payoneercard.com  
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This website is in no way related or endorsed by the official Payoneer.com website.
 

Payoneer allows organizations to pay large numbers of people around the world, efficiently and securely directly to their Prepaid MasterCard® cards, avoiding the delays and heavy surcharges of more traditional methods such as bank transfers and international checks. Payoneer is a privately-held company and a registered MSP with MasterCard.

Payoneer also offers a prepaid travel card for young people participating in organized trips. More information can be found at http://www.payoneertravel.com.

Committed to meeting the highest standards in service, security, and privacy, Payoneer has partnered with the First Bank of Delaware and MetaBank. Payoneer utilizes, and continually invests in, top-of-the-line secure technology and adheres to stringent regulations for customer privacy, authentication and identity verification. Payoneer complies with the required KYC (Know Your Customer), BSA (Bank Secrecy Act), AML (Anti-Money Laundering) procedures and OFAC (Office of Foreign Assets Control). Read more about Payoneer's privacy policy.

Founded in 2005, Payoneer employs 55 people, including a team of experienced financial and technology professionals, and is headquartered in New York with R&D offices in Tel-Aviv, Israel. Payoneer is backed by private and venture capital investors including Greylock Partners, Carmel Ventures, and Crossbar Capital.
 

What is Payoneer?

 

With booming Internet access and major improvements to collaborative work tools, employers around the world are finding it much easier to outsource work than it used to be a few years back. However, payment, particularly for firms whose workers live in many different countries, remains a complex task.

Businesses typically use wire transfers or services like Western Union, MoneyGram or PayPal to issue payments, all of which can result in fees and/or complications. Printed checks aren’t a better solution as they require postage and a significant snail-mail delay time… As a matter of fact, these services were initially designed to be used on a person-to-person or person-to-business basis, and are inefficient when used for business-to-person payments.

Payoneer offers a convenient solution to this issue by allowing organizations to pay large numbers of workers around the world, efficiently and securely directly to their Prepaid MasterCard® cards, which avoids them the delays and heavy surcharges of more traditional methods mentioned above.
Payoneer is a privately-held start-up of Israeli origin founded in 2005. It now has its headquartered in New York and employs 55 people, including a team of experienced financial and technology professionals. Payoneer is backed by private and venture capital investors including Greylock Partners, Carmel Ventures, and Crossbar Capital and is a registered MSP with MasterCard.

As it is meant to offer businesses a better way to pay their workers, Payoneer cards are co-branded with the company’s name and logo. This means that depending on the company that you apply through; your card’s look will differ as Payoneer offers customized cards.

The Payoneer’s MasterCard Prepaid Reloadable Debit Card can be use to buy goods and services or withdraw money anywhere in the world where MasterCard Debit cards are accepted, this includes websites, ATMs and shops. As you can see, the cards offered by Payoneer are not credit cards as you cannot spend more than what you already have on your card.



 
How to get your Payoneer card?
 

The most important thing to keep in mind about Payoneer, is that you can’t apply for a card on your own. The fact is, if you browse the Payoneer website you won’t find an application form anywhere. This is because they do not interact with “individuals”.

To be able to access the application form, you need to be referred by a Payoneer partner, a sort of endorsement if you want.

Payoneer has partnered with many online businesses to offer them the possibility to make mass payouts easier, faster and more convenient for them and those who will receive them. If you are not already making money from one of Payoneer’s many partners, you will have to start by signing up with one of them.

We provide a complete list of Payoneer partners for you to choose from but we advise you to use the ones we recommend in our step by step Payoneer card application tutorial.

Once you have managed to apply for your card, you will have to wait for your application to be reviewed and accepted (or rejected). The review process usually takes no more than a week and you should receive an email informing you that you application has been approved both from Payoneer and the partner you went through to apply. The email will also inform you that your card has been sent to you by regular mail.

Depending on where you live on the globe, you might have to wait for your card to arrive for several weeks. Of course if you live in the US, it will be much faster.

Once you receive your card, the next steps are to activate the card and load money on it before you can start using it.

 
Do you qualify for a Payoneer card?
  

Because you need to go through a Payoneer partner to apply for a card, an implicit requirement is that you have to have an (online) activity that generates money. For example, if you are a computer programmer, you could sign up with a freelancing service to earn money and if you have a popular website or blog, you could sell links and reviews and get paid for that…

This is quite obvious because Payoneer has no interest in people that do not earn anything because they would never be able to load money on their card and pay the fees. However, you shouldn’t worry much about that as there are so many ways to make money online (and so many partners) that you will ultimately find something that suits your skills.

Unlike most Payment solutions, Payoneer is available to almost anyone from any country on the globe. YES, you read it right, anyone from any country can have a Payoneer MasterCard card. The only countries that are currently excluded are Iran, Syria and North Korea for obvious political reasons.

This universal availability is a major advantage for Payoneer over its competitors like Paypal that are restricting access to a few countries thus excluding thousands of online workers from around the world (India, Pakistan, Malaysia, Africa…).

The last thing you have to look at when considering Payoneer, is age. If you are over 18 years old, you can qualify for the program with no restrictions. If your age is between 13 and 18 years, you will have to be authorized by your parents to be able to apply for the card.

That’s about all! As you can see, it is quite easy to access the system.

Now that you see that you can qualify for a Prepaid Payoneer MasterCard card, you can follow our step by step application tutorial to get you started within minutes.

 

 
How to activate your Payoneer card?
 

Activating a new Payoneer card is extremely easy. When you receive your
card in your mailbox (a letter containing the card), go ahead and open it.

You will see something like this:

 

The first step is to log in to your Payoneer web account here using your username/email (usually the email you used to apply for the card), your password and the four digit captcha displayed on the page (that prevents from automated attempts of hacking your account).

Wait a few seconds for the page to load and you will see a message telling you

“Your card has not been activated yet. Click here to activate your card”

Go ahead and click that link!

The next page you will see looks like the following picture:


Enter the card number so that Payoneer can verify you have received the card and then choose a 4 digits PIN code for your card (enter it twice). Make sure you don’t forget that PIN because you will need it if you want to use your card in ATMs and stores (not needed on the Web).

Press the “Activate” button to activate your card.

If you have made no mistakes in the numbers, you will see a new page telling you that your activation has been successful.

 

You can now start using your card !

Payoneer application tutorial?
 

Before you apply for a Payoneer Prepaid MasterCard Card, we strongly recommend that you make sure you do qualify for such card.

Now that you know that you are eligible, the first thing you need to do is choose a partner through which you will apply. This is probably the most important part of the process as it goes down to choosing the revenue stream that will supply your card with money. Ideally, you could already be working with a Payoneer partner, but if you are not, it just takes a few steps to sign up with one of them.

Depending on your skills, here are three partners we recommend:
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Text-Links-Ads: TLA is basically a marketplace for blogmasters and webmasters to sell links on their websites or blogs. If you have a blog/website, this is in my opinion the best place to start.

GetAFreelancer : GAF offers you the possibility to work as a freelancer. To earn money, you need to complete jobs such as computer programming, design or even simple admin work like data entry which requires very little qualification. We recommend signing up with GAF from here.

2CheckOut: Is a payment processing service that lets you sell goods and services on the Internet, if you are an online merchant or a service provider, this is the best choice for you.

=======================
With those three options, most cases are covered. However, if you need more choice, you may take a look at our extended list of Payoneer partners.

Now let’s assume that you choose to go through TLA (MediaWhiz). After you sing up with them using (one of) your website(s), you will have to install the code they provide in order for them to start selling links on your site. It will take a few days and sometimes weeks for you to make your first sale.

Anyway, once you start making money from TLA, log in to your account anc click “Edit Account”. The page that will show up will offer you the possibility to update your personal info alongside with other things amongst which the payment option.

The first thing to check is that all your personal data is accurate and real. Then scroll down till you see this option “*Would you prefer to be paid via check, payoneer or paypal?”. You are now able to choose “Payoneer” by selecting it from the list. All you need to do now is update your data by clicking the “Update Account” button.

You will then be redirected to a pre application page where you will have some info on the advantages of Payoneer. The next step is to click the button “Apply” at the end of the page so that you are redirected to the application form on the Payoneer website.

Fill in the form with the infos you are asked and make sure everything is accurate and coherent with what you entered in the TLA website. Send the form.

Shorlty after the application process is complete, an email will be sent to the adress you provided informing you that your order has been received. They will also tell you that once it is approved, you will receive a confirmation email and the card will be mailed within 2 business days. You will also be reminded of your username so that you can access your online account.

The approval process can take up to two weeks. Then it takes the bank 2 to 3 business days to make the card.

That’s about all you need to do before you start waiting for the approval confirmation email and the card to arrive.


How to reduce your Payoneer costs?
 

1. Optimize the loading process

First, If you don’t need frequent money entries, it is best not to load your card too often with small amounts as the fee is the same no matter how much money you receive.

Let’s say that you make $100 monthly, if you load that amount into your card every month, you will be charged at least $2 each time, which means a total of $24 per year for $1200, that’s a 2% charge. In the contrary, if you choose to receive your money on a quarterly basis, your costs will be $8 for the same total amount per year making it a nice 0.66% charge, nothing less than $16 in easy savings!

Second thing is to always ask yourself, do I really need the money right now to opt for the express loading? Keeping in mind that this option will cost you $3 more than the standard one, you shouldn’t use it unless you are in a very pressing need of money.

2. Optimize the spending process

Avoid ATM withdrawals, especially for small amounts. The fact is, in addition to the risk of seeing your request declined and paying for nothing, withdrawing money from ATMs is the most expensive way to use the card. An ATM withdrawal will cost you $1.35/2.15 for any amount plus up to 3% of the transaction. This is why you should try and purchase goods with your card rather than withdraw money you will later use to buy the same goods and services.

Also, try to use your Payoneer card only when making purchases in Dollars (inside the US). If you are an international customer, you can still apply this rule as most online businesses that charge you in Dollars will be considered as US purchases thus costing you nothing. For local purchases, use your local card.

Now, if you are in need of hard cash, don’t withdraw small amounts each time you need money, save the on the fixed fee by withrawing a consequent amount once and for all.

These are just some of the ways you can optimize the costs attached to using the Payoneer Prepaid MasterCard Card. What you should also keep in mind is that as the card becomes more popular and widely used, competition will show up pushing Payoneer to reduce some of its fees.

Payoneer fees?
 

Like any payment solution, Payoneer is fee based. We strongly advice anyone interested in that product to take a close look at the costs that are involved before making a final decision.

Here is a list of the fees you will be charged depending on usage of the card and some events:

1. The card
Card activation*:
Within US: $10
Outside US: $20
Getting a replacement card*:
Within US: $10
Outside US: $20
Monthly account maintenance: $3
*Depending on the partner you went through to apply for your card, you may have different fees as some partners choose to subsidize some fees.

2. Getting money
ATM Cash withdrawal:
Within US: $1.35
Outside US: $2.15 + up to 3% of transaction amount
ATM withdrawal declined: $0.90
3. Loading your card
Card loading from a VISA/MasterCard card: 3.5% of loaded amount
Transfer from a checking or a savings account: $5 for first transaction, then $2
Receiving a payment from your partner (card loading):
$2 for regular loading, takes about 5 days to become available in your card balance
$5 for express loading, takes about 2 hours to become availble in your card balance
4. Using the card
Purchase Transaction:
Within US: Free
Outside US: Up to 3% of transaction amount
You might have noticed that using your card outisde of the US will cost you much more than if you used in the United States, this is quite normal as the card is issued by a US bank which means that international transaction cost them more.

In addition, pricing may vary from a partner to another as some partners may have negotiated some advantages for their customers. As an example, using some cards 5+ times per month will make your monthly maintenance fee go down to $1.

All that being said, one has to admit that the fees you will be charged for using Payoneer Prepaid MasterCard Cards remain reasonable when compared to the competition’s. However, this fact shouldn’t keep you from seeking optimization when using your card, you may then want to read through our suggestions to help you optimize your Payonneer costs.

How to receive money through Payoneer??
 

There are many different ways you can load money into your Payoneer account/card. In this article, we will be explaining the process of receiving money from a Payoneer partner (the one you work for/with).

The process is quite simple and flawless. First, you receive and email into your mailbox informing you that you have received money from the partner.

When you open the email, you will read something like:

“Dear …………….,

Good News!

xxx has sent $xx.xx towards your account.”

The email will also state that in order to receive the money, you have to choose a loading option and verify your details by clicking on the button that reads “Continue“.

Go ahead and click that button so that you are redirected to the load options page. If for some reason the button doesn’t work properly, you can still copy/paste the link provided in the mail into your browser.

Here is what you will see in your browser:


Payoneer money loading options

As you can see, the page offers you to choose between the standard load and the immediate load. When you are done choosing, click the “Load” button located near the bottom of the page.

You will then be shown a confirmation page. You can still change your mind and opt for an immediate load if you have chosen the standard option.


Payoneer money loading confirmation

You can also choose to always receive your money immediately. Of couse, given the high fee you will be charged for that, this is not something we would recommend.

That’s all you need to do before you start waiting for the money to become available into your card.

Three business days after (or two hours if you have choosen the immediate load), you will receive an email informing you that your card has been loaded.

You will probably want to log in to your account to check your balance and see how much money you have been charged for the transaction. Don’t be surprised if you see an overcharge of $3, that’s the cost of the monthly maintenance fee. For more details on the fees involved with Payoneer, you may want to take a look at this article.

Payoneer partners?
 

Because getting a payoneer card requires going through a Payoneer Partner, we have listed below some of the ones we have been able to identify. If you know of any other ones, please do let us know by commenting on this page so we can complete the list.


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Freelancing
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GetAFreelancer
uTest
oDesk
ScriptLance
Elance

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Payment processing
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2CheckOut
Plimus
FastSpring

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Advertising
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MediaWhiz
Bux.to
Copeac

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Others
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FreedomRocks
GPA40
iStockPhoto
Fluc
Zizbiz

How to get your Payoneer card?
 

The most important thing to keep in mind about Payoneer, is that you can’t apply for a card on your own. The fact is, if you browse the Payoneer website you won’t find an application form anywhere. This is because they do not interact with “individuals”.

To be able to access the application form, you need to be referred by a Payoneer partner, a sort of endorsement if you want.

Payoneer has partnered with many online businesses to offer them the possibility to make mass payouts easier, faster and more convenient for them and those who will receive them. If you are not already making money from one of Payoneer’s many partners, you will have to start by signing up with one of them.

We provide a complete list of Payoneer partners for you to choose from but we advise you to use the ones we recommend in our step by step Payoneer card application tutorial.

Once you have managed to apply for your card, you will have to wait for your application to be reviewed and accepted (or rejected). The review process usually takes no more than a week and you should receive an email informing you that you application has been approved both from Payoneer and the partner you went through to apply. The email will also inform you that your card has been sent to you by regular mail.

Depending on where you live on the globe, you might have to wait for your card to arrive for several weeks. Of course if you live in the US, it will be much faster.

Once you receive your card, the next steps are to activate the card and load money on it before you can start using it.

 thank you www.ipayoneer.com