How Payoneer Works in Belarus in 2025

In recent years, the international payments sector for Belarusian businesses and freelancers has significantly changed. Against the backdrop of the departure of many Western services, such as PayPal, the Payoneer payment system is attracting more and more attention. Despite the sanctions agenda and restrictions, Payoneer continues to serve clients from Belarus, providing access to accepting foreign payments, issuing cards, and managing finances. This article will examine what opportunities remain available to Belarusian users, how to register and use the service correctly, and what restrictions should be considered.

What is Payoneer: A Brief Overview of the Service

Payoneer is an international payment platform founded in 2005 in the USA. The service specializes in cross-border money transfers and provides tools for receiving and sending funds between individuals and legal entities worldwide. Today, Payoneer serves millions of customers in more than 190 countries and is actively used in e-commerce, freelancing, IT, and outsourcing.

One of Payoneer’s main advantages is opening a multi-currency account with details in US dollars, euros, British pounds, and other currencies. This is especially relevant for Belarusian users working with foreign customers, marketplaces (Amazon and Etsy), and freelance exchanges (such as Upwork and Fiverr).

Payoneer customers can :

• Receive payments from international companies and individuals.
• Transfer funds to a local bank account.
• Order a physical or virtual Payoneer MasterCard.
• Pay for goods and services online.
• Use the service as an alternative to bank SWIFT transfers, often with lower fees and faster processing.

For legal entities and individual entrepreneurs, Payoneer also offers business solutions, such as mass payments, integration with accounting, and an API for automating financial transactions.

Despite the geopolitical restrictions and sanctions burden of recent years, the service continues to operate in Belarus and allows residents of the country to use most of the standard functions. This makes it one of the few remaining convenient tools for receiving foreign exchange earnings and working with international partners.

Payoneer Availability in Belarus in 2025

Payoneer was one of the few services that continued to work with Belarus, albeit with certain restrictions.

What confirms the fact of availability?

As of 2025:

• Belarusian users can register an account on the Payoneer website by indicating Belarusian citizenship and a residential address.
• The service accepts payments from marketplaces and freelance exchanges, including Upwork, Fiverr, Toptal, and Amazon.
• Local bank details can be obtained in US dollars (through First Century Bank or Community Federal Savings Bank), euros, pounds, and other currencies.
• Belarusian users can still withdraw funds to their bank accounts in the Republic of Belarus if the bank accepts international transfers (it is recommended to use US dollars).
• Internal support and account verification are available for Belarusian users.

What is limited or unavailable?

The Payoneer (MasterCard) card is not delivered directly to Belarus. However, users can apply for the card and receive it through a foreign address, intermediaries, or a trip abroad.

Some international partners and payers may restrict transfers to Belarusian accounts, especially for countries subject to sanctions.

Payoneer’s internal controls may be stricter for Belarus users —more documents are sometimes required during verification.

Updates from the community

In thematic forums, Telegram channels, and among professional communities in 2025, it is actively confirmed that:

• Registration and payment acceptance are stable.
• Withdrawals are possible, although the speed of crediting and fees may vary depending on the recipient bank.
• Support responds and helps resolve document, limits, and blocking issues.

Thus, despite the difficulties and partial loss of access to international fintech solutions, Payoneer remains a viable and proven option for Belarusian professionals and entrepreneurs who work with foreign clients.

Payoneer Account Registration from Belarus

Despite sanctions restrictions and the departure of several foreign companies from the Belarusian market, registration in Payoneer for Belarus residents in 2025 remains possible. Below are step-by-step instructions and recommendations to help you pass verification and avoid typical mistakes.

How to Register with Payoneer: Step-by-Step Algorithm

Step 1. Go to the official website

Go to payoneer.com and click “Sign Up”.

Step 2: Select your account type

Individual – for freelancers and self-employed.

Company – if you represent a legal entity or an individual entrepreneur.

Step 3. Fill in your details

To create a password, please enter your first and last name, date of birth, country (Belarus ), and email.

Step 4: Enter your address and contact information

Important: the address must be real and match the documents you will provide later.

Step 5: Select a method for receiving payments

Payoneer will offer to connect to freelance exchanges (such as Upwork and Fiverr) or receive bank account details.

Step 6: Add a bank account

Specify an account in a Belarusian bank ( preferably in dollars ) for withdrawal of funds. Check that the bank accepts international transfers.

Step 7: Complete identity verification

After registration, Payoneer may request documents:

• Passport or ID card.
• Proof of address ( utility bills , bank statement no older than 3 months).

In the case of a business account, the company or individual entrepreneur’s registration documents are required.

Useful tips for registration

Please use Latin when filling out the form (since the service is in English).

The address and name must match those on your ID. If you must withdraw to a Belarusian bank account, ensure the bank is not subject to sanctions. It is also better to check with it about the possibility of accepting SWIFT transfers from the USA or the EU.

If you do not receive an SMS code to a Belarusian number, try using email verification or another number (for example, a foreign one, if available).

Deadlines and account verification

Registration takes 10-15 minutes.

Verification may take from several hours to 3 business days.

Once your account is verified, you can access your internal banking details and accept payments.

Registration in Payoneer is one of the easiest and most reliable ways to set up the acceptance of international payments in conditions of limited access to other payment systems. The main thing is to carefully fill in the data and prepare the correct documents for verification.

Getting and using a Payoneer card in Belarus

One of Payoneer’s most popular features has always been the ability to order a MasterCard payment card linked to an account. Such a card allows you to pay for purchases online and offline, withdraw cash from ATMs worldwide, and use it as an alternative to local bank cards. However, for users from Belarus in 2025, access to this service is limited, and some nuances are essential.

Can I order a Payoneer card in Belarus?

Payoneer has not officially delivered physical cards to Belarus due to sanctions and payment system restrictions.

However, Belarusian users still have alternative ways to obtain a card:

1. Using a foreign address

If you have friends, relatives, or partners abroad (for example, in Poland, Lithuania, or Georgia ), you can specify their delivery address when ordering the card.

2. Receiving a card while traveling abroad

Please register an account, request a card by indicating your temporary residence address in another country, and collect it in person.

3. Services of intermediaries

Some international services offer address rental and card forwarding, but their use should be considered cautiously and at your own risk.

How to use the card if you already have one

If you already have a valid Payoneer card, you can:

• Withdraw cash from any ATM that supports MasterCard—using banks with minimal commission (for example, in Belarus – Belarusbank, Priorbank ).
• Pay online for purchases and subscriptions (Amazon, Adobe, Google, etc.).
• Pay in stores with terminals that support international cards (including abroad).

Limitations and Fees

The card maintenance fee is usually around $30 per year.

Cash withdrawal fee is approximately $3.5 per transaction + possible fee of the bank that owns the ATM.

Currency conversion is possible for transactions in another currency; the MasterCard rate + surcharge applies.

Virtual cards as an alternative

Payoneer can offer a virtual card (Virtual Card) if receiving a physical card is impossible. It is also linked to your balance and allows you to:

Pay for online services and purchases on the Internet.

Link to Google, Apple Pay, Amazon, and other platform accounts.

Currently, virtual cards are unavailable to all users – they are issued upon request or when the account is active.

Limitations and Risks

Although Payoneer remains available to Belarus users, several limitations and potential risks must be considered when using this service. This will help avoid account blocking, payment delays, and other problems that negatively affect financial stability and business processes.

1. Tightened account verification

Due to the burden of sanctions and the requirements of international financial regulation, Payoneer has increased its verification of clients from Belarus. This is reflected in the following:

• Additional identity and address verification may be required, especially when receiving a payment or ordering a card.
• They request scans of your passport, driver’s license, or ID card, as well as documents that confirm the source of funds ( contracts, invoices, correspondence).
• In some cases, Payoneer requires verification of business relationships with payers, especially if large amounts or frequent transfers are involved.

2. Possible blocking and suspension of operations

Like any other international financial service, Payoneer must follow AML/KYC (anti-money laundering and counter-terrorism financing) requirements. Therefore:

The account will be temporarily frozen if the system deems the actions suspicious (for example, a sharp increase in turnover or unusual payment sources).

There may be restrictions on withdrawal of funds, especially if the specified recipient bank is subject to sanctions or does not support work with certain countries.

To avoid this, it is essential:

• Always provide real data when registering.
• Work only with trusted partners.
• Keep supporting documents and provide them for support upon first request.

3. Limited functionality for Belarus

As mentioned earlier:

Payoneer’s physical card has not been delivered to Belarus.

Some marketplaces or payers may refuse to transfer funds to accounts registered in Belarus.

If the payment is from/to a country with a restricted status, delays in receiving payments or refunds of transfers are possible.

4. Currency and legal risks

Since Payoneer is a foreign service:

All operations occur outside the jurisdiction of Belarusian regulators, making it challenging to protect user rights in the event of a dispute.

Exchange rates during conversion may differ from the official rate of the National Bank of the Republic of Belarus.

Correct accounting is required for legal entities and individual entrepreneurs to use foreign payment platforms. Registration of a foreign trade contract with the National Bank of Belarus may also be required.

How to Protect Yourself?

Use Payoneer only for legitimate activities with transparent sources of income.

Regularly save your correspondence history, invoices, and contracts – this will help with verification.

Do not keep large amounts in your account – immediately withdraw funds to a local bank account.

Subscribe to official Payoneer channels and topical forums to stay updated with current changes and restrictions.

Payoneer remains a convenient tool for working with foreign customers but requires conscious and careful use. Compliance with all rules and recommendations significantly reduces risks and increases the system’s reliability.

Is it worth using Payoneer in Belarus?

Against the backdrop of restrictions in the international financial infrastructure, Payoneer remains one of the few stable and working tools for residents of Belarus who operate abroad, be it freelancing, trading on marketplaces, outsourcing services, or IT contracts.

When Payoneer Makes Sense

If you work with overseas clients or platforms that officially cooperate with Payoneer (eg, Upwork, Amazon, Fiverr).

You can receive payments in USD, EUR, GBP, and other currencies if you need a multi-currency payment gateway.

If you are looking for an alternative to inaccessible systems such as PayPal, Wise, Revolut, etc.

If you are ready to undergo verification and comply with the conditions of transparency of transactions (documents, contracts, confirmation of the origin of funds).

When to Consider Other Solutions

If you must have a physical card, which cannot be obtained directly in Belarus without help from abroad.

If you work exclusively in the local space or prefer other methods of receiving payments (for example, SWIFT transfers directly to a bank account).

If you are not prepared for possible delays or additional checks by the security service.

Conclusion

Using Payoneer in Belarus in 2025 is a practical tool for conducting foreign economic activity, especially in limited access to other payment systems. Despite certain restrictions – no card delivery to Belarus, enhanced verification, and possible blocking – the platform remains one of the most reliable ways to receive and manage foreign payments for freelancers, individual entrepreneurs, IT companies, and sellers on marketplaces.

Payoneer allows you to:

• Accept payments from international platforms and direct clients.
• Withdraw funds to local bank accounts.
• Use virtual cards for online payments.
• Effectively control foreign exchange receipts.

Suppose you are developing a business abroad or building a model for working with remote teams. In that case, choosing a payment solution and correctly integrating it into business processes and management structure is essential.

We provide a full range of personnel and business management services, helping companies build effective management models, optimize processes, and achieve their goals. Whether you need advice on creating a management company, legal registration of foreign economic activity, or corporate management issues, our specialists are ready to offer professional support and individual solutions.

Payoneer is just one tool. With a trusted partner, you can build a flexible and sustainable global work model tailored to the realities of 2025.