What is Payoneer?

Payoneer distributes, manages and services Payoneer Prepaid MasterCard® cards. Payoneer's card issuing business partner is Choice Bank Limited. A leader in prepaid financial solutions for online applications, Payoneer is headquartered in New York. We value customer communication, so please send any comments or suggestions to: [email protected]

Who can get a Payoneer Prepaid MasterCard®?

Any person over 18 years of age, regardless of availability bank account, can apply for a Prepaid MasterCard® card from Payoneer. You can find detailed instructions for ordering a Payoneer card in the corresponding section “Ordering a Payoneer Prepaid MasterCard® card”.

When registering, must information be entered in Russian or Latin letters?

When applying for a Payoneer Prepaid MasterCard, all fields in the application form must be filled in only in Latin letters.

What are the costs associated with ordering and servicing a MasterCard® debit card?

When ordering a card, please pay attention to the service rates:

• order a card – $15.95 (the commission is removed after the first replenishment of the card);
• withdrawal of funds to the card - $4 (withdrawal is carried out within 2 hours);
• withdrawing cash from an ATM (USD) – $3.25 per transaction;
• withdrawing cash from an ATM (local currency) - $3.25 +2% per transaction;
• payments using a card in stores and online - no commission;
• monthly service: $1 with 5 or more card transactions per month; $3 with 4 or fewer operations per month

How quickly can I receive my Payoneer card after placing an order?

After placing your order, the Payoneer card will be delivered to you within 12-25 business days. If the card has not arrived within the specified period of time, we recommend contacting Payoneer support service

How can I use my Prepaid MasterCard®?

Prepaid MasterCard® cards work exactly like other MasterCard® cards. The card is accepted for payment for goods and services anywhere in the world where MasterCard® cards are serviced.

Can I use a prepaid MasterCard® card for online transactions?

A prepaid MasterCard can be used for online transactions anywhere debit cards MasterCard is accepted as a form of payment. Using a prepaid MasterCard® card, you can also fund your trading account with Forex Club Group.

Who can use the card?

The card owner is the individual whose name is printed on the card. The person in whose name the card is issued is the sole registered owner of the card.

What happens to my card if I don't use it?

Once the card reaches a zero balance, no fees will be charged to your Payoneer Prepaid MasterCard® account.

How to activate the card?

WITH detailed instructions How to activate a Payoneer card you can find in the corresponding section "Activation of the Payoneer Prepaid MasterCard® card"

How are payments available on my Prepaid MasterCard®?

Once the payment has been loaded onto your Prepaid MasterCard®, you will be notified via email and must confirm receipt of the payment. Funds will be available to you after 2 hours from the moment the payment is received. Please make sure your email is from [email protected] in your mailbox will not be automatically sent to spam.

Can I top up my MasterCard® prepaid card using another method?

Yes. You can load your MasterCard® prepaid card balance using other cards (Visa® or MasterCard®), electronic checks (US cardholders only), or cash (US cardholders only). For more information, visit www.payoneer.com.

How can I check my card balance?

In order to check the balance of your card, you must do the following:

• click on "My Account" (You can also click on "My account" on the Payoneer home page
• enter the username and password you chose during registration;
• select the option to check your balance.

What is maximum amount one-time credit to a prepaid MasterCard® card?

The maximum amount that can be credited to the card at one time is $30,000.

How much can I withdraw from an ATM, and how much can I use for purchases?

The daily card usage limit is set at $5,000.

The daily limit for money at ATMs and at a bank teller is set at $2,500. For example, after cashing out $2,500, the card can be used that same day to make purchases totaling up to $2,500.

Note: Cash withdrawal limits may also vary by ATM and may differ from the limits stated above.

What should I do if my card is lost or stolen?

Notify Payoneer immediately if your card is stolen or lost.

Most convenient way report this - write a request to Payoneer support service through the feedback form on their website. On home page website www.payoneer.com click on the "Customer support" button. On the page that opens, you can send a message, as well as online chat with a support representative. On the message sending page, select the interface language Russian, specify the type of request “Lost or stolen card” and send a request to block the card.

You can re-release lost card. Payment for delivery new card will be debited from your card account.

Also, to block a card, you can use the “MasterCard Global Support Service”; you just need to select your country from the list and the system will give you contact number for communication. If the country you are in is not listed, call the US number 1-636-722-71-11 .

How can I cancel the card and get the remaining balance?

You can cancel your card by sending a request to [email protected]

Please include the last 8 digits and owner's name as shown on the card. Payoneer will cancel your card. You can withdraw the remaining funds from an ATM.

Who can I contact if I need additional help?

Issues related to your income are within the competence of the Partner. After downloading Money to your card, all questions regarding your account and/or use of the card should be directed to Payoneer

What should I do if my card application was rejected by Payoneer?

The reason for the rejection of the application will be indicated in the message sent to you from Payoneer. Unfortunately, if your application is rejected, this withdrawal method is not available to you.

In this article I will talk about the main advantages of this card, as well as the disadvantages, and give some life hacks to reduce these disadvantages.

Main advantages and capabilities of the Payoneer card (pros):

• Pioneer debit card.

Unlike credit cards there will be no debts on it, since you can only spend your own money.

• MapPayoneer has a dollar account.

Most microstockers and freelancers working with foreign companies are paid in dollars by large foreign companies.

With the current fall in the ruble exchange rate and the inability to receive payments to cards and accounts of Russian banks (as well as PayPal, etc.) in a currency other than rubles, this is very convenient. You can not only store funds in dollars on the card itself, but also withdraw and open dollar deposits and deposits in other banks.

• Withdrawing money to Russian bank accounts.

If necessary, you can withdraw money from the card to your bank account in Russian bank, but please note that due to the features Russian legislation, you can only receive them in rubles, i.e. Currency conversion will be carried out.

• taxation

Data about your card and the movement of funds on it by Payoneer in tax authorities don't give in.

Despite the fact that, according to the legislation of the Russian Federation, individuals are required to submit information about open bank accounts abroad to the tax authorities, you do not need to submit information about this account to the tax authorities, since it is not registered in your name, but in the name of Payoneer. This account contains the money of all users, and the necessary part is simply recorded for your account and card.

You can also pay for purchases and services online. The card is accepted by all major online stores (for example: AliExpress, Amazon, eBay, etc.), payment systems work with it (PayPal, Skrill and others).

• Card protection and technical support

Payoneer uses only the most high standards in the field of security, user privacy, data protection.

• lack of SMS notifications about card transactions

The presence of the Payoneer application on your phone helps to compensate for this disadvantage, in which you can control the movement of funds on the card wherever you are, as well as prompt 24-hour Russian-language technical support.

• limit on the amount of funds on the card - $10,000

The maximum card account balance is $10,000. All money above this limit is in a virtual balance in your account and is transferred to the card as needed.

But I don’t recommend storing such amounts on a card; it is much better to withdraw them periodically and invest them in deposits or other income-generating activities.

• limit on withdrawal amount per day

Like most bank cards and payment systems, Payoneer has a limit on ATM withdrawals - no more than $2,500 or 10 cash withdrawals per day from an ATM.

If you need a larger amount of money by a certain date, make sure in advance that you withdraw $2,500 every day.

• a card may be blocked if there have been no transactions on it for 6 months

If you have already read our review material about Payoneer and want to become a client of this service, just go through a simple registration procedure. You will be able to use all the capabilities of the system immediately after it, without any additional waiting periods or restrictions: receiving funds in dollars, euros, British pounds, yuan and yen, withdrawing them to a ruble bank account in a Russian bank, as well as transferring money to others users. Russia is a strategic market for Payoneer, so for clients from our country the service is available even without obtaining a physical payment card Mastercard. If necessary, an application for its release can be submitted separately, upon completion of registration.
The only and mandatory condition is having an account in any Russian bank, the details of which will need to be specified at the final stage of registration. The account currency is rubles. An account can be opened for an individual, legal entity or individual entrepreneur. You can also use the data of any payment card you have on hand, or more precisely, the bank account linked to it. You can obtain the details (account number, BIC, branch address) directly from the bank, by contacting the support service, or simply by collecting the necessary information yourself from open sources in the Internet.

The need to enter bank account information during registration - it's more of a convention, because in the future it is not necessary to withdraw funds to it - the account may not be used at all, and you, if necessary, change the details or simply add another bank account to your Payoneer account, or several (maximum two). This step was designed rather to weed out some of those who want to register out of interest, without planning to use the service in the future. And although there is no information that the entered banking information it’s checked somehow, anyway – it’s definitely not worth falsifying the data.

But residents of Russia, along with this, receive a tangible bonus - they can use the services of Payoneer without ordering payment cards, using as a method of receiving funds - withdrawal to a bank account in any local bank with conversion to Russian rubles(fixed commission 2% of the amount). This exempts them from paying a $29.95 service fee. Only standard Payoneer tariffs are applied to payments received on the Payoneer balance, i.e. 1% for enrollment. The fee will be charged annually only when ordering a Payoneer MasterСard payment card. One or more - this does not affect the amount. For residents of Russia (as well as Ukraine), the opportunity to order a MasterCard payment card appears only after receiving the first payment to your Payoneer account.

Registration in Payoneer step by step

Registration of the service by the client itself is completely free. Go to the Payoneer website using our special link, which will allow you to receive the “Welcome Bonus” - a motivating bonus for new clients in the amount of $25. Click on the “Register and get $25” button and start registering.

The rules regulate that an individual cannot have more than one account in system.

Screenshot from Payoneer.com

Important! Registration for residents of Kazakhstan, Georgia, and Belarus differs from that offered for Russia and Ukraine. If you live outside of these countries, please use the universal registration instructions.

Step 1. Personal Data.

For clarity, we filled out the registration form with abstract data. Registration consists of 4 steps. First of all, select the interface language in the upper right corner ( 1 ). Pay attention to the line ( 3 ) at the top of the form - thanks to it you can always determine what step you are at.

First, you have to choose who will be the account user: an individual or entity. Enter your first name, last name, email address and date of birth in Latin letters ( 4 ). Please note: To become a Payoneer customer, you must be at least 18 years old. After filling out the form, check the data and click “Continue” ( 5 ).

Screenshot from Payoneer.com

Step 2. Contact information.

Enter your contact information in Latin letters: country, residential address, city and postal code. Fill in the field with your phone number. This can be either a mobile or landline number.

Screenshot from Payoneer.com

Step 3. Security Details

Here you need to come up with a password, confirm it and select the answer to the security question. Pay attention to the arrows on the right and left - with their help you can conveniently switch between registration steps in case you need to change something.

You will also need the number and expiration date of your passport (civil or foreign), driver's license or any other identification document of your choice. Select the desired option and the country that issued the document. Check everything carefully and click “continue”.

Screenshot from Payoneer.com

Step 4. Bank account details.

Payoneer allows users from Russia to immediately use the payment receiving service after registration, without waiting for a letter from physical card. The funds received can be withdrawn to a bank account in rubles opened in any Russian bank. At this stage, you must provide the full details of your bank account, including your card account.

Choose your bank from the list of proposed ones. If it is missing, contact Payoneer support to resolve the issue individually.

Account number- Bank account number. If you want to use a payment card in your possession, remember that the account number is not the payment card number! You can find out the bank account number that corresponds to the card from the opening and maintenance agreement that you signed. This is usually indicated on an envelope with a PIN code and is often available through online banking. In any case, you can always contact the bank’s support service - by phone or directly at the branch.

BIC – Bank Identification Code, available incl. on the bank’s website, you can easily find it using the Internet search.

TIN- it’s also not difficult to find: the complete database, for example, is available on Calc.ru.

Branch Address– enter the legal address of the bank in Latin letters (it is usually available on the website banking institution) or the address of the branch where you entered into a service agreement.

Finally, enter your full name in Cyrillic, in the same form as in the banking service agreement.

Screenshot from Payoneer.com

After this, confirm your agreement with the terms of service and service tariffs by checking the boxes and click the “Submit” button.

Screenshot from Payoneer.com

Review of application and account activation

Upon completion of registration, you will immediately receive an email notification that your application to open an account has been received by Payoneer and will be reviewed in the next few business days. In practice, everything happens much faster - for example, on weekdays the procedure takes 10-15 minutes.

Screenshot from Payoneer.com

An email will be sent to you with information that the application has been approved and the account has been activated. You will also receive a notification that you have been assigned an individual customer number, which you can use when contacting support.

Screenshot from Payoneer.com

Enter your username and password and log into your personal account. But first you will be asked to select two additional security questions.

Screenshot from Payoneer.com

Immediately after this you will be taken to your personal account. All information about the receipt and expenditure of funds will be collected here. And here you can activate the card after ordering it and receiving it in a letter.

Screenshot from Payoneer.com

But the main thing is that the service of receiving payments is already available to you! Go to your account menu, go to the “Receive” tab and select “Global Payment Service”.

Screenshot from Payoneer.com

You will be taken to a section with details for receiving payments. Account details in US dollars are available immediately. Other currencies - such as the euro, British pounds, Japanese yen And Chinese yuan- you will need to connect additionally when submitting a request. There is no additional charge for this.

You can immediately use the received details by communicating them to the sender in an acceptable way. The sent funds will be credited to your account balance and available for withdrawal to your bank account. If you order Mastercard, you can use it to withdraw money or pay for services.

Screenshot from Payoneer.com

Bonus crediting

You will receive the promised bonus of $25 after payments totaling $1000 are received on your card. Please note: Only payments made by businesses, not individuals, count. The bonus will appear on your account balance within 24 hours.

Order a Payoneer MasterCard

Immediately after activating your account, you can order a Payoneer MasterCard from the central menu. It is produced within a week for free and sent to the address you specified in a regular letter, which will be dropped into your mailbox in one and a half to two weeks.

The received card will need to be activated before use.

Screenshot from Payoneer.com

The procedure is simple: you just need to enter the card number and select a PIN code. The card is activated immediately. All funds available on the balance of your Payoneer account will be available on it.

Payoneer is a convenient electronic payment system that has good functionality and also has a wide range of tools for making payments.

More than 3 million people already use the platform, and the army of users continues to grow.

The service's headquarters is located in New York (USA), and the payment service operates all over the world. Moreover, it is also popular among webmasters and freelancers from Russia, Ukraine, Belarus and other CIS countries.

Create a wallet

How to register

The registration process is quite fast:

1. You should go to the official payment website https://www.payoneer.com
2. Then be sure to select the Russian language to make it clearer how to register here
3. Then you need to select the account type (it is best to choose Prepaid Master Card)
4. Next, you should fill in all the necessary data in English.
5. As soon as you complete registration, a Payoneer Master Card will be sent to your registered address.
6. All that remains is to confirm your email address.
7. After that, go to your personal account and begin getting acquainted with the system.

How to work with a payment card (replenish, withdraw, exchange)

The specifics of working with the payment system are very simple.

First you need to verify your identity. This option is required and opens up the possibility for the user to receive money.

All necessary documents should be downloaded under the section called Global Payment Service.

Once you have done everything, you should wait a few days (mostly from 1 to 3) for the system to accept your documents.

And after verifying your identity, you can accept payments from other users and companies on the Internet.

You can top up your Payoneer account in the following ways:

• using a transfer from a specific company or company to bank account details (you can find them in the user’s personal account)
• also having received payment from individual(from another user)
• directly from a payment system card from another user
• payments from various affiliate programs services (there are more than 2 thousand of them).

A significant disadvantage of the payment system is that there are no direct deposits from other electronic wallets.

To make a replenishment, go to Global Payment Swrvice, and then fill out an application and wait for the payment to be made.

Now about how to withdraw money.

There are two ways:

• withdrawing cash from any ATM
• by paying for a particular purchase in offline or online stores (and without interest).

A few words about tariffs. You will also find all the information about them on the payment website.

Regarding the Payoneer card.

Here are its main features:

1. You can withdraw no more than 2.5 thousand dollars
2. The maximum number of transactions in 24 hours is 10
3. The card supports no more than 10 thousand dollars. All other funds are concentrated on the balance of the payment wallet
4. You can top up your account only 3 times per day.

Thus, the payment card can be easily used if you do not operate with too large amounts of money.

Main features of the service

Despite the fact that the system does not have a large number of methods for depositing and withdrawing funds, and the Payoneer card contains a number of restrictions, it is still possible and even necessary to use the payment card.

And all because of the features of the service:

1. High level of system security
2. Availability of a large number of partner companies
3. Work with clients around the world, including users from the CIS
4. Excellent level of data confidentiality
5. Having your own card to make payments and much more.

No less significant is the presence of a bonus in the amount of 25 dollars for replenishing your account with 100 USD, and this is a really good condition!

Conclusions: pros and cons

The payment system is gradually developing, offering customers profitable terms conducting financial transactions through the system of this system.

Transfers here are fast, transactions don’t hang up, and they send you a card for free, and this is a significant plus.

And now specifically about the advantages:

• excellent technologies for protecting the platform from hacking, high-level security;
• have your own map;
• registration is simple and straightforward;
• The payment system works successfully in a huge number of countries around the world;
• there are many partner companies, and there is also a bonus program;
• anonymity of data and transfers is also guaranteed;
• verification is quite fast;
• Using this payment card it is very convenient to carry out financial transactions and payments abroad.

Well, the cons:

• quite significant commissions;
• card limits;
• not many options for depositing and withdrawing funds;
• mandatory verification.

For the most part, people who are directly related to e-commerce work with this payment system. It is very convenient for both freelancers and clients.

Create a wallet

Webmasters often carry out financial transactions using Payoneer. But it is still worth taking into account the fact that most of the system’s users operate with amounts that are more than $100.

Overall good and reliable payment system.

Payoneer is a payment system that positions itself as one of the best for conducting financial transactions, sending and receiving transfers from Europe and North America.

To get started with this financial system, there is no need to open a separate bank account. This can also be considered a plus.

As in the case of ePayments, in order for the use of the account to be as complete and productive as possible, you need to acquire a prepaid system card - Mastercard Payoneer.

A Payoneer card is issued quickly, and most importantly – free of charge, and is sent to your email address after registering on the site.

The advantages of using such a card are obvious: you can use the card when making purchases and transactions. At the same time, you will always have access to your funds at your fingertips.

The Payoneer payment system is especially appreciated by those who work remotely and receive their wages from the other end of the Earth. A bank card of this payment system makes such transfers fast and hassle-free.

On the Payoneer website, registration occurs in several stages. By clicking the “Register” button, you go to a page where you need to provide personal information.

In addition to your full name and surname, you must also indicate your actual residential address, which will be needed in the future if you want to receive bank card. By entering the wrong address, you risk never receiving this card.

To register in the system, you also need to provide your contact information. The next step to successfully register in the system is to fill out the Account Information form. Here you indicate your password and secret question, which will later help you log into your account on the Payoneer website.

Finally, the system will require you to confirm your citizenship and agree to the rules. If you really need a Payoneer card, and you plan to actively use it after receiving it, we advise you to first familiarize yourself with the financial and legal side of the issue.

On the payment company’s website you will find all the necessary information about commission fees and other nuances of working with Payoneer.

If you did everything correctly during registration and you were able to order a card. Confirmation of this will be an email from the payment system. Now all that remains is to receive a Payoneer card, which, as already mentioned, is sent to the new participant in the system by mail.

Once received, you must activate your Payoneer card to start using it. For this you can use Personal account on the payment system website.

We top up Payoneer, just like we, residents of Russia, withdraw funds from the card, usually with the help of WebMoney systems. Unfortunately, this is still one of the simplest and most accessible options for our compatriots, although residents of the USA or Europe have many more tools for depositing or withdrawing funds.

In order to carry out account transactions without problems, you need to be linked to WebMoney. The data must be the same. After linking, you indicate the information required for the transfer and the amount you want to transfer.

The operations themselves are carried out as quickly as possible. It is worth noting that reviews and support are available to users not only on the official website, but also on the Payoneer blog. The payment system also has pages on Twitter and Vkontakte.