Payoneer in Russia, Ukraine and Belarus - transfer and withdrawal of funds from the payoneer mastercard payment card. Payoneer Belarus

In this article I will talk about the main advantages of this card, as well as the disadvantages, and give some life hacks to reduce these disadvantages.

Main advantages and capabilities of the Payoneer card (pros):

Pioneer debit card.

Unlike credit cards there will be no debts on it, since you can only spend your own money.

MapPayoneer has a dollar account.

Most microstockers and freelancers working with foreign companies, receive payment in dollars from large foreign companies.

With the current fall in the ruble exchange rate and the inability to receive payments to cards and accounts of Russian banks (as well as PayPal, etc.) in a currency other than rubles, this is very convenient. You can not only store funds in dollars on the card itself, but also withdraw and open dollar deposits and deposits in other banks.

Withdrawing money to Russian bank accounts.

If necessary, you can withdraw money from the card to your bank account in Russian bank, but please note that due to the features Russian legislation, you can only receive them in rubles, i.e. Currency conversion will be carried out.

taxation

Data about your card and movement on it Money Payoneer does not submit them to the tax authorities.

Despite the fact that according to the legislation of the Russian Federation, individuals are required to transfer to tax information about open bank accounts abroad, you do not need to submit information about this account to the tax authorities, since it is not registered in your name, but in the name of Payoneer. This account contains the money of all users, and the necessary part is simply recorded for your account and card.

You can also pay for purchases and services online. The card is accepted by all major online stores (for example: AliExpress, Amazon, eBay, etc.), payment systems work with it (PayPal, Skrill and others).

Card protection and technical support

Payoneer uses only the highest standards in the field of security, user privacy, and data protection.

lack of SMS notifications about card transactions

The presence of the Payoneer application on your phone helps to compensate for this disadvantage, in which you can control the movement of funds on the card wherever you are, as well as prompt 24-hour Russian-language technical support.

limit on the amount of funds on the card - $10,000

The maximum card account balance is $10,000. All money above this limit is in a virtual balance in your account and is transferred to the card as needed.

But I don’t recommend storing such amounts on a card; it is much better to withdraw them periodically and invest them in deposits or other income-generating activities.

limit on withdrawal amount per day

Like most bank cards and payment systems, Payoneer has a limit on ATM withdrawals - no more than $2,500 or 10 cash withdrawals per day from an ATM.

If you need a larger amount of money by a certain date, make sure in advance that you withdraw $2,500 every day.

the card may be blocked if there have been no transactions on it for 6 months

Is it legal to use Payoneer in Belarus? How and what taxes should I pay?

Such questions have been repeatedly asked by users on the Internet for a long time and, as a rule, they do not receive a clear and unambiguous answer to them. Despite the fact that Payoneer is an international payment system that allows you to accept payments from virtually all over the world and is one of the most popular and well-known global payment systems, its use is not very widespread in the Republic of Belarus.

Having analyzed the practice of using Payoneer in the Republic of Belarus, we can conclude that this payment system is extremely rarely used by legal entities and individual entrepreneurs due to the fact that most of them doubt its legitimacy and do not have information about what taxes should be paid in what order. pay when using it, and also do not fully understand what other nuances may arise in their work when using this system.

In order to eliminate uncertainty and establish a clear understanding of all the nuances of using Payoneer in the Republic of Belarus, “The Best Lawyer” LLC analyzed the legislation, sent requests and received responses from the tax authorities, as a result of which we can highlight main points and nuances that you should pay attention to when working with the Payoneer system:

1. Permission from the National Bank of the Republic of Belarus

There is a fairly widespread opinion that in order to work with Payoneer it is necessary to obtain permission from the National Bank of the Republic of Belarus to open an account abroad. However, obtaining permission from the National Bank of the Republic of Belarus is not required, since Payoneer does not open accounts for clients.

It should be noted that from March 1, 2019, individuals are completely allowed to open any accounts abroad without the permission of the National Bank of the Republic of Belarus. These changes to the legislation have been madeBy resolution of the Board National Bank of the Republic of Belarus dated December 19, 2018 No. 612 “On some issues of conducting currency transactions.”

For legal entities and individual entrepreneurs, the need to obtain a permit has not yet been canceled.

2. Value added tax

Belarusian companies join the offer and pay a commission to the American company Payoneer Inc., which is registered in the state of Delaware (USA). Payoneer Inc. provides payment service services and charges a commission for: receiving payments (including online platforms), transferring payments, using a Mastercard card, re-issuing a card, withdrawing funds.

In accordance with paragraph 1 of Art. 114 Tax Code of the Republic of Belarus (hereinafter - NK), when selling goods (work, services) on the territory of the Republic of Belarus by foreign organizations that do not carry out activities in the Republic of Belarus through a permanent representative office and are not registered in this regard with tax authorities of the Republic of Belarus, the responsibility for calculating and transferring value added tax to the budget rests with organizations and individual entrepreneurs that are registered with the tax authorities of the Republic of Belarus and acquire these goods (works, services) and property rights.

Place of implementation of works, services, property rights determined in accordance with the provisions of Art. 117 NK. The place of provision of services by Payoneer Inc. Belarusian organizations and individual entrepreneurs do not recognize the territory of the Republic of Belarus; accordingly, Value added tax is not calculated.

3. Income tax foreign organizations not operating in the Republic of Belarus through a permanent representative office

The object of taxation of the income tax of foreign organizations that do not carry out activities in the Republic of Belarus through a permanent establishment is recognized as income received by the payer from sources in the Republic of Belarus, named in paragraph 1 of Art. 189 NK. Fees charged by Payoneer Inc. is not subject to income tax.

4. Offshore tax

According to the provisions of Art. 263 of the Tax Code, the object of offshore taxation is, inter alia, the transfer of funds by a resident of the Republic of Belarus to a non-resident of the Republic of Belarus registered in an offshore zone, another person under an obligation to this non-resident or to an account opened in an offshore zone, unless otherwise provided by this article .

Based on the Payoneer Terms and Conditions, when using the company's services, the user agrees to pay all prices and fees based on the company's tariffs. To pay for services provided by Payoneer Inc., a user who is a resident of the Republic of Belarus grants this company permission to write off payments due to it. This permission is valid for the entire time you use the services of Payoneer Inc.

Payoneer Inc. registered in the state of Delaware (United States of America), which, according to Decree of the President of the Republic of Belarus No. 353 of June 25, 2006, is an offshore zone. Thus, there is a transfer of funds by a resident of the Republic of Belarus to a non-resident of the Republic of Belarus registered in an offshore zone.

In the current situation, based on the approaches defined in Art. 267 of the Tax Code, when the transfer is not made from the payer’s bank account, offshore tax is payable no later than the day following the day of the write-off, at the official rate established by the National Bank of the Republic of Belarus on the date of such write-off.

The tax base The offshore fee is determined based on the amount of funds written off. The offshore tax rate is 15%.

5. Mandatory sale of currency

Mandatory sale of foreign currency canceled from August 3, 2018(Decree of the President of the Republic of Belarus dated July 31, 2018 No. 301 “On the abolition compulsory sale foreign currency").

Legal entities and individual entrepreneurs has the right to leave on the account any received by them foreign currency, including numbers and obtained by them using Payoneer systems Inc.

6. Completion of foreign trade operations in accordance with Decree of the President of the Republic of Belarus dated March 27, 2008 No. 178 “On the procedure for conducting and monitoring foreign trade operations”

It is worth noting that when using the Payoneer system when executing a contract with partners must be observed deadlines completion of foreign trade operations.

By general rule when exporting (transfer by a resident of goods (including in transactions not related to the movement of goods across the State Border of the Republic of Belarus), protected information, exclusive rights to the results of intellectual activity, performance of work, provision of services on a reimbursable basis to a non-resident), funds from the counterparty must arrive within no more than 180 calendar days from the date of shipment of goods (transfer of protected information, exclusive rights to results of intellectual activity), performance of work, provision of services.

As a general rule, when exporting, a foreign trade transaction must be completed by receiving funds for the transferred goods (protected information, exclusive rights to the results of intellectual activity), work performed, services rendered. At the same time, funds are received only to the accounts of exporters (with the exception of a list of some fairly specific cases).

Thus, within 180 days from the date of shipment of goods (transfer of protected information, exclusive rights to the results of intellectual activity), performance of work, provision of services, funds must be withdrawn to the exporter’s account in the Republic of Belarus.

There are situations in which the counterparty does not sign a document confirming the provision of services, performance of work (act) or other document and a resident of the Republic of Belarus has no opportunity to oblige him to do so.

Such cases are regulated by the legislation of the Republic of Belarus, in particular, by the Resolution of the Board of the National Bank of the Republic of Belarus dated July 9, 2009 No. 101 “On foreign trade operations”, according to which the date of completion of work (provision of services, receipt or transfer of protected information, exclusive rights to results intellectual activity) in cases that do not provide for the signing by the parties to the foreign trade agreement of acts of work performed, services rendered, or other similar documents, the date is considered:

Payment of obligations of one of the parties specified in the payment instruction or cash document;

Issuance of an invoice or invoice by one of the parties;

Preparation of postal receipts, courier receipts;

Issuance of a certificate (certificate, certificate, diploma) of obtaining an education (assigning a qualification, obtaining a specialty);

Carrying out a cultural or sporting event indicated on the ticket;

Signing an agreement on the assignment (transfer) of rights to the results of intellectual activity, a license agreement.

Thus, when using Payoneer Inc. Residents of the Republic of Belarus still need to pay attention to and control the timing of the completion of foreign trade operations under the contracts they have concluded.

In conclusion, we would like to note that the use of the Payoneer system on the territory of the Republic of Belarus does not raise such a significant list of unresolved issues in practice as it might seem at first glance, and therefore, there is no need to be afraid of using this system.

The company "The Best Lawyer" LLC provides consultations on issues that arise when working with the Payoneer payment system. An undeniable advantage of our company is the ability to immediately communicate with representatives of Payoneer Inc. to get an answer to your question.

All users who register and receive more than $25,000 per account within 6 months of registration will be paid a fixed deduction of $250, and will also be given the opportunity to take advantage of Payoneer's privileged terms of use.

Payoneer is one of the options for withdrawing money from Upwork, and the registration process is not always obvious. I wrote step by step (with screenshots) how to register with Payoneer, indicate your address, order and activate a card in 2019, and also receive a bonus $50 to your Payoneer account.

Recently Payoneer has changed the registration rules for residents of Ukraine, Russia, Belarus and Kazakhstan, now required when registering o indicate information about your local bank account(for example, a bank in Ukraine), and order Mastercard card Can will be only after your Payoneer account will there be any money.

$50 bonus to Payoneer account

I remind you once again that affiliate program Payoneer (https://jff.name/payoneerbonus) is one of the ways to make money on this blog, so next you will see detailed information how register with Payoneer and then receive a $50 bonus.

Start of registration

Enter data:

First and Last Name. In Latin, as in the international passport, if there is no international passport, then as in the license, if there are none, then look at how your name will be correctly transliterated (each country has its own rules) and indicate it. It is worth indicating a real name, since in the future you will be asked for scans of documents (a national passport will also do; you should not be afraid to send it, since the data is not transferred anywhere);
Email must have actually existed;
Date of Birth again it must be real. You must be over 18 years old. If you have not yet reached this age, then you should not provide incorrect information. It is better to ask your parents to create an account.

If you have already have a Payoneer account, then you shouldn’t make a duplicate (most likely both accounts will be banned), it’s better to write to support and restore the previous one (in most cases this is possible).

Contact details

Contact details:

Choose your country of residence(in 99% of cases this is the country in which you have citizenship, the exception is the situation where you at least have a “temporary residence permit”, or better yet are in the process of obtaining citizenship). You must be ready at any time to provide documents to confirm your address (usually scans of rent payments, but other data may be required);
IN depending on the selected country at the next stages of registration, additional data may be requested (for example, in the European Union countries you need to provide tax data). For Ukraine, Russia, Belarus, Kazakhstan there is no difference;
We write the address in Latin. We write the name of the city and street in transliteration, but don’t bother too much, since this data will already be read by postmen in your country, which means you need to write it in a way that they can understand. That is, “Stroiteley street” and “Stroiteley ulitsa” do not matter.
If the name of your city does not fit into the form, then you should contact support - https://payoneer.custhelp.com/. But before that, read, which tells you how to shorten the length of your address.
It is important to indicate the correct zip code, since if your country has several cities with the same name, then the zip code will be decisive when choosing where to send the letter.
I also recommend that you provide a real phone number, as this will help in the future in emergency situations to restore access to your account;

Security details

Details:

Username— this is the email you specified in the previous step;
Password I recommend coming up with 16 characters with small and large letters and numbers, ideally adding various “@%#...” signs there, but they are inconvenient to type on mobile keyboards. It’s best to come up with a memorable phrase, write it in CamelCase style, that is, together and with different registers, and add numbers to it;
Secret Question- a very important registration point, since without it it will be extremely difficult to restore access to your account if you forget your password or it is stolen by attackers. The answer to your security question is also often needed when communicating with Payoneer support. You can select a question from the list. The answer to the question should be clear to you. It is also desirable that as few people as possible know it.
Naturally, you need to indicate reliable passport details. In the future, there is a good chance that you will be asked to provide scans of the documents you provided in this step.
Count passport ID accepts only Latin letters and numbers (at the time of writing), so if you indicate a document - a national passport - then you will have to indicate the passport number without a series, and after registration, contact support to update this information.

Local bank account details

The last stage is devoted to information about your local (in your country of residence) bank account.

An innovation in registration from Ukraine, Belarus, Kazakhstan and Russia was mandatory entry of account information in a local bank.

Above At the moment, there is not a single case where Payoneer would transfer personal data of users to third parties, and, in my opinion, they will stick to this policy in the future in order not to lose their reputation, so the paranoid need not worry so much.

Generally, withdrawal to local bank is a good tool for quickly withdrawing funds from your Payoneer account and them correct design For tax office. But you can not use this tool (you will still have to provide bank details during registration), but order a Payoneer card after registration and use it only or together with withdrawal to a local bank.

Judging by the information from fellow freelancers, Payoneer does not check the data in any way when entering and after registration, but I still highly recommend providing real data. However, Payoneer employees say that in certain cases (when there are doubts about the correctness of information about a local bank account), Payoneer may require a certificate from a local bank account.

Name of the bank. In this field you must indicate the full name of your bank in Latin letters.
Account name
In this field you must indicate the full legal name in which your bank account is registered, which exactly matches the name specified in bank statement. The account name must contain only Latin letters and numbers, without special characters. If the account is not registered in your name or is registered to a company, you may be required to additional information or documents.
Account number
In this field you must indicate the account number that exactly matches the number on the bank statement or check
SWIFT/BIC
In this field you need to indicate your bank's SWIFT/BIC code in capital letters.
Length – 8 or 11 characters. Data can be obtained from personal account Internet banking, bank branch or through support.

Registration is now complete. All you have to do is wait for registration confirmation (after your details are verified, you will receive an email), and after that you can receive money into your account.

Order a Payoneer card

If you want to order a card, then you will need to earn at least $30 into your Payoneer account and then click on the following button in your personal account:

Order a card You can use dollars (USD), euros (EUR) and even pounds (under certain conditions), but I personally recommend a card in dollars. If the account owner receives a payment in euros, the funds will be credited to the euro balance, and in order to use the funds, you need a euro card; a dollar card will not work. You can order all 3 cards, the annual fee is charged only per dollar

You can order a card at address other than that, which you entered during registration. Moreover, you do not have to confirm the delivery address with any documents. All you need to do is get a card at this address. If the account owner orders a card to a country other than the one from which he registered, then Payoneer may request proof of residence (scans of documents with your name and address) for the new delivery address.

The card is delivered within 2-4 weeks(according to information from Payoneer). Sometimes it comes within a week, in the most problematic cases it takes a month or a month and a half. If the card has not arrived within this period, you can request that it be sent again (there is an option inside your account or you can write to support). They only resend a couple of times. If the card doesn’t arrive again, you’re out of luck, most likely the postal workers lose your letters (approximately 10% of cases) and then your only option is DHL delivery.

Delivery via DHL is a bit expensive ($40 regardless of location) and takes 3-7 days (but it’s worth taking into account the additional time required to issue the card). You can arrange such delivery through Payoneer support service.

Not worth it be afraid that the card will be stolen: To use it, you must first activate it. And to do this you need to know the password for your account.

Now let's move on to the main topic of this article - the features of using Payoneer in Belarus.

Registration of Payoneer in Belarus: description of the process, legality.

I would like to immediately draw your attention to the fact that by registering you will receive $25 bonus to account, after withdrawing the first $1000 to your account. This will allow you to cover the cost of commissions for annual maintenance Payoneer account. Also, your payments will have to be processed faster than with regular registration. You need to go through the registration process using our link continuously

Payoneer recently changed the registration procedure for users from Belarus. Previously, you had the opportunity to select an account type during the first registration step. This was either ordering a prepaid Payoneer card, or creating an account indicating a bank account for further withdrawal of funds to it.

On this moment Entering bank account information is mandatory at the registration stage. But in the future, this does not oblige you to withdraw funds to this account - you can also order a Payoneer prepaid card and use it for this. Why specifying bank account information has become mandatory and how to reorder a card is described in the article below.

All steps of the registration process are described in detail in our article:

About the legality of using Payoneer in Belarus.

In Belarus you can register an account both on individual, and for your company.

Individual— you can reorder a Payoneer card and subsequently withdraw money from it, both at dollar ATMs in Belarus and other countries of the world. Some may think that this is not a completely legal activity. But no one will be able to track the source of funds in your account, since the system does not disclose client data. The only chance of attracting the attention of the tax authorities is the regular withdrawal of large sums of money through a bank cash desk in Belarus, because in this case you leave your passport data. But even this scenario is unlikely. To completely protect yourself from such situations, withdraw funds through an ATM and sleep peacefully.
Entity- filling out tax returns allows you to use the payment system absolutely legally. You can use the “ ” function, fill out invoice declarations, and receive payments from all over the world.

Entering local bank account details during registration. Why is this necessary?

We asked this question to representatives of the payment system, to which they gave the following answer:

Entering bank account information has become mandatory so that we can make sure that the user has somewhere to withdraw the funds received. The advantage in this situation is that our clients no longer need to wait to receive the card, but can immediately use all Payoneer services. The user also has the opportunity to reorder a prepaid card at any time.

We believe that this indicates that in the future it plans to use not only cards for accounts, but also expand the list of its services. Considering that the card can be re-ordered, such changes seem justified and positive aspects can be highlighted:

It is not necessary to withdraw funds to a bank account, so all the benefits of using the card remain when ordering it in the future.
No need to wait for the card to arrive (10-20 days).

But with all the advantages, this approach also has one tangible disadvantage - you do not have a bank account in a local bank in Belarus. In this case, the bank account must be in the currency - dollars:

or in euros as shown below.

So, to create an account, you need to open a bank account in Belarus, or enter fake data. But this is prohibited by Payoneer, so be aware possible consequences in case this is revealed. We do not advise you to do this.

It is worth noting that you do not need to worry about the safety and confidentiality of your data - Payoneer does not transfer information about bank accounts anywhere.

Also important information — at the moment in Belarus, you can withdraw money to an attached bank account only after you withdraw the first $1000 to your Payoneer account. At the same time, if you re-order the card, there will be no such restrictions on its use. Read on to find out how to do this.

Payoneer card in Belarus: How to order and the advantages of using it.

In order to order a dollar card in the Republic of Belarus, you need to receive at least $30 into your Payoneer account. To order a card with GBP currency you need to get at least 50 pounds sterling, for EUR - from 50 euros, respectively. After this, a button will appear in your account menu that allows you to order a Payoneer card.

After this, you will be taken to a page where you need to specify the card delivery address. By default, the data you provided during registration is already entered there. If you want to receive a card to a different address, you must check the box next to “Enter a different delivery address” and enter the required data.

What are the benefits of the Payoneer card:

No problems with the tax office.
Ability to store and withdraw currency in euros/dollars/pounds.
There is no need to declare income.
Payment without commissions with a Payoneer card for goods on the Internet and in store terminals.
Possibility of withdrawing cash from any ATM that supports MasterCard.

Register with Payoneer using and get a $25 bonus to your account, after withdrawing the first $1000 to your Payoneer account. You need to go through the registration process using our link continuously from the beginning to the end. If for some reason you terminated your registration, start it by clicking on our link from the very beginning.

Payoneer is the best PayPal alternative for Belarus.

The PayPal payment system allows you to purchase goods in most online stores around the world, and cooperates with most freelance platforms and photo banks. But for the Republic of Belarus it works only on the “Send Only” principle. What does this mean for those who want to use it:

You cannot receive money into your PayPal account in Belarus.
You cannot withdraw funds from your PayPal account in Belarus.
It is possible to create an account in Belarus, top up its balance and transfer money from it (for example, pay in an online store).

Therefore, we can say that using PayPal in Belarus is now inconvenient. A good alternative is. Withdrawing funds from many partners around the world, the ability to pay for purchases on the Internet and much more speaks in favor of this payment system.

Withdrawing money from Payoneer in Belarus: features.

In this section we are general outline We will list and describe the options for withdrawing funds from Payoneer for Belarus in Belarusian rubles or dollars. To get acquainted with a detailed comparison and analysis of these methods, we recommend that you read our article:

There you will find a comparison of different banks and ATMs that you can use to withdraw money from Payoneer. Find out everything about withdrawal conditions, commissions, currency conversion rates, daily limits for each bank. The information in the article is current and constantly updated.

Payoneer card in Belarus. Withdrawal of funds in dollars.

First of all, you need to re-order this very card. To make this possible, you must receive at least $30 into your account and after that you will have the “Order card” button in the top menu.

Having received the card, you can choose how to withdraw money from it: at the cash desks of some banks, or at dollar ATMs. Based on our experience and the experience of many other freelancers, we recommend using the second option. Its main advantage is that you do not need to provide your passport information, as well as spend money on additional commissions that may apply to the bank.

Some ATMs from which you can currently withdraw dollars from your card:

BelGazPromBank
MTB Bank
IdeaBank
Bank Solution (ex TrustBank)
FransaBank

Dollars can also be withdrawn at bank cash desks. We consider this method to be somewhat worse, since you will have to leave your passport data to the cashier, from where it goes into the bank’s database. If you withdraw frequently and large amounts money is likely to come to the attention of the tax authorities. But this approach also has an advantage - transaction limits. They are usually significantly higher than at ATMs.

Below are some banks whose cash desks allow you to withdraw funds in Belarus:

Alfa Bank
Belarusbank
VTB Bank (Belarus)
BTA Bank
Idea Bank

Information on all banks and their comparison can be found in our article: .

Payoneer card in Belarus. Withdrawal of funds in rubles.

Withdrawing money from Payoneer in Belarusian rubles at the conversion rate is less profitable than in the card currency. If the currency into which you are withdrawing funds differs from the card currency, you will also pay an additional commission for cross-border payment (up to 3.5%).

The conversion rate to Belarusian rubles is usually the Mastercard rate, but some banks allow you to choose your own conversion rate, which may be more profitable. Some banks whose ATMs allow you to withdraw funds in Belarusian rubles:

BelVEB
MoscowMinsk
BPS Bank
MTB Bank

Withdrawing money from Payoneer in Belarus in dollars and euros to a bank account.

We figured out how to withdraw funds from a card above, now we’ll figure out how to withdraw funds to a bank account. Currently in Belarus, you can withdraw money to an attached bank account only after you withdraw the first $1000 to your Payoneer account. Money can be withdrawn to the account you specified when registering your account, or you can add a new one. For Belarus, this is either a dollar or euro account. This method can be even more profitable than withdrawing money through a card - the commission is only 2% of the withdrawal amount + commission of the correspondent bank. Most often this is around 20 extra euros or dollars, depending on what currency you are withdrawing.

To withdraw funds from Payoneer to a bank account, you need to go to the “Withdrawal” - “To Bank Account” menu and select the account that you specified during registration.

Please note that your account may be reviewed for up to 5 business days after registration until it is approved. Contact Payoneer support if you have problems with this.

Results.

Features of Payoneer registration in Belarus:

When creating a Payoneer account, you must link your local bank account. The account must be in dollars or euros.
Registration is available for individuals and legal entities.
You can reorder a Payoneer card. To order a dollar card you need to have at least $30 in your account, for euros and pounds sterling - 50 euros and 50 pounds sterling, respectively.
$25 bonus to your account if you register in the system. You will receive them after you withdraw the first $1000 to your Payoneer account. You need to go through the registration process using our link continuously from the beginning to the end. If for some reason you terminated your registration, start it by clicking on our link from the very beginning.

Features of Payoneer withdrawals in Belarus:

It is possible to withdraw dollars from a Payoneer card at currency ATMs. To order a dollar card you need to have at least $30.
You can withdraw currency from bank cash desks, but sometimes there may be an additional commission. You will also have to provide passport information.
Currency can be withdrawn to the account in euros and dollars that you specified when registering your account.
You can withdraw from ATMs using your Payoneer card Belorussian rubles, at the conversion rate.

For the Republic of Belarus, this is practically the only normal way to receive funds from abroad, since PayPal does not work for receiving and withdrawing money in the country. This is primarily of interest to freelancers international exchanges freelancing, microstock users, etc.

Working on foreign freelance exchanges, as well as directly with clients living in other countries, is always associated with a number of difficulties. First of all, financial nature. Because you need to immediately decide for yourself the question of how to withdraw your earned money as efficiently and safely as possible. The solution suggested itself: it was necessary to create banking product, which would solve the everyday problems of freelancers around the world. So, in 2005 it appeared payment service Payoneer (in Russian it is often called “Pioneer” or “Pioneer”).

At the Pioneer payment system more than 2000 partners all over the world who pay directly to the card account!

At this moment bank card from Paoneer is a universal payment method that allows you to quickly carry out the process of paying earned money to freelancers. Plastic can be used to withdraw money worldwide from any ATM. In addition, you can pay with it in regular stores and online. For Russian freelancers, this solution is a real godsend, since it allows them to receive payments from American companies directly, as well as work with the largest freelance exchanges on the planet. In this case, there is no need to report to the state about the presence of a deposit abroad. The only negative is the commissions, but they can be leveled out, since earnings abroad, as a rule, are much higher, and this circumstance will help recoup most of the service costs.

These are commissions for replenishment transactions only from the Payoneer payment system (they will be debited from the recipient of the money).

Payoneer has implemented a cool feature for transferring payment to you for your work - the ability bill. This invoice can be sent, for example, by e-mail to the customer or employer. These can be both companies and individuals.

How to top up Payoneer by paying an invoice (the customer chooses the most optimal option for him from the proposed ones):

from a bank card ( commission 3% , limit 2000$ for the operation);
transfer from your bank account via Global Payments Service ( There is no commission for EUR (SEPA transfers), but for USD (ACH transfers) it is 1% , no limits);
electronic check ( for US residents - 1% and limit 5000$ for the operation).

You can also pay any service to a supplier or customer directly from Payoneer by selecting the " Make a Payment“, indicating his E-mail as the recipient, even if the recipient does not yet have an account in Payoneer. After registration he will receive this payment. This transaction will no commission.

What is Global Payment Service?

For transfers from the USA

Previously, interaction with the payment system was carried out directly through the company’s partners, because only they had the opportunity to replenish prepaid debit cards Payoneer, then with the connection of the service US Payment Service(as mentioned just above) in 2012 you can now receive payments from any American company. Now they just need to send money by local bank payment through the system ACH (Automated Clearing House)- the largest clearing system in the United States.

Global Payment Service System

Global Payment Service: to an account in $ - ACH transfer (US interbank), account in euros - SEPA transfer (in euros).

Expanded possibilities US Payment Service. Significantly increased the geography of partners. Now you can receive money to your Payoneer account in euros (EUR) through SEPA (Single Euro Payments Area) from partners from European Union and European zones economic space(34 countries), from Great Britain and Ireland in pounds sterling (GBR) according to BACS and FPS, Japan - in yen (JPY) according to Zengin. Since 2018, it has also become possible to receive money using the Chinese payment system CNAPS (China National Advanced Payment System) and in Canadian dollars through Canadian banks using EFT (Electronic Funds Transfer). In Australia - via BECS (Bulk Electronic Clearing System). The service is actively developing - in the near future they promise more currencies and opportunities.

As part of this opportunity, you can also issue an additional card for payments. In Euro. To perform this trick: through the support service, request the ability to accept payments in euros. And when will your euro account have more than 50 EUR, then a button will appear in your personal account Order Card, by which you can order an additional prepaid card Payoneer EUR.

It is important to note that local transfers are used for transfers. payment services countries, which avoids the use of more expensive international system Wire. As a result, there are significant savings on commissions.

To issue an invoice and pay, it is enough to generate from your personal account payment order and send it to your partner. This must be legal face. Transfers using this scheme between private individuals are prohibited.

If you do not have this option and it is limited, write to Payoneer support to enable this functionality. The system is the same - you are provided with data bank account, to which you can transfer money. This account does not belong to you personally, but is linked to your account. It is common to everyone. All money received is distributed according to functional purpose and are credited to the payee's card account.

Payoneer and taxes in Russia

The most profitable way to withdraw rubles from Payoneer is at VTB and Alfa Bank ATMs!

In this case, we recommend looking for ATMs from VTB Bank that allow you to withdraw up to 100,000 rubles from “other people’s cards” per transaction. In the comments, people write that Raiffeisen ATMs can dispense up to 150 000 rubles (not checked!). Also, judging by the reviews, Alfa Bank can give you rubles at its ATMs using a Payoneer card ( from 200,000 to 450,000 rubles depending on the ATM model).

Information also appeared that since October 2017 up to 200,000 rubles can be withdrawn from ATMs " Tinkoff Bank " (Moscow). Withdrawal operation in rubles is carried out without commission. There is also information that you can withdraw money from Otkritie and Promsvyazbank up to 200,000 rubles.

For comparison (cash withdrawal limits from “other people’s cards” at ATMs of other banks):

Post Bank - up to 50,000 rubles per transaction;

Various ways to deposit and withdraw money from a Payoneer card. Relevance: 2018.

You can withdraw money from your account (not available for all!) to a bank account in Russia. The operation will be carried out in rubles. Commission: 2%. Interbank payment (from Russian partner banks). At the moment, payments in dollars are not made to Russian banks. Money comes from " Qiwi Bank» with the comment payment for provided services from Amazon.com, Inc. Private transfer, No VAT.

Map directly replenish it is forbidden(C2C top-up is not possible).
You can issue an invoice for payment specific person or company, send a link to him or by e-mail to receive payment directly different ways for the paying party: bank check (in USA), by bank card (commission 3%, limit $2000 per transaction) or transfer from a bank account via Global Payment System ( commission 1% in USD, EUR - 0%).
You can “pull” money from the card, but only from those services for which it is not critical lack of 3DSecure according to Pioneer. A Payoneer card transaction will be processed as a regular card purchase, not counting the commission of third-party services.
Transferring funds from one Payoneer card to another (may not be supported if there are restrictions from the partner or if funds have not been received in the standard way for a long time). The option is not available immediately, but after receiving payments in the “traditional way”.
Private replenishment of Payoneer cards (bank cards of Russian banks can be used here). All transactions are carefully monitored; a payment may be refused (especially if it has not been replenished for a long time using the standard method - through partners or the US Payment Service). The commission fee is 3,75% and can be withheld from both the sender and the recipient.

Payment request

You can receive money on Payoneer by simply issuing an invoice (button " Payment Request"). In this case, the customer will not even need to be registered with Payoneer; he will have many opportunities to pay for your services or goods (via a payment card, bank transfer or electronic check).

Top up from bank accounts located in the CIS, including through payment systems it is forbidden(including via SWIFT). However, through the system US Payment Service (by entering ACH information) you can top up your Payoneer balance through Skrill, PayPal and other services. In this case, the standard ACH fee is charged, equal to 1% of the transfer amount. For SEPA, BACS and Zengin commission not charged.
You can receive money from any company registered in the USA, UK, Japan and the European Union (euro area) by Global Payment Service. The commissions are the same as indicated in the paragraph above.
You can release in addition to the main card in dollars and card with euro currency. To do this, you need to request from support the ability to accept payments in euros. After this, an item with the conversion of one currency into another will also appear in the “ Currency management«.
You you can't link your Payoneer card to Paypal, registered on Russian resident
There is no SMS notification, but you can download it official application from Google Play and AppStore to your gadget and monitor your balance.
In stores or on the Internet, you can pay for something with a card no more than 9 times. The total limit is $2,500 (for purchases and withdrawals).
With funds from Payoneer you can top up other bank cards. For example, through the service MoneySend. The card supports “pull” (that is, outgoing transaction: you can carry out the operation in the personal account of your bank, on whose card you want to receive funds).
Payoneer debit may be blocked if no transaction is made on it within 6 months
In the AdvCash system you can issue both physical and virtual cards. And even tie them to payment systems Google Pay,Samsung Pay. Cards with free service (payment only for issue).