Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 21 companies across 2 categories.
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Founded 2005 as a prepaid-card-based payout solution for global freelancers and marketplaces (Upwork, Fiverr, Amazon sellers). Has steadily expanded from payouts-only into a full multi-currency operating account for cross-border SMBs — adding working capital (Capital Advance), commercial cards, online checkout, workforce management/EOR, and tax form collection. Going public via SPAC in 2021 funded a deliberate move upmarket toward a deeper financial OS for cross-border SMBs. 2025–2026 marks a major strategic pivot: applying for a US national trust bank charter (PAYO Digital Bank, N.A.) to operate stablecoin infrastructure, and partnering with Stripe on checkout — signalling a shift from licensee-of-banks toward a directly-regulated, stablecoin-native cross-border bank.
Other FX / Payouts providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/payoneer/install" width="1" height="1" alt="" style="display:none">21 companies are linked to Payoneer in the Embedded Finance Index 2026, through their own public disclosures or Payoneer's published customer list, including Agicap, eBay, Optty, Etsy, Ocus, OnBuy, Nequi, Submittable, Your.Rentals, UPS Capital and 2 others.
Payoneer is an embedded-finance provider in PSP and FX / Payouts. It ranks #9 of 179 FX / Payouts providers by linked companies.
Payoneer has applied for a national trust bank charter for PAYO Digital Bank, N.A. with the OCC. Status: application filed (2026-02-23).
The most-named FX / Payouts alternatives to Payoneer are Currencycloud (81 buyers), Airwallex (80 buyers), Nium (67 buyers), Wise Platform (58 buyers), Stripe (49 buyers) and Convera (33 buyers).
Payoneer was founded by Yuval Tal and is founded in 2005, headquartered in New York, NY, USA.
Payoneer has raised Publicly listed (NASDAQ: PAYO) in total.
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