Payoneer operates as a comprehensive payment processing platform and online payment gateway, catering to businesses, freelancers, and professionals worldwide. Here's a simplified overview of how it works:

Account Setup: Users sign up for a Payoneer account, which involves providing some personal and business details to comply with verification processes.
Receiving Payments: Payoneer allows users to receive payments from clients and companies globally, offering the convenience of multi-currency accounts. This is particularly advantageous for dealing with different currencies without the need for multiple bank accounts.
Accessing Funds: Users can withdraw their funds directly to their local bank accounts in their local currency, use them with a Payoneer prepaid Mastercard for transactions wherever Mastercard is accepted, or make payments to suppliers and contractors directly from their Payoneer account.
Payoneer Fees and Charges: Payoneer pricing includes various fees for its services, such as transaction fees for receiving and withdrawing funds, conversion fees for currency exchange, and possibly a Payoneer annual fee for account maintenance. These Payoneer fees and charges are competitive within the industry and are clearly outlined in the service agreement.

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