6 Tips for Keeping your Payoneer Card Safe While Abroad

One of the best things about being a digital nomad is that you get the freedom to combine work and travel. Payoneer makes it even easier because your Payoneer card works like a regular debit card in hundreds of countries worldwide. You can use it to get the funds you need while traveling, without paying…

How business can expand into ASEAN

One of the best things about being a digital nomad is that you get the freedom to combine work and travel. Payoneer makes it even easier because your Payoneer card works like a regular debit card in hundreds of countries worldwide. You can use it to get the funds you need while traveling, without paying expensive foreign exchange rates. Here are some tips for smooth travels with your Payoneer card.

freelancing-payoneer card safe

ย 

1. Register a Place of Residence

If your Payoneer card gets lost, stolen, or chewed up by the ATM while youโ€™re traveling, all is not lost. You can order a new Payoneer card to replace it, and weโ€™ll send it to you ASAP.

Thereโ€™s just one thing – we can only send your new card to a registered address. For example, if youโ€™re traveling in Thailand, we canโ€™t send the card to your hostel, but only to your registered billing address.ย 

Note: We cannot change the address once the card has already shipped. We only ship cards to a registered address under your name and not to anyone else.ย 

If you need to report a lost or stolen Payoneer card, please reach out to us ASAP, so that we can ensure that no one else can access your hard-earned funds.

ย 

2. Avoid High Foreign Currency Exchange Fees

Using your Payoneer card while you travel is a great way to pay less in foreign exchange fees. The Payoneer conversion fee is a fee of up to 3.5%, so youโ€™ll never have to struggle to understand complicated fee agreements or get a nasty surprise when you find out how much money you lost in the conversion.

Payoneer is always transparent about the exchange rate, too. Before you agree to the transfer, youโ€™ll see the exact exchange rate and how much youโ€™ll get after the transfer. If you donโ€™t like the rate, you donโ€™t have to go through with the exchange.

Note: You can only access the balance that corresponds with the cardโ€™s currency. For example, if you switch from USD to GBP currencies and you donโ€™t have a GBP card, those funds are not accessible with your USD card. The funds will need to be converted back to USD or withdrawn via the โ€œWithdraw to Bankโ€ service.

Below are a few steps for converting money through Payoneer:

  1. Sign in to your Payoneer account and click Manage Currencies.
  2. Choose the relevant balances and enter the amount that you wish to transfer or receive.
  3. Click on Get Rate to calculate the transfer amount based on the current market rate, including our fee.
  4. Click on SUBMIT to transfer the funds between your balances and receive your requested currency.ย 

ย 

3. Choose a PIN Code Thatโ€™s Easy For You to Remember

You need your PIN code to withdraw money at an ATM or use your Payoneer card for purchases, so itโ€™s very important to remember it. Choose a PIN code thatโ€™s easy for you to remember, but difficult for anyone else to guess (1234 is not a secure PIN code! Nor is your birth date).

If you forget your PIN code, you can reset it, but youโ€™ll need to contact a Payoneer customer service representative through Live Chat, or Call Us, and then reset the PIN code through your online account within 30 minutes of your call/chat.

ย 

4. Avoid Getting Your Transaction Declined

Itโ€™s very frustrating when trying to withdraw funds or make purchases, and then have your transaction declined. Hereโ€™s how to avoid it:

  1. Make sure that you have enough funds for the purchase, including any fees.
  2. Check to see whether your card has expired.
  3. Enter the correct billing address and other card information, including the CVV number when trying to make an online purchase.

If your transaction is declined in a store or at an ATM, but youโ€™re sure that you have enough money on the card, please contact Payoneer to get more help.

ย 

5. Use Your 4-digit Payoneer PIN Code

Sometimes, an ATM asks you to enter your 6-digit code in order to withdraw your money. Donโ€™t worry – just enter your 4-digit PIN code instead and the system should accept it.

ย 

6. Donโ€™t Panic if Your ATM Doesnโ€™t Dispense Cash

Every now and then, you might use an ATM that charges you a fee but doesnโ€™t pay out your cash. When that happens, the ATM automatically reverses the charges and refunds the fee within 5 business days. Itโ€™s best to wait patiently for that to take place.

If the ATM still doesnโ€™t refund you after 5 business days, contact Payoneer so that we can help you to file a dispute and get back your funds. However, please note that in some cases, your funds could possibly be held up for longer.ย ย 

Youโ€™ll need the following information to file a dispute:

  • Transaction ID – this can be found by logging in to your online Payoneer account and locating the transaction in your “Activity” tab.
  • Transaction date
  • Name of the merchant
  • Transaction amount

ย 

Payoneer Makes Travel More Fun

With your Payoneer card, you can cross the world as often as you like, without worrying about high foreign currency exchange fees or payment processes that arenโ€™t secure. Use these tips to travel further and enjoy more with Payoneer.

Latest articles

  • A comprehensive guide to cross-border payments

    A comprehensive guide to cross-border payments

    Outsourcing is a great way to grow your business. But the relationship depends on smooth, secure, on time payments. You also need to pay using local currency and payment methods. This guide shares best practices for B2B payment providers. The right payment provider helps work with the best, anywhere!

  • Online Payment Methods for Businesses in Pakistan

    Online Payment Methods for Businesses in Pakistan

    As businesses in Pakistan continue to expand their local and global reach, the demand for online payment solutions is higher than ever. Whether youโ€™re a freelancer working with global clients or a local merchant selling to customers who reside abroad, identifying the right international payment methods in Pakistan that can ensure your transactions are hassle-free…

  • Reduce Payoneer costs: Strategies for cost savings

    Reduce Payoneer costs: Strategies for cost savings

    Find out how to withdraw money from Payoneer to Ukraine: an overview of banks, types of accounts, and advice on how to minimize commissions and risks

  • Bangladeshโ€™s Digital Revolution: How Service Exporters are Scaling Globally

    Bangladeshโ€™s Digital Revolution: How Service Exporters are Scaling Globally

    From freelancing to IT services, Bangladesh is quietly becoming a global services hub. Discover how digital entrepreneurs are tapping new markets, overcoming payment friction, and powering the next chapter of export growth.

  • Tariffs and Trade: A CFOโ€™s Roadmap for Service Export Growth

    Tariffs and Trade: A CFOโ€™s Roadmap for Service Export Growth

    From navigating trade restrictions to building global-ready financial systems, strategic CFOs in Bangladesh are redefining what it means to scale service exports in uncertain times. Bangladeshโ€™s service export leaders stand at a pivotal moment.. While global trade tensions and tariffs reshape traditional commerce, service exporters discover unique advantages. The IT and business services sector reached…

  • How to withdraw money from Payoneer

    How to withdraw money from Payoneer

    Find out how to withdraw money from Payoneer to Ukraine: an overview of banks, types of accounts, and advice on how to minimize commissions and risks

Thanks!

Please continue to Registration.

Thanks!

Please continue to Registration.

Thanks!

Please continue to Registration.