How to get a Payoneer virtual card: Step-by-step instructions

Getting a Payoneer card can be done in just a few minutes, and this process is available even to new users of the platform. To get a Payoneer virtual card, you need to log in to your Payoneer account, go to the section “Banks and cards”, select “Payoneer cards”, and click “Order a card”. Next, you need to choose the type of card (virtual) and the desired currency. Below is a detailed step-by-step guide to help you properly issue and activate your personal Payoneer virtual card.

1. Log in to your Payoneer account. Use the login details on the official website or in the mobile application.
2. Go to the “Banks and cards” section. You will find the option to add a new card there.
3. Select “Order a virtual card”. The system will offer you several currency options to choose from.
4. Fill out the short form. Confirm the card currency and accept the terms of use.
5. Wait for confirmation. The card is often created instantly, and its details are immediately available in your account.
6. Get your card details. You have your card number, expiry date, and CVV for online payments.
7. Start using. Use the card to make purchases, subscribe, or accept payments on platforms that support Mastercard.

Please note that the platform may ask you to provide additional data or confirm information. Follow the on-screen instructions carefully. Also, make sure you have enough funds in your Payoneer balance to order the card. Usually, to request a card, you need to have $100 deposited into your account within the last 6 months, and the receipts must not be from electronic wallets (such as PayPal or Skrill).  If you need more information, this section provides answers to the most common questions about card accounts. 

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Advantages of the Payoneer virtual card for Ukrainian businesses and freelancers

Payoneer virtual card stimulates the scaling of Ukrainian businesses and freelancers working with international clients. With such a card, you can quickly and easily accept payments from abroad, do not search for currency conversion options, and have round-the-clock access to funds. As a card for online purchases, it is ideal for paying for online services, subscriptions, and advertising campaigns. In combination with other Payoneer payment solutions, you enjoy the following benefits: 

• Convenience and speed. Receive funds from international clients and marketplaces.
• Global access. Accept payments from abroad in various currencies.
• Savings on commissions. Reduce the cost of international transfers and currency conversion.
• Security. Protect yourself from fraud and receive transaction security guarantees.
• Convenient money management. Control your finances and make payments online.
• Integration with marketplaces. Connect to popular freelance platforms and manage all your payments in one platform.
• Access to additional services. Use additional services and tools for financial management. 

How to use a Payoneer virtual card for online payments

Using a Payoneer virtual card for online payments is very simple. After its activation in the account, you will receive all the details necessary to make payments. Just as in the case of a regular bank card, the card number, expiration date, and CVV code are entered when placing an order or subscription in an online store or service. The card supports Mastercard payments, so it is suitable for most international platforms, marketplaces, advertising offices, subscription services, and SaaS solutions. For example, freelancers and entrepreneurs use Payoneer online payments to pay for hosting services, software, or advertising using funds directly from your Payoneer account without additional conversions or fees. Here is a step-by-step guide to using a Payoneer virtual card: 

How to make a payment using a Payoneer virtual card

1. Sign in to your account. Make sure your Payoneer virtual card is activated and ready to use.
2. Get card details. Go to the card section, where the number, expiration date, and CVV code are available for Payoneer online payments.
3. Pay for the product or service. Enter the card details as you would with a regular bank card.
4. Confirm payment. Make sure the amount is debited from your account without any additional fees.

Examples using Payoneer virtual card 

Using	Examples	Advantages
Payment for online advertising	Facebook Ads, Google Ads, LinkedIn Ads	Rapid promotion of business in international markets.
Purchase of goods and services	Amazon, Alibaba, eBay	Convenient payments to suppliers without currency barriers
Payment for business tools	CRM, Accounting Services, hosting, domains	Automation and organisation of business processes
Subscription to professional services	Canva, Adobe, Zoom, Microsoft 365	Easy access to the necessary tools for work
Travel and Business Trips	Booking, Airbnb, airline tickets	Cost Optimization

Additional tips

Make sure that the virtual card has enough funds to make the payment. Check if the site you plan to pay on supports Payoneer virtual cards. Keep your virtual card information in a safe place and do not share it with anyone. If necessary, contact Payoneer support services if you have any questions or difficulties using your virtual card. 

What restrictions and fees apply to Payoneer virtual cards?

Payoneer virtual cards have certain restrictions and fees that are important to consider when using. For example, the daily spending limit is 5000 USD/EUR/GBP, but it depends on the type Payoneer card. Withdrawing cash from ATMs and paying for purchases also have their own limits, which may differ between banks. There are also additional fees for currency conversion and international transactions.  

Category	Details
Limitation
Daily Spending Limit	5000 USD/EUR/GBP, but may be lower for some cards.
Cash Withdrawal Limits	Up to 30 ATM withdrawals per day
Limits for payment of purchases	Up to 30 operations in trading points per day
Additional limits	It can be installed by ATMs and other operators
Commission
Currency Conversion	3.5% (or more) if the seller is country differs from the card issuer’s.
International transactions	Up to 1.8% for transactions where the seller’s country differs from the card issuer’s.
Withdrawal of cash	ATM’s and other operators may charge fees
Withdrawal of funds to bank accounts	Up to 2% commission
Transfers within the platform	A commission of 1% is possible
Importantly
Update limits	Daily spending limits are updated every 24 hours from the moment of the first transaction.
Recommendations	It is recommended to check the current limits and tariffs in your account.
ATMs	Some ATMs may set their own cash withdrawal limits.
Withdrawal to the Ukrainian account	Additional commissions may apply, in particular when transferring hryvnias to FOP cards.

Commissions are current as of September 2025. Check on the official page of Payoneer tariffs. 

Summary

For Ukrainian entrepreneurs and freelancers VPayoneer virtual card means fast and secure access to international payments, the ability to pay for online services and control expenses with relatively small fees and limits. The virtual card makes it easier to work with marketplaces, SaaS platforms and thousands of other online services. Don’t delay – create a Payoneer account and order a virtual card today! It is really very convenient and reliable. 

Frequently asked questions (FAQ)

What is it? What is a Payoneer virtual card and why is it important for business?
It is a digital analogue of a bank card that allows you to make online payments and receive funds from international clients.

How to get a Payoneer virtual card?
Log in to your account, go to the “Banks and cards” section, and order a virtual card. You must choose a currency and agree to the terms of use.

What documents are required to receive a Payoneer virtual card?
A verified account and a scan of a passport or other identity document are required. Sometimes proof of address is required.

What are the benefits? Payoneer virtual card for freelancers and entrepreneurs in Ukraine?
This card allows you to quickly receive international payments, pay for online purchases, and top up your earnings through Payoneer, which cooperates with clients from all over the world.

What are the limits and commissions for the Payoneer virtual card?
Daily spending limit up to 5,000 USD/EUR/GBP, up to 30 transactions per day, currency conversion fees – from 3.5%, international transactions – up to 1.8%, withdrawals and transfers – according to tariffs.

Can I use a Payoneer virtual card to shop online?
Yes, the card supports Mastercard and can be used for online purchases on most international platforms and services.

How to check your balance and transactions on the Payoneer virtual card?

You can view the balance and transaction history in the account’s “Banks and Cards” section or request notifications by mail.