International Payment Gateway - Accept Payments in Pakistan

Now collect payment seamlessly. 100% secure & trusted. Used by 10k+ freelancers and agencies.

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5000+ Freelancers collected payments through us last week

How International Payment Gateway Works?

Easy Registration
Easy RegistrationInstant signup with Google one tap or using email address. No setup fee. No conditions.
Verify Your Identity
Verify Your IdentityComplete your KYC by submitting the necessary documents like address proof and identity.
Enable Online Payment Option
Enable Online PaymentsCreate an invoice, enable the online payment options, and send it to the client.
Payment Received
Get PaidOnce the client paid, you receive the amount in PKR directly to your bank account.

Lowest Fee to Collect International Payments

Most Trusted Payment Gateway for Individuals & Freelancers to Accept Payments in PaksitanNo Hidden Charges. No amendment fees. No Forex Charges.
Bank Account Option
1.5% or lessWhen payment done via ACH or wire transfer.
Credit and Debit Card Online Payment option
4% or lessWhen payment done via Debit or Credit card.
The above rates are inclusive of Taxes.

Why International Payment Gateway?

No Forex LossOur forex rates are better than what you see on google or in your favorite bank.
Multiple Currency and Country supported on quotation template
90+ CountriesWe support all major currencies like USD, GBP, EUR, SGD, and from other 90+ countries.
Easy Process
Easy KYC ProcessEasy to enable the online payment options and receive the amount in your bank account with a simple KYC process.
low transaction fee
Lowest FeeWe charge as small as possible without any conditions, hidden charges, or setup fees.
Payment options
ACH & Card PaymentThe client gets multiple payment options which include ACH, bank transfer, wire transfer, debit, and credit card. ACH is as good as bank transfer for the local payer.
faster payouts
Faster PayoutsT+1 settlement for 80% transaction which is best in the industry.
Safe Secure Data
Data ProtectionAll the payment collected via Refrens is secured and we maintain full transparency of transactions.
Live Chat Support
Live SupportWe are always available to support you via email and live chat.

Frequently Asked Questions (FAQ)

Are there any hidden charges while using Refrens invoice?

None. There are no hidden charges. We only charge a small payment gateway fee, if you wish to collect payment online through Refrens payment gateway.

Are all international currency allowed?

Yes. We support all popular currencies like USD, GBP, EUR, SGD and many more to accept the international payments.

What are the charges of international payment gateway?

We are charging as little as possible with 0% forex charges. If your client pays via wire transfer or ACH then we charge 1.5% or less, whereas if your client pays you via debit or credit card then we charge 4% or less and all these rates are inclusive of tax.

What is the settlement time for the international payment?

For international payments, it takes up to T+2 business transaction days. 95% of payments get settled in T+1 days - Which is among the shortest turnaround times in the industry.

Is Refrens’ online billing software free?

Yes, Refrens' online billing software is free to use. You can create, manage, and send invoices, quotations, proforma invoices, purchase orders, and more without any cost. Refrens offers a range of features to help businesses, freelancers, and professionals streamline their invoicing and financial management processes without incurring any charges.

How does bank account verification work?

We initiate the process of verifying your bank account after we have received a payment for any of your invoices. Once your account is verified, we initiate the payouts automatically, subject to clearance from bank.

If you are not receiving payments through us, we do not verify the bank account.

Payment Gateway for Freelancers to Accept Cross Border Payment

Now it becomes easy for freelancers, individuals, professionals, self-employed, small businesses, or any registered businesses to accept payments from anywhere, anytime in Pakistan.

Refrens introduced a payment gateway solution for individuals and registered businesses in Pakistan.

Refrens has the most competitive rates when it comes to accepting international payments. We charge around 1.8% or less including taxes.

The payout on is done in 2 business days (Transaction day + 2 business days) which is among the shortest turnaround times in the industry. We disclose the complete payment process to our clients to be fully transparent of the whole process.

The lowest rates, shortest TAT, and full transparency make Refrens the best payment gateway to receive international payments in Pakistan. And, creating invoices, quotations and estimates via quotation maker etc. is completely free on Refrens. Use it to create invoices and receive payment internationally to show professionalism to your clients at the lowest possible cost.

Complete International Payment Gateway Provider for All Type of Businesses

  • Freelancers

  • Self-Employed

  • Small Businesses

  • Education Business

  • Export Business

  • Selling Online Course

  • Entertainment Business

  • Individuals

  • Agencies

  • Developers

Benefit of Using International Payment Gateway

  1. Accept Payment from Anywhere, Anytime - With Refrens, you can send invoices from anywhere in Pakistan and can accept payment without any hassle.

  2. Shortest Settlement Time - In Refrens, we provide the best turnaround time to our users by settling the amount in T+2 business days.

  3. No Integration Required - Simply complete your KYC and start accepting the payment. No need of 3rd party integration or any application.

  4. Highly Secured Payment - Every payment made by the client is protected and highly secured with SSL.

  5. Accept Multiple Cards - We accept all major cards which include Visa, Mastercard, Amex, and many others.

  6. Cheap & Transparent Pricing - We charge 1.8%(inclusive Tax). No Hidden Charges. No Conditions. Minimum Forex Charges.

  7. Create Invoices & Quotations - Manage, track and create invoices for free.

  8. Accept Advance Payments - Easy to accept advance payments by simply enabling the online payment options.

  9. Accept All Currencies - We support all major currencies which include USD, EUR, GBP, SGD, and other currencies.

How to Receive International Payment in Pakistan through Payment Gateway?

You can accept international payment from Refrens in 5 simple steps:

  1. First, fill up the above form and one of our team members will reach out to you via call or email and simply complete your normal KYC by sending your details and your business details to Refrens compliance team will verify your KYC. You will get the verification email.

  2. Once the verification is done, the second step is to create an invoice via invoice maker for your international client which is totally free on Refrens. You can create invoices for free with invoice templates. No Sign-Up fee. No Hidden Charges.

  3. When creating an invoice add your bank account and enable the online payment options. Send the invoice to your client through Email or by sharing the link of the invoice.

  4. Your client pays the amount online just like it does on any e-commerce site. No need for signup. Your client can simply click on the link and initialize the payment.

  5. After the payment is done by the client, Refrens verify the bank account and transfer the amount to your account with T+2 business transaction days.

Payment Gateway Compliance Requirement to Accept Overseas Payment

A. Proof of Address:- Recent bank statement or Utility Bill

B. Owner details with ID which should include:

   1) Photo
   2) Full Name including Aliases
   3) Unique Identification Number
   4) Nationality
   5) Date of Birth

C. Online presence: Website or Professional Network Profile or Upwork/Fiverr/freelancer profile

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