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Payoneer Pricing 2026

Payoneer pricing: Card 3.99% / ACH 1% to receive; $1.50 bank withdrawal; up to 3.5% FX; $29.95/yr (waived over $2,000). What follows is what that figure does and does not cover, what drives the total, and what comparable global payouts tools charge.

See full Payoneer overview — features, integrations & alternatives
Pricing model
Transaction and FX fees, no meaningful subscription
Starting price
Card 3.99% / ACH 1% to receive; $1.50 bank withdrawal; up to 3.5% FX; $29.95/yr (waived over $2,000)
Free trial
No

Payoneer earns from transaction and currency-conversion fees rather than subscription: about 3.99% on card receipts, 1% on ACH, $1.50 per bank withdrawal, $3.15 at ATMs, and up to 3.5% on conversion, with a $29.95 annual fee waived above $2,000 of activity. The spread that matters is FX — a direct-to-consumer seller moving $120,000 a year can pay anywhere between $18 and $4,800 depending entirely on how funds arrive and in which currencies. Model your own currency mix; the headline rates say very little on their own.

What does Payoneer cost?

Payoneer prices by quote, like most of this category. Here is what actually drives your number — and what to ask before you get one.

  • Transaction volume — the number of payments, invoices or orders you push through it each month (2 of 9 vendors here).

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1 of the 9 vendors we track in this category publish no list price at all.

Payoneer pricing FAQs

How much does Payoneer cost?

Payoneer pricing: Card 3.99% / ACH 1% to receive; $1.50 bank withdrawal; up to 3.5% FX; $29.95/yr (waived over $2,000). Payoneer earns from transaction and currency-conversion fees rather than subscription: about 3.99% on card receipts, 1% on ACH, $1.50 per bank withdrawal, $3.15 at ATMs, and up to 3.5% on conversion, with a $29.95 annual fee waived above $2,000 of activity. The spread that matters is FX — a direct-to-consumer seller moving $120,000 a year can pay anywhere between $18 and $4,800 depending entirely on how funds arrive and in which currencies. Model your own currency mix; the headline rates say very little on their own.

What drives the cost of Payoneer?

Payoneer earns from transaction and currency-conversion fees rather than subscription: about 3.99% on card receipts, 1% on ACH, $1.50 per bank withdrawal, $3.15 at ATMs, and up to 3.5% on conversion, with a $29.95 annual fee waived above $2,000 of activity. The spread that matters is FX — a direct-to-consumer seller moving $120,000 a year can pay anywhere between $18 and $4,800 depending entirely on how funds arrive and in which currencies. Model your own currency mix; the headline rates say very little on their own.

Is Payoneer pricing negotiable?

Published list rates are the starting point, not the floor. Annual commitment, multi-year terms and seat volume are the usual levers, and vendors in this category commonly discount for committed seat counts. Bring a competing published rate to the conversation.