Should I invoice overseas clients in USD or PKR?

Usually in the currency you agreed, most often USD, GBP or EUR. That way the client pays a fixed amount and you handle conversion. Kitebill records the exchange rate you actually got, so your totals appear in PKR (or any base currency).

Do I need an NTN on my invoice?

It depends on your situation and your client's requirements. Many freelancers add it if they have one. Check with a qualified tax adviser, because this guide is not tax advice.

Can I include both IBAN and Payoneer details?

Yes. Put both in "How to pay" and say which you prefer. The full app saves your payment instructions so every invoice includes them.

Invoice template for freelancers in Pakistan (USD, PKR, IBAN)

If you work from Pakistan for clients in the US, UK, EU or the Gulf, your invoice has one job: get paid fully and quickly. Here is what to include, and how to see what actually reaches your account after fees.

Checklist: what to put on the invoice

Your name or business name, city and country, and an email address the client already knows.
A sequential invoice number (INV-0001, INV-0002…). Clients' accounts teams need it for reconciliation.
Issue date and due date. "Net 14" or "Net 30" is normal for overseas clients. Agree it upfront.
The client's legal name and address, especially for companies. Their finance team may reject an invoice without them.
Line items in the client's language, with quantity and rate (hours × rate, or a fixed-price milestone).
The currency you agreed. Usually USD, GBP or EUR for overseas work, PKR for local clients.
Exact payment instructions. See below.
Tax ID, if you have one (e.g. NTN), when a client or your accountant asks for it. This guide is not tax advice. Ask a qualified adviser about your own situation.

Want to check a finished invoice against this list? The free invoice checker ticks off what your invoice already has and tells you which field to use for anything missing.

Registered for sales tax? FBR e-invoicing applies

FBR requires sales tax registered persons to issue their invoices electronically through its e-invoicing system, via PRAL or a licensed integrator (S.R.O. 1852(I)/2025, PDF, FBR e-invoicing FAQs). A PDF from Kitebill or any other invoice generator is not an FBR e-invoice. If you are registered for sales tax, use an FBR-integrated system for your sales tax invoices; Kitebill still works for quotes, statements and tracking what arrives.

Payment details that avoid delays

Bank transfer (IBAN). Pakistani IBANs are 24 characters and start with PK, followed by 2 check digits, a 4-letter bank code and a 16-digit account number (iban.pk, SWIFT registry entry). Also give the account title exactly as the bank has it, the bank name and the SWIFT/BIC code for international wires. The free IBAN checker catches typing mistakes before the client sees them.
Payoneer, Wise or PayPal. List the exact email or link the client should use, and which one you prefer.
Say who pays the fees. For wires, a line like "Please send as OUR (sender pays charges)" can stop intermediary fees being deducted from your amount, if the client agrees.

Invoice total ≠ money received

A USD 1,000 invoice rarely becomes the equivalent of USD 1,000 in PKR. Marketplace commission, withdrawal fees and the exchange rate you actually got all take a cut. The Kitebill app lets you record, per invoice:

the exchange rate you got (so totals show in PKR or your base currency),
fees deducted by the platform or bank, and
the amount that actually arrived,

so your yearly income on the dashboard matches your bank statement, not just your invoices.

Urdu labels for local clients

Billing a local business? Switch labels to English + Urdu so headings read "Invoice no. / انوائس نمبر", "Total due / کل واجب", and so on.

Make your invoice

Use the free generator now (no signup), or open the app to keep clients and track payments. It's free for 3 clients and 10 invoices, and Pro is US$29 once.

Invoice template for freelancers in Pakistan