SafePayouts

Last updated: 10 August 2025

How to Get Paid Online Without PayPal (2025): Payoneer vs Wise — Fees, Setup, and Best Use Cases

If you create online but can’t rely on PayPal—because it isn’t supported where you live, fees are unpredictable, or accounts keep getting flagged—you still have two solid, globally accessible ways to get paid: Payoneer and Wise. Both give you local bank details in major currencies (think USD, EUR, GBP), so clients and platforms can pay you like a local, and you can withdraw to your bank in many countries. This guide shows you, in plain English, which one to pick for your situation, the exact setup steps, and what to watch for (verification, fees, and platform compatibility). If you have 2–3 hours, you can set one up today and start receiving payments this week.

Affiliate disclosure: Some links to Wise and Payoneer may be affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. Not financial advice.

TL;DR: Quick picks

  • Choose Payoneer if… you need to receive like a local from US/EU/UK/JP/CA/AU/SG/HK/UAE or from marketplaces (many support Payoneer for mass payouts), then withdraw to your local bank.
  • Choose Wise if… you want simple multi-currency account details, transparent transfer pricing, and easy conversions/spending—great for direct client work, brand deals, and affiliates.
  • Best of both: Many creators open both: use Payoneer where a platform requires it; use Wise for cheap conversions and personal transfers.
Sign‑up buttons are temporarily hidden while we wait for affiliate approval. You can still use the setup steps below.

Payment Instructions Generator

Fill this in once. Click “Generate” then copy the block and send it to clients or paste into payout settings.

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