Payoneer Fee & Withdrawal Calculator
Calculate exact deductions for Client Credit Card Invoices (3.0%), ACH bank debits (1.0%), and 2.0% local bank withdrawal FX spread.
0% receiving fee when receiving disbursements directly from partner marketplaces.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Frequently Asked Questions
What are Payoneer transaction and receiving fees in 2026? ▼
Receiving funds from other Payoneer accounts is 100% free. Receiving from marketplaces (Upwork, Fiverr, Airbnb) incurs marketplace-specific fees (typically $1–$2). Direct credit card payments from clients cost 3.00% (or 1.00% for ACH bank debit).
What fees apply when withdrawing Payoneer funds to a local bank account? ▼
When withdrawing funds to a local bank account in the same currency, Payoneer charges a flat fee up to $1.50. If currency conversion is required, Payoneer charges an FX markup of 1.50% to 2.00% above mid-market rates.
What is the Payoneer Annual Account Inactivity Fee? ▼
Payoneer charges a $29.95 annual account maintenance fee only if an account remains completely inactive (zero transactions or payments received) for 12 consecutive months.
What are Payoneer Global Payment Service receiving accounts? ▼
Payoneer provides receiving accounts with dedicated local bank details in USD (ACH routing), EUR (SEPA IBAN), GBP (Sort Code), CAD, AUD, JPY, and SGD, enabling global clients to pay like domestic vendors.
How does the Payoneer Commercial Mastercard work? ▼
Merchants and freelancers can order physical and virtual Payoneer Mastercards to spend earnings directly online or withdraw cash at ATMs worldwide. ATM cash withdrawals incur a $3.15 fixed fee plus FX spread.
Can international agencies pay remote contractors through Payoneer batch payments? ▼
Yes. Businesses can disburse mass payouts to thousands of contractors, suppliers, and freelancers globally in a single batch, settling instantly into contractor Payoneer wallets with zero sender fees.
How does Payoneer compare to Wise Business for cross-border freelancing? ▼
Payoneer offers deeper native integration with freelance marketplaces (Upwork, Fiverr) and physical debit card access worldwide, while Wise provides lower FX spreads (0.35%–0.70%) on bank transfers.
What documents are required to verify a Payoneer commercial account? ▼
Payoneer requires a government-issued photo ID (passport or national ID), proof of residential address (utility bill or bank statement), and company registration documents for business accounts.