Payoneer Fee Calculator
Receiving fee plus the conversion spread.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Total Payoneer cost
$148.20
4.94% of the amount received
The conversion spread is $58.20 against $90.00 of receiving fee — for marketplace payouts it is usually the larger cost by a wide margin. Holding a local receiving account in the currency you are paid in avoids it entirely.
How the Payoneer Fee Calculator works
Payoneer's cost splits in two: what it charges to receive, which depends entirely on the funding source, and what it takes on conversion, which is where most of the money actually goes. Receiving a marketplace payout into a local receiving account is close to free; converting it is not.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does Payoneer charge?
Around 3% for credit card payments received, around 1% for bank transfers, and typically nothing for marketplace payouts into a local receiving account. Currency conversion adds a spread of roughly 2%.
How do I avoid the conversion spread?
Hold and spend in the currency you were paid in, or withdraw to a local bank account in that same currency. The spread only applies when you actually convert.
Is Payoneer cheaper than a bank?
For receiving marketplace payouts, usually yes — banks charge for incoming international wires and convert at poor rates. For pure currency conversion, dedicated services generally beat it.
What is a local receiving account?
Bank details in the customer's country that let a marketplace pay you as a domestic transfer. It avoids international wire fees entirely, which is the main reason cross-border sellers use these services.