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Maya vs Payoneer
Maya and Payoneer are both payment receiving platforms. On a $1,000 payment you keep about $1,000 on Maya and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $1,000 on Maya and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only Maya offers ATM via Maya card. Only Payoneer offers ATM card.
- Maya is the older platform — founded in 2000, 5 years before Payoneer (2005).
- Maya is based in Philippines, Payoneer in United States.
- Maya focuses on the Philippines, while Payoneer operates internationally.
Which should you choose?
Choose Maya if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via ATM via Maya card.
- You prefer a long track record (since 2000).
- You live in the Philippines.
Choose Payoneer if…
- You want to withdraw via ATM card.
Side by side
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Maya
A Philippine digital wallet and bank where users receive payments and pay merchants.
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Payoneer
The freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected d…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | No | Yes |
| Fees | Free Maya-to-Maya, ~PHP 15 bank transfer | Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6K |
| Withdraw via | Bank transfer (InstaPay), ATM via Maya card | Bank transfer, ATM card |
| Availability | Philippines | 190+ countries |
| Local to | Philippines | — |
| Founded | 2000 | 2005 |
| Headquarters | Manila, Philippines | New York, United States |
| Stock ticker | — | NASDAQ: PAYO |
| Popularity | 40 views · 0 likes | 58 views · 0 likes |
Frequently asked questions
Which is cheaper, Maya or Payoneer?
On a $1,000 payment you keep about $1,000 on Maya and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
Where are Maya and Payoneer available?
Maya: Philippines. Payoneer: 190+ countries.