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Payoneer Cross-border payments software logo
Payoneer
Cross-border payments platform for sending, receiving, holding, converting and spending money globally
3.4

( 291 )

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Payoneer Reviews: 3.4/5 — Mixed Feedback

Payoneer Overview
What is Payoneer?

Payoneer is a global fintech and cross-border payments platform enabling individuals, freelancers, marketplaces and businesses to receive, hold, convert, send and withdraw funds across 190+ countries and 70+ currencies. The platform offers multi-currency balances, local receiving accounts, cards (physical and virtual), mass payouts, APIs for integrations and workforce management tools, and provides regulatory compliance and PCI Level 1 security.

Company Payoneer Global Inc.
Year founded 2005
Company size 1000+ employees
Headquarters New York City, United States
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Ask Questions about Payoneer
What Payoneer is best for?
What are the best alternatives to Payoneer?
What are the pros and cons of Payoneer?
Payoneer Product Details
Capabilities
API
Segment
Small Business
Freelancer
Enterprise
Deployment Cloud / SaaS / Web-Based, Mobile Android, Mobile iPhone
Support FAQs/Forum, Knowledge Base
Training Documentation, Videos
Languages English
Payoneer Pros and Cons
Pros
  • Global availability across 190+ countries and support for 70+ currencies
  • Comprehensive feature set: receiving, payouts, cards, multi-currency balances, workforce management
  • APIs and partnerships enable embedding in marketplaces and platforms
  • Working capital options for eligible customers
  • Strong regulatory compliance and PCI Level 1 certification
Cons
  • Transaction and currency conversion fees can be relatively high in some corridors
  • Fee transparency varies by region, account type and transaction; some fees depend on eligibility
  • Not all features available in all jurisdictions (region-dependent availability)
  • Advanced fraud/risk detection features are not clearly documented publicly
Payoneer Features
API / developer integration
Compliance / regulatory support
Corporate / Physical & Virtual cards
Cross-border payments to bank accounts
Currency conversion / FX
Global payroll / workforce management
Local receiving bank accounts
Mass payouts / batch payments
Multi-currency accounts / balances
Payment methods (card, bank transfer, ACH etc.)
Payment requests / Invoicing
Reports & financial dashboards
Disclaimer
Our research is curated from diverse authoritative sources and meant to offer general advice. We don’t guarantee that our suggestions will work best for each use-case, so consider your unique needs when choosing products and services. Feel free to share your feedback.
Last updated: August 14, 2026
Payoneer Cross-border payments software logo
291 Payoneer Reviews
3.4 out of 5
Small Business (50 or fewer emp.)
Sep 13, 2019
 Source
Overall Rating:
5.0
Carlos R. avatar
Carlos R.
Gerente Líder De Equipe
Share
"The best payment processor worldwide."
What do you like best about Payoneer?

Payoneer is a large company established worldwide that is providing a great quality service with shipping and receiving payments worldwide, giving a high level of security regarding the care of our money. This company provides a wide variety of services such as a MasterCard card which we can use at ATMs to withdraw our money quickly and safely and buy or pay for services on the web. And it allows us to make payments from anywhere in the world facilitating our money management and the growth of our company worldwide since it has a variety of currencies which we can use to make our payments.

What do you dislike about Payoneer?

Some of the problems that I find payoneer is that the commission for using the physical card since it is exaggeratedly high when using it at an ATM and on another occasion presents problems when making a payment through a transfer that it was not with the currency of my account and this caused the temporary blocking of my account without any explanation whatsoever, marrying this problems with the use of my money until I could communicate with the technical support of the company and I could solve all the inconvenience caused by such movement within my account. Another thing that I do not like to payoneer are its surcharges for account inactivity, it may not be mandatory that you should use the account on a monthly basis or if you do not place a surcharge for inactivity of $ 5. And one last problem would be the acceleration of the service between the company Paypal and Payoneer since both work in a related way but the service for money transfers is somewhat late which is given as an inconvenience between users and their payments.

What problems is Payoneer solving and how is that benefiting you?

Undoubtedly, a payoneer has provided me with a service which has allowed me to solve a large number of problems regarding my payments worldwide to my clients since it has an easy-to-use service quickly and efficiently and safely to perform our Online operations. It has a tool that allows me to keep track of my clients' payments in an orderly and safe way in any part of the world, giving us the opportunity to develop as a great company worldwide and helping us to grow professionally within the world market.

Mid Market (51-1000 emp.)
Aug 23, 2019
 Source
Overall Rating:
5.0
Martha D. avatar
Martha D.
Jefa De Recurso Humanos
Share
"Physical purchases with physical card"
What do you like best about Payoneer?

Thanks to payoneer I can make purchases safely using the physical card that they deliver once you make a recharge of 30 dollars or more, which they send to your house and I only had to activate it and I could already use it at ATMs or through points of sale and no matter what type of currency they are converting, a few months ago I went to Colombia on vacation and used the payoneer card to make all the purchases and everything was very easy, just with my password assigned through the website is enough to use it normally. The design of the page is very friendly and I can see the transaction history to have total control over my account.

What do you dislike about Payoneer?

the costs at the time of withdrawing money from the ATM seemed high, I do not like that if I fail to enter the password they also charge me a commission for that

What problems is Payoneer solving and how is that benefiting you?

Sometimes the company's payments are through payoneer and from there I can transfer it to my bank account without any problem

Small Business (50 or fewer emp.)
Aug 19, 2019
 Source
Overall Rating:
5.0
Antony H. avatar
Antony H.
Gerente Líder De Equipe
Share
"Utiliza el mejor mejor sistema para recibir y enviar dinero a nivel mundial"
What do you like best about Payoneer?

Payonner es una empresa la cual presta a sus clientes servicios financieros, esta fue fundada en el año 2005 con un fondo de 2 millones de USD por Yuval Tal fundador del CEO y su sede principal se encuentra en los Estados Unidos (Nueva York), esta se especializa en ofrecer pagos en línea tanto dentro de los Estados Unidos así como a nivel internacional. En la actualidad la empresa payoneer cuenta con más de 4 millones de usuarios en más de 200 países en todo el mundo y puede realizar transacciones transfronterizas en más de 150 monedas. Los servicios que presta esta compañía en la actualidad son utilizados por muchos clientes importantes en todo el mundo dentro del comercio electrónico, entre los cuales encontraremos a Google, Airbnb, Upwork y Amazon. Los servicios de Payoneer serian muy útiles a la hora de que su empresa necesite enviar o recibir pagos en línea ya sea a nivel nacional o internacional. Existen compañías similares a los servicios de Payoneer tal como es el caso de Paypal , pero Payoneer tiene un enfoque mucho mas completo para las transacciones internacionales y ofrece costos generales mas bajos que sus competidores. Payoneer ofrece excelente soluciones para los trabajadores independientes a la hora de necesitar pagos directamente desde el extranjero como también a las empresas que necesitan realizar pagos internacionales. Cuenta con un sistema diverso e integral, las tasas que cotizan para el cambio de divisas son justas y, como tal, por su puntual y responsable desempeño como empresa Payoneer ha recibido el reconocimiento mundial como líder en el campo de los pagos Desde que fue creada a contado con la atención de firmas de inversión de grandes lideres a nivel mundial y recaudo mas de 245 millones USD hasta la fecha actual, apoyada por compañías como Ping An, una gran empresa aseguradora china líder que cuenta con un numero de mas de 200,000 personas a nivel mundial con un ingreso generado de mas de 60mil millones USD anuales. Basado en esta gran cantidad de inversiones la compañía a legado a crecer a un alto nivel empresarial hasta convertirse en un líder en pago transfronterizos empleando un numero de 1100 personas en un total de 10 oficinas a nivel mundial, las cuales están encargadas del complejo cumplimiento y aspecto legal del negocio para dar un excelente servicio de calidad a mas de 5 millones de clientes registrados en esta gran plataforma. También cuenta con un espacio de creación de contenido trabajando principalmente con Getty Images y otras grandes empresas asi como en el mercado independiente y en este 2019 la gran compañía payoneer está valorada con un costo de más de 1 mil millones de USD. Esta empresa cerro sus servicios dentro del mercado indio en el año del 2011 por el banco de la reserva de la india a causa de varios directivas tomadas por parte de RBI mas payoneer vuelve al mercado indio en el año del 2016 al concretar una asociación con Induslnd Bank y ofreció una serie de sistemas especiales de informe y limites de transferencias que estén dentro de las normal locales del mercado indio. La empresa Payoneer es uno de los mejores pagos en línea que existe de forma segura y legal la cual su servicio a sido adoptado por muchos marchant. Contando con un gran beneficio al prestarnos un gran servicio con una tarjeta MasterCard que es enviada a mi dirección una ves completado mi registro . Esta tarjeta se puede utilizar en una gran variedad de plataformas para realizar pagos incluyendo el uso para poder retirar dinero en cualquier bot de cajeros automáticos locales. Payoneer es mi alternativa perfecta a la hora de relacionarlas con otros procesadores de pago como Paypal contando con el servicio de poder enviar dinero a mi cuenta y te ofrecen muchas mas servicios que no se encuentran disponibles en Paypal. Es una plataforma de excelencia y con un manejo fácil a la hora de usar, contando hasta con una generosidad de su parte al ofrecernos 25$ por cada miembro referido nuestro que se registre y utilice esta plataforma de pago. Otra de las grandes ventajas de payoneer es que puedo recibir pagos de mis clientes donde quiera que ellos estén y prestando un gran servicio el cual no cobra una comisión por transferencias por que solo nos da un cobro de mantenimiento anual. Payoneer cuenta con un gran servicio de atención al cliente para aclarar cualquier duda o problema que se le presente a su cliente al igual que un foro en el cual los usuarios se ayudan entre si para obtener el mejor servicio de la plataforma.

What do you dislike about Payoneer?

Para mi gusto el único problema que le encuentro a payoneer es que la comisión por usar la tarjeta física parece un poco alta a la hora de usarla en un cajero automático y en una oportunidad que iba a realizar un pago por medio de una trasferencia que no era con la moneda de mi cuenta y por causa de ese movimiento mi cuenta fue bloqueada hasta poder comunicarme con el soporte técnico de la empresa y pude solucionar todos los mal entendidos causados por dicho movimiento, a parte también de los cargadores por inactividad de la cuenta ya que payoneer te puede cobrar hasta 5 USD si no ve ningún movimiento realizado en el lapso de un mes. Estaría dentro de mi gusto que la empresa payoneer mejorara el método directo de pago que se realiza entre paypal y payoneer para un mejor servicio entre ambas empresas y un mejor método rápido de pago a la hora de realizar cualquier trasferencia entre dichas empresas. Otro problema en especial y personal fue en una oportunidad una atención que me prestaron a través de atención al cliente y fue muy corta, no vi que hubo ningún interés especifico a la hora de resolver el problema el cual me estaba afectando la cuenta. Sin ningún otro problema al cual acotarle a payoneer pues con su servicio me he ahorrado tiempo y dinero a la hora de realizar mis negocios.

What problems is Payoneer solving and how is that benefiting you?

Con el sistema de payoneer he solucionado mis pagos con mis clientes a nivel mundial ya que presenta un sistema fácil y sencillo a la hora de utilizar el sistema, desde que fue implementado este sistema es mucho mas fácil realizar pagos ya que también cuenta con un sistema para poder llevar el control a la hora de realizar pagos específicos a cada una de las personas con las cuales se genera un negocio. Este sistema nos ha dado un buen servicio a la hora de enviar dinero a nuestros clientes en el extranjero y nos a dado la posibilidad de crecer grandemente en el mundo del negocio a nivel mundial.

Enterprise (> 1000 emp.)
Aug 15, 2019
 Source
Overall Rating:
5.0
Ogunbanwo Toyin O. avatar
Ogunbanwo Toyin O.
Information Technology Specialist
Share
"My multitasking online solution"
What do you like best about Payoneer?

I like this international payment gateway because with payoneer I can purchase items online and also withdraw money with thier debit master card and receiving money from foreigner business partners.

What do you dislike about Payoneer?

Nothing to write home about, it's has really been saving me and my company off stress and easy to use and understanding with thier secure services.

What problems is Payoneer solving and how is that benefiting you?

It's has make our work easier and better sending and receiving funds from our foreigner client has become stress free with Payoneer.

Mid Market (51-1000 emp.)
Aug 15, 2019
 Source
Overall Rating:
5.0
FO
Felix O.
Administrator In Information Technology And Services
Share
"Review for Payoneer"
What do you like best about Payoneer?

What I like best is that it is accepted on major freelancing websites such as Upwork.com, People per Hour and Fiverr. Forex traders also use Payoneer to access their earnings as do affiliate marketers such as Amazon Associates. You can use it to withdraw your money from ATMs all over the world. You simply follow the normal withdrawal procedure, key in your PIN, select amount, withdraw and voila! You’ve got your money. Payoneer allow you to pay a bunch of people online. Think companies like iStock, Eleance, 99 designs, AirBNB that need to pay their freelancers/contractors. The draw of the Payoneer service is that these companies can pay lots of people internationally for apparently no cost .Send Money to Friends Without any Fees This is pretty common that we have to send to our friends and family members and mostly online money transfer companies charges some commission for sending money even to friends and family.

What do you dislike about Payoneer?

The private payments have upper limit , When working for clients at times , You can get few high payments but they have a restrictions of 1000 USD that can be sent privately at any given point of time and there is no way you can raise this amount .

What problems is Payoneer solving and how is that benefiting you?

I use it to accept paymentThey can easily accept payments in more local currencies as well pay suppliers and vendors or seamlessly withdraw funds to their local bank.

Mid Market (51-1000 emp.)
Aug 13, 2019
 Source
Overall Rating:
5.0
Maritza L. avatar
Maritza L.
Assistante
Share
"Recibe y envia dinero desde cualquier parte del mundo."
What do you like best about Payoneer?

Esta plataforma, nos permite recibir y enviar dinero desde cualquier parte del mundo. Es facil obtener una cuenta en Payoneer y el mayor beneficio que obtenemos es que podemos solicitar una tarjeta con la cual podemos pagar en los comercios o simplemente sacar dinero del banco.Podemos crearnos una cuenta Personal o Empresarial y en ambas obtener la tarjeta, nuestro dinero siempre va a estar seguro, podemos hacer transferencias de una cuenta a otra y las comisiones son bajas, Su pagina tiene un interfaz sencilla y facil de utilizar y lo podemos usar desde nuestro trabajo, desde nuestra casa o simplemente desde nuestro telefono celular.

What do you dislike about Payoneer?

Algunas veces tardan en procesarse los pagos, quedan en pendiente.

What problems is Payoneer solving and how is that benefiting you?

Utilizo mi cuenta para enviar y recibir dinero desde otras partes del mundo, puedo pagar servicios y me ha sido bastante útil mi cuenta Payoneer ya que hago los pagos de una manera sencilla y rápida sin ningún tipo de inconvenientes.

Mid Market (51-1000 emp.)
Aug 12, 2019
 Source
Overall Rating:
5.0
Martha M. avatar
Martha M.
Content Writer
Share
"Using payoneer as an agent for making payments has been very helpful. "
What do you like best about Payoneer?

I like the fact that it is very easy and fast platform for making and receiving payments promptly, and I like the rate at which they charge for their services.

What do you dislike about Payoneer?

I didn't find anything to deslike when I was using payoneer.

What problems is Payoneer solving and how is that benefiting you?

Payoneer has made my work more faster, it helps me to make and recieve payments quickly.

Small Business (50 or fewer emp.)
Aug 12, 2019
 Source
Overall Rating:
5.0
kristian d. avatar
Kristian D.
Hr Opplæring
Share
"Payoneer closer to you"
What do you like best about Payoneer?

I can enjoy this website safely I can transfer money quickly without any mishaps I can also add a debit and credit card to consume their balance without any problem, it is the perfect website to make transactions safely

What do you dislike about Payoneer?

I do not like your security I think it is always simple and also I would like your design to have high security to prevent any scam from hackers who can steal money

What problems is Payoneer solving and how is that benefiting you?

k

Small Business (50 or fewer emp.)
Aug 08, 2019
 Source
Overall Rating:
5.0
Emmanuel J. avatar
Emmanuel J.
Content Writer
Share
"I had the very best experience using payoneer for making and receiving payments. "
What do you like best about Payoneer?

The best thing about payoneer is their charges, and the custom services it is simply the best.

What do you dislike about Payoneer?

I could not find anything to deslike about payoneer, they provide the best services.

What problems is Payoneer solving and how is that benefiting you?

Payoneer has provided my clients with the best and cheapest way for them to make payments and for me to make payments too.

Small Business (50 or fewer emp.)
Aug 04, 2019
 Source
Overall Rating:
5.0
PureLocal M. avatar
Pure Local M.
Manager
Share
"Payoneer are great"
What do you like best about Payoneer?

What I like best is their secure verification for all incoming payments. I no longer use Stripe or Paypal because they don't request 3DSecure/Mastercode so you'll be open to fraudulent card use. This isn't a problem with Payoneer so I feel safe providing services post payment without fear of the credit card payment being fradulent.

What do you dislike about Payoneer?

None , there is nothing to dislike about Payoneer really.

What problems is Payoneer solving and how is that benefiting you?

I'm providing a secure payment method for my clients.