If you’re a freelancer in Pakistan, you already know the hustle isn’t just about finding international clients, it’s about getting paid without losing half of it to fees, bad exchange rates, or bureaucratic nightmares.
Let’s face it: making and receiving payments in USD as a Pakistani freelancer can feel like climbing Mount Everest barefoot.
But here’s the good news: I’ve cracked the system, and I’m going to share it with you. So buckle up, because this might be the most financially freeing post you’ll read all month.
The USD Headache: Payoneer & Its Pricey Limitations
Most freelancers in Pakistan start their journey with Payoneer. It’s globally recognized, integrates easily with platforms like Upwork and Fiverr, and supports multiple currencies.
But here’s the catch:
- If you don’t receive at least $2,000/year, Payoneer charges a $29.95 annual fee.
- Withdrawal fees are sky-high, and the exchange rates? Let’s just say you won’t be smiling at the bank.
For someone just starting out, this is discouraging, especially when you’re scraping together projects just to hit your first thousand.
The LLC Route: Not as Easy Anymore
For a while, the workaround was simple: open an LLC in the US, use platforms like Wise (formerly TransferWise) or Mercury Bank, and enjoy seamless USD transactions.
But the tides have shifted. Neobanks like Wise have now restricted access to USD account details for Pakistani founders, even with a US-based LLC. You can still receive GBP, EUR, or AUD, but USD? Denied.
That alone kills the dream for many freelancers who rely on USD for 90% of their client base.
The Game-Changer: How I Get Paid in USD & Spend It Anywhere
Let me walk you through my current setup, which works flawlessly in 2025 and doesn’t need a US LLC or complex documentation.
✅ Step 1: Get a USD Account in Pakistan
If you’re running a company (even a small one), you can open a USD business account in Pakistan. Many banks offer this facility, ask for wire transfer capabilities and use it to receive international payments from clients.
✅ Step 2: Use Binance for International Payments
Once I receive payments in USD, I deposit them into Binance using their P2P or direct deposit features.
Binance supports USD deposits, crypto conversions, and global money movement. It’s fast, reliable, and cost-effective.
👉 Sign up for Binance here to start your financial freedom journey.
✅ Step 3: Get a RedotPay Virtual Debit Card
Here’s the real magic:
- I convert my Binance USD to USDT or crypto
- Then I send it directly to RedotPay, a neobank that works beautifully with Pakistani residents
- RedotPay offers a virtual debit card for just $10
- You can add it to Apple Pay and use it worldwide without those crazy taxes or currency conversion penalties
Yes, you heard that right: Apple Pay in Pakistan is possible.
👉 Sign up for RedotPay here and get $5 cashback.
Why This Setup is a Game-Changer for Freelancers
- 🔄 No LLC needed
- 💳 Use your money internationally with Apple Pay and online subscriptions
- 🤑 Save big on withdrawal and conversion fees
- 🧘 Zero stress dealing with US banking restrictions
This system is tailor-made for freelancers, remote workers, and agency owners in Pakistan who want to receive and spend USD like a boss.
Final Thoughts
I’ve been freelancing, building startups, and navigating these challenges for years. The setup I’ve shared here isn’t just theoretical I use it daily, and it’s saved me hundreds of dollars in fees, hours of frustration, and opened up a new level of freedom.
If you’re a freelancer in Pakistan and tired of feeling trapped in financial red tape, this is your way out.
👉 Join Binance with my referral:
https://www.binance.com/activity/referral-entry/CPA?ref=CPA_00RGN5A47R&utm_source=electron
👉 Sign up for RedotPay and get $5 cashback:
https://url.hk/i/en/rgcz9
Welcome to global freelancing the smarter way. 🌍💼