Discover Payoneer’s Services for Your Business

Whether you’re a freelancer, business owner, online seller, or service provider, managing international payments doesn’t have to be complicated. Payoneer gives you multiple ways to receive payments from clients and marketplaces around the world, while also making it easy to access, manage, and use your funds from one account.

This guide walks you through the key services available in your Payoneer account and how you can use them to simplify your day-to-day business payments.

Note: The availability of Payoneer’s features and services depends on your eligibility and may vary by country or region in accordance with Payoneer’s policies and regulatory requirements.

Get paid your way with Payoneer

Depending on how your clients or marketplaces prefer to pay, Payoneer offers several ways to receive international payments.

Receive payments with local receiving accounts

If your international clients need local bank account details to pay you, Payoneer’s local receiving accounts make it easy.

You can receive bank account details in supported countries across the Americas, Europe, Asia, and Australia in multiple currencies. This allows your clients to pay you through local bank transfers in their preferred currency, often reducing the costs associated with traditional international bank transfers.

Payoneer is also integrated with leading marketplaces such as Fiverr and Upwork, making it even easier to receive marketplace earnings.

Request payments from clients

If you invoice clients directly, you can request payments from businesses in more than 190 countries through your Payoneer account.

Your clients can choose from several payment methods, including:

• Credit card
• ACH bank debit (US only)
• Local bank transfer
• Direct bank payment (UK only)

You can also track your payment requests and send reminders, helping you stay on top of outstanding invoices and get paid on time.

Receive SWIFT (wire) transfers

If you’re working with clients in regions or currencies that aren’t supported by local receiving accounts, you can receive payments through Payoneer’s SWIFT (wire) receiving account.

This lets you receive USD wire transfers directly into your Payoneer account, giving you another reliable way to collect international payments.

Use your funds the way your business needs

Once you’ve received payments, Payoneer offers several ways to access and use your funds.

Withdraw funds to your bank account

Need your earnings in your local bank account?

You can withdraw funds to bank accounts in more than 190 countries by adding your local bank account to Payoneer. This makes it simple to access your international earnings whenever you need them.

Pay with a Payoneer Commercial Mastercard®

If you regularly pay for business expenses, a Payoneer Commercial Mastercard® can help you spend directly from your Payoneer balance.

Depending on your eligibility, you can:

• Spend up to USD 200,000 per day, with no monthly maximum.
• Make fee-free purchases in eligible USD, EUR, and GBP transactions.*
• Withdraw cash from ATMs using a physical card.
• Pay for business expenses such as advertising on platforms like Amazon, Google, and Facebook wherever Mastercard is accepted.
• Create additional virtual cards in the same currency to manage spending across teams, products, or projects.

You can choose between a physical card or a virtual card based on your business needs.

*Fee-free purchases are available for eligible transactions in accordance with Payoneer’s applicable card terms.

Note: Payoneer cards are subject to eligibility and approval in accordance with the applicable Terms and Conditions.

Pay contractors, suppliers, and employees

Payoneer also makes it easy to send business payments around the world.

You can pay international contractors, suppliers, and employees in just a few clicks. If your recipient also has a Payoneer account, you can send payments directly to their Payoneer balance at no cost.

For businesses making multiple payments, Payoneer also supports batch payments, allowing you to pay up to 200 recipients’ bank accounts at once using downloadable CSV templates.

Manage your business finances in one place

Beyond sending and receiving payments, Payoneer includes additional tools to help you manage your business more efficiently.

Manage multiple currencies

If your business works across different currencies, you can transfer funds between your eligible currency balances in minutes.

This makes it easier to pay suppliers and contractors in their preferred currency, regardless of the currency in which you receive payments.

Access working capital

Eligible customers may receive pre-approved Capital Advance offers based on activity in their Payoneer receiving account.

With Capital Advance, you can:

• Access up to USD 80,000 to support business growth.
• Receive funds instantly after accepting an eligible offer.
• Repay automatically through a fixed percentage of future incoming payments.
• Benefit from one fixed fee with no unexpected charges.

*Availability is subject to eligibility.

Download reports and statements

Your Payoneer account also gives you access to important business documents whenever you need them.

You can generate and download documents such as:

• Monthly statements
• Confirmation of receiving account details
• Amazon account statements
• Letters of good standing

These reports can help support your accounting, bookkeeping, and business documentation needs.

Get more from your Payoneer account

Payoneer is designed to help businesses manage international payments from one place. Whether you’re receiving payments from clients, withdrawing earnings to your local bank, paying suppliers, managing multiple currencies, or accessing business tools, your account gives you the flexibility to support your day-to-day operations as your business grows.