> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payreque.st/llms.txt
> Use this file to discover all available pages before exploring further.

# Connecting Payoneer

> Accept payments from customers worldwide — including emerging markets across Asia, LatAm, and Africa — by connecting your Payoneer account to PayRequest.

# Connecting Payoneer

Payoneer is a global payment platform trusted by over 5 million businesses and freelancers worldwide. Connecting it to PayRequest adds a **Pay with Payoneer** button to your payment links — giving customers in 150+ countries a familiar, local checkout experience.

<Info>
  **Phase 1 scope**: Payoneer currently powers payment links only. Invoices, subscriptions, and recurring billing continue to use Mollie. Wider Payoneer support is planned for upcoming releases.
</Info>

## Why Add Payoneer

<CardGroup cols={2}>
  <Card title="150+ currencies" icon="globe">
    Accept payments from customers in Asia, LatAm, Africa, and the Middle East — markets where Mollie and Stripe have limited reach.
  </Card>

  <Card title="Built for creators" icon="star">
    Payoneer is widely used by online creators and freelancers. Your customers may already have a Payoneer account and prefer it.
  </Card>

  <Card title="Local payment methods" icon="credit-card">
    Supports cards, ACH bank transfers, SEPA, and a growing range of local payment methods by region.
  </Card>

  <Card title="No redirect friction" icon="bolt">
    Customers are redirected to Payoneer's secure hosted checkout and returned to your page immediately after payment.
  </Card>
</CardGroup>

## Prerequisites

You need a **Payoneer Business account** and API credentials from the [Payoneer Developer Portal](https://developer.payoneer.com). Payoneer will provide a **Client ID** and **Client Secret** when you create a checkout integration in your account.

<Tip>
  If you don't have API credentials yet, log in to the Payoneer Developer Portal, create a new application, and copy the **Client ID** and **Client Secret** — you'll need both to connect.
</Tip>

## How to Connect

<Steps>
  <Step title="Open Provider Settings">
    Go to **Settings → Providers** (or navigate to `/provider-settings`). Scroll down to the **Add more payment options** section and find the **Payoneer** card.
  </Step>

  <Step title="Click Connect">
    Click the **Connect** button on the Payoneer card. A form expands in place — no redirect required.
  </Step>

  <Step title="Enter your credentials">
    Paste your **Client ID** and **Client Secret** from the Payoneer Developer Portal. Optionally add your **account email** for reference.
  </Step>

  <Step title="Save and verify">
    Click **Connect Payoneer**. PayRequest immediately verifies your credentials by requesting a token from Payoneer's API. If successful, the card shows a green **Connected** badge.
  </Step>
</Steps>

## What Customers See

When a customer opens one of your payment links with Payoneer enabled, a **Pay with Payoneer** button appears below your other payment methods:

1. Customer clicks **Pay with Payoneer**
2. They are redirected to Payoneer's secure hosted checkout page
3. They pay with their preferred local method (card, Payoneer wallet, bank transfer, etc.)
4. Payoneer redirects them back to your success page
5. The transaction is recorded in your PayRequest dashboard

<Info>
  The payment is confirmed both via the return redirect and an async webhook — so even if a customer closes their browser mid-redirect, the transaction is still recorded correctly.
</Info>

## Supported Currencies

Payoneer supports a wide range of currencies, making it especially useful for merchants with international customers:

| Region               | Currencies                        |
| -------------------- | --------------------------------- |
| Americas             | USD, CAD, BRL, MXN                |
| Europe               | EUR, GBP, TRY                     |
| Asia-Pacific         | INR, JPY, PHP, IDR, MYR, THB, VND |
| Africa & Middle East | NGN, KES, ZAR, EGP                |
| Oceania              | AUD                               |

If your payment page currency isn't in the list above, Payoneer will default to **USD**.

## Running Multiple Providers

Payoneer works alongside Mollie, Stripe, and PayPal simultaneously. Customers see all enabled payment options on the same page — each as its own button or method group.

<Tip>
  A common setup for creators with a global audience: **Mollie** for European iDEAL / SEPA payments, **PayPal** for US and UK buyers, and **Payoneer** for the rest of the world.
</Tip>

## Disconnecting Payoneer

Go to **Settings → Providers**, find the Payoneer card, and click **Disconnect Payoneer**. The button disappears from your payment links immediately. Existing transactions and their refund history remain fully accessible.

<Warning>
  If Payoneer is your only active payment provider, disconnecting it will leave your payment links with no checkout method until you reconnect or add another provider.
</Warning>

## Frequently Asked Questions

<AccordionGroup>
  <Accordion title="Do I need a Payoneer Business account?">
    Yes. You need a Payoneer Business account with checkout API access enabled. Personal Payoneer accounts (used for receiving freelance payouts) don't include the checkout API — you'll need to upgrade or create a separate Business account.
  </Accordion>

  <Accordion title="Where do I get my Client ID and Client Secret?">
    Log in to the [Payoneer Developer Portal](https://developer.payoneer.com), navigate to your applications, and create a new **Checkout** integration. Your credentials are shown once — copy them immediately and store them securely.
  </Accordion>

  <Accordion title="Does Payoneer support recurring payments or subscriptions?">
    Not in the current integration. Payoneer is Phase 1 — payment links only. Subscriptions and recurring billing use Mollie. Payoneer recurring support is on the roadmap.
  </Accordion>

  <Accordion title="What fees does Payoneer charge?">
    Payoneer's standard merchant fees apply and vary by country and payment method — typically 3–4% for card payments. Check your Payoneer merchant agreement for exact rates. PayRequest's platform fee (2% on free plans, none on paid plans) applies on top.
  </Accordion>

  <Accordion title="Is sandbox / test mode available?">
    Yes. Set `PAYONEER_SANDBOX=true` in your environment to route all API calls through Payoneer's sandbox environment. Use sandbox credentials from the Payoneer Developer Portal for testing.
  </Accordion>

  <Accordion title="Can I use Payoneer alongside Mollie, Stripe, and PayPal?">
    Yes. All four providers can be connected at the same time. Buyers see all available options on your payment page, and each transaction routes to the provider the buyer selects.
  </Accordion>

  <Accordion title="What happens if the customer closes the browser mid-redirect?">
    Payoneer sends a webhook notification to PayRequest when the payment completes, regardless of the redirect. Your transaction is recorded correctly even if the browser redirect fails.
  </Accordion>
</AccordionGroup>

## Next Steps

<CardGroup cols={2}>
  <Card title="Payment Methods Overview" icon="list-check" href="/payment-processing/payment-methods-overview">
    Compare all available payment methods across Mollie, Stripe, PayPal, and Payoneer.
  </Card>

  <Card title="Connect Stripe" icon="credit-card" href="/payment-processing/connect-stripe">
    Add Stripe for cards, Apple Pay, Klarna, and Adaptive Pricing on your payment links.
  </Card>

  <Card title="Connect PayPal" icon="paypal" href="/payment-processing/connect-paypal">
    Add PayPal buttons — including Pay Later and Venmo — alongside Payoneer.
  </Card>

  <Card title="Create a Payment Link" icon="link" href="/payment-processing/payment-page-dynamic-links">
    Build the shareable link or QR code your customers pay through.
  </Card>
</CardGroup>