The Ultimate How-to Guide: Receiving Amazon Payments via Payoneer

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Payoneer offers a seamless solution for digital entrepreneurs and freelancers, especially those in Africa, looking for efficient ways to withdraw funds from Amazon and manage cross-border payments. Recognized for its global reach, Payoneer facilitates easy access to earnings for Amazon sellers and affiliate marketers by providing a bank solution that is both reliable and widely accepted. With millions trusting Payoneer for their financial transactions, it stands as one of the premier platforms for managing Amazon payments, answering the growing question of “Can I use Payoneer on Amazon?”

This guide will navigate through the procedures on how to add Payoneer account to Amazon KDP, link Payoneer to Amazon for effortless transaction management, and explore the benefits of using Payoneer for Amazon payments. Tailored to help you maximize your earnings by efficiently managing your payments, it addresses common challenges and offers solutions for those looking to grow globally. Whether you are a freelancer, a service provider, or a seller, understanding and implementing the right payment methods is crucial for business expansion and global success.

Understanding Payoneer

Payoneer is a comprehensive digital payment platform that serves over 4 million customers across the globe, providing a crucial bridge for freelancers, businesses, and marketplaces to manage cross-border payments efficiently. Here are some essential features and capabilities of Payoneer:

  • Global Reach and Accessibility: Payoneer supports multiple languages including English, Spanish, Chinese, and more, making it accessible to a wide demographic. It operates in over 200 countries, offering services in 70 currencies which facilitates ease of business for users from diverse linguistic backgrounds.
  • Flexible Account Options: Users can choose between individual and business accounts depending on their needs. Each account comes with an e-wallet or virtual bank account, enabling users to send and receive money, pay suppliers, and manage various other financial activities from a unified platform.
  • Partnerships and Integrations: Payoneer has formed strategic partnerships with major online marketplaces such as Amazon and eBay, enhancing the ease with which sellers can receive their payments. Additionally, Payoneer’s integration with platforms like Airbnb and Google underscores its reliability and widespread acceptance.

Transaction Features and Financial Services:

  • Fee Structure: Payoneer allows free transactions between Payoneer accounts and offers competitive fees for international transactions, although it includes a currency conversion charge of 2% to 2.75%. It also provides a detailed breakdown of fees for various services, ensuring transparency.
  • Security Measures: The platform uses a multilayered approach to ensure the security of its users’ funds, focusing on prevention and detection of account takeovers.
  • Payment Flexibility: Payoneer users can receive funds directly into their accounts from over 200 marketplaces. Local collection accounts are provided in around 12 top currencies, simplifying the process of receiving international payments without worrying about conversion rates.

Additional Benefits:

  • Payoneer Mastercard: Users can apply for a Payoneer card after receiving a minimum of 100 USD. This card can be used globally, anywhere Mastercard is accepted, for both online and offline transactions.
  • Mobile and Online Accessibility: The Payoneer mobile app, available for both iOS and Android, allows users to manage their transactions and funds on the go. Payoneer also offers an online payment acceptance solution, Payoneer Checkout, for merchants to accept card payments in multiple currencies.
  • Customer Support: Payoneer provides 24/7 customer service, ensuring that users can get assistance whenever needed, enhancing the overall user experience and reliability of the service.

These features collectively make Payoneer a robust solution for managing and receiving payments globally, particularly beneficial for users involved with platforms like Amazon. Payoneer’s focus on security, along with its user-friendly interface and support for multiple currencies and languages, positions it as a preferred choice for international transactions.

Setting Up Your Payoneer Account

Setting up a Payoneer account is straightforward and can be accomplished in a few simple steps. Here’s how you can get started:

Step-by-Step Guide to Creating a Payoneer Account

  1. Visit the Payoneer Website:
  2. Enter Your Personal Information:
    • Provide your name, email address, and date of birth.
    • Fill in your physical address accurately to ensure proper account setup.
  3. Set Up Security Details:
    • Choose a strong password.
    • Select a security question and answer, which will be used for account recovery purposes.
  4. Verify Your Email:
    • Check your email for a verification link from Payoneer.
    • Click on the link to confirm your email address.
  5. Complete Identity Verification:
    • Upload a copy of your passport, national ID card, or driver’s license.
    • This step is crucial for complying with international regulations and securing your account.
  6. Link Your Local Bank Account:
    • Enter details of your local bank account where you wish to withdraw your funds.
    • This step is essential for facilitating withdrawals from your Payoneer account.
  7. Request Receiving Accounts:
    • Apply for receiving accounts in the countries where you conduct business.
    • These accounts allow you to receive payments as if you had a local bank account in those countries.

Additional Steps for Enhanced Functionality

  • Order a Payoneer Card:
    • Once you receive a minimum of 100 USD in your account, you can order a Payoneer card, useful for transactions where Mastercard is accepted.
  • Connect with Amazon:
    • For Amazon sellers and affiliates, link your Payoneer account to your Amazon profile to start receiving payments directly.

By following these steps, you can set up your Payoneer account efficiently and begin managing international transactions with ease. Payoneer’s platform not only simplifies the process of receiving payments from global marketplaces like Amazon but also offers tools for handling multiple currencies and withdrawing funds seamlessly.

Linking Payoneer with Your Amazon Affiliate Account

Linking your Payoneer account with your Amazon Affiliate Account involves several steps and considerations to ensure a smooth setup and avoid common pitfalls. Here’s a detailed guide to help you navigate this process effectively:

Initial Setup for Various Amazon Marketplaces

To link your Payoneer account to different Amazon marketplaces, follow these region-specific steps:

  • (US):
    1. Access the “Global Payment Service” from your Payoneer dashboard.
    2. Select the USD receiving account.
    3. Enter the details into the Associates Central affiliate dashboard.
  • (Canada):
    1. Click on “CAD” at the bottom of the list of currencies in the Payoneer dashboard.
    2. Request approval for a CAD account.
    3. Once approved, follow the same steps as for
  • European Amazon Marketplaces (DE, FR, IT, ES):
    1. Navigate to “Global Payment Service” in your Payoneer dashboard.
    2. Select the EUR receiving account.
    3. Enter the necessary details into the respective Amazon Associates account (,, etc.).

Troubleshooting Common Issues

Encountering issues during the linking process can be frustrating. Here are solutions to some common problems:

  • KYC and Account Verification Issues:
    If Amazon displays an error related to KYC/PSP, ensure that your Payoneer account is fully verified. Contact Payoneer directly if discrepancies continue, as there might be an internal issue between Payoneer and Amazon.
  • Payoneer Card Rejection:
    Amazon may reject Payoneer cards due to them being prepaid rather than standard debit cards. Ensure your card has sufficient funds, is not expired, and check with Payoneer for any security blocks.

Ensuring Successful Connection

To maintain a successful connection between your Payoneer and Amazon accounts, regularly check the status of your developer access and MWS Auth Token in Amazon Seller Central:

  • Developer Access:
    Verify that Payoneer’s developer access to Amazon Seller Central is valid. Renew it if necessary to avoid disruptions in your store’s connectivity.
  • MWS Auth Token:
    Ensure that the MWS Auth Token for your store has not expired or been revoked. Regularly confirm that your store is active, as Amazon will not allow connections to inactive or deactivated stores.

By following these detailed steps and addressing common issues proactively, you can effectively link your Payoneer account to your Amazon Affiliate account, facilitating smoother transactions and better management of your earnings.

Navigating the Global Payment Service

Navigating the Global Payment Service within Payoneer is essential for managing multi-currency payments effectively, especially when dealing with platforms like Amazon. Here’s a focused guide on how to utilize this feature for optimal financial management:

Receiving and Managing Funds

  • Receiving Accounts: When setting up your Payoneer account to receive payments from Amazon, it’s crucial to understand that these receiving accounts are designed to only receive funds; they cannot be used to debit money. Ensure that you provide your clients or the Amazon Seller Central with the correct details of your receiving accounts to avoid any transaction issues.
  • Multi-Currency Management: Payoneer allows you to receive payments in various currencies through local receiving accounts. This is particularly beneficial for Amazon sellers operating in different geographical markets. You can manage these currencies by transferring funds between balances within your Payoneer account, depending on your business needs.

Utilizing Payoneer for Business Operations

  • Comprehensive Business Solutions:
    • Freelancers and Businesses: Both freelancers and businesses can leverage Payoneer not just for receiving funds but also for paying invoices, suppliers, and business expenses. This can be done directly from your Payoneer account, making the process streamlined and efficient.
    • Capital Advance: For further business growth, Payoneer offers a Capital Advance service. This feature provides an advance on your future earnings, giving you the flexibility to invest in your business without immediate financial strain.

Exclusive Benefits and Partnerships

  • Partners Directory: Payoneer’s Partners Directory includes exclusive offers that can be beneficial for users looking to optimize their operations and costs.
  • Automated Services: The platform supports automated payment collection, risk and fraud prevention, and even automated tax payments, which are crucial for businesses operating at an international level. This automation ensures that your transactions are not only secure but also compliant with relevant tax regulations.

By effectively utilizing Payoneer’s Global Payment Service, users can simplify their financial operations and focus more on expanding their business reach. Whether it’s receiving funds from international marketplaces or managing multiple currencies, Payoneer provides a robust platform tailored to meet diverse business needs.

Handling Multiple Currencies

Handling multiple currencies efficiently is crucial for Amazon sellers using Payoneer, especially when expanding globally. Payoneer simplifies this process with its robust multi-currency management features. Here’s how you can leverage these capabilities to enhance your business operations:

  • Receiving and Managing Multiple Currencies:
    • Local Receiving Accounts: Set up local receiving accounts in major currencies such as USD, EUR, GBP, and more. This allows you to receive payments from Amazon marketplaces without incurring high foreign transfer fees.
    • Currency Conversion: Convert your earnings into your local currency at competitive rates directly within your Payoneer account. This feature is particularly useful when you need to withdraw funds or make business-related payments.
    • Transfer to Local Bank: Easily transfer your earnings from Payoneer to your local bank account in the currency of your choice, facilitating convenient access to your funds.
  • Utilizing Funds for Business Growth:
    • Supplier Payments: Use the funds in your Payoneer account to pay suppliers and remote teams directly, which can be done in multiple currencies, reducing the need for currency conversion.
    • Capital Advance: Take advantage of Payoneer’s Capital Advance feature for funding business growth. This advance helps manage cash flow by providing upfront capital based on your future receivables.
  • Exclusive Benefits for Currency Management:
    • Automated Services: Payoneer offers automated tools for risk and fraud prevention, and automated tax payments, ensuring compliance and security for your transactions.
    • Partners Directory: Access exclusive offers from Payoneer’s Partners Directory to save on costs and enhance your business operations.

By integrating these strategies into your business practices, you can manage multiple currencies more effectively, ensuring smoother operations and potentially lower costs. Payoneer’s platform is designed to support the dynamic needs of global e-commerce sellers, providing tools that facilitate not just currency management but also broader financial operations.

The Benefits of Using Payoneer for Amazon Payments

Payoneer serves as a versatile financial platform offering a plethora of benefits for Amazon sellers, freelancers, and businesses engaged in global commerce. Here are some of the key advantages of using Payoneer for Amazon payments:

Financial Benefits and Savings

  • Reduced Currency Conversion Fees: Payoneer allows sellers to bypass the typical Amazon currency conversion fees, which range from 2% to 4%. This direct saving enhances profit margins significantly.
  • Competitive Rates for Amazon FBA Sellers: Amazon FBA sellers benefit from favorable terms with no credit check required, streamlining the process of managing finances.
  • Lower Transaction Fees: Compared to other payment methods, particularly for international transactions, Payoneer charges lower fees, making it a cost-effective choice for global sellers.

Enhanced Transactional Efficiency

  • Faster and More Secure Payments: Transactions through Payoneer are not only faster but also come with enhanced security, giving sellers peace of mind.
  • Simplified Cross-Border Payments and Compliance: The platform simplifies the complexities associated with cross-border payments and adheres to international compliance standards, reducing administrative burdens.
  • Direct Withdrawals and Payments: Sellers can transfer earnings directly to their local bank accounts or use the Payoneer card to make payments to suppliers and remote teams, withdraw cash from ATMs, or spend locally.

Comprehensive Support and Services

  • 24/7 Customer Support: Payoneer provides round-the-clock customer service, ensuring that sellers can receive assistance with any payment issues or concerns at any time.
  • Access to a Wide Range of Payment Methods: With options including credit card, bank transfer, ACH bank debit (US only), and direct bank payment (UK only), Payoneer offers flexibility in how clients and marketplaces can settle payments.
  • Mass Payout Services: For businesses and marketplaces looking to distribute payments to multiple recipients, Payoneer’s mass payout services offer a streamlined solution.

These features collectively position Payoneer as a robust tool for managing and receiving Amazon payments, offering both operational efficiencies and financial benefits that cater to the diverse needs of global e-commerce sellers.

Common Challenges and Solutions

When utilizing Payoneer for Amazon payments, users may encounter several common challenges. Addressing these effectively can enhance your experience and streamline your financial operations.

Common Challenges and Solutions

1. Payment Request Errors:

  • Issue: If a payment request fails, it might be due to the sender’s location, as Payoneer allows payment requests to specific countries only.
  • Solution: Always verify the payer’s country is supported by Payoneer before initiating a transaction.

2. Payoneer Card Arrival Delays:

  • Issue: International shipping of Payoneer cards can take between 20-28 days, potentially delaying access to funds.
  • Solution: Track the card’s estimated arrival through the confirmation email received upon ordering. Plan your financial activities accordingly to accommodate this waiting period.

3. Transaction Fees Comparison:

  • Issue: Payoneer charges a 1% transaction fee, which may affect profit margins when compared to providers like WorldFirst that do not charge this fee.
  • Solution: Evaluate the overall benefits such as lower currency conversion fees and faster transaction times that Payoneer offers to determine if the cost is justified by your business needs.

4. Supplier Payment Issues:

  • Issue: Using Payoneer’s debit card incurs an additional charge of 5% for PayPal transactions, totaling a 6% fee.
  • Solution: Consider alternative payment methods for large orders or negotiate terms with suppliers who accept Payoneer directly to avoid high fees.

5. Compliance and Financial Management:

  • Complexity in Managing Finances Across Borders:
    • Solution: Utilize Payoneer’s tools for simplifying financial management and reporting, which are tailored to handle compliance and multi-currency transactions efficiently.

6. Oversized Product Challenges on Amazon:

  • Issue: Amazon may classify a product as oversized, leading to higher shipping costs and storage fees.
  • Solution: Explore options to redesign the product’s packaging to be more compact, potentially reclassifying it to avoid oversized categorization.

7. Inventory and Warehouse Management:

  • Issue: Amazon might request that inventory be sent to only one warehouse, which could complicate logistics.
  • Solution: Stay flexible with inventory distribution strategies and consider using Amazon’s FBA service to manage multiple warehouse demands effectively.

By proactively addressing these challenges with the outlined solutions, users can optimize their use of Payoneer for Amazon payments, ensuring smoother transactions and better financial management.

Maximizing Your Earnings Through Efficient Payment Methods

Maximizing earnings through efficient payment methods involves a strategic approach to managing and receiving funds. Here are key strategies to enhance profit margins and streamline financial operations for Amazon sellers using Payoneer:

Streamlined Payment Receiving and Management

  • Faster Payment Processing: While payments may take up to five business days to show up in a Payoneer account, using Payoneer ensures that Amazon sellers receive their payments faster and more securely. This promptness aids in better cash flow management.
  • Direct Account Management Tools:
    • Amazon Store Manager: This tool aggregates all Amazon income and activities, providing an easy-to-use interface for managing transactions.
    • Instant Statements: Access bank account statements for all Amazon store balances across different currencies, allowing for a comprehensive view of financial status.
    • Export Payment Data: Sellers can download payment data to analyze trends, helping in strategic decision-making and financial planning.

Cost Efficiency and Expanded Payment Options

  • Reduced Transaction Fees: Payoneer offers lower transaction fees compared to other platforms, which helps increase profit margins for sellers.
  • Diverse Payment Methods: With access to a broader range of payment methods, sellers can expand their business reach and accommodate more customers from different regions.

Simplifying Financial Operations

  • Cross-Border Payments and Compliance: Payoneer simplifies the complexities of cross-border payments and adheres to international compliance standards, which is crucial for sellers looking to expand into new markets.
  • Financial Management and Reporting: The platform offers tools that simplify financial management and reporting, allowing sellers to focus more on growth and less on administrative tasks.

By leveraging these features and strategies, Amazon sellers can optimize their use of Payoneer to not just manage but also maximize their earnings efficiently.


Through this comprehensive guide, we have explored the multifaceted benefits and practicalities of integrating Payoneer with Amazon, spotlighting the platform’s capability to streamline financial transactions for freelancers, digital entrepreneurs, and Amazon sellers across the globe. We delved into how Payoneer acts as an essential tool for managing cross-border payments, providing secure, efficient, and cost-effective solutions tailored for global commerce. By highlighting the procedures for setting up a Payoneer account, linking it with Amazon, and navigating the intricacies of receiving and managing payments in multiple currencies, we have underscored the platform’s significance in facilitating smoother transactions and fostering business growth.

In sum, Payoneer stands out as a cornerstone for Amazon sellers and affiliates, offering an empowering suite of services from enhanced transactional security to reduced currency conversion fees and comprehensive customer support. This guide aimed to navigate readers through maximizing their earnings by leveraging Payoneer’s global payment services, thereby paving the way for business expansion and financial success in the international marketplace. Recognizing the platform’s role in simplifying financial complexities, it becomes clear that Payoneer is not just a financial tool, but a gateway to unlocking global business opportunities, encouraging sellers to explore and thrive in the vast digital ecosystem Amazon provides.


1. Is it possible to use Payoneer for receiving Amazon payments?
Yes, Payoneer provides specialized services for international eCommerce sellers, including Amazon sellers. You can receive your Amazon sales disbursements directly into your Payoneer account and then transfer them to your local bank in your local currency.

2. What is the process for receiving payments through Payoneer?
To receive a payment via Payoneer, follow these steps:

  • Enter your client’s email address and the amount you wish to request.
  • Submit the payment request, and Payoneer will notify your client.
  • Your client will then choose a password and their preferred payment method to complete the payment.
  • Once the payment is made, the funds will be deposited into your Payoneer account, ready for use or withdrawal.

3. How can I connect my Amazon Associates account to Payoneer?
To link your Payoneer account with the Amazon Affiliate Program, follow these steps:

  • Log into your Amazon Associates account.
  • Navigate to the “Payment Settings” page.
  • Select “Payoneer” as your payment method.
  • Click on the “Add Payoneer Account” button.
  • Enter your Payoneer account details.
  • Click the “Save” button to finalize the setup.

4. How do I integrate my Payoneer account with Amazon Seller Central?
To add your Payoneer account to Amazon Seller Central, you must access your Seller Central account, navigate to the account settings, and choose Payoneer as your preferred payment method. From there, you can link your Payoneer account by following the provided instructions to complete the integration.


Jack Quy

About Author

Jack Quy is the founder of, a site dedicated to providing insights into freelancing and blogging from his own experience since 2009. His blog is full of great tips and strategies for all things related to working as a freelancer and blogger. No matter your level of experience, these invaluable hints and advice will help you reach your objectives. Be it if you're beginning in the industry or already have some working knowledge, this information is sure to be useful.

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