This post contains affiliate links, which means I may receive a small commission, at no extra cost to you, when you make a purchase. Please, read my affiliate disclaimer for more details.

Payoneer MasterCardDo you work online? Are you looking for a more convenient payment solution for your freelance career or business? If you do, then you are at the write place. I have written a detailed post on “How to Get a Payoneer Mastercard in Kenya.”

I know I mention Kenya in the post because this is where I come from, but this post is for all online professionals.

Why Did I Write This Post?

I was inspired to write this post so I can give you more options when it comes to accessing your online payments.

As a PayPal customer, I was unhappy with some of the problems I was facing (and I’m sure you might have faced the same in one way or another) like unnecessary account restrictions. According to them, this is just a routine check up to eliminate fraudulent activities like money laundering etc. But, it can be such a pain in the butt, if that’s the only option you have.

What is Payoneer?

Payoneer is a leading online global payment solution that offers easy money transfer and e-commerce payment services in 200 countries and in over 70 currencies. As a card holder you have the option of either receiving your funds in your local bank account or at ATM’s if you have a Mastercard.

Who is qualified to apply?

Anyone who is above 18 years and has a national identity card, Driver’s license or a Passport.

Some of the companies that work with Payoneer:

  • Upwork
  • Elance
  • Amazon
  • Infolinks
  • 2CheckOut
  • com
  • PayPal
  • iStockPhoto
  • 99 Designs
  • com
  • PeoplePerHour
  • Teespring
  • AirBnB
  • Taboola
  • Avangate

Read:  How to Sharpen Your Listening Skills in Transcription

How to sign up for a free Payoneer Mastercard

If you are working online and are looking for a faster, secure and cost-effective payment solution, I encourage you to get a free Payoner Mastercard. So, click on this link here and you will be taken to the “Sign up Now” button as show in the picture below.

payoneer sign up As you can see above, if you sign up and activate your account you will receive $25 in your account that you can withdraw at any time. Personally, I know one or two things that I can buy with the $25 (pay my Aweber autoresponder subscription, for example) and I know you do too. So, what are you waiting for? Click this link and get signed up today!

payoneer contact info

When you click on the link, you will be taken to the page above where you are required to submit your personal info like your full names, email address and your date of birth. Make sure that information is correct. Otherwise, your account won’t be approved. When you finish inserting the details click on that orange button called “Next”

payoneer contact details

Here you have to fill in the boxes your country where you live, street address (not P.O. BOX), your city, postal/zip code and then your phone number. Payoneer team will use this info to send you the card to your exact location. So, be specific with your location. The number can either be a mobile number or landline. Any of the two is fine. Again, click on the orange button “Next”

payoneer security question

Next is choosing a password and creating a security question. You will be using the password every time you want to sign into your account. The security question will be used if, for any reason, you lose access to your account. The Payoneer team will ask you some questions to make sure that it’s actually you, the owner, who needs access back to his/her account. Click the button “Next”

verify payoneer account

The last step is verifying your account. You can do this by providing your Passport, National Identification card or Driver’s License.

After filling out all the data check the boxes of terms and conditions, pricing and fees, privacy policy etc as shown above then click on “Finish.” An email will be sent to the email address you provided in step 1.

How to activate your Mastercard

If all goes well you will receive your Payoneer Mastercard after a while. Depending on where you are located the card will be shipped to you in a period of 2 weeks to 1 month. I got mine after 1 month. Those in the US get theirs in approximately 2 weeks.

When you get the card, you are required to log into your account using the username and password you created previously to gain access to the account. The card will be shipped in a white envelope with a letter containing instructions on what to do next. You will be required to enter certain digits that will be found on your card and then asked to choose a pin number that you will be using to withdraw funds from your account at ATM’s. After doing all these, your account will now become active.

NB:  Make sure you have sufficient funds on the card before making a withdrawal. Otherwise, some ATMs may seize your card if they realize you attempted to make a withdrawal on an empty card.

Read:  How to Find Transcription Projects on

Charges &Transaction fees

I’ve got to admit that getting your card is totally free but once you have it, there will be a monthly/yearly maintenance fee and some minimal transaction fees (which is totally okay in my opinion). I believe the reason you wanted this card is so you can send and receive payments with ease. So I am sure you are either a freelancer expecting payments from clients or you are a merchant buying and selling goods and services online. This shouldn’t be a problem at all.

Look at the table below to see fees and charges that apply to your Payoneer Mastercard. We have $29.95 annual account maintenance fees, $12.95 for card replacement, $1 ATM balance inquiry fee etc.

payoneer fees and charges

Benefits of having a Payoneer Mastercard

  • Ability to shop online and in stores
  • Ability to withdraw your funds from ATMs anywhere in the world.
  • The funds will be automatically converted to your local currency
  • You can get your funds in as little as 2 hours unlike PayPal where you have to wait for at least 3 working days.
  • Use the Payoneer Mastercard to verify other payment solutions like Skrill, PayPal, Payza etc
  • Get full access to your account and check your account balance and transactions made at any time.
  • Get $25 bonus when you receive or transfer $100 in your card
  • 24/7 telephone, email and live chat support

Payoneer Affilliate Program

If you already have an account, Payoneer will reward you every time you refer others to them. All you have to do is send an email to your friends with your affiliate ID. Both you and the referral will get $25 each.

payoneer affilliate program

If you liked today’s post Like My Facebook Page for more Transcription updates. I believe you will love the many useful tips, resources and transcription companies that I post there.








  1. Timan Wainaina Reply

    Hi Virginia, i applied for my payoneer card early August this year using my smartphone, I have not received it yet.A friend of mine told me that applying for the card using my smartphone is a blunder because my IP address would show that i am from another country. I checked my IP details on gmail and it showed that my mobile IP is from Netherlands, could that stop Payoneer from sending me the card? Should i reapply this time from my computer?

  2. Hi, i tried opening my account and i was not successful.kindly help me.
    i would like the card to be sent within a short period and i will pay cost of shipping.
    kindly link me with payoneer

    • Hello Jackson. The card takes a month to get to you and they do not charge for shipping. It is a free service. Where are you having the most difficulty? Thanks

  3. Hi Virginia
    Can I also apply for this Payoneer account. I’m from South Africa

  4. I experience lots of difficulties trying to sign up for a payoneer mastercard,I am in Kenya please contact me through +254713609389 so that you guide me accordingly on how to go about

  5. on the postal code i filled in 00100( which is my postal code). is it okey?

  6. Will i get a call once my card reaches my home address.I live in rental houses so am wondering how i will know my card has arrived?

    • Hello Stacy. No, it’s not possible for them to call you because they have so many people in queue. The card usually takes a month to reach your destination. My advice would be. Go to your post office in a month’s time to check. Mine came in exactly one month

  7. Lucy Njoora Reply

    hi please assist on the last part bank account registration guide what am I supposed to fill. second I don’t have postal address how am I going to receive card

    • Hello Lucy. It is a must to have a postal address for you to receive the card. I didn’t have one either but I used my Uncle’s postal address to get the card. It takes a month. So, find someone you know and trust then use theirs. As for the bank account, you can use a bank like Equity Bank

  8. Vince Otinya Reply

    hello Virginia, I was to receive my card today 3rd/2/2017. Unfortunately, I have not received the card. should I continue waiting or reorder another.

    • Just be a bit patient. Perhaps, there is a delay. Alternatively, you can send them an email if the delay is longer than expected through their support system

      • What if I did not indicate the P.O Box address what are the chances of receiving the card

        • The chances are really minimal. You can only get the card through post office, unfortunately. But, send customer support an email and find out more.

  9. Vince Otinya Reply

    It has been six weeks since 24th December, the day I was notified of the shipping.

  10. Hi Virginia, have manage to fill other parts but reaching BANK CODE i don’t know what to fill because the space requires 5 digits which i don’t see on my ATM Master Card. I use Equity kindly help.

Write A Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.