Payoneer Money Transfer Review
Payoneer Review Updates
Update June 25, 2018: With Payoneer’s representatives joining our comment section to mitigate any concerns from users, and the fact we are seeing fresh positive reviews of the product, in addition to superb product improvements made by the Payoneer development team we had decided to amend Payoneer’s score back to 81..5%.
Update January 25, 2018: We have re-inspected Payoneer’s services and went through all the recent client experiences that were posted on our page. Unfortunately, there are still a lot of clients reporting severe issues with the service and delayed payments. We have decided to leave Payoneer’s rating at 62%.
Update 27 December, 2016: We no longer recommend Payoneer, due to the poor client reviews we are seeing here and on other internet forums. We still appreciate their unique payments model and were impressed with their staff, but the service is constantly getting bad client reviews, and we have collected dozens of negative experiences on our comment section. Read full detail below.
Update Nov 2016: Payoneer review score was downgraded from 89.8% to 82.8% due to multiple reporting of a slow service and unhelpful support. It will take 5 days to receive an initial response from the firm after signing up, and possibly a whole month to receive their debit card via email.
Established: 2005.
International Clients: ✓ VERY Widely Accepted
Currencies Offered: 150
Used by
✓ Freelancers and online merchants – receiving payments from abroad
✓ Small businesses – paying overseas employees, freelancers and partners
Notable Partners and Clients:
– Google
– Airbnb
– Amazon
– Getty Images
– Upwork (Previously odesk.com)
Account Login / Transactions: Online Platform or Mobile Application.
Offices In: USA San Francisco, North Carolina, Israel – Tel Aviv, UK – London, Spain – Barcelona, Gibraltar, Hong Kong, China-Beijing, India, Philippines, Japan.
Regulation: ✓ Financial Services Commission (Gibraltar), ✓ Customs and Excise Department (Hong Kong), ✓ Money Transmitter License (Most USA states).
Fee Structure (Private Clients):
– No loading fees – Exclusive Promotion for MoneyTransferComparison.com Readers
– Receiving money in foreign currency – 2% foreign exchange markup (lower for VIP clients).
– Payoneer MasterCard annual fee – $29.95 or eq. in local currency.
– Other standard MasterCard fees (withdraw, balance inquiry, purchases) apply normally.
Company size:
– 1,000+ Employees
– 10 Worldwide Loations
– 4,000,000 Registered Users
– Thousands of Business Clients
– $5bn+ in Trading Every Year
– 35 Languages Supported
Website: payoneer.com, payoneer.eu
🏆 EY Entrepreneur of the Year Award 2016 – For Scott Galit (CEO)
🏆 B2B Innovation Award 2016 – PYMNTS Innovation Project
🏆 Deloitte’s Fast 500 (Fastest Growing Companies) – 2015
🏆 CNBC 2018 Disruptor 50 List – #13
Pros and Cons
Can Only Be Used to Receive Money from Abroad, Not Send Money Abroad (Private Clients)
Sometimes low Service, Long Response Time
Some Clients Are Unsatisfied with Their Experience
Annual Fees On Debit Card
Online-Only Platform – No Telephone Trading
1% Charge on Loading – Waived for our readers
Our Rating: 81.5%
Truly unique service, market leader, but service is too slow.
Alternatives & Sign Up
Read More:
Company Information and Credibility
Company size:
Payoneer was founded in 2005 by Yuval Tal, who was the CEO at the time as well as the lead investor. Mr. Tal is a prominent Fintech entrepreneur, and prior to Payoneer , he founded E4X, one of the first startups in the online payments domain, which was later re-branded as BorderFree, and was acquired for a staggering sum of USD 380m by Pitney Bowes Inc in 2015 .
Since its inception, Payoneer has been receiving serious attention from leading investment firms across the globe, and raised more than USD 90m up to date, from companies like Ping An – a leading Chinese insurer which employees 200,000 people across the globe and generates more than $60bn in revenue each year.
Using these investments, the company has grown to become a leader in cross-border payments, boasting more than 10 global offices and employing 660 people (many of which deal with the complex compliance / legal aspect of the business). It is moving abroad billions of dollars each year, and serving more than 3m registered clients.
Regulated By:
✓ Financial Services Commission (Gibraltar), ✓ Customs and Excise Department (Hong Kong), ✓ Money Transmitter License (Most USA states).
The Payoneer Prepaid MasterCard card is issued by Choice Bank Limited, which is supervised by the main bank of Belize. It is handled by Payoneer’s partner Wire Card Solutions which is authorised by the Financial Conduction Authority (UK) as an e-money transmitter.
Awards and Media Recognition:
Payoneer has won some of the most lucrative awards in the payment business, including
- 🏆 EY Entrepreneur of the Year Award 2016 – For Scott Galit (CEO)
- 🏆 B2B Innovation Award 2016 – PYMNTS Innovation Project
- 🏆 Deloitte’s Fast 500 (Fastest Growing Companies) – 2015
- 🏆 CNBC 2018 Disruptor 50 List – #13
… and many more (smaller) industry awards.
Payoneer is constantly featured on mainstream media and Fintech conferences, as well as specialist payments / commerce magazines. Major publication include: The NY Times, Fox News, Tech Crunch, Forbes, Wall Street Journal, Inc. Magazine, Fortune Magazine, Wires, the Daily Star and many more.
Conclusion:
Considering the information provided in this section, as well as the fact that Payoneer’s board include some of the heaviest hitters in the business, like SWIFT’s former CEO, it is certain that Payoneer is a safe and reliable company, and not a fraud or a scam or any of that.
Any suspicion that Payoneer is not legit would have deterred companies like Amazon or Google in partnering up with them.
How Does Payoneer Work?
The fundamentals:
Payoneer provides an innovative solutions for both private and corporate clients who need to receive payments from abroad. The way they operate is via the creation of collection accounts abroad for each client. Any payment deposited into an off-shore account is translated into the local currency as defined by the Payoneer client, and then can be wired to his bank account or alternatively, be withdrawn through any ATM with the Payoneer MasterCard.
Here are the biggest advantages of using the Payoneer system:
- Easy to sign up. Completely online on-boarding process.
- A very simple solution that doesn’t require a lot of overhead attention. Once a client has been approved, he will automatically receive access to all available currencies, and be able to use any available bank account abroad.
- It simplifies the payment process also for the payer. In fact, there are more than 200 prominent freelancer and ecommerce marketplaces (like Amazon, Google, Freelancer and Upwork) which already have Payoneer as one of the default payment solutions.
- Payment processing is almost instant.
- Invoices are automatically generated through the Payoneer system.
- Clients are able to wire the money they have received on their Payoneer account back to their local bank account, or withdraw it in cash through the Payoneer MasterCard. In fact, this is a huge advantage for developing countries where banking systems are corrupt – you don’t even need a bank account in order to use Payoneer.
- The Payoneer MasterCard can be used from almost any location around the world.
Here are the cons of the Payoneer system:
- You can’t send payments through the Payoneer system (with the exception of businesses who can move funds to other business-owned Payoneer accounts).
- The Payoneer MasterCard requires an annual fee (more on that – on our fees and exchange rate section).
- The Payoneer MasterCard is a limited debit card which can’t be used for certain activities like gambling.
- Payoneer clients are limited to a subset of locations around the world where they can open a bank account.
- You are heavily reliant on the promptness of payments, which isn’t always up to par with the clients expectations, as reflected on our comment section below.
Conclusion:
Payoneer provides solutions which are simply unattainable by any other means. Online sellers who receive large payments from abroad have several similar alternatives, but when it comes to private clients, none of the foreign exchange companies we have reviewed on this website offers these sort of solutions.
In our opinion, Payoneer provides a PERFECT solution for people who receive their salary from abroad, as well as for businesses who get paid by overseas clients.
Read Enough?
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Transfer Money Abroad with More Companies
Payoneer Exchange Rate & Fees
1) Loading Fee – 1% of the money loaded into the card. This fee is waived for our readers who used our referral link.
2) Card Fees – Annual fee: $29.95, Card Replacement (if lost): $12.95, Withdraw funds: $3.15 per withdrawal + normal ATM sub-charges, Balance Inquiry: $1, Decline Transaction: $1
3)Bank wire fees: none besides recipient bank fees which are outside of Payoneer’s control.
4) Currency exchange charges: 2% above mid-market rate, lower rates for VIP clients. This fee is applicable for both card withdrawals and wire transfers.
Limits: There are no limits to receiving money with Payoneer. There are limitations for intra-platform payments which are available for VIP clients (more on that below).
Conclusion:
Payoneer’s banking fees are not the lowest we have encountered in this industry, but it’s hard to compare them with other companies reviewed on our website because the nature of their service is so unique. VIP clients, though, can get great rates if their volumes justify it.
Since the service is mostly geared to freelancers in developing countries, we can compare them neck to neck with Paypal, which is probably the most popular payment method in this sector:
Payoneer VS Paypal – Fees & Exchange Rates
| Company | Personal Transfer Fees (Paypal) / Loading Fees (Payoneer) | Currency Exchange Fees | Withdrawal | Total |
|---|---|---|---|---|
| PayPal | 1% | 3.5% | Free to $5 | 4.5% and up to $5 |
| Payoneer | |
2% | Free | 2% |
| Payoneer VIP | Free | 2% or lower | Free | 2% or lower |
As you can see from the comparison above, Payoneer is a much cheaper solution than Paypal for freelancers. It is also a cheaper solution than other ewallets.
For businesses/eSellers, Payoneer can be a great solution if you are eligible for the VIP program (annual trading volume of 100,000). You can view more online seller banking solutions here.
Global Reach & Service
Research:
- Support availability: Telephone, Chat, and support tickets – available Mon-Fri in standard working hours. Priority VIP support for VIP clients.
- Offices: USA San Francisco, North Carolina, Israel – Tel Aviv, UK – London, Spain – Barcelona, Gibraltar, Hong Kong, China-Beijing, India, Philippines, Japan.
- Translations: Available in several languages – Arabic, Chinese, Japanese, Korean, Spanish and Russian.
- Accepts clients: Client acceptance is truly global. In fact, unlike other companies reviewed on this website which will not accept clients from regions like Russia, Bangladesh, India or China – they would happily accept them.
- Currencies Handled: 150.
- Time it takes to receive a reply: More than 5 days. We have read several reviews online and sent our mystery shopper through and it is verified that dealing with Payoneer is a long and possibly excruciating process.
Conclusion:
Payoneer has one of the most complete global payment solutions we’ve seen up to date. A very strong compliance and risk departments allow them to accept clients on a truly global basis, and even provide solutions to the “unbanked” (adults who do not possess a bank account or, alas, reside in countries where the banking system is unreliable).
Nothing can be simpler than accepting payments directly into a Payoneer account and using a dedicated debit card to withdraw it through the ATM, especially for people who reside in countries like Russia, the Ukraine, India, or any other developing/high-risk countries.
In addition to the fact they accept clients on a global scale and offer them with superb solutions, they have local bank accounts in many countries. Thus, the recipient of funds through a wire transfer can enjoy a domestic transfer of funds in local currency when he withdraws funds form the account, and skip the exorbitant fees applied by banks on receiving international wire transfers.
The only real vice is the slowness of service. It takes 5 days to get a response from support after signing up and it can take a whole month or more to receive your Mastercard debit card.
International call line does not work and it seems they are not planning to do anything about it. people complain and they either don’t respond, or respond and tell them to wait. It’s not clear how to withdraw funds from your payoneer account. you need to wait months (sometimes 8 months) to receive payoneer card. There are a lot of issues with bank transfers. Tania, A Client Who Left Her Comment Below
Additional Functionalities
– Mass payout: Businesses can pay multiple recipients instantaneously, while private clients can request to be paid by Payoneer automatically in many of the world’s most popular platforms (like Freelancer.com, upwork.com, clickbank, Amazon, Google, Getty Images, Lazda, Linion, etc).
– Billing Service: Request payment from a company by sending them a bill generated via the Payoneer system. Receive payments via credit card, eCheck or direct wire transfer.
– Tax form automation: The system auto-generates W-8 forms for all payments generated through it.
– Pay other suppliers on Payoneer: Businesses with VIP status can pay their suppliers directly through the Payoneer system with no extra charges. For them, Payoneer becomes a multi-currency virtual eWallet and then can conduct all business without ever involving their bank besides withdrawing the funds at the end of the month.
App:
Payoneer has a fully functional mobile application for Android and iOS which is one of the most popular money transfer apps in the world. There are 100,000-500,000 downloads on Android’s Google Play alone.
The app allows Payoneer clients to check their balance at any time and perform necessary actions (like requesting a withdrawal), and is ranked 4.3 / 5 by more than 7,000 users, attesting for its usefulness.
Conclusion:
Payoneer has a high variation of solutions embedded into its platform. Businesses can pay thousands of recipients in one click in more than 150 currencies, and automatically get the necessary invoicing and tax forms which is a huge advantage.
Clients can get automatically paid into their Payoneer account with ease in almost every ecommerce or freelancer market in the world, and withdraw the funds in cash using their Payoneer Mastercard.
The only real vice Payoneer has is outbound payments which are limited to VIP clients who can only send to other Payoneer clients.
Review Summary
-
Credibility - 98%
98%
-
Functionality - 95%
95%
-
Fees - 85%
85%
-
Response Time - 50%
50%
Bottom Line
Payoneer offers a truly unique solution for people who need to receive overseas payments. With free bank accounts in multiple countries and currencies, and a dedicated MasterCard, it's simpler journey than ever before to accept payments and withdraw them in cash. For businesses and VIP clients, the Payoneer solutions becomes even more powerful with no wire fees, intra-platform supplier payments, MassPay option, free invoicing, free billing and free generation of tax forms. The response time is sometimes problematic and needs to improve.
please send my account map and 5300721116197713 pin card.thanks payoneer.
Hi Ladul, this is not Payoneer’s site, just a review! Please contact them directly. Thanks.
Payoneer has already approved my Global payment service transfer and recovered 400 US Dollars from mer but now there is no intimation
My name is Imtiaz Hussain. I am trader of Pakistan. My traders are depositing money in Payoneer since 15 Dec 2015 but payoneer authorities have never issued a receipt for cash, They do not allow me to complete Sign In. Log in details give errors and some details are incorrect. When I request for my Payoneer accounts balance. They do not tell. They do not issue good standing official statement of my two accounts. An option
option was got from that my payments will be sent through local bank transfer but now they do not respond. They have not issued me prepaid master card . It is humble requested to CEO Payoneer to send my payments immediately
Hi there,
We are sorry to hear about your experience. We would like to look further into your case and follow up with you. Please provide your ticket number associated to your correspondence with Payoneer Support.
Thanks,
The Payoneer Team
iam ladul sajai dasanayaka from srilanka. please release me global citizens and money transactions to my payoneer prepaid mastercard 5300721116197713 and other visa debit cards. srilanka id no: 805202599v. fone 940727311411. email [email protected]
Hi there,
Please note that this is not a Payoneer Support page. If you are having an issue with your card, you will need to contact Payoneer Support via the link provided below.
https://payoneer.custhelp.com/app/login_form/redirect/Contact_us
They have horrible Customer support. it takes them 5 business days sometimes to get bank to the customer. Chat is not helpful and makes you wait for the email for unknown period of time. International call line does not work and it seems they are not planning to do anything about it. people complain and they either don’t respond, or respond and tell them to wait. It’s not clear how to withdraw funds from your payoneer account. you need to wait months (sometimes 8 months) to receive payoneer card. There are a lot of issues with bank transfers.
Tanya, thank you for your feedback! We are sorry to hear that. Let us contact them and hear what they have to say.
From our testing we can say it did take 5 days to get an initial response upon sign-up, but the Mastercard was sent quite briefly and bank transfer was possible instantly.
Where did you sign up from? We did it from a European country.
I paid an online seller in Spain with Payoneer and got confirmation from both my bank and Payoneer that the money had been taken from my account. However, 12 days later, the seller’s website is still showing it as not received.
The seller is not responding to questions and, for that matter, neither is Payoneer.
Buyer protection seems to be non-existent and I will NEVER use them again and I wouldn’t dream of recommending them. With paypal, it’s easy – I just raise a dispute but there appears to be no equivalent process in Payoneer.
Angie thank you so much for your feedback. Indeed you should be getting some sort of a response from Payoneer. I will contact them now on your behalf and see what’s up. Thanks.
Having used both Paypal and payoneer payoneer for years I would say that they are basically the same in terms of what they offer and problems that come up when using their services.
However, when it comes to customer service PAYPAL win hands down. Paypal usually respond within the day and within hours to urgent matters. Payoneer take days and days to respond to even the most urgent of issues, often too late to do anything to resolve the problem
Thank you for your review LL. We had a terrible experience with Paypal when we had our account blocked, but I trust your words on the issues with Payoneer (which is something we are getting the hang of).
In terms of fees though – Payoneer is incredibly cheaper than Paypal, isn’t it?
Hi I used Airhelp with the recommendation from Martin Lewis website because I had a flight cancelled. The process has took 8 months, Airhelp have now used Payoneer to transfer the payment to me, I am still waiting from 24/11/16. Also beware Airhelp take 25% of the payout.
Thank you Gail. We don’t know Airhelp so we cannot comment on that. Cheers.
Our company switched from ADP which was fabulous in that I got my pay on the exact day I was supposed to to Payoneer which means I now have to wait an additional 4 days for my pay. In this day and age what company has to take 4 days to make a direct deposit? ADP had no issue with it. Paypal has no issue with it. They tell me it’s my bank that is causing the issues but there’s no delay with other payment sources. Processing gets cancelled multiple times and when I ask about them I get told its a technical issue and apparently a technical issue that isn’t that uncommon because my co-worker had it happen on the last pay period as well BUT if you’re willing to pay a fee it magically gets deposited the very next day but they say it is supposedly the same process. Someone high up in Payoneer is making some pretty nice profit off our money while its sitting somewhere making interest for them for four days. Incredibly disappointed with this company and payment system.
Hi Maggie, thank you for your valuable feedback. Indeed, there’s no reason for such a long clearance. The negative reviews about Payoneer and its services are definitely piling up. We will seriously look into it!
So, let’s make a full review of Payoneer. I applied for a Payoneer Master Card two month ago, It wasn’t fast and my first card didn’t arrive in time.After 1 week of waiting, I asked the support via e-mail, but they didn’t answer me for another week. So I tried to ask them via chat, but the chat Isn’t available at this time or the chat is full. After 6 days of waiting and clicking the chat button, I finally could get In contact with the support(It’s easier to contact Aliens, than the Payoneer support). At this time I ordered my Card with DHL, but It costs me around 40$. It’s expensive, but my friend Payoneer told me that I’ll get 25$ when I signup for their service(I asked the support, but didn’t receive anything, even If I clicked the right URL), but this isn’t the biggest problem.So firstly let’s talk about the biggest problem in Payoneer for me: 1)I lost 130$ and didn’t get them back, I made two transfers to my bank in Ukraine and I asked the support 7 times because of this. Everything they told me is to wait 3 days and they’ll send me an email. I didn’t receive an email in 3 weeks. 2)This problem is connected with the support.If you want to speak or chat with them, you must wait 20 – 40 minutes. Before I chat with them, I wrote a ready text with my problems. But somehow they didn’t even read It and ask me from a copy/past text. After I answered twice, they’ll tell me that I’ll get my 130$ in 3 days in a very bad English(my isn’t better, but from a company in the USA I’d wish more).
Even here on sitejabber the Payoneer team lie about looking at your problem. I never get any response from them too.
So the last thing I want to tell you, don’t ever apply for this Card, after reading all of this posts in sitejabber I’d wish that I found It earlier. I’m very sorry that you lost 100$,500$,1000$ or more. I’m very disappointed of this service and I’m very disappointed that I could not buy Christmas presents for my family because of this problems.
Thank you for your detailed review and I am sorry to hear this. As we wrote explicitly on our review, Payoneer are very slow and very problematic. They just don’t deliver what they promise. We were impressed by their staff when we met them, and had good personal experiences with them a few years back, but they seem to have degraded and we just can’t recommend them anymore.
Payoneer is slow to process refunded orders, leaves them in PENDING TRANSACTIONS with a minus for returned fund – but does not return them to BALANCE. Weeks already. A rip-off card.
Other people’s experience have not been good at all, definitely.
Did you try to call them? Do you know they are located in Israel?
Terrible experience with Payoneer…
Subscription process was very quick, about a couple of hours.
After receiving confirmation that my application had been approved , I sent out a few payment requests. As soon as the first payment arrived, I got an email from Payoneer, asking me to complete my application form!
I thought it’d been approved.
I quickly go to the website, answer a few more questions, then after 5 days or so, I get a reply that there’s a problem with my address and I need to send another proof of residence. I reply asap, explaining my situation and asking for guidance… Practically, I’m a French national , living in China, with a bank account in Germany.
About a week later, I get a reply asking me for a German ID, although I explained I was a French national or an address in France, where I haven’t lived for more than 10 years… Ok, I understand that my situation is not simple but this should have been dealt with when I was sending my application, not after I receive my first payment.
Fine… I then ask for a refund of the payment back to the sender and to close the account.
It’s now been more than a week and I’m still waiting for a reply, not even some acknowledgement that my email has been received and is being dealt with.
It simply isn’t acceptable for an online business to take such a long time to reply and handle your support request so badly.
Very much in line with other testimonials we read here and on other sites. Thank you Patrick.
Opened account,
billed my customer, they make me wait 4/5 days asking prooves (id/ company details/proof of residence). Then accept the payment of 2000€ from my customer.
I receive the email, want to check the account, “YOUR ACCOUNT IS BLOCKED”. Ok only way to contact is with form contact, and not forget reply the automatic email they send after.
Received email few days after, YOUR ACCOUNT IS CLOSED. No explanation, and nothing about the 2000€ on it…
Shame on this company, shame on Wirecard who help them stole the money providing SEPA solution for europe.
Already one week without a decent email to tell me where are the 2k€…
Soon I’ll try to post an open plateform to help customer which have been scammed by payoneer/Wirecard to report their loss, the time of resolution if it was resolved.
We all need to QUANTIFY those scams.
If we they manage billions of dollars everyday, so the scam should be in hundreds millions, only a public plateform can tell us, hope I have time to make it, and people will report.
If you know any plateform to report a payoneer scam that QUANTIFY, please reply (will save me work).
Run away from Payoneer, you’ll lost money soon, for sure.
Cheers
One of the worst company ever their system never works and dam slow out of three 2 payment were rejected by coz your system didn’t work and If I don’t get back my funds just coz your system is crap I will file a law suit against you guys for sure
Sad to hear. Could you elaborate more on the case?
Yes your system did not send me the email for asking about the documents even though I have already provided them at the time of creating the account and all my payments were declined except one, and money was not refunded to client nor to me you guys kept hold on it and once I called and argued with you guys
so after apologizing to me even though I should file a lawsuit against you guys for keeping my client and me in the dark and keeping all the funds with you and not notifying the user.
Finally, on the Third week, you guys decided when I gave you a hard time to refund back the money to my client and saying sorry it was system fault
what the hell man, if your system is not reliable then why the hell are you doing such business !!!!
Even though you guys apologized on the phone But I don’t care and reason was system error ??????????
What the Fuck man if your system in not reliable then why the hell are you in this business go do some other job and keeping hold on money to earn the interest and only refund when the client finds out this is the policy you guys Follow.
Are you aware that you’re on MoneyTransferComparison.com, a review site, a not on Payoneer’s site?
Scammers and they hang up on my phone call, they literally STOLE MY HARD EARNED MONEY!
Keep away and I am ready to provide all evidence to anyone who would like to know how those scammers work, I have screenshots from my account and from my client’s accounts who called them and verified themselves and asked them to approve my payments but they still didn’t give a shit because they are scammers!
I opened an account, started to receive payments from my clients, kept the money there because I thought it was a legit company, then, they did the worst back to me
first thing, they blocked my card for no reason, i just went to withdraw some money using this card they deducted 2$ and blocked it for no reason
second thing, a client sent me a payment, they kept it in hold for 3 days then I asked him to call them, he called them, they lied to him and told him that i’ve received the payment already, he kept calling me a scammer and I did the same and then we logged into eachother’s accounts using team viewer to see what’s wrong, I realized at that point is that payoneer is A BIG SCAM nothing more, they LITERALLY stole my money and scammed me, they took the money from the client’s account, sent him a confirmation email saying that payment was approved, and when he contacted them, they told him that I have received the payment already.
I contacted their lame support ( WORST CUSTOMER SUPPORT EVER THEY HANG UP ON ME) the indian douchebag answered and told me that my client has to call back for details, my client called them and sent me all details he asked, then he told me sir i cannot help you with anything at the moment i understand your frustration but you have to wait forever like i cannot give you any time, just keep waiting.
And they come here in the website write more teasing replies to the people’s reviews telling them that it’s because of the security, no its not about security.
It’s all about Payoneer being the worst scammers ever, I will pay every single cent I made and i will make in the future to give them bad reputation everywhere online and I just hope that someone would shut down this scam bank very soon.
I will keep posting my experience everywhere online and will buy domains just to shut them down and give them bad reputation for scamming the f*** out of me!!
NEVER USE PAYONEER, THEY WILL TAKE YOUR MONEY AND HANG UP ON YOUR PHONE CALLS
Could you provide more evidence here? We would have to edit your comment with all the racial slurs and blatant statements but we would love for you to publish your proof.
I was successfully receiving payments through Payoneer for a few months, then suddenly, on the day I was supposed to receive a payment of $516, I got the dreaded “Message from Account Approval Department” email saying that they needed more documentation. I sent more documentation but they still haven’t released my $516 and are not responding to my emails.
Hi John, really sad to hear this. As you can see from other comments in this page, it is not scarce. Their service just takes a very long time to respond which is unfair to customers.
This is me right now, only thing I’m not waiting on that amount of money. I ordered a new card, it didn’t come. So I ordered another one, and I get an email saying my ID needed to be re-verified. I ignored that email because I thought it was sent to me in error, and about a month later I called them. The customer rep then told me that email was legitimate and I needed to resubmit my ID because it’s low quality. WHAT NONSENSE! I’ve been using Payoneer since 2013/2014, and my ID was fine. And when I ordered a new card earlier this year, it was sent to me with no problem, even though it probably got lost in the mail. So why this nonsense now??? I acquiesced to their demands and sent a new one, even though I was so upset. I felt the urge to give the rep a poor score on the survey, but I thought it wouldn’t be fair since she was probably just parroting what she got from higher up, and bad scores reflect poorly on her pockets, so I ignored the follow-up email. But then I got a new email last night saying the proof of address I submitted doesn’t match the one I submitted earlier, and I had to resubmit a proof of address that matched what they had on their servers. WHAT???? I didn’t submit a new proof of address! By that I had had enough. I wasn’t planning on giving the first customer rep I spoke to a bad survey score, but after last night’s email I had to give Payoneer a piece of my mind. That’s absolutely horrible and poor customer service. If my info got accidentally deleted, or it expired, TELL ME! Stop giving me the run-around like I got time to waste.
Very sorry to hear that David. Hopefully you have found a sufficient solution to your requirements outside of payoneer.
to payoneer team. can I use /take money from my card. payoneer mastercard {edited}. please inform me quickly.thanks.
EDIT: MR. Ladul – please contact Payoneer directly with your inquiry
to payoneer team. iam difficult to contact payoneer by fone. so please help me. my payoneer mastercard 5300721116197713 located srilankan banks atm centers. and can you check it and please informe [that my card ] can I take money from an atm and can I purchase card for my businesses now thanks kindly welcome
Sometimes they don’t even respond, thats how bad their customer support is. And although I know they are a legit service in other respects, and i received quite some payments trough them, interacting and navigating with their online service makes it look and feel like they have no idea what they are doing. It’s one of those websites that has not been updated for so long, that you have a feeling it’s gonna shut down any moment. The design and user experience is like a bad 2010 horror movie.
This company is marked with fraudulence, they said sign up and get $150 so i did, up until now, i’m still not getting that money, customer service said i have to received payments first but hey, the ad never says that!!!
this is the proof – {link edited, sorry we cannot allow links to potentially dangerous websites}
I’ll not write what happened between me and Payoneer. Read the chat transcript and decide for yourself…
Live Assistance
Chat
Print the Transcript Close
Status: Disconnected
Mary: Hello and welcome to Payoneer customer care! My name is Mary and I would be happy to assist you! Please bear with me for a few moments while I pull up your information from our system. I will be right with you.
Mary: Hello, how are you?
Me: Hello
Me: I have huge problem
Mary: 🙂 hey
Mary: I am sorry to hear that.
Me: I checked your links (Why was my payment declined) and did not find the answer to my question
My customer **** **** has already received my products and their invoices
Me: and He made the Payoneer payment. NOW my products are gone and you declined the payment!!
Now I lost the products and lost the money
Communication with the Oracle Service Cloud Chat service has been lost. Please wait while attempts are made to restore the connection.
Disconnection in 240 seconds.
Connection resumed.
Mary: I will be happy to check the status of your payments for you. Before we proceed, please provide some details for identification.
Mary: Sir, I am here to assist you and to help you as much as I can.
Me: I know the status of my payment
Me: I’m here to know why you declined it?
Mary: I understand what you are saying and I understand your urgency. If you would like to get an assistance on chat, we need to complete the verification process.
Me: Okay
Mary: that is why I am asking you to provide some details
Mary: do not worry, I am not running away, I am with you.
Mary: Please provide me with your date of birth in the US format (Month/Day/Year).
Me: ******
Mary: Thank you. Please provide me with the answer to your security question:
Mary: What was the model of your first car?
Me: *****
Mary: Thank you.
Mary: as I understand both payments you have received have been cancelled. Let me check that for you.
Me: The payment request id: **** was made successfully yesterday and it was declined not cancelled
Me: Declined by Payoneer
Mary: thank you for providing all the details.
Mary: Let me check that for you.
Me: Thank you
Mary: I appreciate your patience while I review this.
Mary: I am still looking into this issue for you. I appreciate your patience
Me: Take your time
Mary: okay
Mary: I have double checked. I am sorry but I am not able to provide you a proper answer regarding the status of these payment. I will transfer your request to the Payment department to review it and investigate. We will notify you via e-mail as soon as we have any updates regarding this issue.
Me: And what shall I do now? just simple like that there are no answers. if there are no answers then why it was rejected? Who will recover my loss now??
Me: This is how business is done with you. putting pictures of successful CEO’s on your home page
Mary: for now you just need to wait. Once we get an update from the Relevant Department, you will get an e-mail. There should not be a delay. It will take few business days for the issue to be reviewed
Me: Are you aware that I already delivered the goods to the payer?
Me: And now the goods are in used status
Me: And I can’t take them back
Me: And now the customer has the choice to pay or not?
Me: This should be solved right now
Mary: yes, you have told me about it. Please be advised that I need to transfer the issue to the relevant department to investigate it and explain you why it has been rejected.
Mary: I understand what you are saying and your urgency
Mary: but please note that you need to wait for the e-mail.
Mary: I’d be frustrated too.
Mary: Is there anything else I can help you with?
You have disconnected.
They blocked my account and wouldn’t tell me why because of “undisclosed” reasons.
🙁
Hi, i am very upset with Payoneer, all my colleagues were able receive their payment. I have called and emailed them asking if entered the right account number but they can’t verify it. I am afraid as our next payment will be transferred again to payoneer and i dont know how can I transfer it to my local bank without having issues. I would appreciate if you can help me. thank you
I would not be able to help you I’m afraid. As you can read there are already dozens of bad reviews about Payoneer and we no longer recommend using them.
I have paid $1000 to payoneer of my partner via credit Card. Maybe it’s 19th of May.
But he didn’t get anything and my credit card is paid $1000 correctly.
I don’t know where is my money ;(
When my partner get the money?
I will be pleasure if you can help me what should I do for that.
Best Regards
Sorry for your situation but unfortunately Payoneer do not respond to inquiries on this page.
How long I have to wait for receiving money?
Is the money pending for a few days?
I was going to sign up with PAYONEER, but having gone through this review, I do not think it’s worth it. Can you recommend a another good one, but not PayPal please.
What do you require? Which kind of services are you interested in? What kind of volumes?
Payoneer is a total fraud/scam. About one in five new accounts will actually receive access to funds they receive in their accounts. For the other four – the money is simply stolen by Payoneer. They should be in jail!
That is a strong claim which we do not agree with. I met with the the company and my impression of them was overwhelmingly positive. I just think that their support staff is somewhat lacking and there are delays that shouldn’t happen and payment errors, but saying they are thieves is over the top.
The consumer does not want to deal with a 100% robotic system it’s just un-appealing. Nobody wants to deal with staff who are trained to respond repeatedly with generic responses that don’t apply, whilst chanting the company mantras.
People keep asking what is the alternative to Paypal? how can I get paid for my services and/or product and access that money as quickly as possible?
Nobody seems to be able to answer that question? It’s no good asking somebody from Paypal or Payoneer because they are trained to sing the praises of the company they are employed by. One is forced to read between the lines.
The poorer the quality of support is the more likely the consumer is going to be in demanding the replacement of humans at the support centres with AI. Is this one of the objectives? is that the vision? If it works here on Earth will it work on Mars?
I have spent years on the phone to customer services for hours at a time having the patience of a saint, being grateful and never getting upset with the agents or supervisors despite the tedious process. In my mind the more popular a company becomes (which is of course the aim and objective of the company and investors ie: rapid growth/ increase in value of shares and the company itself before selling it for a profit) the worse the supports gets, typically deploying more and more AI technologies to cope with all that the processing which generally from my experience debilitates and hinders the service even further. There are no people to talk to most of the time, they are very hard to get hold of, you have to know how to trick the automated system by repeating speak to agent ten times before the system gives in and says OK let me put you through to somebody that can help, the option is not given the system has to be fooled, you are asked for a 6 digit number that you not requested or received from them without it you cannot proceed, so ten times; Speak to agent and you get through that and finally speak to somebody. The only thing that is made impossible is to withdraw your money to your bank account.
You can receive and spend with the service but can not withdraw same day (3 days).
So what are the alternatives,? what do you suggest and advise I do?
Am I going to have the same problems with withdrawing money via Payoneer?
It takes days for somebody to sign up for it so if they are not a member it’s still going to take days if not a week or more to make a transfer of funds.
I am going to call Payoneer customer services first thing tomorrow to discuss.
If anyone hear can answer any of my questions I would greatly appreciate it.
I beg to disagree.
They are connected to Gibraltar and Belize. Two well know tax evasion and money laundering paradises.
I cannot from what I’m reading here, and my experience with them determine if they are retaining their customers money out of whim, incompetence or if it’s intentional.
While the reason is legally important in order to determine if they are committing fraud, in practice by retaining their clients money unduly they are basically abusing the trust of their clients for financial gain. It’s fraud.
Being connected to a tax haven is not a legal fault. They have offices in Israel and NYC two of the strictest countries on tax evasion.
I think they have some incompetency as reflect on the client reviews but it is a super serious company and I am doubtful they are abusing trust for potential gain. It is possible, of course, but my opinion as someone with plenty of experience in this industry that it’s not a fraud or a scam or a trick, it is simply a company that deals with millions of clients from different regions , each transferring very small amounts, and the overhead is huge.
They wait until you have enough money in your account and then they block access to your account and your funds will disappear. I have been trying to get in contact with them for a month but their customer services is useless and they will just tell you that they are looking into it. Total scam
Ive reada number of reviews on here, and most of it sems to be about Payoneer contacting or resolving issues, I have to say that each time I spoke to them, despite being on live chat for 30 mins waiting I was able to resolve the issues I had with my account and card, I know that some transactions can take time (and Upwork like to delay payments to them) but apart from a few set ups issues the rest of the service has been great, I got my card inside 2 days (said it could take 28), transfers are instant but he costs can rise, it is better to withdraw larger amounts in fewer withdrawals than it is to do lots of little ones, I would recommend this service, it does exactly what it says on the tin
Thank you Jim, that is indeed nice to see a positive feedback among all these complaints.
I am just a small potato who owns a short-term rental home that I rent out through VRBO. VRBO now offers Payoneer as a means of payment processing for owners. I am considering changing to Payoneer because they seem to offer lower rates. After reading the above reviews, I will stay with my current processing company as I don’t need the customer service problems or delays mentioned above. The State, County, phone company, property manager, insurance, credit card, electric and water companies want their money on time with no hassles and so do I.
Many thanks to all of you who have given their comments about Payoneer. You have saved me from making what probably would have been a big mistake.
I was pretty hesitant because of some negative reviews. But by following their instructions regarding deposit types (direct banking transaction versus wiring, etc.), this has been a fantastic find for me! I was paying almost 10-20% to receive UK payments through a third party service as a freelancer. With Payoneer’s relatively low conversion/withdrawal fee I am keeping much more of my gross. I have been using Payoneer for several months without a hitch.
Yes! Nice to hear a good review finally! Thank you for that. My personal experience with them has been good too, so it caught me by surprise the amount of people who left negative comments here, good to see there are indeed people satisfied with their services which only makes sense as they have hundreds of thousands of them.
Don’t use their service! This service is only for scammers. I paid 500 eur to developer and he disappeared after that i don’t know what to do. Try to contact this payment system but they doesn’t respond on my e-mails and looks like they don’t care about nothing. SO SCAMMERS THIS SYSTEM IS THE BEST FOR YOU
Payoneer is a scam company, i was asked to provide my id after i received my first payment into my account which i provided. after some days of waiting my account was blocked for no reason and i contacted the cs, they were just saying trash. i have promised that i will take legal action to make sure that this company is shut down and the perpetrator are jailed. i have all evidence
They’ve held my $9000 for over 40 days. In the last email, they basically said, “dont call us, we’ll call you” It’s a convenient service – until something goes wrong…
Payoneer has lost $9000 of my company, incompetent! They haven’t responded to my last email.
This is crazy that they won’t even respond to your inquiry. Did you consider using other companies?
I’ve requested withdraw to my bank account and right now I’m waiting for 17 days to get money….Who knows how many more days I’ll wait.
From people’s experiences here it seems like you could be up for a long wait.
They keep money without notice and without a given reason for undefined amount of time.
Layla: Hello and welcome to Payoneer! My name is Layla and I would be happy to assist you! Please bear with me for a few moments while I pull up your information from our system. I will be right with you.
Layla: Hello Maksim, how are you?
Maksim: bad
Maksim: why my account is blocked?
Maksim: and how I can get my money?
Layla: Your account is blocked?
Maksim: yes, I did not receive any notice, just found it in grocery store
Layla: I will be happy to check this for you. Before we proceed, please provide some details for identification.
Layla: Please provide me with your date of birth in the US format (Month/Day/Year).
Maksim: **/**/**
Layla: Thank you.
Layla: I am looking into this for you. One moment please.
Layla: Thank you for holding.
Layla: I see the account is open, but the card is blocked, due to an internal review we are performing in some of our accounts.
Layla: I apologize for the inconvenience.
Maksim: Return me my money
Layla: We didn’t take any money. You account is under review, and all of the funds are in your account. Nothing was taken
Layla: We will review your account ASAP, and let you know once we have any updates
Maksim: I need to use it today. I did not receive any notice about reasons or time of review.
Layla: Please note that according to our policy we are allowed to prform reviews on your account, when the issue is pressing. I assure you we will make sure to continue ASAP to avoid any further inconvenience.
Layla: We will not be able to open the card today
Maksim: Please tell me a precise time of review
Layla: Unfortunately, I can’t/ The issue is already under review, but I don’t have exact time frame.
Maksim: So what I hear is that the company holds my money for undefined amount of time without a given reason
Maksim: I will take it as official answer
Layla: Not exactly.
Layla: We review your account as a routine review of the accounts. The review is internal, and allowed per our policy.
Layla: I apologize for the inconvenience, but it has to be reviewed.
Layla: I have not heard from you for a while. This chat will disconnect soon.
Maksim: Can you create a support ticket with reference number to keep me updated on this?
Layla: Sure. I will make sure to update you along the way of the review.
Layla: The reference number is 171124-003139
Sorry to hear that, Maksim. As you can read, there are plenty of other bad experiences.
OMG !!!!!! What kind of a company is that??? International payment provider : seriously ??? This company is just a bit joke. I have been working with dozens of intl and local online payment providers for the last 5 years. I have NEVER EVER experienced just a BAD and LOW LEVEL of customer service as I did with PAYONEER.
They simply do NOT answer customer service tickets unless you harass them to get a reply and it comes after weeks and several follow up emails.
Their solution is NOT working, months after I opened a business account
They ask you tons of documents and for nothing because your account just doesn’t get approved
They just DO NOT REPLY when you try to contact them !!!
And you want to trust this company to manage your money or your customer payment ?…. Just run away as far as you can from this company !!!
I wish I would have known that this company is a piece of crap. Wire transfer is taking over a week and when you call the reps are talking down to you and the useless supervisors that cant do anything. Unbelievable to have a wire take over 3 weeks because they cant find the funds that they transferred. Recommend NOT TO USE THIS COMPANY at all!
I think they just don’t care about the new clients. They blocked my card so I can’t receive money, reviewing my account more than a month… still waiting. They deleted my post in their forum only because I asked some questions(sic!). Jeez, I’m not even started to do business with them.. so much negative experience.
On sitejabber.com I wrote a review and they asked me to send them private message about this issue
“Hi there Elvin,
We are sorry to hear about your frustration. Please note that when a card is blocked, it is due to the details being compromised or our security department has noticed suspicious activity. The purpose of blocking the card is to protect ones account and their funds. We would like to look further into your issue. Please send us a private message with your customer ID and email associated to your Payoneer account. We will follow-up with you after we have finished our review.
Thanks,
The Payoneer Team”
.. and guess what? there are no PM button, spent another hour for looking it.. hilarious. They just fooling a peoples around.
i used payoneer escrow for a 10k transfer to buy something, its now almost 4 weeks to get this transfer sorted. An extra $20 was taken in transit (i was never notified) my login shows different information to the seller, when i call payoneer their escrow logins are different to their normal logins. Ive called over 10 times, spent hours on the phone trying to resolve this $20 which i got no email to explain the problem.
I have used many escrow services, without doubt this is the worst, total group of incompetents and this issue could easily not happen if their site was actually working.
PLEASE AVOID USING THIS SERVICE AT ALL COSTS
We did not know about their escrow. What’s the use case, why use them for it?
I have been using them for more than a year and honestly had no issue. Just last week I deposited funds to my Payoneer card as normal only to be told that I cannot access same until I send them proof of my banking details. I don’t even know where they are located and I’m to send them ALL my banking details? Each time I reach out to them for clarification I get a generic response. Quite frustrating.
Payoneer transactions are not really transparent. Only now I discovered that I pay for each of my transactions an extra 3.5% “cross-border” fee, because my card was issued in some random country that I haven’t been to and won’t travel to in the nearest future. This fee is not visible in the history of the transactions, I paid attention to it only because the sum I paid was higher than usual, and these extra 3.5% stood out.
It should be noted that other companies, credit card issuers, and banks aren’t any more transparent than Payoneer. That’s just the nature of the industry.
I just opened a Payoneer account because some people gave testimonies about how Payoneer helped them save money compared to Paypal, but I haven’t used it yet. Now I’ve read all the comments here and am getting worried.
Any follow-up news regarding those who had their accounts blocked or payment/transfer not received?
I am doubtful people didn’t get some kind of a resolution from Payoneer in regards to payments that were not found. There are severe issues with operations and customer service but in spite of all the comments here I have been to their offices and can tell you they are a serious company.
I do not understand how a company and their staff could be so heartless and inhuman. My over $200 was seized for more than one month with no tangible reason as to why it is done. I contacted their support team through live chat more than 7 times for an update and to know why they took that drastic action, during the course of the one month plus, but all I get was negligence and harsh response.
As a freelancer on Fiverr, my payment comes from there and totally rely on Payoneer to get my payments. But my hard earned money was seized immediately I withdrawed it and my account was blocked with my money in it. They refuse to let me know why they did that and they refuse to remove their card and account from my Fiverr account. I don’t know why but looking at all the user data buying and selling that has been going around among companies that we gave access to our data, I think Payoneer intentionally did this to monitor my transactions with Fiverr behind my back or even something worse who knows? Because if not, why would you seize my hard earned freelance money, kick me out of your service and still refuse to disconnect yourself from my account which happens to now be useless to me?
Bottom line is these people never cares about users but themselves and will take any slight excuse to rip you off and kick you out (be glad if they gave you an excuse).
STAY OFF!!!
They make you wait if you are seeking a refund for any payments that you’ve made to a merchant and needs a refund. Then conveniently after 3-4 weeks, they tell you that since the payment was processed more than 10 days ago the money cannot be refunded back. STAY AWAY. this is not a user-friendly system especially for those that are paying for a service as the money is not in an escrow- they take absolutely no responsibility for the money. I have worked with other payment companies which have much better customer service. I have no idea how the US allows such companies to exist where you can lose your money with no way to get it back –
They literally closed my account because I am a realtor, though I have been with them for over a year and the funds I receive are transferred from my PayPal and not sent directly to my Payoneer and, though the payments I receive have nothing to do with real estate which they were aware of as I provided documents for each payment I received for 2017 and 2018 from both my PayPal and the backend of my social media pr website which aligned to show that the payments were not real estate related.
I used them mainly because in my country I can’t spend or withdraw over 100 USD per day to my visa card via PayPal as they have a reload limit because of the lack of USD in the country and though I have PayPal in my country it doesn’t allow you to withdraw to any bank accounts in the country.
I referred literally hundreds of people to Payoneer via affiliate marketing methods and even some personal friends, some of which have later expressed their own individual problems with the service. All in all, I wouldn’t recommend it, you may be good at the start but even if you have all your stuff in order and you’re doing things correctly it seems like you’d end up running into problems with them sooner or later.
Hi, your feedback is important and appreciated.
We cater payment solutions to freelance, online selling on marketplaces, and affiliate activity. I’m sorry if you ever had the impression that we are a consumer e-wallet, or a bank account service.
With that being said, I’d be more than happy to assist you with any further inquiry.
HI, My message is to the admin of this forum,I wanted to suggest to make it mandatory to put in the reviewers country name while posting a comment on this page just like the way you made it mandatory for the Name & Email Address, and commentors should not be allowed to put a wrong name of the country they are posting from as your form should only accept a country name according to their IP address,
Now why i am suggesting this is because i want to know for what countries is payoneer really working well and the countries for which it is not. Thanks in Advance.
Thanks Paul, that’s not a bad suggestion at all. Vast majority of comments on this page are from South East Asia where this service is highly popular, by the way.
My name is Shoeb Mohammad, from Bangladesh, I have been using Payoneer for 6+ years now, I have had excellent experience using Payoneer, firstly, it allowed me to bring in my income from marketplaces and crowdsourcing platforms i.e. oDesk, currently UpWork, Elance, also currently acquired by UpWork, PeoplePerHour etc. without the mandatory bank fees which were enormous.
Secondly, I admire Payoneer as it has a core goal of building communities, we have a strong community present of Graphics designers, Web Developers, Digital Marketers and other online professionals, through many forums, workshops and co-hosted events Payoneer has created much connection, Payoneer also promotes individual business to thrive, I have observed many local online based business to use Payoneer correctly to ideally expand business with foreign clients and companies.
Payoneer is maturing fast, there are numbers of new features which are extremely helpful for any online based business and freelancer to undertake, i.e. billing services, currency conversion and many more.
This cost-effective solution outruns other expensive solutions which also takes longer to process a payment, Payoneer is fast and effective, the customer care is absolutely amazing.
No matter how big or small an entrepreneur is, Payoneer ensures the cross-border solution is provided in most professional manner.
I highly recommend using Payoneer for any online professional and sellers out there.
My experience with Payoneer is great, it is simply, straightforward and cost effective. Here in Serbia Payoneer is best solution for freelancers and small business, also they are only one besides banks which are allowing direct withdraw of funds to bank account. All issues which I had where solved quickly via live chat or telephone call to their support.
Thank you Sasa!
I am from Bangladesh. I work as a graphic designer and I have an agency of 8 people. I have been using Payoneer service since 2011. I have not found any better payment service than Payoneer. I receive my online work payments through Payoneer and I pay my contractors through Payoneer. I can run my business very smoothly because of Payoneer. I can withdraw my funds from Payoneer to local Bank and can get a very good conversion rate. This way my business profit has increased. I did not face any critical problem while using my Payoneer account. I have maintained my account by following their terms and conditions and with my legal identity. If I have any kind of payment/account related issues I contact their support center and I get the solution. Thanks to Payoneer for providing their service in Bangladesh.
Hey, I run mid-size company in Ukraine with 60 employee for now. We do software development as service and we use Payoneer for more than 6 years.
We use it in few different ways:
1) accept regular payments for our services – mostly from customers in EU
2) pay our developers: via banks and on other Payoneer cards
3) accept random payments for our IT business events from East European visitors
I personally use it to pay for airtickets, renting apartment and other services.
So far I have only positive attitude toward them. I lost my card few time, my card was scammed somewhere in my trip in Middle East and each time Payoneer service support was very responsive and professional.
In Ukraine it is definitely best service to use for IT specialist. Definitely worth trying.
Hi, Good day,
I have an account with Payoneer, i recently got 63 dollars payment from Clixsense, on the 17th of July 2018, i need to withdraw it to my bank account but it now says the maximum is 1000 dollars. i was made to understand i will be charged a percentage to withdraw to my bank account.
I need my hard earned money. i have worked for months for that, you people already took the 2 dollars charge i need my 60 dollars in my Nigerian dorm account.
Thanks.
I had to send them multiple emails with scanned documents. I am not sure what is the problem on the other side while receiving them, each time different customer service person responds saying they need the documents. One of the service representative mentioned that scanned copy is not clear! I re-scanned with highest resolution and emailed. They responded to send it again. I even uploaded on Google drive and shared the URL. Finally I get an email saying me to go with alternate service provider, we cannot provide service.