Payoneer, JazzCash and Easypaisa for Pakistani Sellers: What to Use When

Use Payoneer to receive money from abroad, such as Amazon payouts or foreign clients, and withdraw it to a Pakistani bank. Use JazzCash and Easypaisa to take payments from buyers inside Pakistan, either person to person or through their online payment gateways on your website. Most sellers who work with both local and foreign buyers end up using all three.

Why one payment tool is not enough

Money reaches a Pakistani seller from two very different directions. Foreign marketplaces and clients pay in dollars, pounds or euros, and they pay into a receiving account, not a mobile wallet. Local buyers pay in rupees and, increasingly, from a phone. The State Bank of Pakistan found that account and wallet-based channels made up 93 percent of e-commerce payments in FY2024-25 (SBP press release, November 2025). Each tool below fits one of those directions.

Payoneer: for money coming from abroad

Payoneer gives you receiving account details in foreign currencies, so a marketplace or client abroad can pay you as if you had a local account in their country. Its guide for Pakistan says it integrates with global marketplace and freelancing platforms, and that you can withdraw directly to a Pakistani bank account after adding and verifying it in your settings.

• Use it for: Amazon payouts, foreign clients, international marketplaces and freelance platforms that support it.
• Withdrawals: Payoneer says they usually reach a local bank in one to three business days, and it shows the fee and exchange rate before you confirm (Payoneer withdrawals).

Check the Fees section inside your own account for your current rates. Payoneer's public pricing page notes that the fees that apply to you are shown during registration and in your account, and that an annual account fee applies to accounts that receive less than a set amount in a year.

What to watch with Payoneer

• Fees depend on how you withdraw, the currency and the destination bank, so compare the withdrawal routes your account has.
• The exchange rate on conversion is part of the cost, not only the listed fee.
• Keep your account details, business type and documents consistent with your marketplace account to avoid holds.

JazzCash: for local buyers and your own store

JazzCash is a mobile wallet many Pakistani buyers already have. For a seller, it works two ways. You can take simple wallet transfers from customers you sell to on Instagram or WhatsApp. For a website, the JazzCash payment gateway accepts several methods, including JazzCash mobile accounts, vouchers, cards and QR or Raast payments.

Its reach offline matters too. JazzCash says it has more than 300,000 agents and 1,500,000 businesses on its network (JazzCash, checked 27 September 2026). A buyer without a bank account can load cash at a nearby agent and then pay you from the wallet.

Easypaisa: the other major wallet

Easypaisa does the same job as JazzCash, and many buyers have one or the other. Its online payment gateway serves businesses with a live website or mobile app, and it has plugins for platforms such as WooCommerce. Offering both wallets at checkout means fewer buyers leave because their wallet is missing.

Wallet gateways need paperwork

A personal wallet is quick to open, but a merchant gateway for your website needs business documents and a verification process. A sole proprietor usually needs a CNIC, an NTN and a business bank account. Apply early, since approval can take time.

Which tool for which job?

• Selling on Amazon from Pakistan: Payoneer or a similar receiving account for payouts.
• Selling on Daraz: none of these are needed to get paid. Daraz collects payment and pays out to your bank.
• Selling on Instagram or WhatsApp: JazzCash, Easypaisa, Raast or bank transfer, plus cash on delivery through your courier.
• Your own website: a JazzCash or Easypaisa merchant gateway, or both, plus COD.
• Foreign freelance or service clients: Payoneer, a direct transfer to your bank, or a remittance into NayaPay or SadaPay where the client can pay that way.

If you plan to sell on Amazon, your payout method is part of registration. How to Open and Verify an Amazon Seller Account from Pakistan covers where it fits in the process.

What does each payment route cost?

These are the fees each provider publishes, checked on 27 September 2026. Rates change, so confirm them on the linked page and in your own account before you plan around them.

A worked example with made-up orders

The order sizes here are example figures; the rates are the published ones above. A local buyer pays Rs 5,000 into your JazzCash business account. By Raast QR, the fee is Rs 12.50. From their JazzCash wallet it is Rs 100, and through a payment link it is Rs 150. Across 100 orders a month, that gap is worth up to Rs 13,750.

Now a 1,000 USD Amazon payout withdrawn from Payoneer to a Pakistani bank. At 1.2 to 4 percent, the withdrawal costs 12 to 40 USD, plus the exchange rate spread. If you receive under 6,000 USD in a year, add the 29.95 USD annual fee. Check your own rate in the Fees section of your account, since it depends on your route.

The takeaway: steer local prepaid buyers to Raast where you can, and batch foreign withdrawals rather than making many small ones. Is Ecommerce Profitable in Pakistan in 2026? shows how payment fees fit into a full profit-per-order check.

What about Wise, NayaPay and SadaPay?

These names come up often, especially among freelancers. Each one does something different, and none replaces a receiving account for Amazon payouts.

• Wise: Pakistan is not on the list of countries where Wise lets residents hold money (Wise Help Centre), so you cannot keep a Wise balance from here. Wise can send payments to personal accounts in Pakistan, though not business payments to PKR (Wise currencies). A client abroad who uses Wise can pay your personal bank account in rupees.
• NayaPay: names Wise, Payoneer, Remitly, Western Union and Ace among its partners for receiving money from abroad (NayaPay Help Center). A NayaPay Business account can also accept international payments on invoices, with fees set by its Schedule of Charges (NayaPay invoices).
• SadaPay: says its SadaBiz account lets freelancers bring US dollars home from clients abroad within a business day (SadaPay). Check the current fees and limits in the app before you rely on it.

For a store, these are extras rather than the core setup. Use them when a foreign client or buyer already pays through one, and keep Payoneer for marketplace payouts.

Keep your records clean

Whichever tools you use, keep every payment traceable. Download statements monthly, match them to orders in a spreadsheet, and keep business money in a separate bank account. Clean records make tax filing easier and help if a platform ever asks you to prove where funds came from.

Learn the full money side of a store

SkillsVerx's AI-Powered Ecommerce course covers payment setup as part of building a real store, fully online.

Frequently asked questions

Can I receive Amazon payments in JazzCash or Easypaisa?

Not directly. Amazon pays into a bank or receiving account. Most Pakistani sellers use a receiving account such as Payoneer, then withdraw to a local bank.

Is Payoneer free in Pakistan?

Opening an account costs nothing, but receiving, withdrawal and currency fees apply, and so can an annual fee. Check the Fees section in your account.

Can I use Wise in Pakistan?

Not to hold a balance, since Pakistan is not on Wise’s list of countries where residents can hold money. A client abroad can still use Wise to send rupees to your personal bank account.

Should I offer both JazzCash and Easypaisa?

If you sell to local buyers, yes. Many people use only one wallet, and offering both removes a common reason to abandon checkout.

Do I need an NTN for a JazzCash or Easypaisa merchant account?

Usually, for a business gateway on a website. Requirements vary by business type, so check the current document list when you apply.