Hafiz Basit Ali. Freelancing, taught free, in Urdu.

Fiverr: withdraw through Payoneer.

• Bank Transfer (via Payoneer) sends your money to your own Pakistani bank account. Local currency: $3 fee, $20 minimum, 1 to 3 business days.
• Or move it to your Payoneer balance first: $3 fee, $10 minimum.
• Only one Payoneer method at a time, and the Payoneer account must be in your own name. Fiverr can block accounts that share one.
• The Fiverr Revenue Card was discontinued in December 2022. Ignore old videos that tell you to order it.

His walkthrough: How to Create Payoneer Account in Pakistan391,907 views · Jan 2025 · 9:11

Source: Fiverr Help Center, Setting up Payoneer as a payout method

Upwork: straight to your bank.

• Upwork's Direct to Local Bank lists Pakistan. It costs $0.99 per withdrawal (your bank may charge an incoming fee too).
• For Pakistan: $5 minimum, $8,999 maximum per withdrawal.
• Payoneer works on Upwork too, if you already use it for Fiverr.

Source: Upwork Help, Direct to Local Bank fees and limits

• A client abroad can send rupees through Wise to your personal Pakistani bank account. They need your full name and your IBAN (24 characters, starts with PK).
• It does not work for business accounts or express accounts.
• You cannot open a Wise account yourself while living in Pakistan. Pakistan is not on Wise's list. You only receive.

Sources: Wise Help, PKR transfers · Wise Help, where you can open a balance

• Keep every invoice and your bank statements for the money that comes in.
• The Pakistan Software Export Board (PSEB) registers individual freelancers. You need a personal NTN, your CNIC, and a bank account certificate.
• Fee: Rs 1,000 to register, Rs 2,000 to renew. Renewal needs your latest tax return.

Tax rules change. We left the tax rate out on purpose, because the sources we found disagree. Ask a tax adviser or check FBR before you file.

Source: PSEB, Industry Facilitation (techdestination.com)