Payoneer Fee Calculator
Calculate Payoneer fees for cross-border payments, freelancer transactions, and international money transfers. See exact costs before you send, receive, or withdraw money through Payoneer.
Payoneer Fee Calculator
Payoneer Fee Structure:
- • Percentage fee: 3% 0
Payoneer is a leading global payment platform that has been empowering businesses and freelancers since 2005. With over 5 million users across 200+ countries, Payoneer specializes in cross-border B2B payments, marketplace payouts, and international money transfers. The platform is particularly popular among freelancers working with international clients, online sellers on platforms like Amazon and eBay, and businesses managing global payments.
Payoneer's fee structure is designed for professional use, with competitive rates for receiving payments from clients (up to 3%) and free transfers between Payoneer accounts. Unlike consumer-focused payment apps, Payoneer offers multi-currency accounts, mass payout capabilities, and integration with major e-commerce platforms. Understanding Payoneer's fees is crucial for freelancers and businesses to accurately calculate their earnings and costs.
Our Payoneer fees calculator helps you understand the true cost of your transactions before you commit. Whether you're calculating client payment fees, account transfers, or withdrawal costs, get accurate estimates to make informed decisions about using Payoneer for your international business needs.
How Payoneer Fees Are Calculated
Payoneer uses different fee structures depending on the transaction type. For receiving payments from clients, they charge up to 3% per transaction with no fixed fees. Transfers between Payoneer users are completely free, making it ideal for B2B payments. Withdrawals to your local bank typically cost $1.50 or less.
Payoneer Fee Types:
- Receiving Payments: Up to 3%
- Payoneer to Payoneer: Free
- Bank Withdrawal: Up to $1.50
- Currency Conversion: Up to 2% above market
- ATM Withdrawal: $3.15 per transaction
- Inactivity Fee: $29.95/year (12+ months)
Currency conversion is where costs can add up. Payoneer adds up to 2% above the mid-market exchange rate when converting between currencies. However, if you maintain balances in multiple currencies and withdraw in the same currency you received, you can avoid conversion fees entirely. Payoneer supports 150+ currencies for receiving and 70+ for withdrawals.
Example Calculation:
Client payment of $1,000:
- • Payment amount: $1,000
- • Receiving fee: 3% = $30.00
- • Fixed fee: $0.00
- • Total Payoneer fee: $30.00
- • Amount credited to account: $970.00
- • Bank withdrawal fee: $1.50
- • Final amount received: $968.50
Using the Payoneer Fee Calculator
Our Payoneer fees calculator simulates Payoneer's exact fee structure for different transaction types. Enter your payment amount, select your currency, and see instant calculations showing the percentage fee, total cost, and net amount you'll receive. The calculator helps you plan your pricing and understand costs before accepting payments.
Key Features:
- Real-time fee calculations
- Multi-currency support (150+ currencies)
- Business and freelancer payments
- Detailed fee breakdowns
Perfect For:
- • Freelancers receiving client payments
- • E-commerce sellers (Amazon, eBay)
- • Digital marketing agencies
- • International contractors
- • Businesses with global clients
The calculator is especially useful for freelancers who need to factor Payoneer fees into their rate quotes. Understanding the exact cost helps you price services competitively while ensuring you receive the amount you need after all fees are deducted.
Comparing Payoneer with Other Payment Platforms
Payoneer's fees are competitive for cross-border business payments but higher than some alternatives for domestic transactions. With 3% receiving fees, Payoneer is comparable to PayPal (3.49% + $0.49) but more expensive than Stripe (2.9% + $0.30). However, Payoneer's strength lies in its multi-currency accounts and integration with freelance marketplaces.
Payoneer vs Competitors:
Payoneer Advantages:
- • Free Payoneer-to-Payoneer transfers
- • Multi-currency accounts (150+ currencies)
- • Marketplace integrations (Amazon, Upwork)
- • Mass payout capabilities
- • No monthly fees for active accounts
- • Local receiving accounts globally
Payoneer Disadvantages:
- • Higher fees than Stripe for receiving
- • Currency conversion markups (up to 2%)
- • High inactivity fees ($29.95/year)
- • ATM withdrawal fees ($3.15)
- • Not ideal for consumer transactions
- • Account verification can be lengthy
For freelancers working with clients on platforms like Upwork, Fiverr, or Amazon, Payoneer is often the most convenient option despite fees. The ability to receive payments in multiple currencies and withdraw to local banks makes it valuable for international professionals. However, for domestic transactions or lower volumes, alternatives like Stripe may be cheaper.
Tips to Save on Payoneer Fees
Use Account-to-Account
Transfers between Payoneer accounts are completely free. Encourage clients who use Payoneer to pay directly to your account rather than through third-party services to eliminate receiving fees.
Avoid Currency Conversion
Maintain balances in multiple currencies and withdraw in the same currency you received. This avoids the 2% conversion markup. Request payment in your preferred currency when possible.
Batch Withdrawals
Bank withdrawals cost up to $1.50 each. Instead of withdrawing small amounts frequently, batch your withdrawals to minimize fixed fees. Schedule monthly or quarterly withdrawals for better efficiency.
Stay Active to Avoid Inactivity Fees:
Payoneer charges $29.95 annually for accounts inactive for 12+ months. Make at least one transaction per year to keep your account active. Even a small Payoneer-to-Payoneer transfer counts as activity and costs nothing.
Factor Fees Into Your Rates:
As a freelancer or business, increase your rates to account for Payoneer's 3% receiving fee. If you need to net $1,000, quote $1,031 to cover the transaction cost. Many successful freelancers build these fees into their standard pricing.
Frequently Asked Questions
How much does Payoneer charge for payments?
Payoneer charges up to 3% for receiving payments from clients with no fixed fees. Transfers between Payoneer accounts are completely free. Bank withdrawals typically cost up to $1.50, while ATM withdrawals cost $3.15 per transaction.
Are Payoneer account transfers free?
Yes, transfers between Payoneer users are completely free regardless of amount or currency. This makes Payoneer ideal for B2B payments and freelancer transactions. You can send and receive unlimited amounts to other Payoneer accounts globally at no cost.
What are Payoneer international transfer fees?
International payments cost up to 3% when receiving from clients, plus currency conversion fees of up to 2% above market rates if converting currencies. However, maintaining balances in multiple currencies and withdrawing in the same currency can eliminate conversion fees.
Does Payoneer charge monthly fees?
Payoneer doesn't charge monthly account maintenance fees for active users. However, accounts with no activity for 12+ consecutive months incur a $29.95 annual inactivity fee. There are no signup, setup, or monthly costs for regular users.
How do Payoneer withdrawal fees work?
Bank transfers to local accounts are free or cost up to $1.50 depending on the destination country. ATM withdrawals cost $3.15 per transaction. Currency conversion when withdrawing in a different currency than you hold adds up to 2% above the mid-market rate. Some local withdrawals in specific countries may be completely free.
Last Updated: October 2025 | Payoneer fees are subject to change. Please verify current rates on the official Payoneer website.