--- title: "Payoneer Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Payoneer the right Payment Processing solution for you? Explore 768 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/187086/Payoneer/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-21" --- Payoneer 4.2 (767) [View alternatives](https://www.capterra.com/p/187086/Payoneer/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 21st, 2026 # Reviews of Payoneer Ease of use 4.2 Customer Service 3.8 ## Pros and Cons in Reviews NH Nguyen H. H Deputy Service ManagerFacilities Services, 11 - 50 employeesUsed the software for: More than 2 years. “Payoneer has been very useful for our team for any international transactions and for any invoicing in a secure environment.“ June 13, 2026 Alejandro C DesignerDesign, Self-employedUsed the software for: More than 2 years. “I used my account for nearly 10 years to receive freelancing funds until one day I woke up to find it closed.“ May 19, 2026 NH Nguyen H. H Deputy Service ManagerFacilities Services, 11 - 50 employeesUsed the software for: More than 2 years. “Invoicing is very clearly and professionally done, saving tons of rounds with clients.“ June 13, 2026 JC Jacqueline C Brand DesignerDesign, 2 - 10 employeesUsed the software for: 1-2 years. “The fees are quite high, eating into your profits bottom line once you get into anything over $100, which is all our transactions. When we had an issue with the account and reached out to customer service, our inquiry wasn't really addressed but rather ignored and met with an unwillingness to resolve the inquiry.“ January 8, 2025 John J CEOInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “I have completely enjoyed and trusted using Payoneer to send contract payments to my overseas workers. “ August 8, 2026 AS Anabelle S OwnerHospitality, 2 - 10 employeesUsed the software for: More than 2 years. “This has occurred more than 10 times. Because of these repeated delays and lack of follow-through, I have been unable to access my own funds, which I urgently needed for an upcoming family visit.“ December 8, 2025 NH Nguyen H. H Deputy Service ManagerFacilities Services, 11 - 50 employeesUsed the software for: More than 2 years. “As far as our business is concerned, we work with overseas clients and vendors and Payoneer is indeed a reliable platform.“ June 13, 2026 Jessica B OwnerConsumer Services, 2 - 10 employeesUsed the software for: Less than 6 months. “They literally are here to defraud legit businesses out of money and employees are all AI bots no personal help“ July 5, 2026 ## Showing most helpful reviews Showing 1-25 of 767 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use John J. CEO Used the software for: 3-5 years ### "Trust Payoneer for your overseas money sending needs" August 9, 2026 5.0 I have completely enjoyed and trusted using Payoneer to send contract payments to my overseas workers. They get their money very quickly and I have never had an issue with it. The rates for the sender and receiver are decent too. Pros Having to pay contract labor overseas, such as India, Australia, etc, Payoneer makes it easy and reliable to send secure payments. Their system seems very safe and secure and I have had no problems over the past 4 years or so using it. Cons It can be a bit of a pain to initially set up the payor, as you need their bank account details, and, sometimes it doesn't accept your credit card, but overall it usually works great. Alternatives considered [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Payoneer Easier to send money overseas to contract workers using Payoneer Review Source SEGRETARIA Used the software for: 1-3 years ### "ottimo per pagamenti internazionali, ma occhio alle commissioni" August 4, 2026 4.0 è una soluzione affidabile per freelance ed aziende globali, benché i costi siano comunque da monitorare. Pros è molto comodo per incassi facili in più valute estere e ottima integrazione con marketplace globali. Cons Le commissioni di cambio valuta sono molto elevate ed i costi fissi per inattività o prelievi bancari. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) Per ridurre i costi elevati delle commissioni di incasso da clienti esteri e disporre di coordinate bancarie locali dedicate (USD, EUR, GBP). Review Source Administrative Used the software for: 1-3 years ### "Reliable international payments platform" July 27, 2026 4.0 My overall experience with Payoneer has been good so far as it is reliable and made tracking the payments and maintaining it's records easy. It offers good value for money by providing all necessary features required for international payments s. Although it's customer care lacks a valuable assistance. Pros Payoneer is one of the best software with user friendly interface for international payments. It is easy to use and understand even for the new users. It is a reliable software for sending and receiving money internationally. Also it provides all essential security features like identity verification and account protection. Cons Customer support and assistance is sometimes too slow and not up to the mark specifically for payment related queries. I've also experiences minor bugs and glitches like slow loading of pages. Review Source Owner Used the software for: Less than 1 year ### "Anything but payoneer, please !" July 6, 2026 1.0 Pros Do not use payoneer and definitely do not depend on them solely to manage your business funds merchant or send or receive they will rob you and keep you in endless loop of crap excuses Cons Literally it seems like it's a good app although they charge way too much for transacting within their app and uses for your own money . They literally are here to defraud legit businesses out of money and employees are all AI bots no personal help Review Source Deputy Service Manager Used the software for: 3-5 years ### "Allows you to make payments and billings anywhere." June 15, 2026 5.0 Payoneer has been very useful for our team for any international transactions and for any invoicing in a secure environment. It's not great but the pros outweigh the cons. As a Deputy Service Manager, I'm happy it's made payments easier and supports contractors overseas. Cheap for a small to medium sized business line, would give it to others in a similar area. Pros As far as our business is concerned, we work with overseas clients and vendors and Payoneer is indeed a reliable platform. Invoicing is very clearly and professionally done, saving tons of rounds with clients. They are swift and the security of their payment system is a major advantage. Once it's set up, our team was able to comprehend it in no time. Cons In rare instances, I saw fluctuations in the updating of transaction statuses, causing some apprehension in payment tracking. The user interface might be a little bit better; there are some things that are not where I would expect them to be. Customer service is useful, but can sometimes be slow to respond, particularly at busy times. Not deal-breakers both but can be enhanced for a smoother experience. Review Source Designer Used the software for: 3-5 years ### "Insecure for holding funds. Arbitrary freezes. " May 25, 2026 1.0 I used my account for nearly 10 years to receive freelancing funds until one day I woke up to find it closed. They demanded proof of income and address; I submitted everything, only to have them unfreeze it three weeks later and immediately close it for alleged 'T&C Violations.' I strictly used the account for work payments and regular shopping, taking great care to comply with rules for nearly a decade. Being locked out of my funds for almost a month is something I'd expect from a 'banana bank,' not a self-proclaimed 'fintech leader.' Stay away and find a more serious financial services provider. Pros Fast reception of ACH transfers, on time card delivery. Basically it. Worked well until it didn't . Cons Customer support is frustrating. Agents sound like chatbots focused on closing tickets rather than solving problems, often disappearing after sending a response. On-site support inquiries auto-close with irrelevant templates and are marked 'resolved' to boost their metrics, forcing you to constantly reopen threads. Getting through to a live agent is a nightmare; I once waited six hours just to move up in the queue. Additionally, fees are significantly higher than competitors. To make it worse, SMS 2FA breaks regularly and codes often never arrive, forcing me to manually request an authenticator setup instead of waiting hours for a text. Review Source Nurse Used the software for: 1-3 years ### "Reliable for international payments but fees could be better" April 30, 2026 5.0 Overall, my experience with Payoneer has been good. It’s a reliable platform for receiving international payments, and I haven’t had major issues using it. While the fees could be improved, it still does the job well and is useful for freelancers or anyone earning from abroad. Pros I like how easy it is to receive payments from different platforms and in different currencies. It’s quite convenient, especially if you work online or get paid internationally. The interface is simple to use, and transfers to my bank are usually straightforward. Cons The fees can sometimes feel a bit high, especially when converting currencies or withdrawing to a local bank account. Also, withdrawals are not always instant, which can be frustrating if you need quick access to your money. Review Source It manager Used the software for: 3-5 years ### "Reliable for Global Payments" April 27, 2026 4.0 My overall experience with Payoneer has been mostly smooth and reliable. It’s easy to receive payments from abroad, and the interface is straightforward, which makes managing transactions simple. Pros What I like most about Payoneer is how easy it is to receive international payments. The platform is simple to use, transfers are fairly quick, and it works well for freelancers and online businesses. Cons The fees can be a bit high sometimes, especially for currency conversion. Also, customer support can be slow to respond when there’s an issue. Review Source Francesco C. Operaio Used the software for: 1-3 years ### "Una soluzione pratica per pagamenti internazionali" April 21, 2026 4.0 Nel complesso Payoneer è un buon servizio per chi lavora con clienti internazionali. È affidabile, abbastanza semplice da usare e permette di gestire pagamenti e incassi senza dover aprire conti in più paesi. Non è perfetto, ma fa bene il suo lavoro. Pros Payoneer è comodo per ricevere pagamenti internazionali senza complicazioni. Le tempistiche sono generalmente rapide e l’interfaccia è chiara anche per chi non è esperto di servizi finanziari. Molto utile anche la possibilità di avere un conto in diverse valute, che semplifica i pagamenti da clienti esteri. Cons Le commissioni non sono sempre tra le più basse, soprattutto per i prelievi o i cambi valuta. Inoltre, l’assistenza risponde, ma a volte serve un po’ di pazienza per ottenere una soluzione definitiva. Review Source Admin Used the software for: Less than 1 year ### "Easy to receive international payments" April 6, 2026 5.0 Overall, my experience with Payoneer has been positive. It’s a reliable and convenient way to receive international payments, especially for freelancers and businesses. While fees and occasional verification delays can be a minor drawback, the ease of use and global reach make it a great tool for managing payments. Pros What I liked most about Payoneer is how easy it is to receive international payments. It’s convenient, fast, and supports multiple currencies, making it ideal for freelancers and businesses working globally. Cons What I liked least about Payoneer is that some fees, like withdrawal or currency conversion fees, can be higher than expected. Occasionally, account verification can take longer, which can be a bit frustrating. Review Source Dionne Joy M. CEO Used the software for: 1-3 years ### "Payoneer is a trusted global payment platform for sellers and buyers" December 25, 2025 5.0 My overall experience with Payoneer has been great. Payment was received quickly. Payoneer is a reliable solution for freelancers and businesses managing international payments. Fees are cheaper than some other payment platform with limited bugs and issue Pros Payoneer is excellent and trusted global payment platform. Payoneer offer secure Payment, value for money, great customer support. Great for sellers and buyers, you can view transactions immediately. Easy accounting and bookkeeping Cons I love using Payoneer, Fees are cheaper than some other payment platform with limited bugs and issue. Payoneer learning curves at first took some time to understand, but love using it now. Switched from [Fiverr](https://www.capterra.com/p/239416/Fiverr/) Payoneer fees was cheaper than fiverr fees. I still use fiverr optional for seller who does not have an Payoneer account. Review Source Patricia M. Content Creator Used the software for: Less than 1 year ### "Useful When Applicable" January 2, 2026 4.0 I had no problems using the platform, it was easy to setup and I was able to make my payments securely Pros I like that it can be used to make payments to clients in the eastern & Asian parts of the world. it allows for secure payments Cons In my experience, it can only be used for clients in the eastern & Asian parts of the world. Not very flexible Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) The vendor was not able to accept payment via paypal as he was in India Review Source Luicianna G. assistant Used the software for: 3-5 years ### "Amaizing for freelancers" May 20, 2025 4.0 Pretty good experience, easy to use, and secure enough. I will make it faster on withdrawal times, and that would make it perfect. Also, I wish I could get the card for free Pros It is an amazing app, I use it all the time to move my money around. Very intuitive and with good fees Cons Sometimes, the time it takes to withdraw money can be quite long, and if you're in need of the money, that can be a huge inconvenience Switched from [Wise](https://www.capterra.com/p/234269/Wise/) They locked me out of my account when I lost my old phone number, even though I tried getting my account back, they have a very poor recovery team Review Source Sales Representative Used the software for: Less than 1 year ### "Cut Throat Payoneer Fees " September 2, 2025 1.0 Very Very Bad; have a lot of regrets of Payonner taking over Paypal. If only i had know about their exorbitant fees, I would not have set up an account with them. Pros Nothing, Nothing at all, Nothing, Nothing at all, Nothing, Nothing at all, Nothing, Nothing at all, Nothing, Nothing at all Cons I would like to share a very bad experience with Payoneer Inc for their cut-throat fees for withdrawing my own funds from my own payoneer account into my bank account. I have about US$331.53 in my US bank account at Bank of America. To my shock and disappointment, I am required to pay a fee of US6.61 to them for this withdrawal. I use to have an account with Paypal prior to Payoneer and and they never charged me such a fee at all!! I would like to warn others of this super high charge by this company. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) I had no choice. It is Ebays new appointed vendor Review Source Veterinary Nurse and Client Care Representative Used the software for: I used a free trial ### "Safe, secure transactions " February 2, 2026 4.0 Overall my experience with Payoneer has been a brief one. I only need it to receive one payment. It was easy to set up and I received my payment easily. I did end up cancelling my account afterwards as I didn't feel it offered me anything different to what PayPal might offer; however this thought process may just come from my lack of knowledge about the product and if Payoneer offers anything more. Pros I have only used Payoneer once to receive a secure payment. It was easy to use and without any bugs or glitches. Cons I don't feel I have used Payoneer enough to make an negative feedback. When signing up, I needed an account to receive a payment, but I never learnt more about the program or what other benefits there were. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) It was not my choice and I needed to use Payoneer to receive a payment from another business. Review Source Juan B. BDR Used the software for: 1-3 years ### "Payoneer: PayPal, but flexible & user-centric " June 13, 2025 4.0 I like it. Payoneer feels like a "division" of PayPal in that its overarching business model is seemingly the same, but, objectively, Payoneer's is more flexible and driven by a user-focused approach. Pros In my opinion, Payoneer has a visually quite appealing interface which is complemented by an intuitive and easy-to-use platform across all its features. It does not charge excessively expensive fees for transfers, as opposed to PayPal. It also provides with more flexible options for users to move their money into many other platforms or Payroll apps. Cons It still needs to find a workaround to expand their integrations with other payment platforms. Customer satisfaction is actually profitable. They're falling behind on that. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) Because PayPal's fees were excessively high. Payoneer, on the other side, offered the same quality, but with more flexibility, accessibility, and a slightly more adequate pricing. Review Source Elena W. Global Marketing Manager Used the software for: Less than 1 year ### "A multiple currency management and transaction platform" April 1, 2025 4.0 Payoneer is a virtual online platform that allows quick transactions between different units. It is convenient and effective. Pros Payoneer allows to send and receive funds internationally, making it a convenient option for businesses and freelancers with global clients. And it supports multiple currencies and the transaction fee is affordable. Cons the verification process for setting up a Payoneer account is cumbersome or time-consuming. I was refused for several times until I call for customer support for special approval. Switched from [Airwallex](https://www.capterra.com/p/218771/Airwallex/) This is not a switch. I just applied at the same time Airwallex while I meet the verification issue with Payoneer. Review Source CEO Used the software for: Less than 1 year ### "worst customer service ever" February 11, 2025 1.0 Pros noting, because our company want pay all freelancers with payoneer, and nothing works. we spent 10 hours time and the customer service wrote us already exact the same answer what helps uns noting. Worst customer service ever Cons customer service has no competence. we spent very much time for nothing. we cant send any payment. nothing, really nothing works Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) the customer service does not help. i contact hime 10 times or more. Review Source Ana Clara F. Administrative director Used the software for: 3-5 years ### "Payoneer: The best software " March 28, 2024 4.0 I like Payoneer. Thanks to it, I can receive my money for work on foreign platforms (and most of these platforms use it), in addition, I can be sure that my bank details are safe. The $20 fee is fair, in my opinion. And the more I use it, the more I like the non-bureaucratic ease of using the app. Pros I definitely love Payoneer, because thanks to it I can receive payments from foreign companies in a more secure and non-bureaucratic way, as Payoneer is simple to use. The website/app interface is uncomplicated and intuitive, making it easy for a layman like me to use. And payments have a small fee, which makes it more advantageous than other platforms. Cons I definitely love Payoneer, however, the customer support needs to be faster. Because when I enter some wrong information more than once, they block my account temporarily (I know this is for security), but when I contact support to clarify, most of the messages are automatic, and not from some real/human consultant to solve. This makes me irritated, it takes something that was supposed to be simpler. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) The higher the payment, the greater the security needed and the autonomy I want to have over it. And PayPal, unlike Payoneer, automatically transfers the money to my registered account, without even notifying me beforehand. With Payoneer, I can have control of what comes in and what goes out. Review Source Freelancer Translator Used the software for: 3-5 years ### "Excellent option to receive payments from clients around the world!" October 1, 2021 5.0 Payoneer is a great platform for receiving payments from clients around the world. It's fast, reliable and very easy to use. You can get paid in many different currencies at a really fair service fee, and you have the option to use the money with a Mastercard prepaid card or by withdrawing it to your local account, which normally takes one or two days to deposit it. It's a great option with a great price for what is offered! Pros Payoneer is the best alternative to receive payments in different currencies from clients around the world. As a freelancer or digital service provider you may deal with clients in many countries, and getting paid can be difficult and, specially, expensive. Not with Payoneer! They usually charge 1% from USD payments or even zero for EUR and GBP payments. Also, when you withdraw the money to your local account, you will usually pay a fee of only 2% on the mid-market foreign exchange fee and get it deposited in one or two days at the latest (I receive it in my Brazilian account, for reference). If you compare this to the industry most-famous player (PayPal), they charge like 6.5% when you get paid plus 3.5% on the foreign exchange fee. Plus, Payoneer offers a Mastercard prepaid card, so you can also use the money directly with the card, without having to withdraw it (although it will cost 3.5% on the foreign exchange fee, instead of 2%). Overall, it's a great and quite reliable platform! I've been using their services for around 5 years and never had a problem. Cons Unfortunately, their Mastercard prepaid card doesn't work with Samsung Pay or Google Pay (at least not until now, September 2021), so you can't leave it at home and make your payments with an NFC device like your phone or smartwatch. Also, they still charge a fee of USD 29.00 per year for using this card. It made sense years ago, but with a higher competition and other platforms starting to offer similar services, this fee could be reduced or even eliminated based on your usage habits. Switched from [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) Payoneer offers a better service for a significantly lower price. Review Source MD Used the software for: Less than 1 year ### "Say goodbye to your money " December 5, 2025 1.0 There is no safety net with Payoneer and if the recipient is dodgy, you can say goodbye to your money. They will not offer assistance with claim backs. Pros Payments are easy to make and fast. It appears easy to use. If working with a reputable party it’s as easy to use as WISE. Cons Payoneer doesn’t offer any assistance if goods aren’t received. There is no ability to dispute a payment or open a chargeback. They state that ‘all payments are final’ and won’t assist in the case of any issues such as foods not being supplied. Review Source . Used the software for: Less than 1 year ### "A disaster when you hit a glitch" July 31, 2025 1.0 Maybe Payoneer is ok if you don't suffer any glitch in their system, but when you do, it's game over - you will lose. Their support are all bots - you will get the same response for weeks: in chat: "yes, we have all we need, I assure you we will resolve your issue", then later in email: "sorry, we could not resolve your issue, have a nice day". Escalation within the company is impossible, even via their formal complaints channel. Pros Nothing; Cons I only got to experience their customer support and that is terrible. Review Source 1k B. Online Gaming Account Merchant Used the software for: 1-3 years ### "Payoneer is Efficient for International Transactions, but Withdrawal Fees Could be Lower" March 8, 2025 5.0 I've been using Payoneer to receive my earnings from a different country. I use Payoneer as it very good for international transactions. As a freelancer, I would say Payoneer made my business possible. Pros \-Payoneer offers a prepaid card that can be used for online and in-store purchases, as well as ATM withdrawals which is very good for people who do not want to use their banking debit card. -Customer service for Payoneer is excellent, every customer service agent will offer his best to try and help you out. - Ability to hold more than one currency in your account which means you will not be needing to pay fees for currency conversion Cons \- Withdrawal fees are somewhat a lot considering other alternatives. - Account verification takes too long Review Source Vadim D. Assistant Used the software for: 1-3 years ### "Payoneer misleads users" January 3, 2025 2.0 Before ordering a Payoneer card on the website, I read the company's policy on card fees. We read the information on the Payoneer website: “Pay a single annual fee regardless of the number or cards you have. We'll charge the currency balance associated with the first card issued to you, in either USD or USD equivalent, every year on December 19”. Ordered a card. Activated the card on December 20, Payoneer immediately charged the annual fee. Contacted Payoneer support to ask why the company's policy on the website misleads users. Received this response: “We charge the annual fee on the exact day of activation to ensure that the fee covers the full year starting from the activation date and extending through the same date in the following year. We sincerely apologize for any confusion this may have caused. Please note that this policy is not currently reflected in the pricing and fees section. However, our team is actively working on updating our website to include more specific policies, especially regarding the annual charge fees.” Conclusion: Payoneer provides inaccurate information on its website, misleading users and it is the user who pays for these mistakes. Pros Fast transactions between internal accounts. Cons High commissions compared to competitors (e.g. Wise). Publish misleading information on the website. Review Source Audit Associate Used the software for: 3-5 years ### "A Reliable and User Friendly Solution for International Payments" January 7, 2025 5.0 I have had a positive experience with Payoneer. The platform is easy to use, the transfers are reliable, and the customer support is helpful Pros Fast and reliable transfers where funds are typically transferred quickly and securely, both domestically and internationally Cons Currency conversion fees, While the exchange rates are competitive, there are still currency conversion fees associated with some transactions. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.