Want to secure your card?

Wise International Card
Revolut International Card
Free clothes at SHEIN

If you've ever tried to receive payments from abroad, you know how complicated it can be: high fees, delays in processing, bureaucracy with banks and that feeling that part of your money will evaporate along the way. The good news? A Payoneer has come precisely to change this scenario.

With Payoneer's international card, you can receive, withdraw and spend money from foreign clients or platforms with more autonomy, speed and control. In this post, you'll understand how it all works, who can use it, what the fees are, and why this solution is winning over more and more Brazilians who work around the world.

What is Payoneer?

Payoneer is a global fintech company founded in New York and present in more than 200 countries. The platform's proposal is facilitating international transactions for individuals and companies, offering a multi-currency account that allows you to receive amounts in dollars, euros, pounds and other currencies with local bank details - as if you had an account in the US, UK and EU, for example.

It is widely used by:

  • Freelancers and digital nomads
  • Influencers who receive from foreign platforms
  • Service providers for international companies
  • Sellers from marketplaces such as Amazon, Etsy and Fiverr
  • Developers, translators, designers and remote professionals in general

The star of the show is Payoneer cardThis is a prepaid international Mastercard that allows you to use the balance you receive in any way you like: withdraw, transfer or spend it directly.

How does the Payoneer card work?

The Payoneer card works like a international prepaid debit cardIt is linked to your Payoneer account. It can be requested as soon as you start receiving payments on the account.

It works like this:

  • You receive amounts in dollars, euros or other currencies directly into your Payoneer account
  • You can transfer this balance to a Brazilian bank account
  • Or use the card to make physical purchases, online or withdraw money from ATMs

The card is accepted in over 200 countries and can be used in any store or website that accepts Mastercard.

Who can use it?

Any natural or legal person who provides services or carries out transactions abroad. You don't need to be a company or an MEI. You can open an account with your CPF, ID and proof of address, as long as you meet the platform's criteria.

It is especially advantageous for those who receive from:

  • Platforms such as Upwork, Fiverr, Freelancer, Airbnb
  • Direct customers via international boleto or automatic debit
  • Marketplaces and sites selling digital products
  • Companies that make transfers via ACH, SEPA or Swift

Payoneer acts as an intermediary and facilitates payment without the headaches that traditional banks often cause.

What are the real advantages?

Let's get down to business. What makes Payoneer a smart choice?

  • Fast and direct reception values in dollars, euros and other currencies
  • Free multi-currency account
  • Local bank details in the US, UK and EU
  • Prepaid international Mastercard
  • Automatic conversion to real or direct use in foreign currency
  • ATM withdrawals in Brazil and abroad
  • Global acceptance in stores and on websites
  • Complete control via the app
  • Support in Portuguese

Oh, and most importantly: you see all the fees before the transactionno surprises on the statement.

How do I create an account and apply for a card?

The process is completely online and takes just a few minutes:

  1. Access official Payoneer website and click on "Register".
  2. Choose between a personal or business account.
  3. Fill in your details and send the requested documents (ID, CPF, voucher).
  4. After verification, your account is activated.
  5. Start receiving amounts and, once you've reached the minimum amount (usually US$ 100), you can request the physical card.

The card arrives via international mail and takes 2 to 4 weeks to be delivered to Brazil. In the meantime, you can generate virtual cards for online purchases.

What are Payoneer's fees?

The account is free. But, like any international operation, there are some fees - and transparency is one of Payoneer's strengths:

  • Receipts from partner platforms (Fiverr, Upwork, Airbnb): free
  • Receipt via billing service: rate of 3%
  • ATM withdrawals: around US$ 3.15 per withdrawal
  • Currency conversion: on average 2% to 3.5% on the exchange rate of the day
  • Card maintenance fee: US$ 29.95/year (only if the card is requested)

You only pay for what you use. If you don't use it, you don't spend anything. And if you prefer, you can transfer the money to your bank account in Brazil, with an IOF of 1.1%.

Can I use the card in Brazil?

Yes, perfectly. The card can be used for physical purchases (supermarket, pharmacy, restaurants) and online purchases (subscriptions, e-commerce, apps), as well as withdrawals from 24-hour ATMs.

The main advantage is that you directly spend the balance received in dollars, euros, etc.without having to convert first. And if you want, the conversion is done automatically by the platform at a fair rate.

Is it safe?

Yes, very much so. Payoneer is regulated by financial authorities in the USA and Europe. All transactions are encrypted, and the system features two-step verification, real-time tracking and multilingual support.

You can block and unblock the card directly in the app, track each expense, generate virtual cards and receive automatic alerts for each transaction.

Why choose Payoneer?

Let's be blunt: if you provide services abroad and still use traditional banks, you're losing money. Between unfavorable exchange rates, receiving fees and slowness, frustration is inevitable.

Payoneer solves this with:

  • Speed: payments fall within 1 working day
  • Practicality: all through the app, no bureaucracy
  • Freedom: use as you like, wherever you like
  • Economylower fees and fairer conversion

What's more, the platform is reliable, used by companies such as Amazon, Airbnb, Google and major marketplaces. In other words, it is recognized and accepted globally.

Is it worth it?

If you work in the international market, provide services abroad or want to be paid easily in several currencies, the Payoneer account and card are more than useful - they are indispensable.

They offer agility, transparency, control and freedom. You decide how to use the money you earn, without being held hostage by fees or bureaucracy.

It's like having an international bank account in your pocket, with the advantage of being able to use it in Brazil and around the world. And the best part: you don't have to be a company, there's no hassle and your money is always accessible.

See also: Wise: international card available for most countries

May 21st, 2025