Pay business expenses with a Payoneer card

Our cards are available in USD, EUR, GBP, and CAD with global acceptance powered by Mastercard®. Use your card to save time, save on conversion fees, and earn while you spend directly from your Payoneer balance – it’s the smart way to pay.

Payoneer Card

Smart payments,
effortless savings

Discover how Payoneer card streamlines your global business expenses and helps you save on fees along the way.

payoneer video poster

Spend on your terms

Stop withdrawing money to your bank account just to pay expenses. Instead, save on withdrawal fees and spend the funds you earn directly from your Payoneer balance.

Get accepted anywhere

Pay for ads, subscriptions, inventory, cloud services, and more, wherever Mastercard® is accepted.

Get international

With cards connected to your USD, EUR, GBP, and CAD balances, you can spend those currencies with ease.

Get saving

Save on bank withdrawal fees and conversion fees with fee-free* purchases online or in stores in USD, EUR, GBP, or CAD.


Get rewards

Eligible cards will earn cashback rewards directly into your Payoneer account when paying any business expense, without limitation.

There are even more benefits

No waiting around

With no need for credit checks, our speedy approval process will ensure you receive your physical card fast.
If you can’t wait, order a virtual card to start paying even faster.

no waiting around

Increased spending limits

We want to help you grow your business, so you’ll receive a daily spending limit of up to 200,000 USD,
with no monthly maximum (subject to approval).

increased spending limits

Multiple cards for different expenses

You can order multiple virtual cards for every currency, so you can keep your bills, or multiple business lines, separate.

multiple cards

Keep your business organized

Track all your expenses, instantly

Use your card and the details will appear next to the other transactions in your Payoneer account, so you can see it all,
at a glance.

Stay stocked up, always

Those high spending limits we mentioned ensure that you’re always ready to seize an opportunity for your business.

You’re in accounting heaven

All your payments, including card transactions, can be automatically synced up with Xero or Quickbooks Online, for easy reconciliation.

Hear from our customers

See what other freelancers and businesses are saying about partnering with Payoneer.

ecomdy media logo

Ecomdy Media

“The Payoneer Commercial Mastercard® is a reliable and convenient way to pay for TikTok ads. We have dozens of virtual cards to streamline our expenses. We can spend in USD, EUR and GBP using our Payoneer balance and greatly save on conversion fees.”

shenzen technology logo

Shenzhen Technology Co Ltd

“Payoneer’s Commercial Mastercard® is amazing. Not only is it easy to use, but its convenience has helped my cross-border business tremendously.”

We’re here to help

If you have any questions about how a Payoneer card can help you with your business finances, we’re ready to help in 22+ languages.

Get online support

How-to videos and guides

Payoneer Community

Depending on your eligibility Payoneer may offer you with the Payoneer Business Premium Debit Mastercard® issued by Payoneer Europe Limited under a license by Mastercard, or the Corporate Purchasing Mastercard issued by First Century Bank, N.A., pursuant to license by Mastercard and provided to you by Payoneer Inc. Availability for Payoneer services / products and any feature/benefit thereunder (including with respect to any Payoneer card) is subject to eligibility and Payoneer’s policies and procedures in place from time to time. Not all services/products may be available to all territories in the same way. In Hong Kong the Payoneer Business Premium Debit Mastercard® can only be used by you for cross border transactions, with merchants outside of Hong Kong (whether online or via point-of-sale terminals) and it cannot be used (a) at ATMs in Hong Kong and (b) for transactions in Hong Kong Dollars

Get started now

Ready to open your own Payoneer account? Just give us a few details and we’ll find the right type of account for you.

Frequently asked questions

You can view the list of fees associated with your Payoneer card in your Payoneer account

In addition, you can view the general card fees on the Payoneer fees page under The Payoneer card section. 

All fees are automatically charged from your account. If the remaining funds are insufficient, the fee will be partially charged, and any remaining charges will be considered as pending debt and will be charged once more funds are loaded into the account. 

Note: If you are receiving payments from a Payoneer mass payout company, your fees may vary depending on our agreement with them. 

In many countries, Payoneer offers express shipping services via FedEx and/or DHL

Within the US: 

  • US Premium FedEx Delivery at a cost of 40 USD (Overall shipping time is generally 4-5 business days*) 

Outside the US: 

  • DHL express shipping at a cost of 40 USD (Overall shipping time is generally 4-7 business days*) 

*Actual shipping times may vary depending on FedEx/DHL service availability. 

If you are ordering your first card under a specific balance, and have sufficient funds in your Payoneer account, you will have the option to order your card via express shipping. 

To order a card from your Payoneer account via express shipping: 

  1. Sign in to Payoneer. 
  1. Select Bank and cards. 
  1. Click on Payoneer cards. 
  1. Click Order now
  1. Select a physical card, choose your currency, and verify your shipping address
  1. Under Shipping method, select Express shipping
  1. Click on Order card

To ensure that FedEx/DHL can contact you to schedule delivery, please make sure to confirm your phone number by selecting Profile settings under the Settings menu in your online account and update your number if it’s no longer valid. 

Note: You must have sufficient funds in your Payoneer account to cover the express shipping cost. 

If you need further assistance ordering a card via express shipping, please contact us with your shipping address in the following format: 

  • Street address line 1 (limit to 40 characters): 
  • Street address line 2 (limit to 40 characters): 
  • City/State: 
  • Country: 
  • Postal/ZIP code: 

To check whether you are eligible for a Payoneer Card: 

  1. Sign in to Payoneer. 
  1. Select Bank and cards. 
  1. If you are eligible for a Payoneer Card, you’ll see a Payoneer cards option. 
  1. Click Payoneer cards. 
  • If you see a message inviting you to Order now, you are eligible to order right away. 
  • If you are not eligible to order now, a message describing the eligibility requirement is displayed. 

Note: Eligibility is based on a minimum of 100 USD in payments received to your Payoneer account in the last 6 months. 

Please note that due to changes in local regulations, Payoneer can no longer issue and support cards for customers with a postal or actual address in the Russian Federation and India. 

If you are eligible for a Payoneer Card, the Order card option will also be displayed in your Payoneer home page in the Balances section. 

The Payoneer card is a physical or virtual business credit card that you can associate with the USD, EUR, GBP, or CAD balances in your Payoneer account. The virtual card can be used to purchase online, and the physical card can be also used in stores and ATMs anywhere Mastercard® is accepted. Virtual cards in digital wallets can also be used where supported.

To order a card, you must have a Payoneer account and receive a minimum of 100 USD or equivalent to qualify.

Learn more about our eligibility criteria.

Learn more about how to order a Payoneer card.