact details like your city name, zip code of your city.
  • Enter the mobile number and click on next.
  • Your account will be created and you just need to confirm your email address.

Guidelines to Apply for Payoneer card

After successfully creating a Payoneer account, you need to apply for Payoneer Card to receive payments from PayPal. Here are some guidelines:

  • To apply for a Payoneer card, you must have a valid bank account.
  • You will be required to enter your IBAN (account number).
  • Now type user name and password.
  • Select a security question
  • Now enter your CNIC and click on the order
This is the image of Payoneer. This is the logo.

Congratulations you have successfully created Payoneer account but the process is not over yet. First, your card will be approved which will take 1 to 2 days and your card will be shipped in 3 to 4 weeks.

Activating your Payoneer Card

After receiving the Payoneer card, you must activate it and do that we have to login into our Payoneer account. Here are guidelines for activating Payoneer card:

  • Login in to your Payoneer account.
  • Enter your user name and password.
  • Click on “Login”.
  • Click on the “View your status and activate your card”.
  • Click on Activate.
  • Now click on Card Activation.
  • After that enter your 16 digit card number and choose 4 digits secret pin.
  • Now click on agree to the cookies policies.
  • Click on the “Activate”

Congratulations your Payoneer card is activated and ready for use.

You all will be thinking that we have made a Payoneer account and “how we are going to receive payments for international clients or customers as we haven’t linked our bank account to PayPal.

So the next step will be about linking PayPal account with Payoneer account. When you login into your PayPal account you will see that your account status is unverified.

As PayPal does not operate in Pakistan so you will need a bank account from the United States to get verified PayPal Account in Pakistan. This is where your Payoneer account comes into play because it allows you to send or receive funds through PayPal.

Payoneer is an online transaction making company and you can link its account with PayPal easily.

You have Payoneer Debit Master Card which allows you to withdraw funds from any ATM of Bank Alfalah, MCB Bank, Standard Chartered Bank & Faysal Bank.

Linking Payoneer Account with PayPal Account

This is the most important step in “How to make PayPal Account in Pakistan”. Here are some steps to you should follow to link your Payoneer account with PayPal account:

  • Open the PayPal website.
  • Login in to your PayPal account.
  • Now enter your email address and password
  • After signing in your PayPal account, click on “Link a bank” option on your Account Summary page to get started.
  • If your bank is listed then you just need to enter your online banking login information to automatically link your account.
  • If your bank is not listed then you need the account number and routing number.
  • To find account number and routing number of Payoneer account you need to login into Payoneer account.
  • Activate option of US Payment Service.
  • Now click on “Receive Money” option.
  • After clicking on US Payment Service, you will find Routing Number and as well USA Virtual Account No.
  • Now enter that Routing Number and USA Virtual Account No in your unverified PayPal account.
  • After that, you will receive two small deposits that will be sent to your Payoneer account by PayPal. You will be able to see those deposits after 2 to 3 working days.
  • After receiving deposits sent by PayPal and log in again into your PayPal account.
  • After signing in you need to put the same amount that you received on Payoneer account into your PayPal account
  • Your PayPal account will be verified automatically.

This is the legal way to use PayPal in Pakistan and please don’t fall into the traps of scammers. They will sell you fake PayPal accounts for some Rupees. So try to follow these steps and make a legal PayPal account in Pakistan.

If you can afford to travel to Dubai, USA or any other country where PayPal has its operation then you can create a PayPal account. Just open a bank account in Dubai and simply signup from there.


Xoom is PayPal Service that enables users to electronically transfer funds and allows its users to send money, pay bills and reload mobile phones from the United States and Canada to 131 countries.

Xoom is a money transfer service owned by PayPal which has its operation in Pakistan. When the Pakistan Government was collecting donations for building two dams in October 2018, they used Xoom as well to receive donations from people.


Many people are not familiar with this method and they fall prey to scammers by buying PayPal Account. You can create and access your PayPal in Pakistan. You just have to complete some steps to ensure secure payment into your PayPal account.

Most of the Pakistanis are using PayPal through this method. They use their Payoneer Debit Master card to authenticate the signup and can access their PayPal account from Pakistan.

PayPal is not banned in Pakistan, it’s just PayPal does not operate in Pakistan yet but people are hopeful that PayPal will start its operation in Pakistan.

Now you know all the steps to create PayPal account in Pakistan and you also know how to withdraw funds from PayPal account in Pakistan. If you’re a freelancer or just starting a company that will sell its services or products internationally then Payoneer is your best bet.