Payoneer is one of the best platforms for receiving and sending international payments. Whether you’re a freelancer, content creator, or business owner, having a Payoneer account allows you to withdraw money, receive payments from global clients, and even get a virtual or physical Mastercard.
In this guide, we’ll walk you through how to create a Payoneer account, step by step! 🚀
1️⃣ What is Payoneer and Why Should You Use It?
✅ Receive international payments from companies like Upwork, Fiverr, Amazon, and more.
✅ Withdraw funds to your local bank account in multiple currencies.
✅ Get a Payoneer Mastercard for online purchases and ATM withdrawals.
✅ Send and receive payments between Payoneer users for free.
🔹 Best for: Freelancers, bloggers, dropshippers, affiliate marketers, and businesses.
2️⃣ Requirements to Create a Payoneer Account
Before signing up, make sure you have:
✔️ A valid email address
✔️ A government-issued ID (passport, driver’s license, or national ID)
✔️ A bank account for withdrawals
✔️ A phone number for verification
3️⃣ How to Create a Payoneer Account (Step by Step)
Step 1: Visit the Payoneer Website
Go to www.payoneer.com and click «Sign Up».
Step 2: Choose Your Account Type
Select the type of account you need:
🔹 Freelancer or Online Seller – If you work on platforms like Fiverr, Upwork, or Amazon.
🔹 Business Owner – If you run an online business or agency.
🔹 Affiliate Marketer – If you earn commissions from affiliate programs.
🔹 Personal Use – If you want to send and receive money internationally.
Click «Register» to continue.
Step 3: Fill in Your Personal Details
You’ll need to provide:
📌 Full Name (As shown on your ID)
📌 Email Address
📌 Date of Birth
📌 Phone Number (For verification)
Click «Next» after filling out the form.
Step 4: Enter Your Address and Banking Information
Provide your residential address and bank details to link your account.
🔹 Bank Account Details Required:
✔️ Bank Name
✔️ Account Number
✔️ SWIFT/BIC Code (for international transfers)
✔️ Currency Type (USD, EUR, etc.)
💡 Tip: Make sure your bank account details are correct to avoid payment issues.
Step 5: Set Up Security Details
✔️ Choose a password for your Payoneer account.
✔️ Set a security question for account recovery.
📌 Important: Store your password and security answer in a safe place.
Step 6: Verify Your Account
Payoneer will send you an email confirmation. Click the verification link inside the email.
You may also need to upload a photo of your ID to verify your identity.
4️⃣ How Long Does Payoneer Account Approval Take?
🔹 Standard approval time: 1 – 3 business days.
🔹 You’ll receive a confirmation email once your account is approved.
5️⃣ How to Receive Money in Your Payoneer Account
Once your account is active, you can receive payments by:
✔️ Linking Payoneer to freelance platforms (Upwork, Fiverr, etc.)
✔️ Requesting payments from clients via email
✔️ Using the Payoneer Global Payment Service to receive bank transfers
6️⃣ How to Withdraw Money from Payoneer
You can withdraw your Payoneer balance to:
💳 Your local bank account
💵 An ATM (if you have a Payoneer Mastercard)
📌 Minimum withdrawal amount: $50 USD (may vary by country).
7️⃣ Payoneer Fees & Charges (2025 Update)
💰 Receiving Payments: Free from Payoneer to Payoneer; Up to 3% for other methods.
💰 Bank Withdrawals: Varies by country (usually 1-2% of the transaction).
💰 ATM Withdrawals: $3 – $5 per transaction (for Payoneer cardholders).
💰 Annual Fee: $29.95 per year (for Payoneer Mastercard users).
🔹 Tip: Avoid unnecessary fees by withdrawing larger amounts at once.
🎯 Final Thoughts
Creating a Payoneer account is easy and allows you to receive payments worldwide, withdraw money, and make transactions smoothly. Whether you’re a freelancer, online seller, or business owner, Payoneer is a great alternative to PayPal and other payment platforms.
✅ Fast and secure international payments
✅ Low withdrawal fees
✅ Accepted by major freelance and e-commerce platforms
💬 Do you use Payoneer? Share your experience in the comments! 🚀
