SadaPay and NayaPay are Pakistani mobile accounts with an IBAN. For freelancer income that arrives through Payoneer, neither works like JazzCash's official in-app Payoneer link. NayaPay documents adding its IBAN in Payoneer; SadaPay lists Payoneer without documenting the steps. The funds convert to rupees on the way in, and the useful comparison is how money arrives, what limits apply, and how the balance is then spent.
Figures below come from official help pages and schedules opened on 11 November 2026. Limits and charges can change with provider or State Bank rules. Confirm the current amount in the app before sending a large payment.
At a glance
Check | SadaPay (personal account) | NayaPay |
|---|---|---|
How Payoneer money arrives | IBAN from Load money. SadaPay lists Payoneer but does not publish the Payoneer-side steps, and its FAQ says the account cannot be linked to remittance platforms. | Added in Payoneer as a personal PKR bank account, bank name NayaPay, 24-digit IBAN from Add Money. |
Currency on receipt | Converted to PKR. The personal account cannot hold the remittance in USD. | PKR bank withdrawal in Payoneer. |
Incoming remittance fee (wallet's own) | SadaPay schedule, revised June 2026: incoming remittances are free. | See NayaPay's current Schedule of Charges (July - December 2026). An incoming remittance fee is not listed among the figures quoted from that schedule below. |
Published incoming limits | Official personal-limits page, marked 'Updated this week' when opened on 11 November 2026: Rs. 400,000 monthly all-credit cap, resetting on the 1st of each month, and a Rs. 2,500,000 maximum wallet balance. No separate foreign-remittance cap is listed on that page. | Limits article, last updated 24 June 2025: upgraded monthly incoming Rs. 400,000, and a separate upgraded monthly foreign remittance of up to Rs. 1,500,000. Initial limits are lower until biometric upgrade. |
Cards (official, dated) | June 2026 schedule: virtual Mastercard issuance is free; physical Mastercard or PayPak issuance is Rs. 1,724. | NayaPay Schedule of Charges, July - December 2026, opened 11 November 2026: Visa virtual Rs. 600; Visa physical Rs. 1,000; PayPak Rs. 1,808. |
Choose SadaPay if a current official personal-limits page is the priority, and incoming remittances are listed as free. SadaPay lists a free virtual Mastercard; NayaPay lists a Visa virtual card at Rs. 600. Choose NayaPay if the separate upgraded foreign-remittance cap, as last published in June 2025, still matches the account, and that higher remittance headroom matters more than the personal SadaPay monthly all-credit cap. Choose neither as the main receiving account if JazzCash's official in-app Payoneer link or a regular bank account is a better fit for the next payment.
How Payoneer money reaches each
Fiverr does not pay these wallets directly. Earnings that start on Fiverr still need Fiverr to Payoneer first. The steps below start after a Payoneer balance is available.
NayaPay
NayaPay's Payoneer article, last updated 19 August 2023 and opened on 11 November 2026, gives this sequence. In Payoneer, choose the currency to withdraw and select Withdraw. If NayaPay is not already saved, add a new bank account: category Personal, country Pakistan, currency PKR, bank name NayaPay, the name as it appears on the CNIC, and the 24-digit IBAN from the NayaPay app under Add Money. Confirm the Payoneer date of birth and password.
NayaPay says verification of a newly registered bank account on Payoneer typically takes one to two business days, after which Payoneer emails confirmation. That article is several years old relative to this check, so confirm the labels in the current Payoneer and NayaPay apps before treating every click as unchanged.
SadaPay
SadaPay's remittance article, dated 14 August 2025, lists Payoneer among the platforms that can send money to a SadaPay wallet. It also says the SadaPay account cannot be linked to remittance platforms, and that the IBAN is found in the app under Load money. The same article mentions linking in one line and "cannot link" in the FAQs. SadaPay lists Payoneer among supported remittance platforms but does not publish the Payoneer-side steps, and its own FAQ says the account cannot be linked to those platforms. Adding the SadaPay IBAN as a PKR bank account in Payoneer follows the same pattern NayaPay documents, but SadaPay does not confirm it. Check that Payoneer accepts the IBAN and that SadaPay credits it before sending a large amount.
SadaPay says it charges no fee to receive, conversion uses the sending platform's rate on the settlement day, timing is usually instant and sometimes one to two working days, and the amount is converted to PKR. The personal account cannot hold that remittance in US dollars.
Limits to check before a large payment
NayaPay's limits article, last updated 24 June 2025, says EMI limits follow State Bank rules and can be raised by biometric verification in the app or at a Meezan Bank ATM. After upgrade, the published figures include monthly incoming of Rs. 400,000, daily transfers to banks of Rs. 200,000, daily cash withdrawal of up to Rs. 50,000, and monthly foreign remittance of up to Rs. 1,500,000. Initial limits before upgrade are much lower, including Rs. 50,000 for monthly incoming and monthly foreign remittance.
Because that article was last updated in June 2025, confirm the same figures in the current app or on NayaPay's help page before relying on the remittance cap.
SadaPay's personal-limits page, marked 'Updated this week' when opened on 11 November 2026, lists a maximum wallet balance of Rs. 2,500,000, incoming credits from other banks of Rs. 400,000 per transaction and per day, and an all-credit monthly cap of Rs. 400,000 that resets on the first of each month. Outgoing transfers are listed at Rs. 400,000 per transaction and per day, and Rs. 500,000 per month. ATM withdrawals for BVS-verified users are listed at Rs. 50,000 per transaction and per day, and Rs. 1,500,000 per month.
That personal-limits page does not list a separate foreign-remittance cap. Incoming Payoneer credits may therefore sit inside the Rs. 400,000 monthly all-credit limit. Do not assume a higher unofficial remittance cap for the personal wallet. Card-transaction figures on the same page are not clearly mapped to per-transaction, daily or monthly periods in the published table, so they are not quoted as if they were.
SadaBiz, a separate SadaPay product for client payment links, is not a documented Fiverr or Upwork payout method and should not be mixed with these personal-wallet limits.
Cards, top-ups and moving money out
SadaPay's schedule of charges, revised June 2026, lists free account opening, no annual account charge, free incoming remittances, ATM cash withdrawals at Rs. 35, and the card issuance prices in the table above. An ePRC for transactions older than a year is listed at Rs. 400. International card fees are published on the same schedule and should be read there, including the withholding-tax note for international transactions. SadaPay's schedule lists local bank transfers without a visible amount on the page; confirm the fee in the app.
NayaPay's current fee table is the July - December 2026 Schedule of Charges at nayapay.com/soc. NayaPay Schedule of Charges, July - December 2026, opened 11 November 2026: signup and annual fees are free; Visa virtual Rs. 600; Visa physical Rs. 1,000; PayPak Rs. 1,808; transfer to NayaPay is free; local bank transfer via Raast is free; via 1LINK is free up to Rs. 25,000 a month, then 0.1% (max Rs. 200); local ATM Rs. 35; Meezan biometric ATM Rs. 50; international ATM Rs. 200; international card transaction USD 0.25; wallet upgrade by biometric Rs. 60. Open the current schedule or the in-app fee line before a transfer or ATM withdrawal.
When a wallet is not the best fit
If the goal is Payoneer's official JazzCash product, use the in-app JazzCash link rather than forcing SadaPay or NayaPay to behave like that partnership.
If the income is an Upwork Direct to Wallet payout, SadaPay and NayaPay may already appear among the supported Upwork wallets. That setup is separate from adding the same wallets as a Payoneer IBAN destination, and it is not repeated here.
If the main need is PKR in a regular bank account, compare wallet versus local bank instead of choosing a daily wallet by default. That comparison is written around Upwork proceeds, but the idea of checking the end-to-end PKR amount still applies.
Mistakes to avoid
Adding an IBAN whose account-holder name does not match the Payoneer registered name.
Treating JazzCash's in-app link as if it were the SadaPay or NayaPay setup, assuming SadaPay documents the same Payoneer IBAN steps as NayaPay, or treating a wallet IBAN as a shared linking code.
Assuming published limits never change, especially NayaPay figures last updated in June 2025.
Mixing SadaBiz USD earnings limits with the personal SadaPay wallet.
Sending an amount that fits Payoneer but exceeds the wallet's monthly credit or remittance cap.
