# Fiverr or Upwork from Pakistan: fees, account approval and withdrawals

URL: https://which.pk/business/guides/fiverr-vs-upwork-pakistan/
Author: Hassam
Updated: 20 Oct 2026

## Summary

Fiverr pays freelancers 80% of each completed order and holds the money for a 14-day clearing period. Upwork charges a service fee of 0% to 15% per contract, shown before you apply, and you buy Connects at $0.15 each to send most proposals. Upwork pays rupees straight into a personal Pakistani bank account for $0.99 a withdrawal. Fiverr pays Pakistanis through Payoneer for $1 to $3 a withdrawal, because PayPal doesn't serve Pakistan. Both check your ID; a CNIC works on Upwork.

## Key facts

- Fiverr's cut: 20% (you keep 80%)
- Upwork's fee: 0% to 15% per contract
- Upwork to Pakistani bank: $0.99 per withdrawal
- Fiverr clearing period: 14 days

**Fiverr vs Upwork** comes down to how you want to find work. On Fiverr you publish a fixed-price Gig and wait for orders, and **Fiverr keeps 20%** of each one. On Upwork you send proposals using Connects ($0.15 each), and the **service fee is 0% to 15% per contract**. For getting paid in Pakistan, Upwork sends rupees to your bank for $0.99 a withdrawal; Fiverr pays through Payoneer for $1 to $3 (both help centres, 20 October 2026).

**Fiverr's share of a $100 order:** $20 (Fiverr pays freelancers 80% of the client's cleared payment (Fiverr help centre, October 2026))

## Fiverr vs Upwork: which is better for freelancers?

What each platform's help centre says, checked on 20 October 2026:

| | Fiverr | Upwork |
|---|---|---|
| How you get work | Clients order your Gig | You send proposals to job posts |
| Cost to apply | None | Connects, $0.15 each; the number per job varies |
| Fee on your earnings | 20% (you keep 80%) | 0% to 15%, fixed per contract |
| Fee the client pays | 5.5%, plus $3 on orders under $100 | Up to 7.99% on Upwork's free Basic plan |
| Approval to start | Gig passes an automatic review | Profile must be approved before you apply |
| When money is available | 14 days after the order completes | Hourly: 10 days after the billing week; fixed-price: 5 days after approval |
| Payout to a Pakistani bank | Bank transfer via Payoneer, $1 to $3 | Direct to Local Bank, $0.99, in rupees |

Fiverr suits work you can package with a fixed price and delivery time, such as a logo or a set of edits. Upwork suits hourly or longer projects where the client wants to read a proposal first.

## What are the Fiverr vs Upwork fees?

**Fiverr** pays you **80%** of the client's cleared payment once an order is complete. Gig prices are in US dollars and start at **$5**. Top Rated freelancers and Seller Plus Premium members can take an early payout before the clearing period ends, for **1%** of the amount.

**Upwork's** Freelancer Service Fee runs from **0% to 15%**. You see the exact percentage before you send a proposal or accept an offer, and it doesn't change once the contract starts. Upwork's own example: to take home $20 an hour at a 10% fee, you charge $22.22.

On top of the fee, you buy **Connects** to apply for most jobs. They cost **$0.15** each, sold in bundles, and each job post shows how many it needs. Upwork says new users may get a one-time 50-Connect bonus after their first purchase or a Freelancer Plus subscription.

**The client pays a fee too:** Fiverr adds 5.5% at checkout, plus $3 on orders under $100. Upwork charges clients on its free Basic plan up to 7.99%. Clients see these on top of your price.

## How hard is it to get approved from Pakistan?

**Fiverr:** you build a profile and publish a Gig from a desktop. Before it goes live you verify your email and phone and give personal and business details. The Gig then goes through an automatic review. New freelancers can have up to **4** active Gigs, and some categories accept only freelancers Fiverr's team has vetted.

Fiverr also asks new freelancers for ID verification after the first Gig: the original ID, a selfie and a working phone number, not a VOIP number. Fiverr says some new freelancers pay a one-time fee for this check, but doesn't say how much.

**Upwork:** you can search and apply for jobs only "once your profile is approved". Upwork doesn't publish how long that takes or its criteria. Your title and introduction can't contain website addresses.

Upwork may ask you to verify your identity, for example when you send a proposal, and gives you **seven days**. A **CNIC** is accepted, along with a passport or driving licence. The country on your ID must match your profile, and your name must match on your ID, withdrawal method and tax details.

## How do I withdraw from Fiverr and Upwork in Pakistan?

PayPal appears on both payout lists, but **Pakistan is not on PayPal's list of supported countries** (checked 16 October 2026). See [PayPal in Pakistan](/business/guides/paypal-in-pakistan/). That leaves:

| Route | Fee | Time | Limits |
|---|---|---|---|
| Upwork Direct to Local Bank | $0.99 | Within 4 business days | $5 to $8,999 per withdrawal |
| Upwork US dollar wire | $50 | Not stated | |
| Upwork to Payoneer | Not stated by Upwork | Not stated | |
| Fiverr bank transfer via Payoneer | $1 to $3 | 1–3 business days (rupees), 5–7 (USD wire) | $20 minimum |
| Fiverr to Payoneer account | $3 | Up to 2 business days | $10 minimum |

Upwork pays rupees only into a **personal** account; it can't pay a company account in rupees. A new withdrawal method goes live after three days.

Fiverr's pages disagree on the bank transfer fee: its main withdrawal page says $1, its Payoneer page says $3 for rupees and $1 for a USD wire. Check the fee on your withdrawal screen. Fiverr allows up to **$5,000** per withdrawal, and one withdrawal method can be linked to only one Fiverr account.

[Payoneer](/money/guides/payoneer-in-pakistan/) then charges its own fee to send money to your bank. Every route is compared in [freelancer payment methods in Pakistan](/business/guides/freelancer-payment-methods-pakistan/).

## Do I pay tax on Fiverr and Upwork income?

When dollars for exported services reach your Pakistani bank, the bank deducts tax under section 154A: **0.25%** if you are registered with PSEB (Pakistan Software Export Board), **1%** if not (FBR rate card, tax year 2027). See [PSEB registration](/business/guides/pseb-registration/) and [freelancer tax in Pakistan](/business/guides/freelancer-tax-pakistan/).

More guides: [E-commerce & IT Export](/business/ecommerce-it-export/), [dollar account in Pakistan](/money/guides/dollar-account-pakistan/), [software and IT export](/business/guides/software-export-pakistan/).

## Questions people ask

### Which is better for beginners, Fiverr or Upwork?

Fiverr charges nothing to apply: you publish a Gig and clients find you, but Fiverr keeps 20% of every order. Upwork needs your profile approved and charges Connects to apply for most jobs, but its fee per contract is 0% to 15%.

### How much does Fiverr take from Pakistani freelancers?

Fiverr pays you 80% of each completed order, so it keeps 20%. Withdrawing through Payoneer then costs $1 to $3 each time (Fiverr help centre, October 2026).

### How do I get Upwork payments in Pakistan?

Upwork's Direct to Local Bank sends rupees to a personal Pakistani bank account for $0.99 per withdrawal, from $5 up to $8,999 each time. Payoneer is the other option.

### Can I use PayPal for Fiverr or Upwork in Pakistan?

No. Both list PayPal as a payout method, but Pakistan is not on PayPal's list of supported countries (checked 16 October 2026).

### Does Upwork accept a CNIC for identity verification?

Yes. Upwork lists the national ID card (NIC/CNIC) among accepted IDs, along with passports and driving licences. The country on your ID must match your profile.

## Sources

- [How Fiverr works for freelancers](https://help.fiverr.com/hc/en-us/articles/34069565843985-How-Fiverr-works-for-freelancers), Fiverr (accessed 20 Oct 2026)
- [How Fiverr works for clients](https://help.fiverr.com/hc/en-us/articles/360010558038-How-Fiverr-works-for-clients), Fiverr (accessed 20 Oct 2026)
- [Creating a Gig](https://help.fiverr.com/hc/en-us/articles/360010451397-Creating-a-Gig), Fiverr (accessed 20 Oct 2026)
- [Verifying your identity as a new freelancer](https://help.fiverr.com/hc/en-us/articles/6348992414097-Verifying-your-identity-as-a-new-freelancer), Fiverr (accessed 20 Oct 2026)
- [Withdrawing your earnings & managing payout methods](https://help.fiverr.com/hc/en-us/articles/360010530058-Withdrawing-your-earnings-managing-payout-methods), Fiverr (accessed 20 Oct 2026)
- [Setting up Payoneer as a payout method](https://help.fiverr.com/hc/en-us/articles/14257019400465-Setting-up-Payoneer-as-a-payout-method), Fiverr (accessed 20 Oct 2026)
- [Early Payout](https://help.fiverr.com/hc/en-us/articles/4402267122449-Early-Payout), Fiverr (accessed 20 Oct 2026)
- [Learn about the Freelancer Service Fee](https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee), Upwork (accessed 20 Oct 2026)
- [What is the Client Marketplace Fee?](https://support.upwork.com/hc/en-us/articles/4660220468499-What-is-the-Client-Marketplace-Fee), Upwork (accessed 20 Oct 2026)
- [Understanding and using Connects](https://support.upwork.com/hc/en-us/articles/211062898-Understanding-and-using-Connects), Upwork (accessed 20 Oct 2026)
- [How to sign up as a freelancer on Upwork](https://support.upwork.com/hc/en-us/articles/24492534968211-How-to-sign-up-as-a-freelancer-on-Upwork), Upwork (accessed 20 Oct 2026)
- [How to verify your identity as a freelancer](https://support.upwork.com/hc/en-us/articles/360001176427-How-to-verify-your-identity-as-a-freelancer), Upwork (accessed 20 Oct 2026)
- [How to get paid on Upwork](https://support.upwork.com/hc/en-us/articles/211060918-How-to-get-paid-on-Upwork), Upwork (accessed 20 Oct 2026)
- [What are the fees, limits, and timing of Direct to Local Bank payments?](https://support.upwork.com/hc/en-us/articles/211060578-What-are-the-fees-limits-and-timing-of-Direct-to-Local-Bank-payments), Upwork (accessed 20 Oct 2026)
- [PayPal Global: List of Countries and Currencies](https://www.paypal.com/us/webapps/mpp/country-worldwide), PayPal (accessed 16 Oct 2026)
- [Withholding Income Tax Rate Card, Tax Year 2027](https://download1.fbr.gov.pk/Docs/202681113864992WithholdingTaxRatesCard2027.pdf), FBR (accessed 8 Oct 2026)