Xoom works in Pakistan, but the sender has to set up an account on Xoom and use it. If the payment is originating from a US Business account, then the best method is to ask them to do an ACH to your account, (if you subscribe to Payoneer‘s US Payment Service).

In this manner, you will be able to receive the money in your Payoneer account and you can choose to keep it on your card or withdraw to your bank account in Pakistan.