Question 1

Is Payoneer safe?

Accepted Answer

Yes. Payoneer was founded in 2005 and its parent is listed on Nasdaq. Payoneer Inc. is registered with FinCEN as a money services business and licensed in US states, and its European and UK companies are authorised e-money institutions. In June 2026 it agreed to be acquired by Nuvei. Trustpilot shows no score for Payoneer: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed.

Question 2

Is Payoneer a bank?

Accepted Answer

No. Payoneer is a licensed payments company. It says a receiving account has some of the functions of banking but is not a bank account: it can receive payments but can't be charged, and it only accepts payments from business accounts.

Question 3

What is the Payoneer card?

Accepted Answer

The Payoneer Commercial Mastercard: a card that spends your Payoneer balance, in stores, online and at ATMs. Depending on your eligibility Payoneer offers the Corporate Purchasing Mastercard, issued by First Century Bank, N.A. and provided by Payoneer Inc., or the Payoneer Business Premium Debit Mastercard, issued by Payoneer Europe Limited in Ireland. Cards come per currency, as physical or virtual cards.

Question 4

How do I get a Payoneer card?

Accepted Answer

Payoneer lets you order a card once your account has received at least $100 in payments in the past six months, a threshold it says varies by country. It adds that the receipts must not come from an e-wallet, and that cards aren't available in every country. Once eligible you order the card from your account; a virtual card is ready at once and a physical card is delivered free by standard post.

Question 5

Does Payoneer have a virtual card?

Accepted Answer

Yes. Virtual cards are issued instantly, and you can hold up to 50 without approval or 600 with it, at no charge per card. After your first card in a currency, every further card in that currency is virtual and shares its balance.

Question 6

How much does the Payoneer card cost?

Accepted Answer

$29.95 a year for the card, however many cards you hold, and a $29.95 annual account fee in any 12 months when you receive less than $6,000. Purchases are free where the merchant is in the card's country of issue, up to 1.8% elsewhere, and up to 3.5% when the purchase needs converting. An ATM withdrawal costs $3.15 plus up to 1.8%.

Question 7

Does Payoneer charge an annual fee?

Accepted Answer

Two can apply. The card costs $29.95 a year, and the account costs another $29.95 in any 12 months when you receive less than $6,000; its pricing page says that one isn't charged in the first year on a paid annual plan.

Question 8

Can I add money to my Payoneer card myself?

Accepted Answer

Not in the usual sense. A Payoneer card spends the balance you have been paid into: earnings from marketplaces and payments from business clients. Payoneer moves the balance onto the card automatically every hour, and says you can add funds from a bank account in your own name through a receiving account if you are eligible.

Question 9

Does Payoneer work with Apple Pay and Google Pay?

Accepted Answer

Partly. Its help centre says every Payoneer card works with Google Wallet, but only Payoneer cards whose number starts 529366 can be added to Apple Wallet.

Question 10

Does the Payoneer card have cashback?

Accepted Answer

Only on its Global Cashback Reward Card Plan, which Payoneer says is offered by a sales contact or as part of a promotion, carries a periodic fee and may not be available in your country. It gives no cashback rate.

Question 11

Who issues the Payoneer card?

Accepted Answer

It depends on the card you are offered: First Century Bank, N.A. issues the Corporate Purchasing Mastercard, and Payoneer Europe Limited, an e-money institution authorised by the Central Bank of Ireland, issues the Payoneer Business Premium Debit Mastercard.

Question 12

Why does Payoneer have no Trustpilot score?

Accepted Answer

Trustpilot shows no score for Payoneer: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed. The profile still lists 63,450 reviews, 2,236 of them from the past 12 months.

Question 13

How do I contact Payoneer support?

Accepted Answer

By phone, on numbers it lists for the US, the UK and other countries, or by live chat once you have signed in. Its help pages also have an AI search assistant, and its complaints page gives an email address for complaints.

	Better choice Halocard	Payoneer
Eligibility	Advantage: US residents and residents of 120+ countries	Businesses and freelancers already paid through it
Card type	Advantage: US-issued Visa credit card	Mastercard on your Payoneer balance
Funding	Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto	Payments from clients and marketplaces
USD bank account	Advantage: Your own US account and routing number	Receiving accounts, for business payments
Controls	Advantage: Per-card limits, custom name and billing address	Per-card limits and freeze
In-person payments	Advantage: Physical card, plus Apple Pay and Google Pay	Physical card and ATMs; Apple Pay on some cards
Rewards	Advantage: No cashback, but a monthly referral commission	Cashback on an invitation-only plan
Pricing	Advantage: From $12 a month, or free with 3 referrals	No monthly fee; $29.95 a year for cards
Support	Advantage: Chat, email, and phone on every plan	Phone and chat, after you sign in
Trust and transparency	Advantage: A regulated US company and card issuer	Advantage: A public US company; Trustpilot score withheld

Payoneer review

Pros

Cons

How much does Payoneer cost?

Is Payoneer legit?

What Payoneer reviewers report

Rating withheld by Trustpilot

Fees swallow small balances

Hard to reach a person

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