Payoneer Invoice Payments | Easy Guide

Mike Renaldi

If your company uses Payoneer, you can set up invoice payments on the platform and issue them out domestically or globally. In this article, you'll learn find out how you can smooth out your invoicing process with Payoneer.

In addition, we'll talk about Wise Business, a great Payoneer alternative for invoice payments.

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Setting Up Payoneer Invoice Payments

To set up Payoneer invoice payments, you’ll first need to sign up for a Payoneer account. Payoneer will help you choose the right account type for your business needs, whether you’re a freelancer, online seller, marketplace, or SME. Once you sign up for your account, you can get free access to Payoneer’s invoicing platform.

The first time using ‘Request a Payment’ will require you to provide information about your business and submit documents to confirm your identity. These are standard security measures put in place by Payoneer to prevent identity theft and fraud. After you’re verified, you’ll be able to send invoices whenever you like.

How to Send an Invoice on Payoneer

Sending out an invoice is easy – all you have to do is send a payment request to a recipient and attach the invoice you made. Alternatively, you can also create your own and attach that instead. Here are the steps to sending an invoice on Payoneer:

  1. Request a Payment – From the account menu, select ‘Get Paid’ and navigate to ‘Request a Payment.’ Choose the client you’re looking to invoice from your contracts or add a new contact. From here, you’ll need to input all the information about the payer.
  2. Add the Payment Request Information – Payment request information includes the amount you’re sending, the payment currency, a short description of the services or products being paid for, and a payment due date. Depending on the payer’s location, you may also need to ensure tax compliance.
  3. Attach Your Invoice – You can either use Payoneer’s own invoice creator or create your own invoice and attach it to your Payoneer payment request.
  4. Review and Send – Once you’ve reviewed the request and are happy with how everything looks, click ‘Request Payment’, and your client will receive your invoice and payment details in a consolidated email. When the client sends payment, you’ll receive a confirmation email for confirmation. If you want to see the most updated status of your payment request, follow the steps below, and instead of clicking the Details tab, click the ‘Timeline tab.’

Wise International Business Account

Wise Business offers a great global account, which gives you the ability to send money at the mid-market exchange rate.

Hold 40+ currenciesFree with account
Receive in global currencies (USD, GBP, EUR, CAD, AUD, JPY, and more)A one-time fee then receive payments at no extra cost
Send money at the mid-market rateStarts a low as 0.43%
Batch Payments - pay up to 1000 invoices in one clickFree with account
Wise Accounting Software - QuickBooks, Xero, Wave, NetSuite, FreeAgent, SageFree with account

See how much you can pay on transfers with Wise Business:

How to Record Payoneer Invoice Payments

Payoneer also keeps a record of all your invoices through your Payoneer account tabs so you can keep track of your payments for record-keeping purposes. To look through invoices you’ve sent, follow these steps:

  1. Sign into your Payoneer account
  2. Navigate to ‘Activity’ from the main menu and click on ‘Payment Requests Sent.’
  3. Click on the payment request you want to view the details of, from the table.
  4. From here, you can click on the Details tab to view all the details associated with the payment request.

Payoneer Receive Money Fees (vs. Wise Business)

Payoneer - Get paid
  • From Payoneer customers: free
  • Directly by clients: 3% credit card fee and 1% ACH bank debit fee
  • Directly by networks and marketplaces: Fees determined by networks and marketplaces
  • From receiving accounts: Free with EUR, GBP, and others. 0-1% with USD
Payoneer Currency management
  • 0.5% fee for moving funds between different currencies
Wise Business - Get paid
  • From Wise customers: free
  • Directly by clients: 1-3% credit card fee
  • Withdrawing from marketplaces No Wise Business charge on non-wire payments (one-time fee) for local account details, such as GBP, EUR, USD, CAD, AUD, JPY, and more
  • Wire payments: Flat fee 4.14 USD and 10 CAD for Swift
Wise Business Currency management
  • From 0.43% fee for moving funds between different currencies

Save time with the
free invoice generator from Wise

Payoneer Invoice FAQ

Can you invoice through Payoneer?

Yes – you can invoice through Payoneer. No matter who you’re paying or where they’re located, Payoneer lets you invoice payments globally. Once you’re logged into your account, there are only a few steps required to get an invoice and payment details to your client. You can also attach a personalized message and files if needed.

Can you create an invoice on Payoneer?

While you can create your own invoice using other invoice generators or classic platforms like Microsoft Word or Google Docs, Payoneer also has its own invoice functionality. Their online invoice builder allows business owners to create professional and customized invoices featuring your business logo and other essential details. You can generate unlimited invoices, download them as PDFs, and keep track of all your invoices and client details through the platform.1

Can I pay someone on Payoneer without an account?

Yes – you can still fulfill payment requests from Payoneer users even without a Payoneer account. Simply click the link provided in the payment request email and pay in your preferred way. However, keep in mind that the fees might be higher if you’re transacting as a non-Payoneer user.

If you want to minimize these fees or pay for free, it might be smarter to consider setting up a free Payoneer account. While receiving payments from another Payoneer customer’s balance is free in EUR, USD, GBP, and more currencies, you’ll be charged a 3% fee through credit card and 1% through ACH bank debit.

Save time with the
free invoice generator from Wise

How do I pay through Payoneer?

To pay clients, suppliers, and other recipients through Payoneer, start by creating a free account. From here, navigate to the ‘Make a Payment’ section and choose either another Payoneer member or a bank account. Enter all the required payment and recipient details and click ‘Pay.’ Payoneer allows you to pay like a local in several popular currencies and make batch payments as well. If you’re paying an invoice or a payment request, an email will be sent directly to you with all the details.

Is Payoneer a payment method?

Payoneer acts as a payment gateway that allows you to make payments in major currencies and on a variety of marketplaces. Businesses and freelancers can get paid from marketplaces or directly from clients using credit cards and other popular methods or integrate Payoneer Checkout on their online store. Payoneer Checkout comes with 120+ currencies and multiple payment methods, including local payment options for the customer.2

How do I bill clients with Payoneer?

You can bill clients using Payoneer by sending a payment request and, depending on your preferences, attaching an invoice either created on your own or using Payoneer’s invoice builder. The client will receive a payment request by email with instructions on how to pay and supported payment methods.



1 - Payoneer - Free Invoice Builder
2 - Payoneer - Checkout
3- Wise Trustpilot

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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