Spend the Payoneer balance without a bank hop

Eligible customers request a physical or virtual Payoneer card after Payoneer login. Use it where Mastercard is accepted — ads, inventory, travel, ATMs.

Physical + virtual

Extra virtual cards can split ads vs inventory. Replacement fees are listed on fees.

Purchase fees

Same-currency spend can be low or free for eligible merchants. Conversion purchases run higher — up to about 3.5%.

ATM cash

Cash-out adds a fixed ATM fee plus a percent. Check the live schedule after sign in.

Team reviewing Payoneer card spend on ads after a Payoneer payout

Typical card jobs

Amazon, Google, and Meta ads billed to the Payoneer Mastercard
Supplier invoices that only take cards
ATM cash when a local bank withdraw is slower

Daily spend caps can be high for approved commercial cards. Freeze or replace the card inside the Payoneer app.

Request the card in the account

Eligibility is decided on payoneer.com. Open Payoneer login, then Cards. Annual card fees are summarized on Payoneer fees.