Are you a freelancer working on Upwork or Fiverr? Or perhaps you are selling on Lazada or Wish? Payoneer has partnered with leading eCommerce and freelance marketplaces, affiliate networks, and business applications to provide you with quick, convenient, and low-cost solutions to pay and get paid internationally. Read on to learn how you can connect with any of our 2,000+ partners in just a few simple steps.

Selling on Amazon? Click here for step-by-step instructions to connect Payoneer with Amazon.

Connecting Your Favorite Marketplace, Network, or Platform to Payoneer

1. If you haven’t already done so, sign up to Payoneer.

2. Once your Payoneer account has been approved, go to the website of the company from which you would like to get paid  (Upwork, Fiverr, Lazada, Wish, etc.).

3. Select Payoneer as your payment option.

4. Begin the registration process as if you were applying for a new card (if relevant) or bank transfer service.

5. Click Already have a Payoneer account?

6. Enter your Payoneer username and password and follow the on-screen instructions. That’s it, you’re connected!

7. Repeat steps 2-5 for any additional companies you work with.

Quick tip: Having trouble? Search your marketplace or platform FAQs for step-by-step instructions on connecting your Payoneer account with that specific company.

A Step-By-Step Example for Adding a Second Company

Here, let’s take a look how you can add a second company to your Payoneer account. For our example, we’ll show how you can start working with Upwork, in addition to 99designs.

1. First, log in to your Upwork account.

2. Click the down arrow icon at the top right side of your screen (next to the profile image) and select Settings from the drop-down menu.

3. In the User Settings section, click Get Paid and then click Add Method in the middle of your screen.

4. You’ll then see the Payment Methods page. Select Payoneer as your preferred payment method by clicking Set Up. If you don’t yet have a Payoneer account, you can sign up directly from this page by clicking Don’t have a Payoneer account?

5. You will be redirected to the Payoneer sign-up application. If you already have a Payoneer account, simply click Already have a Payoneer account? at the top right side of your screen.

6. Enter your Payoneer username and password and continue as prompted to add Upwork as a funding source.

At the end of the process, Upwork will be added as a funding source to your Payoneer account. View a list of your funding sources by logging in to My Account and accessing the Funding Sources page.

Ready to get started? Log into your account today!

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Editor’s Note: The original post was updated on 13.02.2020 for accuracy and comprehensiveness.

Payoneer connects companies with professionals all around the world, offering international solutions for sending and receiving money.  While the many services we offer are geared towards making your payments simple and efficient, working internationally and with foreign currencies is always tricky.  Here are a few tips that can help you save some extra cash!

Best practices when using your Payoneer card

• Purchases: The main thing you need to keep in mind when using your Payoneer card is that your account is held in either USD or EUR, regardless of what country you live in.  That means that if you are not spending in USD or EUR, each time you use your Payoneer card, funds are converted to your local currency.

The Payoneer card is a prepaid Mastercard® and as such, currency conversions are made using Mastercard’s official exchange rates.  If you’re making large transactions or withdrawals and want to get an estimate of what the current exchange rates are at the time of your transaction, Mastercard® offers an excellent online tool for that.

• Foreign Currency Transactions: If you’re anything like me when it comes to spending money, you will always check your transaction history and compare it to purchase amounts. I know I can be extremely OCD when it comes to the details of my bank and credit/debit card history, so it’s important you realize that the Payoneer card, just like any other Mastercard, is subject to currency conversion charges. While Payoneer itself does not charge you for point-of-sale purchases, Mastercard® and our issuing bank may charge up to 3% on foreign currency or “cross border” transactions (transactions made outside the country of our issuing bank). When making purchases, balancing your books or tracking your transactions, it’s important you keep this in mind.

Cash Withdrawals via ATM: Unlike point-of-sale purchases, cash withdrawals made at ATMs outside the US often use the bank’s conversion rates.  While Mastercard® has competitive conversion rates that are amongst the best available, many international banks will not offer the same conversion rates.  If your local bank has poor conversion rates, you may be better off withdrawing in USD and converting the funds at another location. Check here for a list of compatible ATMs near you.

Receiving funds from Payoneer Partners

You can connect immediately with over 2500 companies who choose Payoneer as a way to pay their users.  Payoneer users worldwide can receive payments from marketplaces/ companies around the world (Upwork, Fiverr, ClickBank, 99Designs, PeoplePerHour, and more!!) directly to their bank account.  So, no matter where you are in the world, you can access our partners to scale your business and immediately receive payment to your local bank account.

Whether you’re new to Payoneer or a long time user, we’d like to share a few tips that will help you get the best out of your Payoneer account.

While we try to make our service as efficient as possible for all of our users, the bottom line is that everyone uses their account in different ways and for different purposes. Understanding exactly how things work will allow you to manage your Payoneer account in a way that benefits your specific needs. Below are a few tips to help you reduce your fees when using Payoneer.

Affiliate Payments

All Payoneer accounts are linked to an affiliate account through which they receive payments for various different reasons. Some things to keep in mind when managing your affiliate payments:

• While the pricing and fee structure varies between affiliate programs, most are alike in that a flat fee is charged when sending a payment to your Payoneer account.
• While everyone is eager to have funds sent to their Payoneer account (who doesn’t like getting paid?) it’s important to realize that the cost effectiveness of a flat fee increases with the amount of the payment.
• If you can wait to accumulate more funds in your affiliate account, sending payments in larger amounts is a great way to cut down on your overall fees.

ATMs

We all love those amazing machines that give us cash (assuming we actually remember what cash is in this technological age), however before going to the ATM, take a moment to consider if you really need to.

• The main thing you want to remember is that your Payoneer card is a debit Mastercard®, accepted anywhere debit Mastercard® is accepted, and making purchases directly with the card is a great way to avoid those pesky ATM fees.
• That said, if you are in need of an ATM, try to make as high a withdrawal as possible to get the best “bang for your buck” out of those ATM flat fees.
• Also, don’t forget to make sure you have enough funds on the card before attempting the withdrawal to avoid any decline fees from the ATM. You can check your balance for free by logging into My Account through Payoneer.com.

Payoneer Account Fees/ Monthly Maintenance Fees

• Services such as the mobile/ desktop application, live chat and e-mail support are completely free of charge.
• For a full list of fees associated with your account, simply login to Payoneer.  Select “Help” from the navigation menu and then “Pricing and Fees.”

Was this information useful? What other tips would you like to read about in the future?  Share your comments, feedback and experiences with us by commenting below!