If you freelance for international clients from Pakistan, the single most important banking decision you will make is which account your payments…

Most people check whether the university is HEC-recognised and stop. It’s actually three separate checks — and online programmes need approval the campus version doesn’t have.

Two freelancers invoice the same $1,000. One keeps $843, the other $750. The difference is paperwork — here’s every stage from invoice to rupees in your account.