How To Load Payoneer Card? [Step-by-Step Instructions]

Since Mastercard provides a prepaid card associated with Payoneer you need to understand and follow some criteria before proceeding with the top-up. There are several ways you can load up your Payoneer account.

But when using your Payoneer Mastercard, you must load it up before making any purchase or using ATMs for cash out. Thus, let’s dig in to know the correct and effective way to know how to load a Payoneer card to use it in real-time for transactions.

Different Ways To Load Payoneer Account For Topping Up Payoneer Card

To use your Payoneer card for any online purchase or take out cash in local currencies from the ATM, it must have a sufficient balance. This balance comes from your Payoneer account.

Payoneer Mastercard is a prepaid card and it cannot be topped up directly unlike other debit cards from banks or payment providers. Here are some methods you can use to receive payments in your Payoneer Account.

Using The Global Payment Service

With Payoneer’s Global Payment Service, you may accept payments from organizations and people all around the world. Once you have successfully opened a verified Payoneer account with proper details, you will get a virtual bank account based in the USA for enabling online transactions.

It enables you to receive payments in several different currencies, such as USD, EUR, GBP, JPY, and other supported currencies by Payoneer. As a result, you can accept payments straight into your Payoneer account.

All you need is to give payers or marketplaces or organizations the information for your Payoneer virtual account to receive payments directly in your account. This amount can be loaded to your Payoneer Mastercard afterward.

Through Supported Online Marketplaces

Payoneer is one of the most trusted mediums for freelancers to receive payments from their clients. Around 2000 online marketplaces are associated with Payoneer as their payment partners.

These marketplaces such as Upwork, Fiverr, etc are linked directly with Payoneer to complete payment procedures for freelancers from the clients.

Hence if you are a verified seller on such websites, you can request payments to your Payoneer account directly from the clients. After receiving your payment, the Payoneer card can be loaded quite easily.

From Different Payment Providers

Similar to Payoneer, there are other international payment providers such as Skrill and PayPal. You can receive funds to your Pyoneer account through any of such supported payment providers. These accounts can be of an individual, a business, or an organization.

Moreover, a Payoneer to Payoneer fund transfer is another way to top up your account. If you have known an individual or an organization with a Payoneer account, you can request to transfer a specific amount of funds to your Payoneer account.

A different approach is that you get your own verified Payoneer business account and fund your Payoneer account as much as you like. Afterward, this fund can be loaded up onto your Payoneer cards.

Using Bank Wire Transfers

Payoneer doesn’t support direct self-funding through bank transfers or top-ups. However, you can use international money transfer or currency exchange service providers such as Wise. This is a two-way method to load up your Payoneer account from your bank.

Here, Wise acts as a medium to transfer and exchange the local currency from your bank to your Payoneer account.

As a result, you must have a verified and activated Wise account linked up with your bank or associated Debit/Credit cards. It is for transferring currency to Wise.

Afterward, you would need your Payoneer-provided virtual bank account credentials to receive payments from Wise. This way you can get your money from your bank to Payoneer through Wise.

How To Load Payoneer Card?

Now that you know the ways to transfer funds to your Payoneer account. It is time to get into loading up your Payoneer Mastercard to use your Payoneer fund for online payments or cash it out in local currency.

How To Load Payoneer Card

Step 1: Log In To Your Payoneer Account

You must have a verified and activated Payoneer MasterCard to load your card from Payoneer. Now, log in to your Payoneer account from the Payoneer application on your smartphone or desktop. After logging in, go to the dashboard.

On this page, you can see your available balances in different currencies. Be advised you have a minimum amount for loading up your Payoneer card.

Tap on the “Settings” button located on the top-right of the web page. After that select “Payoneer Cards” to proceed to the next step.

Log In To Your Payoneer Account

Step 2: Activate Your Payoneer Card Top-Up Option

On the next page, you can see all your active Payoneer cards along with their details such as card number and expiry date.

If you have more than one Payoneer card, you must select the card which you want to load up from this page.

You will get a “Top Up” button on your selected card showing that you can not use your Payoneer funds through your card. Tap on the button to get to the next page.

Activate Your Payoneer Card Top-Up Option

Step 3: Top Up Your Payoneer Card

A new window will pop up saying “Card Top-up Settings”. Click on the Top-up button to activate your card to use the funds from your Payoneer account.

After activating, you will get options to set the limit of the balance you want your Payoneer card to use the balance from the account.

Top Up Your Payoneer Card

A maximum of $10,000 from your Payoneer account can be used through your Payoneer Mastercard.

You can set your custom limit if you want to load your Payoneer card with less than $10,000. After fulfilling all credentials click on the “Save” button.

click on the “Save” button

Your Payoneer card is now active for using it in online payments, and in-store purchases through POS machines or ATMs.

Be advised that you can only use the amount you have selected to load your Payoneer card from the balance available on your Payoneer account. Any transaction exceeding the limit will be denied.

Things To Know Before Loading Payoneer Card

Check out these facts before proceeding to load your Payoneer Mastercard.

  • Your Payoneer card must be verified, linked, and active for the top-up.
  • You can not use more than $10,000 in each of your cards for transactions even if your Payoneer account has more balance.
  • The Payoneer account must have a minimum balance to top-up your card.

How Can I Get A Verified Payoneer Business Account?

The easiest way to add funds to your personal Payoneer account is via Payoneer business accounts.

But getting a verified Payoneer business account is not that easy as it requires a lot of documents to be provided to Payoneer for verification.

But you can avail of a Payoneer business account already being verified and ready to use for yourself easily.

The sites offer attractive pricing and instant custom support to make your purchase smooth and doubtless.


Check out the following inquiries to learn more about Payoneer cards’ functions and how to load them up with supported currencies.

Can I withdraw from Payoneer MasterCard?

You can withdraw cash in local currencies from any ATM in the world. The primary criterion is that the ATM must have access to Mastercard. Besides multi-currency-enabled ATMs, you can withdraw cash in USD, EUR or JPY, etc.

Is it free to add funds to the Payoneer card?

It is completely free to add funds to Payoneer MasterCard. All you need is to have a sufficient balance in your Payoneer account which can be used using the linked Payoneer card. Simply turn on the top-up option to add funds.

Can I transfer money from my bank account to Payoneer?

You cannot directly transfer money from your bank account to Payoneer. Payoneer only supports balance transfers from business accounts and supported partners as channels and Global Payment Services.

Can I send money to Payoneer using a credit card?

You cannot transfer money from local bank-approved credit cards to any Payoneer account. Only Payoneer to Payoneer account transfer is approved along with verified companies or marketplaces can send money to Payoneer accounts of individuals.

Final Words

Loading up your Payoneer card is simple provided you have met all your criteria fulfilled and verified.

But unlike conventional prepaid debit cards from local banking channels, it is not possible to load a Payoneer card.

You must have a Payoneer account with a minimum fund which is associated with Payoneer Mastercard to load it up.

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