1. As per my experience of 3 years, HBL works best. I have faced no problems and my payments come through within 1-2 working days.
2. Payoneer, according to me, is not very feasible. Read this:
- It takes about a month if everything is perfect and if there are any flaws or issues while you were registering your account on Payoneer, it can take a lifetime to get the card - or even, you never get the card.
- Payoneer charges a lot, they have card activation fee, withdrawal fees (everytime you withdraw an amount from ATM), transfer fee (when you transfer your funds from freelancing platform to Payoneer, e.g. Upwork to Payoneer), and annual fee as well.
- There are certain withdrawal limits on ATMs and it varies from ATM to ATM. So if you have 5000USD and ATM withdrawal limit is just 20000 PKR (200USD), which is on many ATMs, that means you have to do many transaction to get 5000USD and you will be charged an ATM withdrawal fee on each transaction. So end of the day, you end up paying a lot!
LFT is the best option because even on large amounts you end up paying only $5 per withdrawal, and that too is charged by Upwork.
Let me know if you have any more questions.