{
  "name": "Payoneer",
  "slug": "payoneer",
  "pricingModel": "paid",
  "normalized": {
    "currency": "USD",
    "entry": null,
    "plans": [
      {
        "plan": "Free Account",
        "perMonth": 0,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "unknown",
        "free": true,
        "contactSales": false
      },
      {
        "plan": "Credit Card Payments",
        "perMonth": null,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "unknown",
        "free": false,
        "contactSales": true
      }
    ],
    "hasFreePlan": true,
    "hasFreeTrial": false,
    "contactSalesOnly": true
  },
  "pricingDetails": {
    "tiers": [
      {
        "name": "Free Account",
        "price": 0,
        "features": [
          "Free to receive payments",
          "$29.95/year fee (waived if >$6K volume)",
          "1% transfer fee (min $4)",
          "Free Payoneer-to-Payoneer transfers"
        ],
        "billingPeriod": "month"
      },
      {
        "name": "Credit Card Payments",
        "price": "3.2% + $0.49",
        "features": [
          "Accept credit cards",
          "Multiple currencies",
          "Global payments"
        ],
        "priceMonthly": null
      }
    ],
    "hasFreeTier": true,
    "hasFreeTrial": false
  },
  "costFacts": null,
  "pricesByRegion": null,
  "verdict": "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).",
  "bestFor": null,
  "hiddenCosts": [
    "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."
  ],
  "recentChanges": [],
  "priceHistory": [],
  "partnerLink": false,
  "correction": "This price may be out of date. If the vendor's page differs, call report_issue with evidence_url and quote, or verify_price.",
  "provenance": {
    "lastVerifiedAt": "2026-10-08",
    "sourceUrl": "https://payoneer.com",
    "confidence": "medium"
  },
  "source": "Toolradar",
  "citation": "Toolradar, verified 2026-10-08, https://toolradar.com/tools/payoneer/pricing",
  "affiliateUrl": "https://toolradar.com/api/go/payoneer?ref=mcp&key=json",
  "toolradarUrl": "https://toolradar.com/tools/payoneer/pricing"
}