Alternatives
The Payoneer alternative for Pakistani freelancers
Get paid by clients abroad into US account details in your own name. Keep it in dollars. Cash out to any Pakistani bank at the Google rate, whenever you want.
In your name.
Held in dollars.
Withdraw to PKR
when you choose.
- ACH
- SWIFT
- Free @handle to @handle
Which Payoneer alternative should you use?
Updated
If clients pay you by ACH or SWIFT, HandlePay is the strongest Payoneer alternative: US account details in your own name, your income kept in dollars, and cash out to any Pakistani bank at the Google rate, in minutes. It is free for the first year. Elevate Pay and nsave also offer USD accounts in Pakistan.
Why people switch
Where Payoneer costs you
Three things freelancers tell us about, each checked against Payoneer's own pages.
A fee at more than one step
Payoneer lists 1% on incoming payments outside your local currency, 1.2% to 4% on withdrawals that convert currency, and a $29.95 annual fee in some cases.
Source 1
Their rate, not yours
When Payoneer converts your dollars to rupees, the rate sits below the market rate. That gap never shows on the fee line, but it comes out of every payout.
Source 1
One account, one point of failure
Payoneer can block or close an account and says it can't share the reason. If it's your only way to get paid, your income waits with it.
Source 2
What you get
Everything you need to get paid from abroad
US account details in your name
A routing and account number your US clients can pay by ACH, plus SWIFT details for clients abroad. The account is yours, not shared.
Your dollars stay dollars
Payments land and stay in dollars. Nothing is converted to rupees until you say so.
Cash out to any Pakistani bank
Cash out to any Pakistani bank at the Google rate, in minutes, whenever you choose.
Free transfers to any @handle
Send money to friends, family or your team on HandlePay for free, in seconds.
- Coming soon
Payment links
Clients who use PayPal, Venmo or Cash App pay a link you send. The money lands in your account.
- Coming soon
EUR, GBP and AED accounts
Get paid by clients in Europe, the UK and the Gulf in their own currency.
Side by side
HandlePay vs Payoneer
| HandlePay | Payoneer | |
|---|---|---|
| US account details in your own name | Yes | Yes, receiving accounts |
| Receive by ACH, wire or SWIFT | ACH or wire: $0.50 + 0.2%. SWIFT: $20 + 0.2% | Free in local currency, 1% otherwise |
| Clients paying by card | Payment links, coming soon | Up to 3.99% + $0.49 |
| Hold your balance in dollars | Yes | Yes |
| Convert to PKR | 0.5%, at the Google rate, whenever you want | 1.2% to 4% on withdrawals that convert |
| Annual fee | Free for the first year, then $25 a year | $29.95 in some cases |
| Transfers to other users | Free to any @handle | Free to receive, up to $4 to send |
| Get paid by PayPal, Venmo or Cash App clients | Coming soon | No |
Payoneer figures from payoneer.com/about/fees, checked 11 Nov 2026. Fees change, so check before you decide.
How to switch
Switch in four steps
Download HandlePay
Claim your @handle and secure the app with a passkey.
Open your USD account
Verify your identity once. Your US account details are in your own name, free for the first year.
Send clients your new details
Share your US account details: ACH for clients in the US, SWIFT for everyone else.
Keep Payoneer until it lands
Close nothing until your first payment arrives in HandlePay.
Free for your first year
Claim your USD account for free
US account details in your own name, ready in a few minutes. Your first year is free, then $25 a year.
ACH details for clients in the US- SWIFT details for clients worldwide
- Receive up to $1M per payment
Ready in a few minutes
FAQ
Questions people ask
What is the best alternative to Payoneer for freelancers in Pakistan?
It depends on how your clients pay. For ACH and SWIFT payments, look for US account details in your own name and a clear rate to PKR. HandlePay, Elevate Pay and nsave all offer USD accounts. HandlePay also adds free @handle transfers and, soon, payment links for PayPal, Venmo and Cash App clients.
How much does Payoneer charge for $100?
It depends on how the $100 arrives and how you withdraw it. Payoneer lists free receiving in your local currency, 1% otherwise, and 1.2% to 4% on withdrawals that convert currency. On $100 that converts to PKR, expect roughly $1.20 to $5 in fees, plus the rate gap.
What is the $29.95 fee for Payoneer?
It is Payoneer's annual account fee. Payoneer's fee page says it applies only when an account receives less than $6,000 in any 12 consecutive months. Check the Fees section inside your Payoneer account for the rule that applies to you.
Is Stripe available in Pakistan?
No. Pakistan is not on Stripe's list of supported countries, so Pakistani freelancers can't open a Stripe account to get paid. Clients who would pay by card can use other routes, such as paying your US account details by ACH.
Can I keep Payoneer and use HandlePay too?
Yes. Many freelancers keep more than one way to get paid. Use HandlePay for clients who pay by ACH or SWIFT, keep Payoneer for marketplaces that only pay out to Payoneer, and move over at your own pace.
Keep reading
Sources
- Payoneer, Fees, checked 11 Nov 2026
- Payoneer Help, Why was my account blocked or closed?, checked 11 Nov 2026
- Stripe, Global availability, checked 11 Nov 2026
HandlePay
is live
Get US dollar account details in your own name in a few minutes. Download the app to start receiving USD.
