Your Business Payments Are in Good Hands

Whether you sell online, offer freelance or IT services, or work with international clients, managing cross-border payments is an important part of running your business. Payoneer gives you multiple ways to receive payments, access your earnings, and pay suppliers, contractors, and business expenses, all from one account.

This guide walks through the main features available in your Payoneer account and how they can help simplify the way you manage international 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.

Receive international payments

Payoneer offers several ways to get paid by clients, marketplaces, and businesses around the world.

Get local receiving accounts

If you need local bank account details to receive payments from Amazon, international clients, or other businesses, Payoneer’s local receiving accounts can help.

You can receive account details in multiple currencies across supported countries in the Americas, Europe, Asia, and Australia. These accounts can be linked to supported marketplaces or shared directly with clients, allowing them to pay you through local bank transfers in their preferred currency.

Compared to traditional international bank transfers, local receiving accounts can help reduce fees and exchange costs while making the payment experience simpler for both you and your clients.

Receive marketplace payments

If you sell through online marketplaces, Payoneer makes it easy to collect your earnings.

Payoneer is supported by more than 100 marketplaces worldwide, allowing you to receive payouts directly into your Payoneer account from platforms including:

• Amazon
• eBay
• Shopee
• Fiverr
• Upwork

Receiving marketplace payments in one place can make it easier to manage your global income.

Request payments from clients

If you work directly with international customers, you can request business payments from clients in more than 190 countries.

Your clients can pay using several payment methods, including:

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

You can also monitor payment requests and send reminders, making it easier to keep invoices on track and improve payment collection.

Receive SWIFT (wire) transfers

For clients or marketplaces located in unsupported regions or using unsupported currencies, you can receive USD payments through Payoneer’s SWIFT (wire) receiving account.

This gives you another flexible option for collecting international payments while keeping your funds together in your Payoneer account.

Access and use your funds

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

Withdraw funds to your bank account

You can withdraw funds to your local bank account in more than 190 countries.

Simply add your bank account to your Payoneer account and transfer your earnings when you need them, making it easy to access international payments locally.

Pay contractors, suppliers, and employees

Payoneer lets you send business payments around the world quickly and securely.

You can:

• Pay contractors, suppliers, and employees in multiple countries.
• Send payments directly to another Payoneer user’s balance. In many regions, these transfers are free.*
• Pay up to 200 recipients’ bank accounts at once using batch payments and downloadable CSV templates.

This makes it easier to manage supplier payments and recurring business expenses from one place.

*In some regions, fees may apply when paying another Payoneer user.

Use a Payoneer Card

The Payoneer Card allows you to spend directly from your Payoneer balance wherever Mastercard® is accepted.

Depending on your eligibility, you can:

• Make eligible fee-free purchases in USD, EUR, GBP, and CAD.*
• Spend up to USD 200,000 per day with no monthly maximum.
• Choose between physical and virtual cards.
• Order multiple cards to help manage business spending across different teams or expenses.

Using a Payoneer Card can simplify day-to-day business purchases while giving you more control over your spending.

*Fee-free purchases are available for eligible transactions in accordance with the applicable card terms and conditions.

Pay your European VAT

If your business has European VAT obligations, you can pay them directly from your Payoneer balance.

This helps you:

• Avoid unnecessary bank withdrawals and wire transfers.
• Reduce currency conversion costs.
• Simplify VAT payments by letting Payoneer handle payments to the appropriate VAT authorities.

Additional tools to support your business

Payoneer also offers additional features that help businesses manage their finances more efficiently.

Manage multiple currencies

Transfer funds between your eligible currency balances in minutes so you always have the currency you need.

Managing multiple currencies can make it easier to pay suppliers and cover European VAT obligations without unnecessary currency conversions.

Access working capital

Eligible small and medium-sized businesses may receive pre-approved Capital Advance offers based on their Payoneer business activity.

Capital Advance can help you:

• Access up to USD 750,000 to invest in your business.
• Fund inventory, marketing, hiring, or business expansion.
• 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

You can generate important business documents directly from your Payoneer account, including:

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

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

Manage global payments with confidence

Payoneer brings together the tools businesses need to manage international payments in one place. Whether you’re receiving marketplace earnings, invoicing clients, paying suppliers, managing multiple currencies, or using the Payoneer Card for business expenses, your account is designed to help simplify global business payments as your business grows.