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Payoneer online payment system


Updated on June 17, 2012 by romanticz0
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General Information

Committed to meeting the highest standards in service, security, and privacy, Payoneer has partnered with the First Bank of Delaware. Payoneer utilizes, and continually invests in, top-of-the-line secure technology and adheres to stringent regulations for customer privacy, authentication and identity verification. Payoneer complies with the required KYC (Know Your Customer), BSA (Bank Secrecy Act), AML (Anti-Money Laundering) procedures and OFAC (Office of Foreign Assets Control).   Affiliate networks Internet Payment Service Provider ( IPSP ) Freelance marketplace Online marketing/surveys Stock photography  Payoneer  helps web-based businesses pay large numbers of people around the world, efficiently and securely, direct to co-branded prepaid MasterCard® cards.  Cardholders receive their funds immediately, avoid steep bank charges and hassles, and can use the card to spend or withdraw money in their local currency anywhere that accepts debit MasterCard.  Unlike traditional payment methods, no bank account or credit history is required.  The Best Way to Pay Cost-savings:  Reduce costs by about $1-2 per payment.  Rapid deployment:  Fully-hosted turn-key solution.  Localized solution:  Multi-currency solutions with multi-lingual cardholder support. Efficiency:  Eliminate administrative hassles of cutting checks, sending wires, tracking payments, re-issuing lost checks, etc.  Loyalty:  Private-label card, cardholder website and emails reinforce top-of-mind awareness.  The Best Way to Get Paid Immediate liquidity:  Payments available in minutes anywhere in the world. Convenient: Access funds in local currency, eliminating bureaucratic hassle and trips to the bank. No bank account required.  Cost-effective:  Fraction of the cost of checks or wires. Flexibility: Withdraw funds at any ATM or use for purchases at over 26 million MasterCard locations worldwide; “top-up” online by credit card or at over 59,000 Western Union locations in the US.  Branded card:  Show the world your affiliation to the organization with each payment.  Responsive:  Customer support by online chat, email or phone.  Online access:  Check account and perform transactions online 24/7. To receive a proposal for a tailored mass payout solution, fill out this Become a Partner form.



Countries of use



All types of Internet businesses


The tables below display the maximum possible* charges:
Item Price (USD) Unit How Applied
Card Application Processing No Charge No Charge No charge
Card activation $ 9.95 Per card One time - when card is first loaded
Replacement card $ 9.95 Per card One time - when issuing replacement card
Monthly account maintenance $ 3.00 Per card From available card balance each month
ATM Cash Withdrawals
Item Price (USD) Unit How Applied
ATM withdrawal - US $ 1.35 Per Trx When withdrawal is requested
ATM withdrawal -outside US $ 2.15 + upto 3% of transaction amount Per Trx When withdrawal is requested
Declined ATM withdrawal $ 0.90 Per Trx When withdrawal request is declined
Expedited Card shipping
Item Price (USD) Unit How Applied
Expedited Card shipping Based on Ship method Per card When card is ordered
Customer Service
Item Price (USD) Unit How Applied
Viewing statement online No Charge Per viewing No Charge
Customer Service calls No Charge Per call No Charge
Phone Card Use
Calls inside U.S. (only) $ 0.139 Per minute Per call
Loading Fees

You can load a Payoneer Prepaid MasterCard with a credit or debit card, or transfer from a checking account. Different fees (see below) apply.
US cardholders can also load funds with Western Union. Learn More.

Loading option First load All others Applied within
Transfer from a checking or a savings account $ 5.00 $ 2.00 4-7 business days
Visa 3.5% of loaded amount 3.5% of loaded amount up to 2 business days
MasterCard 3.5% of loaded amount 3.5% of loaded amount up to 2 business days

* shipping and cross-border fees may also apply.

Integration approaches

Get paid directly to your Payoneer Prepaid MasterCard® Use the card for online and offline purchases, or withdraw cash from an ATM - anywhere that debit MasterCard is accepted. Receive payments in dollars and immediately spend or withdraw funds in local currency Never be overdrawn - you can only spend money that has been loaded onto the card No bank account or credit check required The flat, clear and modest fee structure is lower than traditional payment methods and very competitive with other online payment methods If your card is lost or stolen, we will provide a replacement and transfer your balance (be sure to report it immediately!) Payoneer uses top-of-the-line secure technology and stringent regulations for customer privacy, authentication and identity verification

Information for developers

Affiliate networks Internet Payment Service Provider ( IPSP ) Freelance marketplace Online marketing/surveys Stock photography Payoneer helps web-based businesses pay large numbers of people around the world, efficiently and securely, direct to co-branded prepaid MasterCard® cards. Cardholders receive their funds immediately, avoid steep bank charges and hassles, and can use the card to spend or withdraw money in their local currency anywhere that accepts debit MasterCard. Unlike traditional payment methods, no bank account or credit history is required. The Best Way to Pay Cost-savings: Reduce costs by about $1-2 per payment. Rapid deployment: Fully-hosted turn-key solution. Localized solution: Multi-currency solutions with multi-lingual cardholder support. Efficiency: Eliminate administrative hassles of cutting checks, sending wires, tracking payments, re-issuing lost checks, etc. Loyalty: Private-label card, cardholder website and emails reinforce top-of-mind awareness. The Best Way to Get Paid Immediate liquidity: Payments available in minutes anywhere in the world. Convenient: Access funds in local currency, eliminating bureaucratic hassle and trips to the bank. No bank account required. Cost-effective: Fraction of the cost of checks or wires. Flexibility: Withdraw funds at any ATM or use for purchases at over 26 million MasterCard locations worldwide; “top-up” online by credit card or at over 59,000 Western Union locations in the US. Branded card: Show the world your affiliation to the organization with each payment. Responsive: Customer support by online chat, email or phone. Online access: Check account and perform transactions online 24/7. To receive a proposal for a tailored mass payout solution, fill out this Become a Partner form.

Recent news

Posted on June 18, 2018
6 Simple Things You Can Do Today to Improve Your Productivity

When you work independently as a freelancer, maximizing your productivity is vital to getting the most value for your time. Enhancing performance efficiency and eliminating time-wasters will help you achieve the success you want.

The following is a quick look at some of the simplest and most effective things you can do as a freelancer to improve productivity.

Schedule Mental Breaks

Studies throughout the 1900s supported the notion that workers in factories were more productive over the course of a day when allowed breaks. The same principle applies to freelancers, who typically need mental breaks to maintain a high level of productivity.

A structured routine is especially beneficial for maintaining stamina and motivation. Try breaking your work time into 30-minute segments, with 25 minutes of on-time and 5 minutes of rest. After an extended work session of a few hours, take a longer break before getting back into your work.

Start Your Day Earlier

“I’m not a morning person,” is a common excuse used by people who delay the start of their day. In truth, most “morning people” have trained themselves to ramp-up performance early. Establish a standard wake time, which your body adjusts to, and create a routine that allows you to wake up, get your mind and body ready, and begin work.

Keep a Schedule and To-Do List

These may seem like old standards, but many freelancers don’t keep a consistent schedule and to-do list. Keep a schedule of your daily and weekly work assignments. Include personal items on your schedule to avoid over-booking your time and being stressed. Before you break away from work at the end of each day, create or modify your to-do list for the next day.

Practice Meditation and Mindfulness

Mindfulness is a practice that can help you sharpen your ability to stay focused on the moment and eliminate distracting thoughts from your mind. The “Calm” app is a popular tool to aid in your ability to learn and practice meditation and mindfulness. Incorporate this into the start of your day, and include it as needed for refreshers during the time.

Identify and Eliminate Distractions

We all have things that get in the way of productivity by serving as tempting distractions. For some, checking social media, playing around on a mobile device or sifting through the overnight news are those distractions. You may have others as well. Whenever you recognize a distraction from productivity, eliminate it from your workday. If necessary, plan some personal time after work hours to engage in these personal or social activities.

Use Organizational Software

Microsoft Outlook and Google Docs are among simple organizational tools you can use to plan and manage your day. Outlook’s calendar enables you to block off specific times for work and personal activities, and it delivers reminders to you. Google Docs allows you to create and edit work tasks so you can keep track of progress on projects. You can invite clients or others to view and edit your documents as well.


These are some of the simplest but most helpful things you can do to maximize your productivity as freelancers! The sooner you implement these strategies, the sooner you can earn more money from your time investment.

Freelancers, get paid easily by clients with Payoneer»

The post 6 Simple Things You Can Do Today to Improve Your Productivity appeared first on The Payoneer Blog.

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Posted on June 15, 2018
Learn from Your Competitors to Outrun Them

Editor’s note: This is a guest post from Helen Stark, Content Marketer at Ahrefs.

A rivalry is inevitable in business. And digital marketers often use the ‘steal from your competitors’ tactic. I suggest you learn from your competitors instead.

Of course, any unethical techniques are a big “no-no”! In marketing, like in sports, if you wish to win in the long run, you must respect your rivals. And win the game! Let’s check out the best techniques you can use for analyzing your competitors.

Find out who your competitors are (if you still haven’t)

Being aware of who you compete with is the cornerstone of competitor analysis. Most eCommerce websites already know their “direct” competitors. Those are the businesses that sell the same products. It’s a bit harder to find your “indirect” competitors – those, who sell products in different niches. Thus, if you sell running shoes, you may take a closer look at the online stores that sell shoes in general.

It’s easier to use advanced SEO tools to get the list of your competitors. You can just drop your website’s URL there and see the ‘Competing domains’ list.

You can also make use of a good-old Google Search Console. Extract your top keywords from it. Then you check out the Google’s Top10 for those keywords and create a list of the most prominent competing domains you see there.

Piggyback their keywords

The problem here is that you cannot get into the competitor’s Search Console to find out what keywords help them climb to the Top of the SERP. But you can use advanced SEO tools that allow you to check out the competitors’ keywords. Choose only those keywords that help your competitors occupy positions from 1 to 10. They will be your main target.

There’s a trick that allows you to piggyback the competitors’ keywords and even intercept their customers before they make a purchase from them. You just have to take a closer cook at the competitor branded keywords that also include such words like “compared to,” “alternative,” “better,” “cheaper,” “vs.” etc.

Then create landing pages or other types of content optimized for those keywords. Run a couple of Google AdWords campaigns targeting these phrases. Before purchase, customers often look for comparison or a cheaper/faster solution than that your competitors offer. So, the chances are you will make users change their mind and buy from you instead of your rivals.

Listen to the competitors’ audience

Customers are a great source of information about your competitor. You can legally track the activity of your competitor’s customers across different channels. Check out the social media pages your competitors run and read users comments. Pay closer attention to what they say about their website performance, their service, product, etc. Monitor what new features or products they would like to see. 59% of customers share their negative experience with a brand online. So, check out negative comments as well. They may also give you some food for thought.

Check out comments users leave for the competitors’ blog articles. Thus, you can understand what topics are the most relevant to them and try to offer similar (but more valuable) content for your audience. You may also subscribe to their newsletter to check out their email campaigns from the inside.

To save your time, monitor only those channels that bring your competitors the most of the traffic flow. SimilarWeb toolbar can help you with this. Its “Sources” tab shows the distribution of traffic between direct, social, email and other channels.

Monitor competitors’ brand mentions

Online reputation is another key to success that requires a solid strategy. You can also learn a lot from your competitors here. Start tracking competitor’s brand mentions to learn what people say about them. You can use various tools to monitor the mentions of competitors’ brand.

Brands can easily control what users say about them on corporate blogs, social media pages, emails. Thus, brand mentions on “independent” sources may provide you with more unbiased info about your online rivals.

Moreover, mentions are an excellent source of inspiration for your own blog and social pages. You can see what content your competitors create – and craft yours, a better and more sophisticated one.

Build links from the same sources

Backlinks are considered to be one of the major ranking factors as Ahrefs research for on-page SEO claim. No wonder that link building is a focal point for all marketers. Trust me, your competitors are building links non-stop, so you have to get even more backlinks to succeed.

Monitor the websites your competitors get their backlinks from and build yours from the same sources. Use guest posts and outreach campaigns to attract influencers and persuade them to give you a link back to your website. Check out the periods when they build links the most actively. Usually, when the referring domains graph shows a sudden jump over a short period, it may signify that your competitors were building links actively.

The Bottom Line

Create a spreadsheet where you will be gathering the data you’ll learn about your rivals. It should help you to understand what areas of your marketing strategy need improvement.

Competitive analysis is an ongoing process. Your online rivals are not resting on oars and may track your strategies and tactics as well. So, you should stay aware of their marketing activities. It doesn’t mean that you should only follow the strategies of your competitors. Pay attention to what makes you unique and always try to fulfill the customers’ expectations.

Helen Stark is a content marketer at Ahrefs. She explores new things every day to impress her readers with catchy stories. Apart from all that marketing stuff, Helen loves listening to rock music, reading and traveling. A lot! Feel free to follow Helen on Twitter.

The post Learn from Your Competitors to Outrun Them appeared first on The Payoneer Blog.

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Posted on June 14, 2018
Payoneer is Now Integrated with Invoicera

When you’re self-employed, either as a freelancer or running your own small business, you need to keep focused on your main business tasks. There are so many jobs that fall on your shoulders, such as promoting your work, requesting payments and calculating taxes. These can easily multiply until they distract you from your actual work, which could be disastrous for your business.

Fortunately, there are tools to help you reduce the time you spend on lateral tasks and free you up to focus on your business. Technology that supports freelancers and small business owners with tasks like marketing, accounting and invoicing has kept pace with the explosion of the freelance economy. Tools that can take over the dull responsibility of managing bill payments are among the most valuable to busy freelancers.

Introducing Invoicera

Over the last 14 years, Invoicera has been simplifying payment management and accounts receivable for more than 3 million businesses and freelancers around the world. Invoicera is the popular choice for small businesses and freelancers who want to automate and streamline their invoicing and payment processes. The ease of creating custom workflows for yourself and your employees makes Invoicera a hard-working and multi-purpose tool that boosts your productivity in many ways.

Now that Invoicera is directly integrated with Payoneer, you can transform your whole bill payment management experience into one that is smooth, swift, and simple.

As well as easing the task of invoice creation, Invoicera helps you:

  • Manage invoices in multiple currencies and languages so that you can smoothly handle payments from international clients
  • Create, issue, and track invoices online using customized invoice templates so that every invoice looks professional and neat
  • Schedule invoices to be sent at a future time, which reduces the risk of missing a payment window and helps you keep on top of your accounts receivable
  • Set auto-recurring billing and subscription billing to save yourself time – no need to manually issue the same invoice every week, month, or year
  • Track payments received and issue a late payment reminder automatically
  • Track expenses
  • Track work time for both you and your employees
  • Receive payments instantly online through a choice of over 30 payment gateways
  • Create estimates and purchase orders
  • Automatically approve invoices
  • Manage time tracking and billing for subcontractors
  • Create, analyze, and share detailed financial reports on every aspect of your accounting
  • Manage credit notes and handle staff permissions
  • Deal with credit notes and other payment issues
  • Share your invoices, accounting documents, and payment statuses through different client and vendor panels

Invoicera also has API access for third-party integrations that helps you connect it to your entire business software. However, the instant and direct integration with Payoneer makes it faster and easier to issue invoices and get paid.

How to Set Up a Payoneer Account in Invoicera

Connecting your Payoneer account with Invoicera doesn’t take long. Simply follow these:

  1. Log in to your Invoicera account.
  2. Click on Settings, then choose Payment Gateways (Set Payment Gateways & Offline Payments).
  3. You’ll see the Payoneer logo. Next to it, there’s a link that reads “Create/Connect Payoneer Account.”
  4. Now your Payoneer account and your Invoicera account are connected. You’ll see that the text next to the Payoneer logo has changed to read “Connected.”

Now you can start issuing invoices and getting paid through Payoneer!

How to Request Payment with Payoneer Using Invoicera

  1. Click on “Create Invoice” on the Quick Links header near the top of the page.
  2. Complete all the relevant details as you normally do when preparing an Invoicera invoice, including the client’s details, payments terms, payment due date, etc. Invoicera will auto-populate the invoice.
  3. Under “Payment Gateway Options” select “Payoneer.”
  4. Click “Send By Email” to send the invoice.

How Will It Look to my Client?

Your client will get an email with a link to your secured Invoicera invoice.

Clicking on the link opens the invoice. Payoneer will be listed as the payment gateway option. Your client can just click “Pay Now” to instantly be taken to the Payoneer Online Payment Application.

Your client will see your payment request within Payoneer and can approve the payment immediately, either through their own Payoneer account or as a guest user.

The client can choose from one of a number of payment methods which will be processed by Payoneer. Once your client has approved payment and chosen their preferred payment option, you’ll receive the funds directly in your connected Payoneer account.

Link your Payoneer Account to Invoicera now

*Payments made using Payoneer Billing Service are subject to Terms & Conditions

The post Payoneer is Now Integrated with Invoicera appeared first on The Payoneer Blog.

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Posted on June 13, 2018
How to Increase Business and Look More Professional as a Freelancer

Editor’s note: This is a guest post from Zac Johnson, Entrepreneur at Blogging.org.

Thanks to the power of the internet, it seems like now anyone can make money from the comfort of their own home. Best of all, this business model applies to pretty much everyone in the world as well. Well, that is, if they are willing to put in the time, work, and effort to turn their expertise and skill into a real business.

That is something professional freelancers know all too well. It doesn’t matter if you specialize in content writing, design services, marketing, or anything in between — if you have found success in the world of freelancing, you deserve a round of applause!

With all the talk of freelancer success in mind, today I wanted to discuss some of the best ways to not only find more success with your freelance-based business but also for those who might be struggling to find success of their own.

Try out each of the tools and methods below to propel your efforts and success to the next level.

Stand Out from the Crowd with a Professional Logo

As a freelancer, it’s important to make sure you stand out from the crowd — not just to acquire new work, but to also look professional and demand a higher payout in the process. One of the best ways to accomplish this is by having a professional logo design to better brand yourself and your expertise.

One of the most common reasons why freelancers neglect to have a logo or brand of their own is that it’s often an expensive added cost. However, technology advancements and cutting out the middle-man and hiring costly design firms is making this process a whole lot easier. This is especially true in the case of Designhill, which has created an amazing platform that relies on artificial intelligence to create professional logo designs on the go, while also offering an unlimited supply of drafts, and only costing a fraction of what logo design firms typically charge.

To get started with a new look and feel for your freelancing brand, check out their logo maker tool and fill out a few fields like your name, business name, slogan, and select your favorite color schemes and types of logo designs you already like. Within a few seconds, the tool will start creating a few logo designs for you to skim through and then ultimately purchase if you are happy with it.

Showcasing your professional logo and brand can be accomplished by adding it to your social profiles, website, blog, or anywhere else that you might have a profile or show off your best work.

Create a Brand or Company Name for Your Business

Just because you are a freelancer, it doesn’t mean you need to be seen as another individual freelancer looking for work on the internet. In fact, when companies are looking to outsource content creation or marketing, they are often willing to pay a premium to go with a well-known or trusted agency over a cheaper freelancer option. Instead of falling into the crowd, look more professional and increase business by registering yourself as an LLC or INC company.

Before moving forward with this process, you are going to need to come up with a great name for your business. This theoretically could just be “Your Name, LLC”, but it’s best to not go that route. Instead, you should come up with a professional name that could grow into much more over time.

If you are struggling to find a good name, use a business name generator to help with the process. It’s much like selecting a domain name, but allows for more creativity and won’t cost you thousands of dollars for a great name. All you need to do is plug in a few keywords and phrases related to your business, and the tool will do the rest for you.

Payoneer actually has a nice reference guide on the many options freelancers should consider when growing their personal business and turning it into a legitimate company. Be sure to check it out and see if right now is the best time to bring your freelance business to the next level.

Get Real Testimonials and Profile Photos from Clients

The internet has made the business model of freelancing a whole lot easier. In fact, FreelanceMyWay reports that “there are 57.3 million people freelancing in the United States, contributing an estimated $1.3 trillion to the economy each year” — which is 30% higher than the freelancer revenue contributed to the economy last year!

With there no longer being a need for freelancers to focus on local markets and needing a higher education, the doors for opportunity are wide open. Since most freelancers are starting off from scratch or with a low budget, most of this can be accomplished with personal outreach and putting in the time and effort.

However, there are still some effective ways to stand out from the crowd, while also gaining the attention and respect of potential clients in the process.

A perfect example of this would be to have your own website or blog. This is pretty much a no-brainer and something every freelancer should have. Having a site of your own is great for a wide range of reasons, but specifically to secure and rank for your name in Google, showcase your expertise, and to highlight testimonials from previous clients.

When using testimonials to compliment your services, always try to get a photo of the person providing you with their feedback. If possible, try to link back to them on social media as well. If you can get a video testimonial, even better!

The best way to find success with a website or blog of your own is to make it your own sales pages and making your brand and services stand out from the crowd. Trustworthy and real testimonials can be huge for conversions and bring in new clients.

There is Nothing Free About the Business of Freelancing

While the word “freelancing” has the word “free” in it, there is definitely nothing free about it. Not only can it be one of the most competitive industries to be in, it can also be one of the most rewarding as well.

Think of your business and personal brand like a first date. You want to make a great first impression and find a client that you’d love to have stick around forever.

Take advantage of each of the recommended tips and tools above, and continue to see your freelancing business flourish for years to come.

Freelancers, get global payments easily from marketplaces and clients with Payoneer

Zac Johnson is an entrepreneur with more than 20 years of experience in the world of online marketing and branding. Zac is currently focused on helping others discover how to make money online through is blogs at ZacJohnson.com and Blogging.org.

The post How to Increase Business and Look More Professional as a Freelancer appeared first on The Payoneer Blog.

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Posted on June 12, 2018
How to Leverage Social Media for Affiliate Marketing

Social media offers a lot of capabilities for affiliate marketers, and leveraging platforms effectively can help to optimize your success. Understanding each social network’s audiences, features, and messaging capabilities is essential to make the most of your online presence. The following is an overview of critical strategies, insights and tips to help you successfully integrate social media into your business.

Save the Pitches for Your Site

People follow your business and engage with your content on social media because they find it interesting, entertaining or valuable. Your social channels aren’t the place to simply pitch your affiliate products. Instead, save the strong promotions for your landing pages and blog posts.

Use your social posts to attract interest from people in your target market based on the value they derive from your content and conversation. Think about the topics of interest to your targeted social user and build message campaigns around them. The occasional glowing endorsement of a highly-preferred product is fine—just don’t overdo it.

When you do include an affiliate link, remember to create a redirect that makes it less obvious that you are selling a product. Some social networks automatically create condensed URLs for embedded links. You can also use your hosting network’s resources.

Integrate Photos and Videos

In the hyper-cluttered environment that is a social media timeline, you must have images or videos to garner attention. People scan their feeds instantaneously, and powerful visualization is more likely to earn attention than a text-only post.

Along with images of products, include images depicting people enjoying lifestyles and activities inspired by the products you sell. Embed short videos that illustrate the benefits of a product, such as the ease of use, performance and versatility.

Post Consistently

Only a tiny portion of your followers sees a post the first time it is published. Therefore, it is important to re-post popular items to reach more people. Additionally, a lack of regular posting leads to unfollowers. People want to follow interesting and active accounts.

Blend planned campaign posts with engagement. Schedule your branded and content posts at least one week ahead. Use scheduler tools to pre-post and then dictate the publishing time. Schedule time each day to check “mentions” of your account so you can respond quickly. Make some time to also interact with people sharing other topics related to your business.

Include Proper Disclosures

The Federal Trade Commission has aggressively targeted lack of proper disclosure on social media posts containing promoted content. To operate ethically and to abide by FTC requirements, include disclosures on any social media posts containing product promotions and affiliate links. A simple “#Ad” or “#Promoted” will do.


These are some of the best ways that affiliate marketers can leverage social media to build their brands. Once you successfully drive traffic to your website, you need an effective solution to facilitate online payment process. That’s where the Payoneer Global Payment service comes into play. You can secure payments from global clients, efficiently, safely and affordably!

The post How to Leverage Social Media for Affiliate Marketing appeared first on The Payoneer Blog.

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