{
 "schema_version": "1.0",
 "id": "payoneer",
 "name": "Payoneer",
 "research_status": "researched",
 "vendor_domain": "payoneer.com",
 "category": "Financial Operations",
 "task": "Paying bills & getting paid",
 "summary": "Local receiving accounts for freelancers and sellers paid by international clients and marketplaces.",
 "best_for": "freelancers and sellers getting paid by international clients and marketplaces (Amazon, Upwork, Fiverr) who need local receiving accounts",
 "skip_if": "your main need is cheap currency conversion — a specialist FX account usually beats Payoneer's conversion markup",
 "honest_knock": "The conversion and cross-currency withdrawal markups are where it quietly costs you — for pure currency conversion a specialist like Wise is often cheaper. Payoneer earns its keep on marketplace payouts and getting paid by international clients, less so as an FX tool.",
 "pricing": {
  "status": "see_details",
  "entry_price": null,
  "entry_price_terms": null,
  "from_price_usd_month": null,
  "plans": [
   {
    "name": "Employer of Record",
    "price": "from $199 per employee a month",
    "includes": "110+ countries; pricing may vary by country, services and engagement type"
   },
   {
    "name": "Agent of Record",
    "price": "from $99 per contractor a month",
    "includes": "160+ countries; pricing may vary by country, services and engagement type"
   },
   {
    "name": "Contractor Management System",
    "price": "from $19 per contractor a month",
    "includes": "pricing may vary by country, services and engagement type"
   }
  ],
  "plans_source": "summarised from pricing.notes; every plan name and amount appears verbatim in those notes",
  "notes": "(re-verified 2026-10-02 on payoneer.com/pricing/, where the older payoneer.com/about/pricing/ address now redirects; the page itself carries \"Last updated on 1 January 2026\") Free to open; the cost is in the fees. Receiving into a receiving account in your local currency is free, in a currency that is not your local currency 1% (minimum $1). Receiving by credit card or PayPal up to 3.99% + $0.49; by US ACH bank debit or an EU or UK bank account 1%. Withdrawing to a bank account in your own country and currency $1.50 flat; to a bank account in another country or currency 1.2%-4%, even when no conversion happens, and in some countries a minimum fee of up to $20 may apply. Moving funds between your own Payoneer balances 0.50%. Card purchases up to 1.8% without conversion and up to 3.5% with; cash withdrawals $3.15 / €2.50 / £1.95 / C$3.15 / ¥470 on top of that percentage; annual card fee $29.95, replacement card $12.95, additional virtual cards free. Annual account fee $29.95, charged only if less than $6,000 arrives in any 12 consecutive months and not charged in the first year on paid annual plans. Certain US customers, depending on registration date, instead pay a flat $1.50 per withdrawal or payment up to $50,000 a month and up to 0.5% above that. Businesses moving over $50K a month are pointed at a custom package. Workforce Management is a separate product line with its own price list, read on payoneer.com/workforce-management/ on 5 September 2026: Employer of Record from $199 per employee a month (110+ countries), Agent of Record from $99 per contractor a month (160+ countries), and the Contractor Management System from $19 per contractor a month, all three 'starts at' figures behind a demo and marked 'pricing may vary by country, services and engagement type'. Our partner link on this page belongs to that Workforce Management programme, so it lands on the workforce partners page rather than on the free payments account. Re-read on 2 October 2026 with every fee above unchanged. The card section now also states that card purchases are free where the merchant country matches the card's issuing country, that an ATM balance check or decline costs $1.00 / €0.80 / £0.65, and that a replacement card is $12.95 / €9.95 / £9.95.",
  "verified_at": "2026-10-02",
  "source_url": null
 },
 "free_plan": false,
 "free_plan_evidence": null,
 "cost_traps": [
  {
   "id": "usage_metered",
   "label": "Usage-metered",
   "evidence": "meter: percentage · transaction fees on receiving, converting and withdrawing (e.g. 1%, 1.2%-4%)",
   "verified_at": "2026-10-02",
   "source_url": null
  }
 ],
 "compare_with": {
  "name": "Wise",
  "why": "the low-markup currency-conversion specialist"
 },
 "links": {
  "record": "https://aibuildermarketplace.com/api/v1/products/payoneer.json",
  "review": "https://aibuildermarketplace.com/b2b/payoneer-review/",
  "marketplace": "https://aibuildermarketplace.com/marketplace/payoneer/",
  "vendor_site": "https://payoneer.com"
 },
 "purchase": {
  "seller": "the vendor",
  "how": "AIBuilder Marketplace does not sell this software. Sign up, start a trial or buy on the vendor's site.",
  "handoff_url": "https://payoneer557.partnerlinks.io/whpnqt92bm0j",
  "affiliate": true,
  "disclosure": "Where purchase.affiliate is true, purchase.handoff_url is an affiliate link: AIBuilder Marketplace may earn a commission at no extra cost to the buyer. Commission never changes what a record says, and products are not ranked by commission. Where it is false the link is the vendor's plain site."
 },
 "provenance": {
  "research": "hand-researched dossier, read on the vendor's own pages",
  "researched_since": "2026-07",
  "method": "https://aibuildermarketplace.com/how-we-review/",
  "license": "CC BY 4.0. Credit 'AIBuilder Marketplace' with a link to https://aibuildermarketplace.com/atlas/.",
  "note": "A rebuild is not a new measurement: pricing.verified_at is the date that matters."
 },
 "cost": {
  "status": "not_yet",
  "engine": "https://aibuildermarketplace.com/agents/#cost",
  "rules": null,
  "growth": null
 },
 "unknowns": [
  "Pricing status is 'see_details': no single public entry price.",
  "Contract terms (cancellation, data export, data location, minimum seats) are not researched as separate fields; pricing.notes mentions them only where the vendor's pricing page does.",
  "No computable price rules yet: cost at a given team size cannot be calculated for this product.",
  "Not tested hands-on by us: what the product does comes from the vendor's pages and our reading of them."
 ],
 "task_evidence": null,
 "open_questions": [
  {
   "question_id": "payoneer:cancellation_terms",
   "key": "cancellation_terms",
   "question": "Can a customer cancel at any time, and what happens to an annual plan that is cancelled mid-term?",
   "status": "open"
  },
  {
   "question_id": "payoneer:data_export",
   "key": "data_export",
   "question": "Which data can a customer export, in which formats, on which plans?",
   "status": "open"
  },
  {
   "question_id": "payoneer:data_location",
   "key": "data_location",
   "question": "Where is customer data stored, and can a customer choose the region?",
   "status": "open"
  },
  {
   "question_id": "payoneer:minimum_seats",
   "key": "minimum_seats",
   "question": "Is there a minimum number of seats or users on any plan?",
   "status": "open"
  }
 ],
 "vendor_answers": [],
 "agent_channels": {
  "vendor_mcp": null,
  "agent_checkout": {
   "status": "not_found",
   "detail": "No explicit support for purchases by AI agents on the vendor's own pages.",
   "checked_at": "2026-10-07",
   "method": "homepage, /pricing and the pricing page we cite, read as plain HTML (no JavaScript) and searched for explicit support of purchases by AI agents: Agentic Commerce Protocol, Instant Checkout, Agent Payments Protocol, buy in ChatGPT, agentic checkout"
  }
 }
}