Payoneer Fee Calculator — Calculate Payoneer Transfer Fees [2026]
Calculate Payoneer receiving fees by payment method: e-check 1%, credit card 3%, PayPal 2%. See net payout instantly. Free online Payoneer fee estimator.
Enter the gross payment amount your client is sending.
How your client is funding the Payoneer payment.
Fee Breakdown
All Payment Methods Compared
| Payment Method | Fee Rate | Fee Amount | Net Payout |
|---|---|---|---|
| E-Check / ACH Bank Transfer(selected) | 1% | − $10.00 | $990.00 |
| Credit Card | 3% | − $30.00 | $970.00 |
| PayPal | 2% | − $20.00 | $980.00 |
| Payoneer-to-Payoneer | 0% | $0.00 | $1,000.00 |
Tip: To receive $1,000.00 exactly, ask your client to send $1,010.10 via E-Check / ACH Bank Transfer. Payoneer will deduct the 1% fee and you will receive your target amount.
Fees shown are for receiving payments into a Payoneer account. Additional fees may apply for currency conversion (typically 2% above mid-market rate) and bank withdrawals ($1.50 per withdrawal in most regions). Always verify current rates on payoneer.com.
What is Payoneer Fee Calculator?
How to Use Payoneer Fee Calculator
Enter the payment amount and select the payment method your client uses (e-check/ACH, credit card, or PayPal). The calculator instantly shows the Payoneer fee amount, your net payout, and the effective fee rate. Compare all three payment methods side by side to help clients choose the cheapest option.
How Payoneer Fee Calculator Works
Common Use Cases
- Calculating net payout before requesting a payment from a client via Payoneer
- Advising clients on the cheapest payment method to minimize fees
- Comparing Payoneer fees across different payment sources for monthly income planning
- Estimating annual Payoneer costs for a freelance business budget
- Deciding whether to use Payoneer, PayPal, or Wise for receiving international payments
Frequently Asked Questions
How much does Payoneer charge to receive payments?▼
Payoneer charges 1% for e-check/ACH payments, 3% for credit card payments, and 2% for PayPal transfers. For a $1,000 payment via e-check, the fee is $10 and you receive $990.
Is it free to receive payments on Payoneer?▼
Payoneer-to-Payoneer transfers between accounts are free. However, receiving payments from external sources like credit cards, e-checks, or PayPal incurs fees of 1–3% depending on the payment method.
What is the cheapest way to receive payment on Payoneer?▼
E-check (ACH) payments are the cheapest option at 1% fee. If both parties have Payoneer accounts, transfers between Payoneer accounts are free. Credit card payments are the most expensive at 3%.
How does Payoneer compare to PayPal for receiving freelance payments?▼
Payoneer's fees (1–3%) are often lower than PayPal's standard rate (3.49% + $0.49 for Goods & Services). For large international payments, Payoneer also often offers better exchange rates than PayPal. However, PayPal has wider acceptance globally.
Does Payoneer charge for withdrawing to a bank account?▼
Payoneer charges $1.50 per withdrawal to a local bank account. Some regions may have different withdrawal fees. There is no withdrawal fee for Payoneer Mastercards, though ATM fees may apply. Always check the current rates on the Payoneer website.
Are Payoneer fees the same for all countries?▼
The base receiving fee rates (1% for e-check, 3% for credit card, 2% for PayPal) are standard globally, but currency conversion fees may apply for cross-currency payments. Payoneer typically charges 2% above the mid-market exchange rate for currency conversions.
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