Payoneer Pricing 2026
Plans, hidden costs, and alternatives compared
Prices last confirmed on Oct 8, 2026 on payoneer.com. Same data as Markdown or JSON.
Cite this data: Toolradar, Payoneer pricing verified Oct 2026, toolradar.com/tools/payoneer/pricing
Payoneer pricing: Free for free account; 3.2% + $0.49.
Verified Oct 2026 from the official pricing page.
Is Payoneer worth the price?
Payoneer is free to join and charges no monthly subscription, the real costs are transaction-based.
Receiving payments from marketplaces or clients via bank transfer costs 0-1%, and withdrawing to your local bank in the same currency is $1.50. The catch is currency conversion: Payoneer marks up the mid-market rate by 0.5-2%, which adds up fast on large transfers.
Credit card payment acceptance at up to 3.99% is steep compared to Stripe (2.9% + $0.30).
Pricing Plans
Free Account
Free
- Free to receive payments
- $29.95/year fee (waived if >$6K volume)
- 1% transfer fee (min $4)
- Free Payoneer-to-Payoneer transfers
Credit Card Payments
3.2%
+ $0.49
- Accept credit cards
- Multiple currencies
- Global payments
Hidden Costs & Gotchas
Currency conversion markup of 0.5-2% is baked into the exchange rate, not shown as a separate line item.
Mastercard currency conversion adds up to 3.5% on top of the exchange rate when spending in a foreign currency.
ATM withdrawals cost $3.15 per transaction plus potential currency conversion, using a local debit card is almost always cheaper.
Sending payments to non-Payoneer users costs up to 4%, making it expensive to pay contractors who do not have Payoneer accounts.
Balance inquiry at ATMs costs $1.00, and declined transactions also incur a $1.00 fee.
How Payoneer compares
5 of 6 direct competitors offer a free plan.
| Tool | Starting price | Free plan |
|---|---|---|
| Payoneer | 3.2% fee | Yes |
| Wise | Free | Yes |
| Stripe | Contact sales | Yes |
| Deel | $19/employee/month | Yes |
| Mercury | $240/year, billing unit not specified | Yes |
| PayPal | $14.99/month, billing unit not specified | No |
| Fragment | $2,500/month, billing unit not specified | Yes |
Payoneer Pricing FAQ
How much does Payoneer cost?
Payoneer has no subscription price: Free for free account; 3.2% + $0.49.
Does Payoneer have a free plan?
Yes. Payoneer offers a free plan called "Free Account". It includes: Free to receive payments, $29.95/year fee (waived if >$6K volume), 1% transfer fee (min $4).
What are alternatives to Payoneer?
Alternatives to Payoneer include Wise, Stripe, Deel, Mercury. Deel starts at $19/employee/month; Mercury starts at $240/year, billing unit not specified; PayPal starts at $14.99/month, billing unit not specified.
Payoneer alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Payoneer pricing: payoneer.com (verified Oct 2026)
- Cite this data: Toolradar, Payoneer pricing verified Oct 2026, toolradar.com/tools/payoneer/pricing
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