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.

Payoneer withdrawals reach Pakistani banks as domestic transfers, so your bank may refuse a PRC. Timelines for every route, and which banks issue the certificate.