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Platform type · 53 live platforms

Payment receiving like Payoneer

Get paid for your work — accounts anyone can open to receive money from clients and marketplaces.

Best for: Freelancers and sellers who need to receive client and marketplace payments across borders

Start here if… I live outside the US or EU and want to earn in dollars

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Updated October 30, 2026

Compare the top 12 payment receiving platforms

Verified against official pages

Platform	Platform's cut	Typical pay	Minimum payout	Pays via	Who can join
PayPal	Fees vary by transaction type and…	—	—	Bank transfer +1	201 countries
Wise	Low conversion fees at the mid-mar…	—	—	Bank transfer +1	76 countries
GCash	2%	—	No minimum for InstaPay ba…	Bank transfer +1	Philippines
Mercado Pago	0.5–6%	—	No minimum for Brazil pers…	Bank transfer +1	7 countries
Revolut	0%	—	—	Bank transfer +1	48 countries
Paytm	0%	—	—	Bank transfer (UPI)	India
Cash App	0.5–1.8%	—	—	Bank transfer +1	United States
Payoneer	0.5–4%	—	—	Bank transfer +1	190+ countries
Skrill	2.8–4.5%	—	—	Bank transfer +2	Worldwide
M-Pesa	0%	—	—	Cash agents +1	Kenya
Easypaisa	0%	—	—	Cash agents +2	Pakistan
Orange Money	Receiving free, tiered sending/cas…	—	—	Agent cash-out +2	17 countries Africa + Middle East

A dash means we haven't verified that detail yet. See all 53 payment receiving platforms ↓

All 53 payment receiving platforms

Best documented first: verified earnings, fees and sign-up rules

PayPal4.1Bronze 30 ptsPayment platform

The most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost any client in the world.

Fees Fees vary by transaction type and countrypaypal.com

Wise3.4Bronze 20 ptsPayment platform

A multi-currency account with local bank details in 9+ currencies - clients pay you like a local, and conversion happens at the mid-market rate.

Fees Low conversion fees at the mid-market ratewise.com

GCash3.4Silver 50 ptsMobile money

The Philippines dominant mobile wallet - receive payments by number or QR, with bank cash-out and heavy freelancer adoption.

Fees Free in-app transfers, ~2% agent cash-outgcash.com

Mercado Pago3.8Gold 55 ptsPayment platform

Latin America biggest payments app - anyone can receive via QR codes, payment links, and card readers, with or without selling on MercadoLibre.

Fees Free P2P, ~0.5-6% merchant receiving feesmercadopago.com

Revolut3.8Bronze 30 ptsPayment platform

A financial super-app with multi-currency accounts - freelancers receive international payments and hold, exchange, and spend dozens of currencies.

Fees Free standard plan, ATM/FX fees beyond allowancesrevolut.com

Paytm3.4Gold 55 ptsPayment platform

One of India biggest payment platforms - individuals and merchants receive via UPI and QR codes, with a full business suite for small sellers.

Fees Free UPI payments, legacy wallet restrictedpaytm.com

Cash App3.6Silver 40 ptsPayment app

The US peer-to-peer money app by Block - receive payments instantly to your cashtag, with a free debit card and bank cash-out.

Fees Free P2P, 0.5-1.75% instant depositcash.app

Payoneer3.4Silver 35 ptsPayment platform

The freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected directly to Upwork, Fiverr, Amazon, and dozens of marketplaces.

Fees Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6Kpayoneer.com

Skrill3.7Silver 40 ptsDigital wallet

A digital wallet long popular with freelancers and online workers for receiving and sending money internationally at low cost.

Fees Free to receive, 2.99% to send, 2.8% withdrawal (min EUR 3.50), 4.49% FXskrill.com

M-Pesa3.2Bronze 30 ptsMobile money

The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small businesses charge through till numbers.

Fees Free deposits, tiered P2P and agent withdrawal feessafaricom.co.ke

Easypaisa3.5Bronze 25 ptsMobile money

Pakistan most used mobile wallet - receive money to your phone number, get paid by customers via QR, and cash out at agents everywhere.

Fees Free in-network transfers, tiered agent cash-out feeseasypaisa.com.pk

Orange Money3.3Bronze 15 ptsMobile money

A widely used African and MENA mobile-money service for receiving and sending money.

Fees Receiving free, tiered sending/cash-out fees by countryorange.com

PhonePe3.3Bronze 25 ptsPayment platform

A leading Indian payments app where users and merchants receive money via UPI and QR.

Fees Free UPI payments for consumersphonepe.com

Toss3.1Bronze 20 ptsDigital wallet

South Korea leading fintech super-app for transfers, payments, and receiving money.

Fees Free P2P transferstoss.im

PicPay3.3Bronze 30 ptsDigital wallet

A Brazilian payment app where people and merchants receive money, pay, and transfer.

Fees Free account and Pix/P2P transferspicpay.com

Maya3.2Bronze 25 ptsDigital wallet

A Philippine digital wallet and bank where users receive payments and pay merchants.

Fees Free Maya-to-Maya, ~PHP 15 bank transfermaya.ph

Nequi3.2Bronze 20 ptsDigital wallet

A Colombian digital wallet where users receive payments, transfer, and pay merchants.

Fees No maintenance fee, free withdrawals at Bancolombianequi.com.co

bunq3.7Silver 35 ptsPayments and wallet

Mobile business account popular with Dutch freelancers for receiving payments.

Fees Free plan, paid plans ~EUR 3-19/mobunq.com

OPay3.0Bronze 15 ptsMobile money

A Nigerian fintech where individuals and merchants receive payments and transfer money.

Fees ~NGN 10 per transfer, ~0.5% agent withdrawalopayweb.com

PayPay3.1Bronze 20 ptsPayments and wallet

Receive and hold payments on Japan dominant QR wallet.

Fees Free P2P, bank withdrawal 100 JPYpaypay.ne.jp

Tikkie3.2Bronze 25 ptsPayments and wallet

Send iDEAL payment requests to get paid fast - widely used by Dutch freelancers.

Fees Free for personal usetikkie.me

Monobank3.2Bronze 20 ptsPayments and wallet

Open a sole-proprietor account to receive client payments, including SWIFT and SEPA.

Fees Free P2P own funds, ~1% to foreign cardsmonobank.ua

MTN MoMo3.3Bronze 30 ptsMobile money

MTN mobile-money service across many African markets for receiving and sending money.

Fees Tiered cash-out fees ~0.5-2%mtn.com

bKash3.2Bronze 25 ptsMobile money

Bangladesh dominant mobile money service where anyone receives and cashes out payments.

Fees Free P2P within limits, agent cash-out 1.49-1.85%bkash.com

MoMo3.2Bronze 20 ptsDigital wallet

Vietnam leading e-wallet where individuals and merchants receive payments by QR.

Fees Free P2P, 3 free bank withdrawals/monthmomo.vn

TWINT3.2Bronze 20 ptsPayments and wallet

Switzerland dominant mobile payment app - receive and send money by phone or QR.

Fees Free P2P for individualstwint.ch

TrueMoney3.2Bronze 25 ptsDigital wallet

A Southeast Asian e-wallet for receiving payments, transfers, and bill pay.

Fees Free top-up/payments, ~20 THB bank transfertruemoney.com

Zalopay3.3Bronze 20 ptsDigital wallet

A Vietnamese e-wallet where users receive payments, transfer, and pay merchants.

Fees Free transfers within monthly limitszalopay.vn

Vipps3.2Bronze 25 ptsDigital wallet

A Nordic mobile-payment app (Vipps MobilePay) where people receive money and pay easily.

Fees Free domestic P2Pvipps.no

Telebirr3.3Silver 35 ptsMobile money

Ethiopia mobile-money service where users receive and send payments by phone.

Fees Free registration, tiered transfer/cash-out feesethiotelecom.et

Wave3.2Bronze 30 ptsMobile money

A West African mobile-money app with low fees for receiving and sending money.

Fees Free deposits and withdrawals, 1% P2P feewave.com

Nagad3.0Bronze 15 ptsMobile money

A major Bangladeshi mobile financial service for receiving payments and cash-out.

Fees Cash-out ~1.15% via appnagad.com.bd

PalmPay3.3Bronze 30 ptsMobile money

A Nigerian mobile-money app for receiving payments, transfers, and bill pay.

Fees Free/low in-app transfers, agent cash-out ~0.5%palmpay.com

JazzCash3.2Bronze 30 ptsMobile money

Pakistan other giant mobile wallet - personal and business accounts, QR payments, and one of the largest agent networks in the country.

Fees Free wallet-to-wallet, ~1.75% agent cash-outjazzcash.com.pk

Airtel Money3.1Bronze 20 ptsMobile money

A wide-reach African mobile money service for receiving payments and cash-out.

Fees Varies by country, tiered cash-out feesairtel.africa

eSewa2.8Digital wallet

Nepal leading digital wallet where users receive payments and pay merchants.

Fees Most services free, bank withdrawal NPR 10esewa.com.np

Daviplata3.3Bronze 25 ptsDigital wallet

A Colombian mobile wallet for receiving money, transfers, and merchant payments.

Fees Free transfers, QR and bill paymentsdaviplata.com

Yape3.2Bronze 25 ptsDigital wallet

Peru leading mobile-payment app where people receive money and pay merchants by QR.

Fees Free P2P transfersyape.com.pe

Uala3.1Bronze 15 ptsPayments and wallet

Receive income, hold a balance, and spend - a common Argentine freelancer wallet.

Fees Free account, no maintenance feesuala.com.ar

Khalti2.6Digital wallet

A Nepali digital wallet and payment gateway for receiving money and paying bills.

Fees Mostly free wallet paymentskhalti.com

CIH Bank3.5Silver 35 ptsPayments and wallet

Receive client and card payments and manage a dirham account as a freelancer.

Fees Free Code30 account and cardcihbank.ma

Hubtel3.1Bronze 25 ptsPayments and wallet

Open an online store with mobile-money checkout to sell food, groceries, and goods.

Fees 1.95% on mobile-money collectionshubtel.com

Grey3.6Bronze 20 ptsPayment platform

Virtual USD, GBP, and EUR accounts for African freelancers - receive international payments and convert to local currency at competitive rates.

Fees No account fees, FX conversion margingrey.co

Tenpo3.2Bronze 20 ptsPayments and wallet

Free transfers and a card freelancers use to collect earnings (Chile).

Fees Free account and prepaid cardtenpo.cl

MB WAY3.2Bronze 20 ptsPayments and wallet

Receive instant peer-to-peer and customer payments via phone number.

Fees Free for consumersmbway.pt

CashPlus3.2Bronze 25 ptsPayments and wallet

Receive money and instantly withdraw PayPal balances to dirhams.

Fees Free account, zero maintenance feescashplus.ma

SadaPay3.3Bronze 20 ptsDigital wallet

A Papara-owned Pakistani wallet whose SadaBiz accounts let freelancers receive international payments at some of the best conversion rates in the country.

Fees Free basic account and transferssadapay.pk

NayaPay3.6Bronze 30 ptsDigital wallet

A Pakistani digital wallet popular with freelancers - receive international transfers through 70+ remittance partners and spend with a Visa debit card.

Fees Free bank/wallet transfersnayapay.com