Payoneer: business software for small teams
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Payoneer helps you automate repetitive work by starting with a business account to get paid by international clients and marketplaces and hold currencies. It is best for freelancers, agencies and ecommerce sellers who earn from clients or marketplaces abroad. People also use it to handle orders and inventory.
What it does
- Local receiving accounts in several currencies
- Payment requests to clients by card or bank
- Marketplace and platform payouts
- Pay suppliers and contractors in 190+ countries and territories
- Corporate cards and capital advance for eligible businesses
- Stripe: online payment processing
- Air by Revolut: Revolut’s AI money assistant
- QuickBooks: accounting and invoicing
Editorial note
Payoneer is a financial platform for cross-border business. You get local receiving account details to collect payments from clients and marketplaces, hold balances, convert currencies and pay suppliers and contractors in 190+ countries and territories. Businesses can also use corporate cards and, if eligible, a capital advance.
Who it’s for
- Freelancers paid by clients in other countries
- Amazon and marketplace sellers collecting payouts
- Agencies paying contractors and suppliers abroad
- Not ideal for: businesses that only sell domestically and are paid in their own currency.
Key use cases
- Automate work
- Orders & inventory
What you can do with it
Payoneer gives you one account for international money movement. Clients pay you through local receiving accounts, payment requests or marketplace integrations, and you withdraw to your bank, pay others or spend with a card. Fees depend on who pays you, how and in what currency. Payoneer also offers working capital to eligible sellers and tools to hire and pay teams across borders.
How to use Payoneer: step-by-step tutorial
Five to eight steps from the account to a first useful result. Where the official guide names a control, the step uses that name. Where it does not, the step stays general.
- Open an account at payoneer.com and complete verification.
- Review the fees shown in your account before you transact.
- Share your receiving account details with a client or marketplace.
- Hold or convert the balance you receive.
- Withdraw to your local bank or pay a supplier.
These steps follow the official guide: Payoneer fees.
Frequently asked questions
What is Payoneer used for?
Receiving payments from international clients and marketplaces, holding and converting currencies, and paying suppliers and contractors across borders.
How much does it cost to receive money with Payoneer?
Receiving into a local-currency account or from another Payoneer customer is free; a non-local currency account costs 1%, and card payments up to 3.99% + 0.49 USD.
Do Payoneer fees vary by country?
Yes. Payoneer says fees depend on sender and recipient locations, payment method and currencies, and your applicable fees are shown at registration and in your account.
Does Payoneer have a monthly fee?
The fees page frames pricing per transaction. Check the account fees section and your own account, since Payoneer says fees can vary by territory and account type.
Pricing
Prices checked on the official pricing page.
- Receive from another Payoneer customer
-
Free
Payment from another customer’s Payoneer balance
- Receiving account in your local currency
-
Free
Client pays into your local receiving account
- Receiving account in another currency
-
1% (minimum 1.00 USD or equivalent)
Client pays into a non-local currency receiving account
- Payer uses a credit card or PayPal (US)
-
Up to 3.99% + 0.49 USD or equivalent
Fees depend on locations, payment method and currencies
- Payer uses ACH (US) or an EU/UK bank account
-
1%
Bank payment from the client
- Fees vary by region, account type and payment method, and currency conversion includes a fee.
- Vendors change plans; confirm on the official page before you buy.
Facts
- Access
- Paid
- Paid plans from
- Per-transaction fees
- Checked
- Category
- Category: Business and productivity tools (153 in the library).
- On the record
- Payoneer charges per transaction rather than a subscription. Its fees page lists free receiving in some cases and fees in others; your exact fees appear at registration.