Higher EOR score: 7.8 against 6.4.
Best for: Startups, growing companies and enterprises, the three segments Pebl writes a page for
Read review (Pebl)Payoneer is a Nasdaq-listed payments company with four services we score: mass payouts and three Workforce Management services. Mass payouts reach payees in a claimed 190+ countries and territories. Workforce Management lists Employer of Record at $199 per employee a month, plus Agent of Record at $99 and contractor management at $19, each per contractor. Its pages name Skuad Pte. Ltd., a Payoneer group company, as the provider of the three Workforce Management services. Its Security Center states PCI DSS Level 1 certification and Type II assessments for SOC 1 and SOC 2.
Verdict
Best for
- Marketplaces, platforms and enterprises that pay many recipients regularly, in Payoneer's own words
- Companies paying contractors in many countries and currencies by API or CSV upload
- Teams that want one provider for contractor payments and a first employee hire abroad
- Businesses already using QuickBooks, Xero, NetSuite or Zoho Books
Not for
- Buyers who need the service agreement or fee schedule before they sign up
- Teams that must verify each EOR country against a published list: Payoneer gives 110+ as a count only
- Companies that need standalone global payroll: Payoneer lists payroll only as part of EOR
- Stands out
- Published entry prices for three Workforce Management services, with live 24/7 support and a dedicated account manager stated for EOR and AOR, from a payments company that lists its own SOC 2 assessment and eight payment licences.
- Biggest limit
- Contracts and fees sit behind a login. No Workforce Management agreement is public, no mass-payout price is stated, and EOR, AOR and contractor management show no country list, setup fee, deposit or termination fee.
On this page
Services
| Service | Price | Basis | Score | Countries documented |
|---|---|---|---|---|
| Contractor payouts | Custom quote[1][2][3] | — | Our score 5.8 of 10Limited data | None documented |
| Contractor management | from US$19[4][5] | per contractor a month | Our score 6.8 of 10Limited data | None documented |
| Agent of Record | from US$99[6][5] | per contractor a month | Our score 6.4 of 10Limited data | None documented |
| Employer of Record | from US$199[7][5] | per employee a month | Our score 6.4 of 10Limited data | None documented |
Top alternatives to Payoneer
Providers with a higher EOR score from us than Payoneer. How we score
Rated higher than Payoneer on Capterra.
Best for: Companies moving contractors onto local employment contracts, a use Remote's EOR page names
Read review (Remote)Rated higher than Payoneer on G2 and Capterra.
Best for: Startups and global enterprises, in Deel's own words
Read review (Deel)
Pricing
Setup fees and what each list price includes, by service. The EOR fee for a team follows under Cost at volume.
| Service | Setup fee | Notes |
|---|---|---|
| Contractor payouts | — | Mass payouts to 190+ countries and territories; collect in 30+ currencies and pay out in 70+. No mass-payout price is stated: the page says fees are shown before a payment is confirmed. The general pricing page (updated 1 January 2026) lists, for sending from a Payoneer balance to a recipient's Payoneer account, up to 4.00 USD/EUR/GBP in the same country and up to 1% + up to 4.00 USD in a different country; withdrawals to a bank account 1.50 USD for the same country and local currency in supported countries, otherwise 1.2% to 4%; moving funds between balances 0.50%. Those are account fees, not a mass-payout tariff, and processing over 50K USD a month is priced by quote. Payees with a Payoneer account pay an annual fee of 29.95 USD if the account receives under 6,000 USD in 12 months. The site navigation lists stablecoin payments (send and receive USDT and USDC); the mass payouts page does not say whether payees can receive them.[1][2][3] |
| Contractor management | — | Contractor Management System, 'Starts at $19 per contractor/month'; 'Pricing may vary by country, services, and engagement type'. Payments in 70+ currencies, 160+ countries. No setup fee, deposit, minimum term or termination fee is stated; the hub says 'Fees may change. Please check our current fee schedule.'[4][5] |
| Agent of Record | — | Agent of Record, 'Starts at $99 per contractor/month'; 'Pricing may vary by country, services, and engagement type'. Helps reduce misclassification risk, 160+ countries; payments in 70+ currencies. No setup fee, deposit, minimum term or termination fee is stated.[6][5] |
| Employer of Record | — | Employer of Record, 'Starts at $199 per employee/month'; 'Pricing may vary by country and role'. Offered through Workforce Management (Skuad Pte Limited, a Payoneer group company, per the page disclaimer); 110+ countries, no country list. Talent discovery, background screening, private health insurance, visa and work-permit support, equipment and coworking are add-ons at extra cost. No setup fee, deposit, minimum term or termination fee is stated.[7][5] |
EOR cost at volume
Payoneer’s EOR fee at its list price of US$199 per employee a month, for a team of 1, 10 and 50 employees.
| Employees | Per month | Per year |
|---|---|---|
| 1 | US$2,388 | |
| 10 | US$23,880 | |
| 50 | US$119,400 |
Provider fee only, before salary and employer contributions; list price from the provider’s page; volume discounts not included.[7][5]
EOR price against other providers
Payoneer’s EOR list price next to the providers with the highest EOR score from us that price EOR per head a month in USD. They are picked by our score, not by price.
PayoneerUS$199
PeblUS$399
MultiplierUS$459a
DeelUS$599
RemoteUS$599
How we scored Payoneer
Each service gets its own score from our five criteria. Review-platform ratings are not part of it.
Limited data: fewer than half of the facts our method scores are on record for Payoneer. Criteria without a fact get a neutral value, so these scores may change as facts are added. How we score
Contractor payouts Our score 5.8 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 6.8 | 2.04 | Contracting entity on a company register: yes; Service agreement: not public; Own security certifications: PCI DSS, SOC 1, SOC 2; Licences: 8; Facts on record for this criterion: 4 of 4. |
| Coverage | 20% | 7.0 | 1.40 | Countries: 0 documented, 190 claimed; Reach: 59% of the widest provider of this service; Facts on record for this criterion: 1 of 1. |
| Price | 20% | 3.0 | 0.60 | Price: not published (quote only); Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 0 of 5. |
| Platform | 15% | 6.8 | 1.02 | API: yes; Integrations: 4; Self-serve sign-up: not disclosed; Documents in the platform: not disclosed; Payout methods: bank transfer, e-wallet and card; Facts on record for this criterion: 3 of 5. |
| Support | 15% | 5.0 | 0.75 | Live support channels: none listed; Live support hours: not stated; Dedicated manager: not stated; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 0 of 5. |
| Our score | 5.8 |
Contractor management Our score 6.8 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 5.8 | 1.74 | Contracting entity on a company register: yes; Service agreement: not public; Own security certifications: PCI DSS, SOC 1, SOC 2; Licences: none recorded; Facts on record for this criterion: 3 of 4. |
| Coverage | 20% | 7.0 | 1.40 | Countries: 0 documented, 160 claimed; Reach: 43% of the widest provider of this service; Facts on record for this criterion: 1 of 1. |
| Price | 20% | 9.0 | 1.80 | Price compared with 16 providers charging per person a month in USD; 19% of them charge less; Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 1 of 5. |
| Platform | 15% | 7.3 | 1.10 | API: yes; Integrations: 4; Self-serve sign-up: not disclosed; Documents in the platform: contracts yes, IP assignment not disclosed, closing documents yes; Payout methods: bank transfer, e-wallet and card; Facts on record for this criterion: 4 of 5. |
| Support | 15% | 5.0 | 0.75 | Live support channels: none listed; Live support hours: not stated; Dedicated manager: not stated; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 0 of 5. |
| Our score | 6.8 |
Agent of Record Our score 6.4 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 5.8 | 1.74 | Contracting entity on a company register: yes; Service agreement: not public; Own security certifications: PCI DSS, SOC 1, SOC 2; Licences: none recorded; Facts on record for this criterion: 3 of 4. |
| Coverage | 20% | 7.0 | 1.40 | Countries: 0 documented, 160 claimed; Reach: 84% of the widest provider of this service; Facts on record for this criterion: 1 of 1. |
| Price | 20% | 5.0 | 1.00 | Price: published; fewer than 5 other providers price this way, so it is not ranked; Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 1 of 5. |
| Platform | 15% | 7.3 | 1.10 | API: yes; Integrations: 4; Self-serve sign-up: not disclosed; Documents in the platform: contracts yes, IP assignment not disclosed, closing documents yes; Payout methods: bank transfer, e-wallet and card; Facts on record for this criterion: 4 of 5. |
| Support | 15% | 7.5 | 1.13 | Live support channels: none listed; Live support hours: 24/7; Dedicated manager: yes; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 2 of 5. |
| Our score | 6.4 |
Employer of Record Our score 6.4 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 4.8 | 1.44 | Entities on company registers: 1; Service agreement: not public; Own security certifications: PCI DSS, SOC 1, SOC 2; Licences: none recorded; Facts on record for this criterion: 3 of 4. |
| Coverage | 20% | 5.1 | 1.02 | Countries: 0 documented, 110 claimed; Reach: 33% of the widest provider of this service; Own entities on company registers: none found; Facts on record for this criterion: 1 of 2. |
| Price | 20% | 9.0 | 1.80 | Price compared with 20 providers charging per person a month in USD; 13% of them charge less; Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 1 of 5. |
| Platform | 15% | 6.5 | 0.98 | API: yes; Integrations: 4; Self-serve sign-up: not disclosed; Documents in the platform: contracts yes, IP assignment not disclosed, closing documents not disclosed; Facts on record for this criterion: 3 of 4. |
| Support | 15% | 7.8 | 1.17 | Live support channels: none listed; Live support hours: 24/7; Dedicated manager: yes; Stated onboarding time: up to 7 days; Stated response target: not stated; Facts on record for this criterion: 3 of 5. |
| Our score | 6.4 |
Key facts
As the provider states them.
- Founded
- 2005
- Headquarters
- New York, US
- Reach
- Global
- Integrations
- 4[4]
Countries covered
Claimed is the provider’s own count. Documented countries are the ones with evidence from a company register or the provider’s own site; countries we list without evidence are not counted.
Contractor payouts
Claimed: 190 countries · Documented: None documented
Contractor management
Claimed: 160 countries · Documented: None documented
Agent of Record
Claimed: 160 countries · Documented: None documented
Employer of Record
Claimed: 110 countries · Documented: None documented
Who it fits
- Hiring patterns
- Mostly contractors
- Converting contractors to employees
- First hires in one country
- Industries
- Software and IT services
- BPO and professional services
- Marketing agencies
- Wholesale and trade
- Mobile apps and gaming
- Segments it names
- Marketplaces, platforms and enterprises that regularly pay large numbers of recipients (mass payouts: ecommerce marketplaces paying sellers, affiliate networks paying publishers, freelance platforms paying contractors, SaaS businesses paying partners); scaling businesses engaging contractors or employees abroad (Workforce Management)
Pros and cons
Pros
- Published "Starts at" prices: EOR $199 per employee a month, AOR $99 and contractor management $19 per contractor a month
- The $199 EOR price is below 16 of the 20 other US-dollar per-employee EOR prices we compare, equal to 3 and above 1
- The EOR and AOR pages say live 24/7 support with a real person at any time; the Workforce Management page lists dedicated account managers for EOR and AOR
- Stated EOR onboarding of 5 to 7 business days
- PCI DSS Level 1 certification and Type II assessments for SOC 1 and SOC 2, stated on its own Security Center
- Eight payment licences listed with named authorities (FinCEN, Central Bank of Ireland, FCA, Hong Kong Customs and Excise, Kanto Finance Bureau, ASIC, RBI, MAS), scoped to contractor payouts
- Payment API and CSV upload for mass payouts, four named accounting and ERP integrations, and payouts to a bank account, wallet or card
Cons
- No mass-payout price: the page says fees are shown before a payment is confirmed, and the general pricing page lists account fees such as 1.2% to 4% on bank withdrawals
- The Services Terms can be viewed only after signing in, and no EOR, AOR or contractor management agreement is public
- No country list for EOR (110+), AOR and contractor management (160+) or payouts (190+); we document no countries, only the claimed counts
- EOR add-ons such as background screening, health insurance and visa support cost extra, and no setup fee, deposit, minimum term or termination fee is stated for any service
- The EOR and AOR pages say 24/7 support, while the Workforce Management FAQ describes a 24x5 Help Center for employees and contractors; no hours are stated for payouts or contractor management
- No stated response target for support, and the Workforce Management pages offer a demo request but state no self-serve sign-up
- Skuad Pte. Ltd. is on the Singapore company register as the group company behind EOR, AOR and contractor management; no own entities in individual countries are listed
Reviews in brief
AI summary
Written by an AI model from the data on our pages on 15 Oct 2026. Not a recommendation, not our score, and not a quote from any assistant.
What does the data show about Payoneer as an Employer of Record?
AI
Payoneer lists EOR at $199 per employee a month, with a stated onboarding time of 5 to 7 business days and 110+ countries. Its pages name Skuad Pte. Ltd., a Payoneer group company, as the provider; that entity is on the Singapore register. The EOR page says live 24/7 support; the Workforce Management page lists dedicated account managers for EOR.
What the data does not show
No country list, setup fee, deposit, termination fee or public EOR agreement is published. Screening, insurance and visa support are paid add-ons.
What are Payoneer's main drawbacks?
AI
Terms and fees are not published before sign-in. The Services Terms are visible only after login, no mass-payout price is stated, and no Workforce Management service shows a country list or termination terms. Support hours differ by page: 24/7 for EOR and AOR, a 24x5 Help Center for employees and contractors.
What the data does not show
Payoneer states no response target for support. We found no hours stated for payouts or contractor management.
Trust and registration
- Company register
- Licences
- FinCEN MSB Registration No. 31000288349183 (Payoneer Inc.; licensed in all US states and territories where a licence is required)
- E-money institution, Payoneer Europe Limited (Reference No. C189473)
- E-money institution, Payoneer Payment Services (UK) Limited (Reference number 966835)
- Licensed Money Service Operator, Payoneer Hong Kong Limited (License No. 15-10-01734)
- Registered Fund Transfer Service Provider, Payoneer Japan Limited (Registration No. 00045)
- Licence No. 504803, Payoneer Australia Pty Limited, to deal in non-cash payment products
- Online Payment Gateway Service Provider (OPGSP), Payoneer for India (LO UIN No. MULO16008013)
- Major Payment Institution (MPI), Payoneer Singapore Pte Limited (License No. PS20200604)
- Certifications
More alternatives to Payoneer
Providers with a higher EOR score from us than Payoneer. How we score
- EOR price from
- US$459 per employee a month, billed annually
- EOR countries 160 claimed, 106 documented
- Onboarding 2–3 days
- Services EOR · COR · Contractors · Payroll
- Best for
- Companies from startups to enterprises, going by Multiplier's segment pages
- Not for
- Buyers who need the deposit amount before signing: Multiplier calculates it per contract
- Top pro
- Own SOC 2 (Type I and II), SOC 3 and ISO 27001:2022 on its security page; the AWS certifications listed there are kept apart as the host's
- Top con
- The "from" prices assume an annual contract. Monthly EOR costs $499 on Core and $559 on Growth, about 11% of countries are priced differently, and compliance-mandated add-ons come on top of EOR and COR
- G24.7/5· 2,124
Signals checked 29 Jun 2026
- EOR price from
- US$399 per employee a month
- EOR countries 180 claimed, 157 documented
- Onboarding 2–5 days
- Deposit 1 month
- Minimum term None
- Services EOR · Contractors · Payroll
- Best for
- Companies from startups to enterprises: Playroll has pages for each, and its case studies include startups under 100 staff and mid-market firms of 100 to 1,000
- Not for
- Contractors who want to be paid other than through Payoneer, the only payout route Playroll uses
- Top pro
- Its own country pages document EOR hiring in 151 countries + 6 territories, against a claim of 180+
- Top con
- A refundable deposit of one month's salary per EOR employee; the unused part comes back within two months of the last working day, or once claims are settled if that is later
- G24.7/5· 198
Signals checked 21 Jul 2026
- EOR price from
- €299 per employee a month
- EOR countries 180 claimed, 135 documented
- Onboarding 3–4 days
- Deposit 1 month
- Minimum term None
- Services EOR · COR · Contractors
- Best for
- Companies making their first hire in a new country through an employer of record
- Not for
- Buyers whose security review requires the vendor's own SOC 2 or ISO 27001 certificate
- Top pro
- EOR from €299 per employee a month on the pricing page, varying by country and headcount, with no setup or termination fee
- Top con
- SOC 2 Type II and ISO 27001 are held by AWS, its host; no Rivermate certificate is published
Questions people ask
Which services does Payoneer offer?
We score four: mass payouts to payees (contractor payouts), contractor management, Agent of Record and Employer of Record. The last three sit under Workforce Management, which Payoneer's pages say is provided by Skuad Pte. Ltd., a Payoneer group company. Payoneer lists no standalone global payroll product; payroll is part of EOR.
What does Payoneer charge?
Workforce Management pages say Employer of Record starts at $199 per employee a month, Agent of Record at $99 and the Contractor Management System at $19 per contractor a month, with pricing that may vary by country, services and role. Mass payouts have no stated price. The general pricing page lists account fees, for example 1.2% to 4% for a bank withdrawal in a non-local currency (payoneer.com, checked 2026-10-15).
Does Payoneer offer Employer of Record?
Yes. The EOR page lists 110+ countries, onboarding typically in 5 to 7 business days and a price from $199 per employee a month. Talent discovery, background screening, private health insurance, visa support, equipment and coworking cost extra. The page names Skuad Pte. Ltd. as the provider.
In how many countries does Payoneer operate?
Payoneer states 190+ countries and territories for mass payouts, 160+ for AOR and contractor management, and 110+ for EOR. It publishes no country list for any of them, so we document no countries and show the claimed counts only.
Is support available around the clock?
The AOR and EOR pages say 24/7 support with a real person at any time, and 20+ languages; the AOR page adds a team in 35 countries. The Workforce Management FAQ describes a 24x5 Help Center for employees and contractors. No hours are stated for mass payouts or contractor management, and no response target is stated.
What security certifications and licences does Payoneer hold?
Payoneer's Security Center lists PCI DSS Level 1 certification, plus independent Type II assessments of SOC 1 and SOC 2 controls. Its licences page lists eight payment licences, such as FinCEN registration and Central Bank of Ireland and FCA e-money authorisations. The page does not say which entity contracts for Workforce Management.
What payout methods does Payoneer support?
A Payoneer account, a local bank account, an e-wallet and an eligible Payoneer card, where supported. Payoneer's site navigation lists stablecoin payments in USDT and USDC under Send Payments; the mass payouts page does not say whether payees can receive them.
Sources
- Payoneer mass payouts, Payoneer · checked 15 Oct 2026
- Payoneer pricing, Payoneer · checked 15 Oct 2026
- Payoneer site navigation, stablecoin payments, Payoneer · checked 15 Oct 2026
- Payoneer Contractor Management System, Payoneer · checked 15 Oct 2026
- Payoneer Workforce Management, Payoneer · checked 15 Oct 2026
- Payoneer Agent of Record, Payoneer · checked 15 Oct 2026
- Payoneer Employer of Record, Payoneer · checked 15 Oct 2026
How this page is built
Last checked: 15 Oct 2026.