Accept, send & withdraw international business payments in the United States

Payoneer provides you with the tools and services to effectively manage your incoming and outgoing business payments. Our suite of services, which includes multiple currency accounts with local account details in the US, Europe and Asia, currency conversions and multiple ways to use your funds, ensures you’re able to grow your business in the United States and beyond.

Business account key features

Receive payments

Get Local Receiving Accounts

Get multiple currency accounts with local bank account details. Read More

Offer Multiple Payment Methods

Accept & request payments via credit card, local bank transfer and more. Read More

Track Your Payments

Send payment links & get full transparency into when your payment will arrive. Read More

Use your funds

Convert Funds To Different Currencies

Ensure you have the currency you need for your payments. Read More

Make Business & Batch Payments

Pay your contractors, employees and partners to their bank or Payoneer accounts. Read More

Withdraw To Your Bank Account

Withdraw to a US or international bank account in USD, EUR, GBP and other currencies. Read More

Simplify Global Business Transactions in the United States

Receiving accounts act just like local bank accounts, making it easier for your international clients and marketplaces to pay you via local bank transfer. Additionally, you’re able to invoice your clients in advance to help guarantee you get paid on time. After you get paid, you’ll be able to withdraw your funds straight to your US bank account or international bank account.

Do you need to make a business payment? Convert funds with ease and pay your service providers and contractors in their local currencies. Best of all, payments to other Payoneer users are free!

Flexible ways to pay & get paid. Hold multiple currencies.

Business Payment Account

Flexible ways to pay & get paid. Hold multiple currencies.

Payment Platform

Why Businesses in the US Choose Payoneer

Global Reach

Receive and send payments in 200+ countries.


Receive payments faster, as if you were paid locally.


Accept payments in multiple currencies, choose how to use your funds.

Low Fees

Save on FX and transfer costs, and pay developers and business partners FREE OF CHARGE.

Trusted by Millions of Customers, Chosen by Leading Marketplaces


Local Receiving Accounts

Local receiving accounts act just like local bank accounts which makes it easy for international clients and marketplaces to pay you via local bank transfer.

Receive payments in USD, EUR, GPB, JPY, AUD, CAD, HKD to your Payoneer account.

Connect to 100+ marketplaces & platforms including Amazon, Shopify & eBay to receive payments in the US using your account details wherever you are in the world.

Multi Payment Options

Offer Clients Multiple Payment Options

Clients around the world have specific payment preferences. Allow them to pay with Credit Card, ACH bank debit, SWIFT (wire) or local bank transfer.

Send Payment Requests

Send a payment request with multiple payment options. Your clients will receive the request via email and can pay you online using their most convenient payment method.

Make Business Payments

Pay your business partners, sub-contractors & vendors efficiently in a few clicks from your Payoneer account.

Payments To Bank Accounts

Pay your contractors, employees and other vendors and send up to 200 payments at once directly to your recipients’ bank account.

Payments To Payoneer Accounts

Payments to Payoneer accounts are FREE OF CHARGE and made within 2 hours!

Convert Funds To Different Currencies

Pay Contractors In Their Local Currency

With our currency-conversion services, you can convert 150+ currencies.

Convert Funds In Minutes

Ensure you always have the currencies needed for your global payments. Converted funds appear in your balance in minutes.

Save On Costs, Get Full Transparency

We use the applicable market rate and our low 0.5% fee of the amount transferred is automatically deducted so you always know exactly how much you’re going to receive.

Withdrawal to Your Local Bank

Withdraw to your funds in USD or other currencies to your local bank account.

Convert Your Earnings

Convert earnings to your local currency and get full transparency about the conversion fees.

Add Multiple Bank Accounts

Connect your Payoneer account to multiple international bank accounts.

Schedule Withdrawals

Set monthly, weekly, or instant automatic withdrawal schedules.

Track Your Payments

View Your Transactions

Easily view and manage your transactions, including incoming payments, outgoing payments, point-of-sale card transactions, ATM withdrawals and withdrawals to your local bank account.

Get Paid On-time

Send payment requests in advance and reminders to receive payments on time.

Attach Invoices

Attach invoices, contracts, designs, and more, to your payment requests.

Join thousands of US Entrepreneurs expand their business globally with Payoneer

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Payoneer allows me to receive payments from American, Australian or Canadian customers in just a few clicks as well as to pay contractors from other parts of the world.

Maksym Petruk, CEO We Soft You

I live in the US and pay developers in Central Eastern Europe. Payoneer is a very simple and convenient solution. It’s more economical and their team offers better service than other international payment solutions.

Yaniv Nissim, CEO GoParrot

With Payoneer I found the easiest way of getting pay globally, giving multiple payment options to my clients and then pay contractors and freelancers with just a few clicks and not having to go elsewhere signing paperwork.

Juan Perez, de Perez Software


What payment methods are available to my clients and what are the fees?

Credit/Debit Card*ACH bank debitLocal bank transferWire transfer (SWIFT)Payoneer balance
Fees (% of payment)3%0-1%USD: 1%** Other currencies: 0%Free***Free

* MasterCard, Visa, American Express

** Free for Payoneer’s account holder (recipient) in Japan, India, South Korea, Thailand, UK and USA.

*** Extra fees can be charged by intermediary banks but are not known by Payoneer in advance

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Which international clients can pay me?

Credit/Debit Card1ACH bank debitLocal bank transferWire transfer (SWIFT)Payoneer balance
Can be used by (payment initiators)Individuals and Companies worldwideIndividuals and Companies in the US onlyCompanies in the country of the receiving account1Companies worldwidePayoneer account holders worldwide

* US company when the Payoneer’s account holder (recipient) has a local receiving account in the US, European company when the Payoneer’s account holder (recipient) has a local receiving account in Europe etc.

How fast are the payments?

Credit/Debit Card1ACH bank debitLocal bank transferWire transfer (SWIFT)Payoneer balance
Payment received within (estimated)2 calendar days5 business days1-3 business days1-2 business days2 hours
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Are there additional fees associated with the service I should be aware of?

All the fees are detailed here.

Do I automatically receive local receiving accounts?

Depending on your geographic location, you may automatically receive a US and UK receiving accounts. Receiving additional local receiving accounts depends on eligibility.

Do my clients need to open a Payoneer account to pay me?

Your client can easily pay you via bank transfer to your local receiving accounts without opening a Payoneer account. Just send them your receiving account details and ask them to pay you locally from their online business account!

If your clients choose to pay you via credit card or ACH bank debit, you can send them a unique payment link and they can easily pay you through our secure payments portal where they will be requested to open a Payer only account in a few clicks (save email & assign a password).

Can I pay multiple sub-contractors or vendors easily?

Yes, you can use our Batch Payments feature to pay up to 200+ payees in one simple file.