Today’s digital economy requires freelancers, businesses, and entrepreneurs in Pakistan to receive and send online payments. Payoneer & PayPal & facilitate cross-border transactions across the world. There are, however, limitations. Pakistani users have access to Payoneer, but they have found it restrictive due to fees and limited integration options. In Pakistan, PayPal isn’t officially available to freelancers and online sellers.
Several alternatives have arisen to accommodate Pakistani users’ needs for receiving, sending, and managing international payments. In Pakistan, digital wallets and fintech startups are shaping online financial transactions.
We will examine the best Payoneer and PayPal alternatives in Pakistan, compare their features, and help you pick the right one.
Alternatives to Payoneer & PayPal: What are they?
Let’s look at the challenges before diving into alternatives:
- PayPal Unavailability Since PayPal has not entered the Pakistani market, freelancers and businesses often face difficulties receiving direct international payments.
- Payoneer Fees Despite Payoneer’s presence in Pakistan, its withdrawal and conversion fees are higher than those of some alternatives.
- Limited Flexibility Neither platform supports all online marketplaces or all currencies
- Growing Local Solutions Pakistani fintech platforms now cater to the domestic market with convenient solutions.
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Alternatives to Payoneer & PayPal in Pakistan
1. Wise (Formerly TransferWise)
With Wise, you can make international payments with ease. The Wise app allows users in Pakistan to:
- Local bank accounts are directly credited with payments.
- At mid-market rates, convert currencies.
- Wise’s multi-currency account lets you transfer money globally.
Wise makes withdrawing funds easy for freelancers on Upwork and Fiverr.
2. Skrill
Another popular PayPal alternative is Skrill. Pakistani users can:
- Pay international bills.
- Transfer funds to local banks.
- Email addresses can be used to send money worldwide.
Digital marketers, freelancers, and gamers use Skrill. Despite higher fees, Skrill remains a reliable option for those wishing to receive funds from Europe or the US.
3. Neteller
Skrill’s sister company, Neteller, is another secure alternative. Among its features are:
- Money can be received and sent using a digital wallet.
- Fast global transfers.
- Platform integration, including gaming and trading websites.
Despite the lack of popularity of Neteller among freelancers, it offers international payments as an alternative to Wise and Payoneer.
4. SadaPay
The fintech startup SadaPay has quickly become one of Pakistan’s most popular. While primarily a local digital wallet, it plans to expand cross-border. Among the current features are:
- Online shopping with virtual debit cards.
- Pakistani transfers are free of charge.
- Easy withdrawals from freelancers’ accounts.
Unlike Payoneer, SadaPay has no hidden fees. Pakistan may soon have a top PayPal alternative once its international payment services expand further.
5. NayaPay
A fintech solution from home, NayaPay is similar to SadaPay. Among its features are:
- Pakistani money transfers are instant.
- Online transactions are made possible with a virtual Visa card.
- Comparatively low fees.
Using NayaPay’s Visa-based cards is a terrific alternative for freelancers and businesses that rely on international subscription services (such as Zoom, Canva, and Netflix).
6. Easypaisa
Wallet and payment app Easypaisa has been around for years. Although primarily local, it also supports:
- Transferring money within the country.
- E-commerce and bill payments.
- Cross-border remittances are not fully integrated.
The Easypaisa payment solution remains popular, even though it cannot directly replace PayPal.
Like Easypaisa, JazzCash is a popular mobile wallet in Pakistan. It offers:
7. JazzCash
- Transfers locally.
- Integration with e-commerce platforms.
- International remittance partnerships.
Payoneer connects JazzCash with Payoneer to make withdrawing funds easy for freelancers.
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Comparing the Alternatives
| Platform | Availability in Pakistan | Best For | Strengths | Weaknesses |
|---|---|---|---|---|
| Wise | Yes (Bank transfers) | Freelancers, SMEs | Transparent fees, real exchange rates | No digital wallet locally |
| Skrill | Yes | Freelancers, marketers | Global reach, easy account setup | Higher fees than Wise |
| Neteller | Yes | Trading, gaming users | Reliable & secure | Not widely used for freelancing |
| SadaPay | Yes (local fintech) | Students, freelancers | Zero fees, virtual cards | Limited international scope (growing) |
| NayaPay | Yes (local fintech) | Online shopping | Visa integration, low fees | Limited for large international transfers |
| Easypaisa | Yes | Local payments | Strong network, bill payments | Not a direct PayPal replacement |
| JazzCash | Yes | Freelancers with Payoneer | Linked with Payoneer, wide usage | Limited standalone use for global clients |
Pakistan’s digital payment future
Fintech is evolving rapidly in Pakistan. With government support for digital payments and increased adoption of e-commerce, more PayPal and Payoneer alternatives are expected to emerge. With SadaPay and NayaPay in particular, the country is progressing towards cashless transactions, while Skrill and Wise remain international gateways.
Even if PayPal officially enters Pakistan in the future, it could disrupt the current ecosystem, so businesses and freelancers must keep these alternatives in mind.
FAQs
Q1: Is PayPal available in Pakistan?
No, PayPal is not officially available in Pakistan as of 2025.
Q2: Can I use Payoneer in Pakistan?
Many freelancers use Payoneer, especially on platforms such as Upwork and Fiverr. However, it has higher fees compared to some alternatives.
Q3: Which PayPal alternative is best for Pakistan?
Wise is one of the best international options, while SadaPay and NayaPay are strong local alternatives.
Q4: Can I withdraw Payoneer funds to JazzCash or Easypaisa?
Yes, Payoneer allows withdrawals to local bank accounts, which can be linked with JazzCash or Easypaisa.
Q5: Are fintech apps like SadaPay and NayaPay safe?
Yes, they are regulated by the State Bank of Pakistan and use strong security protocols.
Conclusion
The PayPal service remains unavailable in Pakistan, and Payoneer comes with certain limitations, but there are numerous reliable alternatives available. There are now a variety of payment options available to Pakistanis, from global players such as Wise, Skrill, and Neteller to innovative local fintech apps, such as SadaPay, NayaPay, JazzCash, and Easypaisa.
Choosing an international client base, fee preferences, and payment platform that aligns with your freelancer, entrepreneur, or business’ needs is key. Pakistan’s digital ecosystem will grow in a way that allows for more freedom and flexibility when it comes to cross-border payments.
Keeping you informed regarding digital finance and fintech solutions across Pakistan is one of the responsibilities of New Mobile Price in Pakistan.
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