Payoneer: get to know the international card for worldwide payments

Do you want freedom without having to rely on a traditional bank?

If you work with international clients, provide digital services or sell products abroad, you know how difficult it is to find a simple and secure way of receiving payments in dollars or euros without getting bogged down in fees and bureaucracy. That's where international Payoneer cardThe solution is designed for those who need to receive money from all over the world and use it in Brazil - without the hassle.

What is Payoneer?

Payoneer is a global payment company that allows professionals and companies to receive money from other countries simply, quickly and securely. With it, you can open a free multi-currency account and use a international prepaid card, accepted worldwide.

The platform is already used by freelancers, e-commerces, influencers, content creators, developers, designers, translators and anyone who receives payments from abroad. It's even one of the favorites of those who work with marketplaces like Amazon, Upwork, Fiverr and Etsy.

The Payoneer card: how does it work?

The Payoneer card is a international MastercardIt is linked to your digital account. It works like a prepaid card: you only spend the amount you have available in your account. Simple and with no risk of going over your limit.

You can use the card at:

• Physical or online shopping, anywhere in the world
• International and national ATM withdrawals
• Subscriptions to services such as Netflix, Spotify, Adobe, etc.

What's more, the card can be used at any store or website that accepts Mastercard, and comes with all the expected security protections - app blocking, real-time spending tracking, and global support.

Who can use Payoneer?

Anyone who needs receive international payments can use the platform. You don't need to have an open company or be an MEI. The account can be created as an individual, and the process is 100% online.

Ideal for

• Freelancers who work with outside clients
• Influencers who receive from foreign platforms
• E-commerces selling on international marketplaces
• Digital service providers
• Agencies and small businesses with clients abroad

Basically, if you are paid in dollars, euros or other currencies and want to convert or use this amount in Brazil, Payoneer resolves.

How does receiving money work?

Payoneer offers local accounts in different currencies (USD, EUR, GBP, among others). This means that when you create your account, you receive bank details as if you had accounts with banks in the USA, Europe and the UK.

This way, your international customers can pay you as if you were a local resident. This greatly simplifies the process and avoids those absurd wire transfer or intermediary fees.

Once the money lands in your Payoneer account, you can:

• Transfer to a bank account in Brazil
• Use your Payoneer card for purchases or withdrawals
• Keep the balance in dollars for future payments

What are the fees?

Payoneer no monthly fee no account opening fee. Fees only appear when you move money, and even then they are very transparent:

• Receipts from partner platforms (e.g. Fiverr, Upwork, Airbnb): zero rate
• Receipt by billing service: around 3%
• ATM withdrawal: around 3.15 USD per withdrawal
• Currency conversion (to reais, for example): average variation of 2% to 3.5% on the commercial exchange rate

The card also has an annual maintenance feewhich is around 30 USD. But this amount is only charged if you actually apply for the physical card - just using the digital account remains free.

How do I apply for a card?

Once you have created your Payoneer account and started receiving payments, you can request the physical card directly from the user panel. It will be sent to your address in Brazil at no additional shipping cost.

1. Access account panel
2. Go to the "Payoneer Card" section
3. Request a physical card
4. Confirm your address
5. Wait for the delivery time (usually 2 to 4 weeks)

You can also generate a virtual card before that, which can already be used for online purchases.

Does the money come in quickly?

Yes. One of Payoneer's strengths is speed. Payments made by partner platforms (such as Amazon, Fiverr, Wish, etc.) go into 1 to 2 working days. Direct collections can take up to 5 working days depending on the shipping method.

And as soon as the balance is available, you can use it immediately with the card. No waiting for days to "compensate", as is the case with many banks.

Can I use the card in Brazil?

The card is accepted in stores, pharmacies, restaurants, gas stations, e-commerces and anywhere that accepts Mastercard. You can even pay for lunch or an Uber ride.

And if you want, you can transfer the balance to your bank account in Brazil - directly through the app or website, with the conversion done automatically.

Security and support

Payoneer is a global company, registered in the USA and present in over 200 countries. The system is protected with encryption, two-step authentication and has a support team available in Portuguese.

You can track everything through the app, block/unblock the card with one touch and even receive e-mail and SMS alerts for each transaction.

Is it worth it?

If you work in the international market, the Payoneer card it's almost obligatory. It solves the problem of receiving foreign currency, gives you financial control in the palm of your hand and gives you the freedom to use your money wherever and whenever you want.

The account is simple to open, the card works very well in Brazil and abroad, and the support is reliable. It's an essential tool for anyone who wants to professionalize international payments and get away from relying on limited platforms or banks full of fees.

So yes - it's well worth it. And the best part: no hassle, no bureaucracy and total freedom to move what's yours.

See also: Top 10 financial apps to keep track of your finances

May 21st, 2025