Whether you earn on Upwork, export software, or run a remote agency, Xpezia handles your full FBR compliance from Karachi.
“Xpezia handled everything and saved me over PKR 40,000 in my first year.”
If foreign income is coming in through Payoneer, Wise, or a direct wire, you’re legally required to file – and there’s a real chance you qualify for the lowest rate the law allows.
Your bank keeps asking about large incoming foreign transfers.
You’re not on the Active Taxpayer List – and it’s quietly affecting your SIM, your banking access, and how professional you look to clients.
You’re paying 1% tax on foreign income when PSEB registration could legally cut that to 0.25%.
Dollars are coming in but you genuinely don’t know how to declare them on your FBR return.
You missed the September 30 deadline and have no idea what the penalty actually looks like.
You’re an NRP and honestly aren’t sure whether you owe anything in Pakistan at all.
Your income is already visible to the tax authority. The question isn’t whether to be seen – it’s whether you show up as a registered, compliant taxpayer or as an unregistered earner with unexplained foreign deposits sitting in your account.
Xpezia is a Karachi-based tax consultancy built specifically for digital earners. Working out of Karachi means real proximity to the FBR Regional Tax Office – which matters when something needs to be resolved in person rather than through an email thread that goes nowhere. This isn’t a general CA firm that bolted a freelancer package onto their existing service list. The team knows Payoneer reconciliation, PSEB rate eligibility, and Section 65F the way a specialist should.
We assess whether you qualify for the 0.25% reduced rate under the PSEB framework and handle the registration process if you haven’t sorted it yet. This is where most freelancers leave real money on the table – often for years.
Your complete income tax return, prepared and filed on IRIS before the September 30 deadline. Foreign income declared correctly. The right tax regime applied. ATL status maintained.
Filing season ends September 30. FBR questions don’t follow that schedule. We cover advance tax planning, Proceeds Realization Certificate guidance, bank query responses, and PSEB matters throughout the year – not just in the weeks before the deadline.
This service covers freelancers, software exporters, remote workers, agency owners, and Non-Resident Pakistanis – including Zoom consultations for clients who can’t make it to Karachi.
Select your situation below. Every category has a different tax picture – and Xpezia handles each one with the depth it actually requires.
You run your freelance work through one of the major platforms and get paid in foreign currency. Here’s what we handle for you.
NTN registration if you don’t have one yet, ATL enrollment, full foreign income declaration, 80% rule application, and Payoneer or Wise bank reconciliation. If you’ve been earning for a year or more without filing, we handle the back-filing assessment too.
Yes. Income received through Payoneer is treated as foreign remittance under Pakistani tax law and is subject to withholding tax under Section 154. The rate is 1% for standard filers and 0.25% for PSEB-registered exporters. FBR receives automated data from Payoneer – this income is not invisible to the tax authority. For upwork freelancer tax filing pakistan 2025, the applicable rates and rules are current as of June 2026.
You’re either already PSEB-registered or looking into it to access the 0.25% rate. Filing requirements here are more involved than a standard freelancer return.
We handle PSEB registration support, Section 154 withholding tax certificates, PRC documentation, correct application of the 0.25% rate, and SECP alignment where it’s relevant. For software exporter tax filing pakistan secp compliance, the documentation trail matters – we make sure it holds up.
YouTube ad revenue, brand deals, Wise transfers, or direct PayPal payments. FBR’s visibility into these channels is growing fast.
Budget 2025-26 has brought social media income into scope in a way it wasn’t before. We cover W-8BEN form guidance for US-platform income, YouTube and vlogger income declaration, and the Budget 2025-26 proposal for a 3.5% social media tax that affects creators directly. Wise and PayPal income reporting is included too – these aren’t informal transfers in FBR’s view.
A 3.5% social media tax proposed in Budget 2025-26 targets YouTube, TikTok, and similar platform earnings directly. Content creators should be prepared to declare this income clearly in their FBR returns.
Running a team changes your tax situation significantly – and almost no competitor service addresses this directly.
The choice between sole proprietor and Pvt Ltd structures affects how you deduct team salaries, claim business expenses, and plan for growth. When agency owners document their contractor and team payments correctly, those costs become legitimate deductions that reduce taxable income – not just expenses that vanish into the business with no record. We handle the documentation structure that makes this work. Not just the filing itself.
The right structure depends on your turnover, team size, and growth plans. Pvt Ltd often offers more tax efficiency for scaling agencies – but the choice has real consequences. We assess this in the first consultation.
You hold Pakistani nationality but live and work abroad. Whether you owe taxes here – and how much – is genuinely complicated territory.
We work through dual residency scenarios and apply Double Tax Avoidance Agreements for residents in the UAE, UK, and USA, so clients aren’t paying more than what’s actually required under the relevant treaty. Pakistan-source income declarations and Zoom consultations are available for the full process. For freelancer tax filing pakistan nrc overseas situations, this is one of the few services in Pakistan that handles it with the depth it actually requires.
Yes, completely. All consultations are available via Zoom. Document submission is digital. FBR filing is done electronically through IRIS. Not a single step requires physical presence in Pakistan. NRP clients in Dubai, the UK, Canada, and elsewhere have completed the full process remotely.
The difference between 0.25% and 1% sounds small until you run the numbers. On PKR 5 million in annual foreign earnings, it’s PKR 37,500 every year. Here’s how the two regimes compare.
The standard tax rate on foreign freelance income in Pakistan is 1% (final tax). Freelancers registered under PSEB qualify for a reduced rate of 0.25%. Both rates apply to income received through proper banking channels under Section 154.
Our consultants assess eligibility in the first call. The consultation is free and takes around 20 minutes. PSEB registration costs a fraction of what you’d save in the first year alone.
Under Pakistan’s tax framework, 80% of your foreign remittance income must be received through official banking channels to qualify for the final tax regime at the reduced rate. FBR requires this to confirm that foreign income is genuinely entering Pakistan’s formal economy through the banking system.
The 20% flexibility covers minor discrepancies – but the bulk of your income needs to flow through a Pakistani bank account. Income routed through informal channels doesn’t qualify for the lower rate, and banks increasingly require PRC documentation to confirm the 80% threshold is met before processing your declaration.
Not sure which rate you qualify for? Our consultants assess eligibility in the first call.
Filing your taxes with Xpezia follows a five-step process. No 50-page guides. No unexplained jargon. Just a clear path from where you are to a filed return.
Book via WhatsApp or come into the Karachi office. The consultant reviews your earnings platforms, residency status, and income sources, then figures out which tax regime applies – PSEB or standard. This call is free and usually takes around 20 minutes.
Xpezia sends a personalised checklist based on your specific situation. You submit your CNIC, bank statements, Payoneer or Wise transaction history, PRCs where applicable, and any existing NTN. We tell you exactly what’s essential – not everything on the list is mandatory for every client.
The team prepares your FBR annual income tax return, applies the correct tax rate, claims eligible deductions, and reconciles foreign income. Section 65F eligibility is assessed here if you’re an IT services exporter.
Before anything is submitted, you review the prepared return with your consultant. Every figure is explained. You approve the filing – nothing goes to FBR without your confirmation.
The return is filed on the IRIS portal. Your ATL status is updated. You get a copy of the filed return and a filing confirmation for your records. Post-filing support runs for 30 days.
The FBR annual income tax return deadline for individuals is September 30 each year. Missing it results in penalties and removal from the Active Taxpayer List. Ready to start Step 1?
Everything above, handled. One service, full FBR compliance, with advisory inclusions that most competing services don’t offer.
The FBR annual income tax return deadline for individuals is September 30 each year. Missing it results in penalties and removal from the Active Taxpayer List.
You don’t need to log in yourself. NTN registration is included if you don’t have one. Every step – from document collection to final filing confirmation – is managed by the team. You review and approve; we handle the rest.
Items marked * are not offered by most competing services. Yes, NTN registration is included if you don’t have one. Yes, the IRIS portal submission is handled entirely by the team – you don’t need to log in yourself.
Getting your documents together is the part most people dread. It’s usually less complicated than it looks.
Don’t have all of these? Not a problem. We’ll tell you exactly what’s essential for your specific situation in the first consultation.
Every client’s document situation is different. The first consultation clarifies exactly what’s needed for your specific case – nothing more, nothing less.
Compliance isn’t only about avoiding penalties. For freelancers earning in foreign currency, proper filing opens up real financial advantages that most people don’t think about.
Being on the Active Taxpayer List cuts withholding tax across banking, mobile, property, and vehicles.
Being on the Active Taxpayer List cuts withholding tax on banking transactions, mobile top-ups, vehicle purchases, and property deals. Non-filers pay double on many of these – not just on their income.
PKR 37,500 saved every year. Over five years that’s PKR 187,500 from one registration.
For a freelancer earning PKR 5 million annually in foreign remittance, the gap between the PSEB rate and the standard rate is PKR 37,500 every year. Over five years that’s PKR 187,500. PSEB registration costs a fraction of that.
Internet, software, equipment, rent, and contractor payments – all legitimate deductions most freelancers miss.
Registered filers can legally deduct internet costs, software subscriptions, equipment, office rent, and – for agencies – team salaries and contractor payments. For agency owners in particular, properly documented contractor payments are among the most significant deductions available. Generic filing portals don’t help you structure this. We do.
FBR-registered freelancers report fewer escalations for large Payoneer or Wise deposits.
FBR-registered freelancers report fewer escalations for large Payoneer or Wise deposits. PRCs process faster when your NTN is already on file. Banks are getting stricter about foreign remittances, and having your tax status clean matters more now than it did two years ago.
PTA SIM-blocking policy and SECP requirements are being enforced more consistently against non-filers. ATL status is your direct protection.
PTA SIM-blocking policy and SECP requirements are being enforced more consistently against non-filers. ATL status is one of the most direct ways to protect against these kinds of disruptions. For a freelancer, losing SIM or banking access isn’t just an inconvenience – it can cut off your income entirely.
IT services exporters can claim a 100% tax credit under Section 65F of the Income Tax Ordinance 2001. This provision expires in June 2026. Eligible filers who don’t claim it before then lose it – there’s no retroactive option. This is the mistake we see most often among higher-earning exporters.
Section 65F of the Income Tax Ordinance 2001 provides a 100% tax credit on income from IT services exports. Valid through June 2026. Eligible taxpayers must be registered as IT service exporters with PSEB to claim this credit.
Maximise your tax position this year. Start with a free consultation.
These aren’t hypothetical. They’re situations we correct for new clients regularly. Each one is avoidable with the right guidance from the start.
Late filers face monetary penalties and lose ATL status for the year – which then triggers higher withholding rates across banking and other transactions. Many freelancers miss the deadline without realising the downstream cost that follows.
80% of foreign remittances must come through official banking channels to qualify for the final tax regime at the reduced rate. Misreading this rule – or routing income informally – leads to incorrect returns that don’t reflect your actual eligibility.
Freelancers earning above PKR 800,000 annually are required to pay advance tax in quarterly instalments. Missing these creates a separate penalty liability that has nothing to do with whether your annual return was filed correctly.
Banks are tightening requirements around Proceeds Realization Certificates for foreign remittances. Without them, income can’t be properly declared – and banks may flag your account regardless of your ATL status.
Filing as a non-PSEB entity when you qualify for PSEB registration means paying 1% instead of 0.25%. That error repeats every single year until someone catches it.
The 100% tax credit for IT services exporters under Section 65F expires in June 2026. Eligible filers who don’t claim it before the provision lapses can’t recover those years. This is the mistake we see most often among higher-earning exporters.
Patterns in FBR queries, bank escalations, and PSEB applications get recognised early because we’ve seen them before. The first consultation is free and usually spots the issue within 20 minutes.
Here’s what actually makes this service different from Befiler, from a generic CA firm, and from filing yourself on IRIS.
Xpezia is not a general tax firm that added a freelancer package. The team knows Payoneer reconciliation, PSEB eligibility, Section 65F, and FBR’s treatment of Wise transfers as the core of what they do – not secondary knowledge picked up from a regulation PDF.
The office sits close to the FBR Regional Tax Office. When a query needs physical follow-up or in-person clarification, that proximity matters. Purely digital services don’t have this option.
That number reflects a specific client type, not a general caseload. The experience compounds – patterns in FBR queries, bank escalations, and PSEB applications get recognised early because we’ve seen them before.
Full Zoom consultation service for overseas Pakistanis. No physical visit required. DTAA applications for UAE, UK, and USA residents are handled as standard – not as a special request that needs explaining.
No vague hourly-rate quotes. No surprises after the first meeting. Service fees are fixed and disclosed during the consultation, before any commitment is made.
September 30 is not the end. Clients have access to advisory for FBR queries, bank escalations, and advance tax planning year-round. The 3.5% social media tax proposal, Section 65F timeline, and latest PSEB guidance are all factored into current filing strategies.
Join 500+ freelancers who file with confidence
I’d been filing on my own for two years and thought I was doing it right. Turns out I wasn’t PSEB-registered and had been paying 1% the whole time. Xpezia sorted it out and the savings covered their fee in the first month.
As an NRP I had no idea whether I even needed to file in Pakistan. The Zoom consultation cleared everything up and they handled the full process remotely. No trip home required.
I run a small agency with a team of four. None of the other services I contacted knew anything about contractor deductions or business expense claims. Xpezia did.
Section 65F was something I’d heard about but never actually claimed. They spotted my eligibility in the first call. That alone more than paid for the service.
Talk to the team that specialises in your situation.
Still have questions? We answer them in a free 20-minute call. But here’s what clients ask most often, organised by experience level.
Still have questions? We answer them in a free 20-minute call.
These are the questions we hear most often before someone books. Here’s the honest answer to each one.
“I don’t earn enough to bother filing.”
If you earn from foreign clients, you’re legally required to file regardless of the amount. ATL status also reduces what you pay on banking transactions, SIM registration, and property dealings – even if your actual tax liability turns out to be zero. Filing costs you less than not filing.
“I’ll just use Befiler or file myself on IRIS.”
IRIS is publicly available and filing yourself is possible. But getting the tax regime wrong – non-PSEB when you actually qualify for PSEB – or missing Section 65F eligibility is an error that costs real money and repeats every year. A 20-minute professional review catches what a portal submission doesn’t. DIY mistakes take months to correct through FBR.
“I’m outside Pakistan and can’t come to Karachi.”
Full remote service via Zoom. Every step – consultation, document review, return preparation, filing – is handled digitally. No physical presence required. NRP clients complete the entire process from abroad.
“This is going to be expensive.”
The service fee is a fixed, one-time annual cost that typically comes in below the tax savings from proper rate optimisation alone. Pricing is disclosed during the first consultation, before any commitment. No hourly rates, no vague estimates.
“I’m worried FBR will scrutinise me if I register.”
Registration protects you – it doesn’t flag you. FBR scrutiny falls on unregistered earners receiving large foreign transfers, not on properly filed taxpayers. Being on the ATL with a clean filing record is the most straightforward position to be in.
Not sure which package fits? The first consultation is free – we’ll tell you exactly what applies to your situation. Get a custom quote in your free consultation.
For freelancers earning via Upwork, Fiverr, Payoneer, or Wise.
For PSEB-registered or PSEB-eligible exporters.
For agencies and small software houses managing teams.
Dual-tax scenario review, DTAA application for UAE, UK, and USA residents, Pakistan-source income declaration. Not sure which package fits? The first consultation is free – we’ll tell you exactly what applies to your situation.
500+ freelancers trust Xpezia for annual FBR compliance. Whether you’re filing for the first time, managing Pakistan-source income as an NRP, or a software exporter who’s been overpaying for years – it starts with a 20-minute call.
Updated: June 2026 – reflecting Budget 2025-26 and current Section 65F status.
Or email us directly for non-urgent queries. Updated: June 2026 – reflecting Budget 2025-26 and current Section 65F status.
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