Short answer:
Withdraw your earnings from your Payoneer account to your Offramp USD account, and instantly convert to USDC. You'll pay a single 0.5% receiving fee, bypassing Payoneer’s complex fees that can cost you up to 3% or more, plus maintenance fees.
The challenge remote workers face
If you're a freelancer or digital native in Asia, LATAM, or Africa, Payoneer is a vital tool. But getting your money out is where the costs add up. Payoneer’s fee structure can be expensive and complex:
- High withdrawal & conversion fees: Payoneer charges up to 2% above the market rate to convert your USD to a local currency, on top of other withdrawal fees.
- Costly receiving methods: While some methods are free, receiving payments via ACH bank debit costs 1%, and getting paid by credit card costs 3%.
- Slow bank transfers: After paying the fees, you still have to wait 3-5 business days for the money to clear in your local bank account, where it starts losing value to inflation.
Offramp breaks this cycle. We give you a direct US-based USD account, allowing you to withdraw from Payoneer like a local and instantly convert to stablecoins like USDT for a simple, flat 0.5% fee.
Step-by-Step: Payoneer → Offramp VISA card
Step 1: Open your Offramp app and get your USD account details (Routing Number, Account Number, Bank Name).
Step 2: In Payoneer, navigate to Banks & Cards > Bank Accounts and link your Offramp USD account details. Complete the micro-deposit verification (this can take 1–2 business days).
Step 3: Once verified, go to Withdraw & Transfer > Withdraw to Bank in Payoneer. Select your Offramp account and confirm the amount.
Step 4: Funds arrive in your Offramp account in 1–3 business days. Offramp charges a single, flat 0.5% fee to receive the funds.
Step 5: Instantly convert your USD to USDC (Polygon). Your funds are now on-chain, ready to be spent, saved, or transferred globally.
The Offramp USD account: Your gateway to global payments
Payoneer may charge up to 3.20% + $0.49 for credit card client payments, 1% for ACH, $1.50–0.5% per withdrawal, plus card-related fees. In contrast, Offramp keeps it simple: 0.5% receiving fee, no annual or card fees, and instant stablecoin conversion for flexible spending.
Instead of routing through local banks, Offramp provides you with a US-based account, built for professionals worldwide.
Why it’s a game changer:
- Ultra-low fees — 0% account issuance, 0% maintenance, flat 0.5% receiving fee.
- High transaction limits — Up to $10k per transaction, $100k/month from business platforms.
- Multi-platform compatibility — Payoneer, Wise, PayPal, Airbnb, Deel, ACH, Wires, Google Pay, Apple Pay.
- Fast transfers — Same-Day ACH or 1–3 business day standard ACH/Wire.
Pro-tip for emerging markets: Avoid bank bottlenecks
If you withdraw Payoneer funds to your local bank, you risk losing 5–10% of your income between fees and bad exchange rates — plus waiting days or weeks. Offramp’s method avoids all of these layers—saving you significant costs while putting your full earnings to use.
With Offramp, you:
- Link your Offramp USD account directly to Payoneer.
- Receive USD payouts fast with a flat 0.5% fee.
- Convert to stablecoins like USDT instantly, protecting against currency devaluation.
- Spend globally with your Offramp VISA card — from groceries and travel to SaaS subscriptions.
It’s faster than Payoneer local withdrawals, cheaper than banks, and gives you instant purchasing power in USD or crypto.
A final summary:
Don’t let outdated systems reduce your hard-earned income. With Offramp, you keep more of what you earn and gain true financial flexibility.
- Offramp slashes fees: Only 0.5% vs Payoneer’s 1–3% range and fixed charges. No account or maintenance fees — free to use.
- Better earning retention: No annual or card fees, no FX markups.
- Faster, richer flexibility: Stablecoins unlock immediate, global spending power—no legacy banking delays.
👉 Get started with Offramp today to experience financial freedom.