I know you are frustrated because PayPal doesn’t offer its services in Pakistan. This is a big hurdle for us in receiving online payments and paying for services that only supports PayPal. Despite the fact that the online community has struggled a lot and filed many petitions to persuade somehow them opening their payment gateway for us, but all in vain. It seems quite unfair that 190 countries around the globe are being entertained with PayPal’s quality services while a few like Pakistan are deprived of it. Above all, we should also blame the negative minds who have disgraced the fame of Pakistan, and for this reason not only PayPal but many other services have closed their gates for Pakistan. But, there is a solution!

The Good News!

Like all other Pakistanis, I had also gone through the tough times without PayPal. However, after many struggles I managed to find an Alternative to verify PayPal in Pakistan. I can now proudly say that I live in Pakistan and own a verified PayPal account. Today, I’m going to share with you an easy step-by-step guide that can help you in verifying your own PayPal.

Is it legal?

Yes! The method I’m going to share with you IS NOT ILLEGAL. We’ll be using third-party services to help us in verifying a PayPal account.

Things We’ll Be Needing

  • USA Bank Account, Credit or Debit Card. Don’t worry I’ll be explaining how to get a legal one FREE.
  • USA Address. We’ll also manage to overcome this hurdle.
  • A patience of few days.

Ordering a Payoneer MasterCard

First off all we need a Payoneer Master Card.

What is Payoneer?

It is an online payment solution just like PayPal where you can receive or send payments. Payoneer is a registered MasterCard Merchant Service Provider and is Partners with USA Bank to deliver its quality services across the globe.

PayoneerWhen you sign up for Payoneer, you’ll get a REAL MASTERCARD shipped for free to your address. You can swipe it in any ATM of the world. In Pakistan Standard Chartered Bank, Allied Bank and MCB supports Payoneer MasterCard.

How to Apply for a FREE Payoneer MasterCard?

The most important step in getting a verified PayPal is to order a Free Payoneer MasterCard. First of all you need to submit an application to order your card.

1) Click Here Get a Payoneer Card for Free Now. You’ll see a window as shown in the picture below.

Sign-up Payoneer

2) Next Click on the Sign up Button.

3) In the new window, you’ll see a signup form. Fill in with your original Details. You first and last name must be identical to the one on your Government Issued CNIC. Also enter your valid email address (This will be your username). We prefer you to create one on Gmail. Finally give your real Date of Birth as mentioned on your CNIC. Please, not that you must be at least 18 Years of Age to apply for a personal Payoneer MasterCard. Alternatively you can order in the name of your Parents of elder siblings.

Once filled, click NEXT!

Sign up form4) On the next page, select Pakistan from the drop down menu. Then enter a street address, City and Postal Code as it appears on the CNIC. Finally give a valid Mobile or Landline number. Once filled, hit NEXT.

Sign up next5) Here you’ll be entering your password and security question. It’s better to write it on paper and store that piece of paper in a secure place. Moreover, choose an easy password that is memorable. Once done, Hit NEXT.

Payoneer Sign up Next6) Finally, you have to select the type of Identity you’ll be providing. Prefer you CNIC. Next, enter the CNIC number without any spaces or dashed carefully.

Final step Payoneer7) Scroll Down a bit on the same page and accept all terms and agreements as in the picture below and hit Order.

scroll payoneerWithin a few minutes, you’ll receive a confirmation email from Payoneer as in the image below.

app receivedOnce their support team has verified your application and details you’ll receive a welcome email from Payoneer that would be as:

welcome emailHURRAY! We have done the most important step in getting a verified PayPal account in Pakistan. Now you can login to your account from Payoneer.com>My Account. Enter your email address as a username and the password you gave while signing up.

When Will You Get Your MasterCard?

It is the responsibility of Payoneer to ship your card to the address given. Normally, the card is shipped within 10-15 days and sometimes within a week. It depends on your location.

letter received

open letter and get cardSteps Once You’ve received your Card

Activating your Master Card

1) Login to your Payoneer.com account.

2) Click on Activate Card.

3) Enter Username and Password Again.

4) Type the 16 digit card number.

5) Choose a four-digit PIN.

6) Click Submit.

Submitting Questionnaire, CNIC Scanned Images and Getting a Free USA Bank Account

1) Login to your Payoneer Account

2) On the top menu bar under the Receive Menu option click US PAYMENT SERVICE.

US Payment service3) Scroll down a bit, you can see your personal USA “FIRST CENTURY BANK” account number and Routing Number. We’ll use it later in verifying PayPal.

questionnaireBelow your bank account number, you’ll see an option to submit Questionnaire and CNIC Scanned images. Click on Questionnaire and next page just write 2-5 lines telling them why you are using Payoneer. You can write that you have to receive payment from Freelancing sites, etc.

Now to submit your documents, click on Submit, choose the type of identity and upload the front and back of your CNIC. Finally hit submit.

We are finally done with Payoneer MasterCard. Now all we need to do is head towards PayPal and verify it using Payoneer.

Signing up for PayPal and verifying it Using Payoneer

At last we are here! Head over to Paypal.com and hit the Sign up Button.

paypal home pageSelect “Personal Account and click Continue.”

paypal personalNow enter the same email that you used on Payoneer, and choose a random Password and hit continue.

paypal email and passOn the next page, you have to enter the first and last name. It must be the same as it appears on your Payoneer MasterCard. In the street address, enter the same street address the one you gave on Payoneer. For City type “New York”, for State “NY” and Zip Code “10001”. You may enter any city of United States but can also use the above one. For the mobile number, type in the seven digit number that you gave on Payoneer. So, if you mobile number is 03**-4567896, then you have to type only 4567896. Just remove the first four digits and type the remaining seven digits. Agree Terms and conditions and click Create Account.

paypal addressNow enter your 16 Digit Payoneer Card number, expiration month, date and 3 digit CVV/CSS that is on the back of your card. Click Link Card!

paypal link cardYou have to skip this form because we don’t need it.

paypal no thanks buttonOK! Now we have successfully created a PayPal account but it’s still not verified. Click on the “Account” button in the top right corner.

paypal accountNext confirm your PayPal account by clicking on “Confirm Email” as shown below. You may be asked to set a security question. Just select a random and memorize it.

paypal confirm emailNow comes the interesting Part. Click on “Link a Bank” as shown in the picture below.

paypal link bankOn the next window click, “I Have a Different Bank”.

paypal different bankHere choose bank type “Checking”. We’ll need a routing number and Bank account number. Login to your Payoneer Account!

linking payoneer bankClick on Receive Payment>US Payment Service and scroll down and copy paste the routing number and account number.

questionnaire 2Once done you have to click Agree and Link!

After 1-2 days, PayPal will send two small transactions in your Payoneer card. You’ll receive an email containing that amount as shown below.

Head over to your PayPal account and click, “Confirm Bank”. Enter the two amounts you received and hit Confirm.

HURRAAYYY! Now you have successfully verified your very own PayPal account in Pakistan. The only thing left is mobile number verification. This won’t be a problem, but for your safety you can buy a virtual USA Number and verify PayPal, or take help of a friend of family member in The USA to get you one.


  • Do not login again and again in your PayPal else it may get Limited.
  • Don’t use different proxies to login.
  • Always send payment to a verified PayPal.
  • Enjoy!

Disclaimer: The Method discussed above is 100% working. However, in case of any limitations or loss the author is not responsible. We have given you exact steps and precautions. Negligence would result in limitations on your PayPal.





  1. Hello Sami,
    Thanks for your post. I want to know that is it a latest information??? because few months back, Paypal terminated all accounts linked to Payoneer. Have you or anyone else created verified Paypal with this method?or is it working smooth?

    • All these methods are good for receiving payments but you cannot make payments from it. I have made this account so that I can make payments in ebay but it is not possible. I have transferred fund via skrill to payoneer account but it cannot make payments. I have contacted to payoneer support too they said you can only receive payments and withdraw it in your country but you cannot make payments

      when you enter your payoneer card number for purchase it asks card number, cfc code, expiry date, Name and also ADDRESS YOU MENTIONED IN MAKING THIS CARD. Now we have give pakistan address in payoneer account that is why the payment rejects all the time

      Have 2 payoneer accounts but are useless for me

  2. Also Paypal does not accept Virtual Phone Number for verifications and same thing for the VCC as well. So how the hell are we going to make money…
    Somebody plz help….

    No tricks are working anymore with Paypal…..

  3. is there any sort of restriction on paypal like, payoneer (you have to pay annually for payoneer account)
    do we have to pay, paypal for its services or its totally free once account is made and verified.
    and this methods works (in the month of september 2015) ….. right???

  4. Hi, I am from Bangladesh. I followed your steps and do everything what you said. My account was verified but after two days suddenly without showing any reason paypal have been removed my bank account. Please help by giving a suggetion. I will be waiting for hearing from you.

    Thank you very much for this great tutorial

  5. Hey there.
    Thanks for your hard work on making this article.
    It was really helpful.
    I just have this problem that I am a 17 year old Gamer in Pakistan, Rawalpindi.
    I have a CNIC Card but it’s a smart card for under 18 Kids.
    I will become completely 18 on (14th August 2016).
    I want to purchase Games, Products and do much more Online.
    I even applied for Online jobs like free-lancing and Data Entries, but they all require Paypal accounts.
    I am so fed up with this.
    Problem is, You said in your Article that I need to be 18 at least to make it possible for me to use a Verified Paypal account.
    So I have to wait a whole year now.
    Is it really the only way? (waiting a year i mean)

  6. Hello Bro

    Very nice comment but the thing is paypal no more accept payoneer from July 2015. please find out some other way to get verified

  7. Hello
    i have applied for this and not receiving the the amount in payoneer account from paypal for verification purpose.
    its been a week. after searching on internet i found that paypal is no more sending amount to payoneer or accepting bank detail if you are applying via payoneer services
    is that true.?

  8. Hello! I found this article really helpful! Thank you for it. I have a question, i have a payoneer mastercard ( The freelancer.com one ). However ive tried many banks stated to work with mastercard but all of them decline the requestion saying the card is invalid. The card is not damaged in any way and i had over 100$ in it when withdrawing about 40$ only , i contacted payoneer support but they dont seem to know the cause either. Can you help me ?

  9. can you please help me for create paypal account , i have payoneer card but it not connect to paypal, please help me or if you have cell number please let me know.


  10. Sir,
    I, have Payonner Master card received. and all process done. Paypall transfer to 2 mount in may US payment services a/c and amount show in my Payonner a/c.

    But the Paypal e-mail received that they delete y bank a/c See the paypal mail as under.-
    Dear xxxxx
    On Oct 31, 2015, we attempted to transfer from your bank account ending in x-xx40. We received an automated response from your bank informing us that they could not complete the transfer.
    As a result, we have removed this bank account from your PayPal account.
    To re-add this bank account to your PayPal account, please confirm with your bank that all information is correct. Alternatively, you can add another bank account.
    We apologize for any inconvenience this may cause.


    Is my Paypall a/c verified or not
    what can i do in this situation.


  11. Salam!
    You just said that it is Legal to do do this but at the end you also said that “for your safety you can buy a virtual USA Number and verify PayPal, or take help of a friend of family member in The USA to get you one.” What if you don’t have relative in America? This is worrying me!!!

  12. Dear I am getting this message after linking my card with paypal. We are not able to process your request. Please try again later.

    Please help.

  13. dear i have enter my csc no but number disappear and message come the message is,We are not able to process your request. Please try again later.
    please guide me.

  14. Thank you for sharing, however this method is banned now because payoneer does not allow the paypal to take back their deposited amount, so the paypal will remove that bank account.

  15. Your blog is very helpful but i do have a question. How can i get money present in paypal account other than using it online? Is the payoneer master card can be used to draw money from paypal account in pakistan?

  16. Sami Khan
    Great info. can I utilize the address, phone No and bank account of my brother living in saudi arabia for getting paypal account in pakistan?

  17. i followed your steps for verified paypal account as shown in above…and complete with all steps on 3 dec 2015…but i do not receive my card yet…can you please guide me that whats wrong or i missed something..i urgently need paypal account please guide me.

  18. Hi,

    Thanks for sharing the procedure. I am stuck at the Questionnaire step in my Payoneer account

    Click on Questionnaire and next page just write 2-5 lines telling them why you are using Payoneer. You can write that you have to receive payment from Freelancing sites, etc.

    What web address should i provide in the following question
    “Provide a direct web link to your online store or website”


  19. Hi

    Is this still working ? I have heard that PayPal is no longer accepting Pioneer cards for new signups.

    Can you confirm or deny please.

  20. sir when i try to link a bank then show me that msg “Sorry, we are not able to process your request. Please try again later.”please guide me

  21. This method in no more useful you can complete all the steps above stated up to paypal will send two amounts and you can verify that too but in last step we got failed and that is Paypal ask to withdraw same two small amounts because Payoneer do not allow withdraw money to paypal or bank account, Payoneer only allow to withdraw money through card.
    I did recently I have Payoneer card specially apply for this purpose but got failed.

  22. Hi, i followed every step pay pal transferred small amount in payoneer acccount but paypal then sensend me email thaythat they have removed my bank account as they received automated response. I need support what shud I do?

  23. I can’t sign up since my country no longer accepted? Do you think it would be a good idea to buy a PayPal account from sources such as Auction Essistance? I am a freelancer and my clients pay only Paypal!!!

  24. I opened a PayPal account while working in Saudi Arabia. (PayPal allows Saudi Account) Used the account without any problem for many years. I moved to Pakistan couple of years back and changed my shipping address to a Pakistani address. I did not face any problem getting the items shipped from eBay and paying with PayPal to my Pakistani address. Recently my PayPal account was blocked. I called the PayPal customer service but they said, even though the account is in good standing but accessing the PayPal from Pakistan is not supported.
    Conclusion: No matter where your PayPal account was made from, if you try to access it from Pakistan, your PayPal account will ultimately will be blacklisted.

    • koe faeda nahi
      Dear Sheraz,
      Paypal recently attempted to pay you through Payoneer’s Global Payment Service. Unfortunately, we cannot process payments made by Paypal through the Global Payment Service.
      Here are the payment details:
      Payment ID 13509764
      Amount 50.00
      This payment will be returned to Paypal in the next 1-3 business days, and you will not be charged a fee for it. For a full list of restrictions on using the Global Payment Service, please view our Terms & Conditions

  25. Asslam-O-Alikum
    Sir, mera Paypal ka account mobile approval mang rha hai our new browser main approval ke bagir open nhi ho rha hai.
    maine Paypal ke account main “Fake name generater” se US ka number dia hai.
    Sir, please help kr de ap ki bohat mehrbaani ho gi.

  26. Hello everyone,kisi ka payoneer sey paypal ka account is liye nhi bn rha q k paypal account bnanay k liye payoneer mastercard mein minimum 5$ honay chahiye
    So sbhi log pehlay apne payoneer mastercard mein 5$ transfer krwaeyn….phir card link ho jaye ga.

  27. sir hum apny local bank jassy pakistani debit card sey money payoneer mastercard may transffer kr sakty hy.plzzz help me thank you

  28. If you want to buy anything online or pay you can contact me i can pay for you using my paypal account. you can send me money through bank.

  29. all of you listen carefully nobody can verify paypal and other payment services because we are pakistani so go fuck yourself , there is no other way because in order to verify paypal you become a us citizen payoneer us account is now ach account they didn’t accept verification so now fuck this country … not only paypal you can not register us sites cause you are pakistani your country status is not counted in the globe of world shit this country

  30. Helloe everybody, Sir I have followed all steps which you have shown in images of Poineer card. I have followed the same method. They have said to me about the shipment of card will during 25 days. The dates were mentioned. But Now after 5 months later it is still didn’t shipped to my address and i didn’t get the poineer card.
    Sir please suggest me how to get it in process and get the poineer card back. I am almost in tension and after 5 months seriously i didn’t get my card on shipping address. Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Plz Sir Kindly give me the way to get off it and get my card. It would be a great pleasure of taking my message seriously and getting me out of it and getting the poineer card. Thanks 4 seeing my message. I will be waiting for your reply sir.

  31. If i follow all the steps mentioned above but give a legit address of a friends house in Canada(as my address to paypal rather than just giving my Pakistani address as given on payoneer but with an american state), would there be any problem ? Or will i be able to verify and use my paypal ?

  32. I bought a verified PayPal from Auction Essistance which has been working. My only issue is, I don’t have a USA bank since Payoneer is no longer accepted. Do you have other ways to cash out from the account?

  33. Hey Sami please let me clear one thing.. i had ordered my Payoneer master card.. my card isn’t submitting but my bank account has been submitted that was given by Payoneer.. when i am submitting a card what address should i have to use???

  34. bro my card is not linkikn, when i link my card with paypal, ten it shows this error {This card is not accepted. Please use a different card.}

  35. GUys can anyone please tell me that how do you show this money to file income tax? Should I directly show statement of account of Payoneer?


  36. Who made this PayPal card in islambad! My Islamabad friends, if some have verified card I wanna transfer some amount to purtagal, I ll give him transfer fees up to 5000, plz contact me

  37. Allied Bank in Pakistan just make an agreement with Xoom in USA. Xoom is part of PayPal

    and all Paypal user sends money in Pakistan using their Xoom accont.
    In Pakistan receiver can simply sign up new xoom account

    currently only this way where USA PayPal users send money directly in Pakistan

  38. hello i got payoneer ATM card when i try to activated my ATM card he say your account has been loked but why can you help me

  39. I got me a PayPal account from Auction Essistance which is working good. The only issue I am having is trying to get money out since Payoneer was banned by PayPal. Do you have any good alternatives?

  40. Add a Bank Account in the United States
    Error Message
    We were unable to process your bank account registration at this time. We apologize for the inconvenience. Please try again at a later date.


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