One Size Fits All (A-Z) Tutorial on Payoneer for Bloggers [Updated]

Need a full tutorial on how Payoneer Works? Well, Congrats on arriving at this post because you are going to learn from A-Z how Payoneer Account really works.

Sometimes I get tired when searching google for an information and at the end of the day, I get little or incomplete information about how what am searching for really works.

You’d also agree with me that “An incomplete information is not worth reading at all“.

That’s why I have decided to create this full guide on to enable you know the ins and outs of Payoneer Account to your blogging success.

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Why I spent Much Time on this Guide

You definitely won’t see this kind of tutorial anywhere else on the internet except this blog. I want to make sure you avoid the mistakes, get the tips and tricks and lots more out of your Payoneer Account.

What Do I want from you?

I need your full attention only, believe me, am not going to sell anything to you all would be for free as far as you are reading this post here.

What is Payoneer?

Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, cross-border payments. Additionally, thousands of leading corporations including Google, Airbnb, Elance-oDesk and Getty Images rely on Payoneer’s mass payout services.

– Source: Payoneer About

Now the description of payoneer above is just about what they do. In short, and relating to bloggers, payoneer enables you receive your blog earnings from Adnetworks like Google Adsense and lots More.

Payoneer has made it easier to receive your earnings especially for countries who are not being provided with paypal service at the moment.

Earning from your blog takes time, and so cashing out should be very easy with the help of Payoneer

With the Trust Payoneer has brought into the marketing industry, affiliate programs now deem it necessary to add them to their payment methods.

Payoneer Company Details

Founded: 2005

Contact/Customer Service:

Employees: 501 – 1k | 4 in Crunchbase

Is Payoneer Safe to use?

The big truth must be told, making payments internationally could stir up worries about whether your money would be safe or not. But the same is not true with payoneer as they have gained trust over the years of operation.

So Payoneer is very safe for your transactions, in fact, as said earlier many affiliate programs and freelance companies rely on Payoneer for smooth running of payments.

Payoneer Free or Not?

Payoneer has been offering free mastercard for applicants of some selected countries. You can use this card to withdraw from your local ATM.

I’ve been asked this question many a time “Does payoneer offer mastercard to indian users? The Answer is No for Now.

Indians can only get the account, while they send their funds to local bank accounts for cashing out or use to purchase products online.

While you now know few details on how payoneer works, if safe or not. Your next question should be how you can get one.

But Before then, Payoneer just updated their registration procedures and now its not like before when you register and get your card sent immediately after few days.

No Problems Though!

Keep Reading;

How to Apply for Payoneer Account: 2017 Registration Procedures.

Just like I said earlier, payoneer updated their registration procedure so, if you are still following the old method of application, you may get things wrong. You need to follow the tutorial in this post.

What do you need to Apply for Payoneer?

  1. A responsive browser: Chrome or Firefox is recommended (Not Opera Mini browser especially if you are registering from Mobile)
  2. A Working email address
  3. A valid Identity Card e.g. National ID card (Paper or Card for Nigerians), Drivers License and Voters Card.
  4. Patience (Required)

Step #1:

Visit Payoneer Registration Page here  and click on the button that says “Signup and Earn $25” as seen below screenshot. I would explain the $25 later on this post.

How to apply for payoneer mastercard (signup and earn page)Step #2

Upon clicking on the Signup and Earn $25 button you would be directed to a new page. This new page is where you need to enter your details. Make sure you enter them correctly in order to avoid errors later on.

Select Individual as account type or Business. This solely depends on who is using it.

I personally would select Individual.

Fill in your details and click on Next.

Below screenshot should get you going.

Step #3

On clicking the above Next, you would be taken to a new page, here you are required to put in your contact details e.g. Your Country, State, Phone Number, etc.  Check below screenshot for more;

Click on the small arrow next to country to select the country where you reside in; that is where they would deliver your card.

Enter other details such as your street address, City, etc. Make sure you input a clear address so you don’t get your card delayed.

Finally Click Next and proceed to the next page. Below is a screenshot to guide you.

Step #4

Now you need to enter your password and security question. Make sure your password starts with Uppercase (Capital) and is mixed with Number and symbols e.g. Keyword123*$

Click on the arrow and select your security question. Something you can remember later. Then click NextPayoneer Signup third page

Step #5

This step is where you would input your Identity Card Details. Click on the drop down arrow and select the card you have. Put in the ID No.

Note: Make sure you use a card that you would have access to; This is because as time goes on, they might want to verify your Identity and the Identity Card you used to apply would be needed.

If you use a wrong card, you may not be able to withdraw later, so here is very important.

Tick the three boxes to agree to their terms and conditions as seen below;

payoneer signup fourth pageStep #6 [Last Step]

This is the last step. Here you need to enter your Local Bank Account Details.

But Wait, Why is Payoneer adding an Option for putting your Local Bank Details?

The benefit of applying with bank account details is that if for any reason you do not have access to your card, the default option for accessing your pay would be to withdraw the funds to your local bank.

So Cool right?

Payoneer’s focus is to provide access to your pay at any time without restricting you to the card only.

Fill in your correct Bank Account Details such as Bank Name, Account Number etc.. in the required fields.

In case you don’t know your swift code, you could follow this link to get it or ask your bank about it. (recommended)

You need to make sure it’s correct.

Now enter the details as seen in the screenshot below

Finally Click Next. You would be welcomed to the last page with a congrats.

Payoneer would review your application and send an approval message via your email.

How to Apply for Prepaid Mastercard from Payoneer after Registration

Now that your account has been approved, you may want to get your prepaid card but before then you need to have some funds approximately $30 in your account.

How to Fund your Payoneer Account

There are two options

  1. You either get paid from affiliate programs, freelance companies etc to your payoneer account or
  2. Ask a friend who also use payoneer account to send you some funds

Then you can order your card. Meanwhile, you can withdraw all funds to your local bank accounts.

Activating your Payoneer Card

This is a very simple step. When you have gotten your card, you need to Select the card you would like to activate from the drop down menu at the top of the page and hit the activate button.

Fill in your card details

  • Enter your 16-digit card number
  • Select a 4-digit number for your personal PIN code.
    This is the pin you would use in withdrawing from ATM
  • Re-enter your personal PIN code and click activate.

That’s all for the activation.

How to Withdraw from Payoneer to Bank (Your Local Bank Account really)

First Add your bank account to Payoneer: How to do it?

Its way very simple with the new application procedure because you are allowed to add the bank details even before finishing application.

However if you wish to withdraw with your old application you can still do it. follow the procedures below.

1. Log in to your Payoneer account.
2. From the menu, go to Withdraw (at the Top right)  and then To Bank Account.
•     If you have not yet connected a bank account, you will be automatically redirected to a page for doing so.
•    If your bank account is pending approval, you will be redirected to a Pending Approval page.
3. Choose the currency balance or card you want to withdraw from.
4. Choose the bank account you want to withdraw funds to.
5. Enter the amount you want to withdraw.
6. If you would like, enter a description for your records and click Review.
7. Review the details you entered and confirm the withdrawal.

Have more questions with the Withdrawal service, you can read this blog post on Payoneer Website.

How to Make Money with Payoneer

To Make money with your Payoneer Account you have several options and two are:

  1. Through Adnetworks
  2. Through Payoneer Partners (Freelancing)

How to Make Money with Payoneer through Adnetworks

Do you know the ads network you are suppose to sign up for that pays with Payoneer and allow you to cash out easily?

Top Ads Network that Pays via Payoneer

Infolinks: Monetize your text with infolinks, they are paying twice a month when your earning is above $49. Monetize your content, your background, and even your referral traffic. Shorten links to share on the internet. Get paid $1 to $5 per thousand views. Get paid through PayPal at the minimum of $1 and $10 through Payoneer Prepaid MasterCard! Daily payment for 1-month old users and previously paid users; Monthly payment for general publishers.
You Get Paid through Payoneer when you reach a minimum of $15
ShareCash: This is a Pay Per Download File. You get $1 for eacg download, the minimum Payout through Payoneer Debit Card is $20. You can refer your friends to earn more.
Assurance from the network team:
“With Thousands of exclusive surveys paying up to $20 and covering over 200 countries, in addition to our self-optimizing algorithm that automatically chooses the best surveys for you, we’ll monetize your downloads to the fullest extent possible.
SeoClerks: Seoclerks is a micro jobs site paying via Payoneer.
You Make money online completing micro tasks and get paid through Payoneer, Paypal, Western Union, etc…  here is an  seoclerks review to get you started.
They pay into your free Payoneer Account when your account balance reaches $20. Earn 20% from your referred members and start completing tasks to get paid from $1 to $250 per task.
Adbooth : Adbooth is an ad network split into a cost per mile and a cost per action network. It is one of the internet money making program where you can cash out your earning via Payoneer.

Make Money from Payoneer Partners

When you hear of Payoneer Partners, it has to deal with websites that has Payoneer Bank Account as it’s payment method.
Most of the sites am going to list below would be more on freelancing!
Ever heard of the term freelancing? you must have heard of a Freelancer!
A Freelancer is anyone who dedicates his/her time to earning a living through working online e.g. as a writer, designer, and or selling work or services hourly, daily etc.. rather than working on a regular salary basis for one employer or the other. 
Below are a list of available well paying freelancing sites where you can work and withdraw payment directly into your Payoneer Account.


You Sell your micro freelance services through Fiverr. It is like SeoClerks. You list your services when an employer hire you to complete such services. They pay you through Payoneer at $20 minimum after you complete the job and have your funds cleared. is one of the world’s largest freelancing, outsourcing and crowd sourcing marketplace by number of users and projects.
On employers hire capable freelancers to do some jobs such as Designing of websites, Articles Writing, Web Development and lots more.
Just like Fiverr, you register and list your area of expertise, when employers pick interest in you. They hire you.


Upwork is another Payoneer Partner site. It’s also a freelancing site just like Fiverr. It’s a marketplace where you can make money and withdraw through Payoneer at $20 minimum payment threshold.
When signing up, make sure you choose Become a freelancer.  So you do not end up signing up as a client because you have two options to chose from.

This is also a freelancing site where you signup, they hire you and give you a job to do such as web development and programming, design and art, writing, sales and marketing, business, finance, legal and more. Then they pay to your Payoneer Account when you complete the job just like others.
Now you know how to make money with your Payoneer Account.
Keep Reading

How to send money to Payoneer via Paypal

 I have heard of complaints from some fellows that they were not able to link their Payoneer to their PayPal Account for withdrawing their paypal funds, meanwhile this was as a result of them doing it the wrong way!

Follow the below Steps Carefully to send money to your payoneer account via paypal

1. Login to your PayPal Account: Now this is where some make mistakes. You are not supposed to click on the Link a Card Instead Click on Add a Bank Account as seen in the screenshot below:

payoneer add card to paypal

2. Now in the next dialogue, you would be provided with where you would Add your Payoneer Account Details as show in the below screenshot:

3. To get all this details, login to your Payoneer Account, and click on Receive >> Global Payment Service to get your Payoneer Account Details.

4. Now your Payoneer Account Details would be displayed i.e. If you want to receive payments to your Payoneer Account from any Company that accepts Payoneer, that’s what you’re going to give them. Just like screenshot below

5. So you now have Your Payonner Account Number, Routing, Account Type, and Bank Name which is what you’re going to submit to Paypal in Step 2 above.

6.  So, now fill the Bank Details as stated in Step 2, and Save and you are Done adding your Payonner Account to your Paypal for Withdrawing funds.

Now if you have funds in your Paypal and want to Transfer it to your Payoneer Bank Account, follow the below short steps

8. From your PayPal dashboard, Click on Transfer Funds and in the space for where you are transferring the funds to, click on your Payoneer Account as seen in the screenshot below

9. Enter Amount you want to transfer and Click on Continue, Now at first, it will be set to pending, and takes maximum of 3-4 days to set your Transfer to Completed.

Completed here does not mean the money has arrived in your Payoneer Account, It means Paypal have sent your money and it is on its way to your Payoneer Bank Account!

So it takes a maximum of just two days for the money to be credited to your Payoneer Account!

The money should be credited to your Payoneer Account in less than a week (6 days).

Below is a Transfer of $30 from Paypal Account to my Payoneer Account earlier 2016.

When It was credited to my Payoneer Account

How to receive money through payoneer as a Blogger, Includes Affiliate Earnings, Google Adsense etc.

In order to receive payment from google and affiliate programs, there are no difficult steps.

All you need do is go to your global Payment Services from your payoneer dashboard as explained above and copy your Account Details.

Then you submit to the company where you want to be paid from. To withdraw your payoneer funds via your Local Bank with your Card, you should make sure you select Current Account instead of savings.

Thats’ where some people make mistakes

As simple as these!

Now I have come to the end of this Post, and believe I have been able to answer all of your questions. If not, the comment section is the best place to ask more questions.

I’d be glad you share with your friends so they can also come to learn all that they need to know about Payoneer.

Signup with Payoneer Right Away

29 thoughts on “One Size Fits All (A-Z) Tutorial on Payoneer for Bloggers [Updated]”

  1. A detailed post as usual. Just saw it on my email right now.

    But I would like to know if Payoneer is still working with PayPal. Can I really send money from Paypal to Payoneer?

    Your response will be gladly appreciated

    • Yes Sure with the new Application Procedures because you would be requested to input your Local Bank account details.

      Thanks for coming! hope you share with friends and have a nice day!

  2. Wow! I leant so many things from this wonderful post. Thanks much. I got a few questions though: 1) cant someone change the type of ID and/or ID number used during registration later on like during verification? 2) are these new payoneer features available to old (verified) payoneer accts?

    • Hi Don!

      Thanks for visiting and adding to the conversation.

      For Changing of Id, I dont think so, but you may contact payoneer support if you made a mistake during registration (Adding your Id)

      Thats why I suggest you use something you can provide later.

      Yes! the features are available to the old payoneer applications.
      I guess you are asking on the “How to Withdraw to Bank Accounts from Payoneer”

      Checkout this heading “How to Withdraw from Payoneer to Bank Account

      Do have a nice day and share with friends buddy!

  3. Hi

    Thanks for the great guide.

    Actually, i had a Payoneer account that was created about 2years ago but i think it will be great to setup a new one using this guide.

    Thanks for sharing
    – Pospi

    • Hi Deborah,

      You are welcome to my blog and thanks for adding to the conversation!

      Definitely its supposed to be there, do make sure you are using a PC!

      Do take care and have a nice day!

  4. I just logged into to my payoneer. I found out payoneer has discontinued withdrawal to bank accout. And with your above post concerning paypal does it mean i can use nigeria pp to recieve money and then withdraw to payoneer.

    • Hi Biodun,

      Payoneer hasn’t discontinued withdrawal to bank accounts, make sure your payoneer is funded then you could see the withdraw to bank option.

      As for the PayPal, if your Nigerian Paypal account sends and receives, then yes you can transfer the funds to your payoneer account.

      Thanks for coming

  5. Paypal open in Nigeria do not have receiving option. I can only use my paypal to make payment and buy stuff on ebay. How can I make my paypal able to receive and send. As for payoneer since i open it last 2yrs ave not been able to fund it.

  6. I’ve been using Payoneer from 2016 and primarily use it to receive payment from Amazon affiliate program.

    Till date I haven’t faced any issue and the money gets transferred without any issues. Customer support is also pretty good and up to the mark.

    Thanks for sharing it, Prosper.


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