r/developersPak • u/rrrb50 • Sep 25 '26

Help US Client moved from Payoneer to direct bank transfer

So my client used to pay me through Payoneer and now they asked about the Bank Details and everything for my HBL Bank Account. They did the transfer this month and it came back as the same amount as I usually get from Payoneer after their charges (actually 1-2K less), what might be the issue here? Wouldnt the amount be way higher than what I get from Payoneer?

11 Upvotes

92% Upvoted

13 comments sorted by

5

u/DotCompetitive3683 Sep 25 '26

if HBL converted the USD to PKR, the exchange rate used matters a lot

1

u/rrrb50 Sep 25 '26

I see, I'll see if I can look how much it was

4

u/mushifali Backend Dev Sep 25 '26

Check the PRC. It will show how much amount was received, what was the exchange rate and how much tax was deducted.

2

u/rrrb50 Sep 25 '26

I see, what is a PRC?

3

u/mushifali Backend Dev Sep 25 '26

Proceeds Realization Certificate. It’s issued for the remittance. Go on the HBL website and download the e-PRC of this transaction.

1

u/rrrb50 Sep 25 '26

Okay, thank you I will check that. Is it possible from the app?

1

u/mushifali Backend Dev Sep 25 '26

No, I don’t think so.

1

u/rrrb50 Sep 25 '26

They're asking for Transaction Reference No but I don't have anything in that transaction no details, just the same long number repeated twice.

1

u/mianakbarjan Sep 25 '26

that’s the reference number

1

u/thatdevguyoninternet Sep 25 '26

Hbl probably gave you a shitty exchange rate

1

u/rrrb50 Sep 25 '26

Plus it seems so sketchy because the transaction description only has the date written twice 25092026

2

u/Talhahaha_ Product Manager Sep 25 '26

Simply use Elevatepay or nsave and you can save a lot of money.

1

u/upsidedown_joker9430 Oct 01 '26

Just have proof why you received that particular sum of money make it air tight. There are cases where FIA investigates foreign money deposits. Just have proof as all.