Payoneer Обзор 2026
Cross-border payments for business
Наш вердикт
Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork. It reaches 190+ countries, including markets others struggle with. Currency conversion can cost up to ~3.5% and a low-activity card fee applies, so it shines more for business than personal use.
Плюсы
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
- Free Payoneer-to-Payoneer payments
Минусы
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
- Withdrawal fees to external banks
Комиссии и ключевые факты
| Регистрация | Free |
|---|---|
| Ежемесячная комиссия | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Отправка / получение | Free Payoneer-to-Payoneer |
| Курс обмена | Up to ~3.5% |
| Выводы средств | Fee to local bank (varies by currency) |
| Карта | Yes — prepaid business Mastercard (where eligible) |
| Доступность | 190+ countries/territories |
| Валюты | 70+ currencies |
| Основан | 2005 |
| Штаб-квартира | New York, USA |
| Регулирование | FinCEN (US), FCA / Central Bank of Ireland |
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Payoneer — frequently asked questions
Is Payoneer safe to use?
Payoneer is regulated by FinCEN (US), FCA / Central Bank of Ireland and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Payoneer charge?
Account/monthly fee: Free; $29.95/yr card fee if receipts < $6,000/yr. Sending or receiving: Free Payoneer-to-Payoneer. Currency conversion: Up to ~3.5%. Withdrawals: Fee to local bank (varies by currency). Fees can change and may vary by country, so always confirm the latest terms on the official Payoneer site.
Which countries can use Payoneer?
Payoneer is available in 190+ countries/territories. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Payoneer offer a card?
Yes — prepaid business Mastercard (where eligible). It supports 70+ currencies.
What is Payoneer best for?
Payoneer is best for freelancers & marketplaces getting paid globally. Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork.
Who is behind Payoneer and where is it based?
Payoneer launched in 2005 and is based in New York, USA, regulated by FinCEN (US), FCA / Central Bank of Ireland.
Comments 9
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A must-have for freelancers on Upwork and Fiverr. I get paid locally in USD and EUR, and can withdraw directly to my local bank account in Romania quickly.
Good service for business, but the fees are slightly high. There is an annual card fee if you don't receive enough money, which is a bit disappointing.
I love the multi-currency receiving accounts. Being based in India and receiving local payments from UK and US businesses is incredibly convenient.
Too corporate for personal use. The transfer fees to local banks are high, and the conversion rates are not as transparent as competitors.
I love the multi-currency receiving accounts. Being based in India and receiving local payments from UK and US businesses is incredibly convenient.
Customer support is helpful but sometimes slow. The verification process when first setting up the account was a bit tedious with many steps.
I love the multi-currency receiving accounts. Being based in India and receiving local payments from UK and US businesses is incredibly convenient.
A must-have for freelancers on Upwork and Fiverr. I get paid locally in USD and EUR, and can withdraw directly to my local bank account in Romania quickly.
Customer support is helpful but sometimes slow. The verification process when first setting up the account was a bit tedious with many steps.