Payoneer vs Statrys: Account & Pricing [2025 Comparison]

Choosing Between Payoneer and Statrys? You’re in the right place. 

First, let’s understand that both platforms are built for different users. Payoneer is a strong choice for freelancers and platform sellers who prioritise reach and automation. Statrys is designed for SMEs that want more control over how they move money across borders, especially in Asia. 

Rather than telling you which platform is “better” on paper, you should understand which platform is better for you. In this guide, I’ll walk you through the key differences:

• Which platform gives you more control over fees and currencies
• Who’s better for businesses vs. freelancers
• What kind of support you’ll actually get when something goes wrong

If you’re scaling an SME or managing cross-border payments, 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 integrate 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 FX control. Payoneer is a fit for freelancers and online sellers who focus on receiving payments from 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.

Both Statrys and Payoneer offer physical and virtual Mastercard® cards for business spending, but their card programmes differ in eligibility, fee structure, and usage flexibility.

Statrys issues cards to companies registered in Hong Kong or Singapore. The first card is free, with additional cards at USD 6/month. Cards are HKD-based, with an annual spending cap of HKD 600,000 and ATM withdrawals capped at HKD 120,000. Foreign transactions incur a 1.5% fee. However, Statrys includes a maker-approver role for added control over team spending.

Payoneer cards are available once you’ve received at least USD 100. Cards can be issued in USD, EUR, GBP, or CAD. However, the number of cards you can get depends on how much you’ve received in the past 6 months. The first card costs USD 29.95 per year, but additional cards are free. Payoneer offers higher spending limits, up to USD 200,000 per day (subject to approval), and supports mobile wallets like Apple Pay, Google Wallet, and Samsung Pay. FX fees are waived if no currency conversion is involved; otherwise, fees can go up to 3.5%.

Overall, Statrys provides clearer limits and cost structure, while Payoneer offers more flexibility in currency options, higher spending limits, and digital wallet compatibility, which is useful for businesses with high-volume, international card usage.

Statrys offers a more straightforward application process for eligible businesses, as you only need to submit identity documents and a business registration certificate to complete an application. While Payoneer require more documents upfront, their services are available in a wider range of countries, making them accessible worldwide.

However, both platforms provide a fully online setup process with approval times within 3 business days, making onboarding 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 holds a Trustpilot rating of 4.4 out of 5, with users highlighting the clear pricing, responsive customer support, and user-friendly platform. Some reviewers, however, note that applications may be rejected based on business type or location.

In comparison, Payoneer has a Trustpilot rating of 3.8 out of 5 from a significantly larger user base. Customers value its global accessibility and compatibility with major marketplaces, but common complaints include delayed support responses, account holds, and difficulties during verification.

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.