How to Collect International Payments from Clients in Pakistan Without PayPal or Stripe (2025 Guide)

Forhopp Inc.
Freelance Tips, Resources, Trends
July 12, 2025

Freelancers and service providers in Pakistan have long faced a critical question:
“How do I get paid by international clients if I don’t have PayPal or Stripe?”

PayPal is not available in Pakistan, and Stripe requires a registered business in a supported country — making both inaccessible for most Pakistani freelancers, agencies, and solo entrepreneurs.

Yet, every day, thousands of people in Pakistan collect payments from clients in the US, UK, Canada, and Europe. So how do they do it?

In this article, we’ll explore reliable, legal, and efficient alternatives to PayPal and Stripe – including platforms, services, and new solutions like Forhopp that enable frictionless international payments for Pakistani freelancers.

Why PayPal and Stripe Don’t Work in Pakistan

❌ PayPal

PayPal is still not available in Pakistan due to:

  • Regulatory and compliance issues

  • Lack of direct agreements with the State Bank of Pakistan

  • Concerns about money laundering frameworks and risk exposure

❌ Stripe

Stripe doesn’t support Pakistani individuals or businesses directly. It only operates in countries with mature banking and compliance infrastructure.

To use Stripe legally, you need:

  • A registered business in a Stripe-supported country

  • A foreign bank account

  • Local tax registration in that country

That’s a high barrier to entry for solo freelancers.

Alternatives to PayPal and Stripe for Freelancers in Pakistan

Let’s look at trusted, functional, and accessible alternatives that are commonly used and accepted by global clients.

1. Forhopp – The Most Integrated Solution for Freelancers

Best For: Freelancers and service providers who want all-in-one project handling, payment collection, and local withdrawals.

How it works:

  • You create a profile on Forhopp

  • Go to dashboard and find the tab “Collect Payments”. By using this features, you will be able to collect payments from your exisitng clients even staying outside the Forhopp Marketplace. Then, create invoice for the amount you want to collect.

  • Forhopp collects the payment and sends it directly to your Pakistani bank account via local gateway

Benefits:

  • No need for PayPal or Stripe

  • Local currency withdrawal

  • Built-in contract, dispute resolution, and tax handling

  • Faster and safer than negotiating off-platform deals

Bonus: Clients don’t need to do anything special – they pay just like they would on Upwork or Fiverr. Because of this Forhopp is the best freelaning website in Pakistan.

2. Payoneer

Best For: Freelancers using platforms like Upwork or Fiverr, or receiving payments directly from companies.

How it works:

  • You create a Payoneer account (free)

  • You get virtual bank accounts in USD, GBP, and EUR

  • Clients can pay you using bank transfers, ACH, or credit cards

  • You withdraw to your Pakistani bank account

Pros:

  • Widely accepted by businesses

  • Supports direct client invoicing

  • Linked to major freelance platforms

Cons:

  • Charges high FX and withdrawal fees

  • Payment delays are common

  • Limited dispute protection

3. Wise (formerly TransferWise)

Best For: Registered freelancers or companies with clients in Europe or the US.

How it works:

  • You open a Wise account and get multi-currency bank details

  • Your client pays you via bank transfer (e.g., USD to your Wise account)

  • You withdraw to your Pakistani bank at a favorable exchange rate

Pros:

  • Transparent FX fees

  • Very low cost

  • Regulated and safe

Cons:

  • Sometimes requires foreign tax verification

  • Not designed for gig economy or one-off clients

  • Payouts can take 1–3 days

4. Skrill / Neteller

Best For: Freelancers doing small tasks or gaming/gambling-related work (niche use cases)

These e-wallets allow you to receive international payments, but:

  • Their FX fees are high

  • Not all clients are comfortable using them

  • Limited support for invoicing and taxes

Not recommended for professional freelancers or agency owners.

5. Bank Wire Transfers (SWIFT)

Best For: High-ticket services or B2B work

How it works:

  • Your client sends an international bank transfer using your SWIFT code

  • The money arrives in your local bank account (in PKR or USD)

Pros:

  • Fully legal and regulated

  • High trust factor for business clients

Cons:

  • Expensive (~$25–50 per transaction)

  • Slow (3–7 business days)

  • Requires manual invoice creation and email follow-up

Comparing the Options

Method Setup Time Client Friendly Local Bank Withdrawals Best For
Forhopp Very Easy ✅ ✅ Freelancers & small teams
Payoneer Moderate ✅ ✅ Platform-based freelancers
Wise Moderate ✅ ✅ Registered freelancers/SMBs
Bank Transfers Complex ✅ ✅ High-value projects
Skrill/Neteller Easy ⚠️ Limited ✅ Niche/low-volume transactions

Why Forhopp Stands Out for Freelancers in Pakistan

While platforms like Payoneer and Wise are useful, they’re not designed specifically for freelancers.
Forhopp is different:

  • You don’t need to invoice separately

  • You don’t need to convince clients to use a third-party tool

  • You get all-in-one project, payment, and dispute resolution tools

In short, Forhopp lets you focus on your work while handling the money and compliance for you.

Final Thoughts

Not having access to PayPal or Stripe used to be a disadvantage.
Today, it’s just an outdated narrative.

With platforms like Forhopp,, Pakistani freelancers can:

  • Work with clients from around the world

  • Collect payments in USD, GBP, or EUR

  • Withdraw funds legally to their bank accounts

  • Build a long-term, tax-compliant freelancing career

The key is to stop waiting for global tech to catch up — and start using tools made for your market.

So if you’re still asking,

“How do I collect international payments without PayPal?”

Here’s your answer:
Use Forhopp. You won’t need anything else.