Payoneer vs Statrys: Account & Pricing [2025 Comparison]

Choosing between Payoneer and Statrys depends on what your business does and how you manage your business payments. Statrys is suitable for SMEs incorporated in Hong Kong, Singapore, or the BVI that want a multi-currency business account, predictable flat fees, and human support with a dedicated manager. 

Alternatively, Payoneer suits freelancers, contractors, and platform sellers who need local receiving accounts, quick conversions, and deep marketplace integrations.

Rather than telling you which platform is “better” on paper, you should understand which platform is better for you. We'll walk you through the key differences, such as:

• Which platform gives you more control over fees and currencies, including how flat fees compare to variable charges and FX markups in real scenarios
• Who is better suited for businesses versus freelancers, with a clear look at eligibility and use cases
• What kind of support will you actually get when something goes wrong, from dedicated managers to self-service help centres

By the end, this guide will help you choose the solution that fits your business, not someone else’s.

Let’s dive in.

Feature Comparison

Both Statrys and Payoneer offer multi-currency solutions, international payment capabilities and integration with Xero and PayPal. However, there are some key differences worth highlighting.

Statrys offers a Hong Kong-based multi-currency business account where you can hold and manage 11 currencies under a single account number. You can send and receive payments in over 140 countries, track SWIFT payments in real time, and make local payments in 12 currencies, including USD, CNY, EUR, GBP, and SGD. The account also comes with FX hedging tools, which can help manage currency fluctuations.

Payoneer, on the other hand, gives you local receiving accounts in 9 countries. This lets you accept payments like a local business and send money locally in those regions, or internationally to 190+ countries via SWIFT. While it doesn’t offer advanced FX tools, it does provide simple, real-time conversions for everyday use and integrates with over 2,000 platforms such as Amazon, Fiverr, and Upwork.

In short, Statrys is better suited for businesses managing international payments across multiple currencies with a need for advanced FX control. Payoneer is a fit for freelancers and online sellers who prioritise quick, straightforward conversions and integrations with global platforms.

For full pricing information, please visit the Payoneer pricing page and Statrys pricing page.

Fees Comparison

Statrys and Payoneer both offer free account opening and no monthly maintenance fees, which makes them accessible for startups and small businesses. However, their approach to transaction and usage fees differs in ways that may matter depending on your business needs.

Statrys applies a flat-fee model for most services, such as HKD 25 for local payments in major currencies, HKD 85 for international SWIFT transfers, and FX fees starting from 0.1% above the mid-market rates. These fixed rates make it easier for businesses to predict costs and manage cross-border transactions consistently.

Payoneer uses a more variable fee structure, with charges that depend on factors like recipient location, currencies, and whether the recipient has a Payoneer account. For example, sending funds may cost $4 for local Payoneer users, up to 1% for international Payoneer users, and up to 3% for non-Payoneer users. While it’s free to receive payments between Payoneer accounts, receiving certain currencies from bank accounts may incur 1% fee. Also, Payoneer adds a 0.5% markup to the wholesale exchange rate for conversions.

Overall, Statrys offers more predictable pricing, while Payoneer can be more cost-effective for businesses that regularly transact between Payoneer accounts.

Statrys offers a more straightforward application process for eligible businesses, as you only need to submit identity documents and company incorporation papers. Payoneer, on the other hand, requires more documentation upfront, including proof of address, bank verification, and, in the case of companies, incorporation and tax documents.

While Payoneer’s wider country coverage makes it accessible worldwide, both platforms provide a fully online setup with approval times within 3 business days, making onboarding relatively quick and convenient.

Customer Support Comparison

Statrys offers live, human‑to‑human support across multiple channels, including phone, live chat, and popular messaging apps such as WhatsApp and WeChat. Each client is assigned a dedicated account manager, and working hours are clearly communicated. This hands‑on approach is ideal for businesses that value quick access to real‑time assistance and a single point of contact who understands their account.

Payoneer takes a more structured, self‑service approach. Its AI‑powered help centre and online knowledge base are the first points of contact, supported by an online query form. Live chat and phone support are available but require users to log in, which can be less immediate for urgent issues.

In short, Statrys prioritises personalised service, while Payoneer focuses on scalable self‑service tools. Which approach is better depends on whether you value a dedicated human touch or are comfortable troubleshooting independently.

Statrys maintains a Trustpilot rating of 4.3 out of 5, with users frequently highlighting the personalised customer support, transparent pricing, and simple digital onboarding. Many appreciate that compliance procedures, while strict, reflect Statrys’ commitment to secure and professional service. A few reviewers mention account restrictions for specific jurisdictions or slower follow-ups during reviews.

Payoneer, with 3.8 out of 5 from a much larger user base, is praised for its reliability with marketplace payouts and ease of linking to ecommerce platforms. However, recurring concerns include account freezes, delayed responses, and transaction fees that vary by region or payment type.

While both providers offer accessible multi-currency solutions, Statrys is often preferred for its personalised support and transparent setup, whereas Payoneer appeals to freelancers and global sellers looking for platform integrations. Therefore, the best fit depends on your business model and priorities.

Statrys and Payoneer serve different needs. The right choice depends on how your business receives payments, where your clients are, and the level of support you expect. Here's a quick guide to help you decide.

Who Should Use Statrys?

• Businesses incorporated in Hong Kong, Singapore, or the BVI that need reliable access to multi-currency business accounts.
• SMEs and entrepreneurs working with overseas clients and suppliers who prefer predictable fees and lower FX costs.
• Companies looking for hands-on support with a dedicated account manager and multi-channel communication (email, phone, WhatsApp, WeChat).

Who Should Use Payoneer?

• Freelancers and ecommerce sellers getting paid through major platforms like Fiverr, Upwork, or Amazon.
• Companies that need to send mass payouts to contractors or vendors in different countries.
• Users who are comfortable with automated and self-service support.
• Those who regularly deal with other Payoneer users.