What are Payoneer's fees in India?

Payoneer publishes 1% to 4% to withdraw your balance to an Indian bank. Receiving fees and an annual account fee can apply too, depending on your account.

Is Payoneer cheaper than PayPal?

Often, because PayPal's receiving fee is 4.4% plus $0.30 before conversion. Enter your amount in the calculator above to compare both on the same payment.

Why is Payoneer shown as a range?

Its published fee is a range that depends on the account and the route, so the calculator shows the lowest and highest outcome instead of guessing.

Free tool

Payoneer fees in India: calculator for freelancers

Payoneer's fees in India depend on how your client pays and how you withdraw: Payoneer publishes a range of 1% to 4% to move your balance to an Indian bank, and receiving fees and an annual account fee can apply before that. The calculator below shows the range in rupees for your amount, next to the other routes.

How much is the client paying?

USD

Where is the work coming from?

Adjust the exchange rate

Rupees per US dollar

Highest comparable estimate

₹94,710

through Infinity, from $1,000.00.

What may reach your bank

The reference rate is ₹95 per US dollar. Open Details for the calculation.

Infinity

₹94,710

Details

0.5% all-inclusive fee and no stated FX markup.

Custom pricing may apply above $50,000.

0.5% below the reference value.

Infinity pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Infinity fee (0.5%): −$5.00
Amount converted: $995.00
Reference USD to INR rateUsed as a benchmark, not an account quote.: ₹95.19 per $1
Estimated INR: ₹94,710

PayPal

₹88,240

Details

4.4% plus $0.30 to receive USD, then a 3% currency-conversion spread.

PayPal's base exchange rate can differ from the reference rate used here.

7.3% below the reference value.

PayPal India business fees · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Receiving fee (4.4% + $0.30): −$44.30
Amount before conversion: $955.70
Reference-rate value₹95.19 per $1: ₹90,969
Illustrative FX loss (3%)PayPal's actual base rate can differ.: −₹2,729
Estimated INR: ₹88,240

Payoneer

The route on this page

₹91,378 to ₹94,234

Details

Published India withdrawal pricing is 1% to 4%, depending on the account and route.

Receiving fees, an annual account fee and other charges can apply before withdrawal.

Payoneer India pricing · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Receiving feeDepends on how the client pays your Payoneer account.: Not included
Balance-to-bank cost (1% to 4%)Payoneer's published India range; your account shows the exact fee.: −$10.00 to −$40.00
Reference USD to INR rate: ₹95.19 per $1
Indicative INR before receiving fees: ₹91,378 to ₹94,234

Wise

₹94,427

Details

Wise's public conversion quote today (0.47%), the $2 eFIRC charge and 18% GST on the fees.

The conversion fee is Wise's public USD to INR quote for converting a balance, refreshed daily, not your account's own quote. Your Wise Business account shows the exact fee before you convert.

0.8% below the reference value.

Wise India receiving pricingWise India business help · checked 29 Sep 2026

Calculation and assumptions

Client payment: $1,000.00
Wise conversion fee (0.47%)Wise's public quote, seen 27 Oct 2026.: −$4.75
eFIRC transfer fee: −$2.00
GST (18% of those fees): −$1.21
Amount converted: $992.04
Reference USD to INR rateWise converts at the mid-market rate, which sits close to this reference.: ₹95.19 per $1
Estimated INR: ₹94,427

Ria Money Transfer

About ₹95,510

Details

Sample rate: ₹95.51 per $1, shown for a $500 US debit-card payment to an Indian bank. The $1.99 sender fee was extra.

This scales a $500 public sample, not your quote. A first-transfer promotion showed a different rate. Commercial-payment eligibility is unconfirmed: ask Ria and your bank whether your invoice can use this exact route and get the required remittance record. Not included in the top estimate.

Check invoice eligibility first

Ria US to India sampleRia India partner terms · checked 28 Sep 2026

Calculation and assumptions

Amount entered: $1,000.00
Sample conversion rateObserved on a $500 US-to-India transfer, not quoted for this amount.: ₹95.51 per $1
Sample sender feeNot deducted from the INR shown here.: $1.99 paid separately
Scaled INR illustrationFreelance-invoice eligibility is unconfirmed.: ₹95,510

Amounts marked “About” use assumptions, not live payout quotes. Open Details to see the calculation. Nothing you type leaves your browser.

About these estimates

Rate used: European Central Bank reference rates, observed 26 Oct 2026.

Wise fee: 0.47% for converting USD to INR, from Wise's public quote seen 27 Oct 2026.

Taxes, withholding, account-specific pricing, intermediary bank charges and eligibility can change the final amount. Fiverr's bank payout uses the $3 fee and 2% conversion fee in Payoneer's published schedule for Fiverr sellers, applied to the reference rate. Ria's invoice eligibility is not confirmed. Rupee line items are rounded separately, so they may differ from the final total by ₹1.

What Payoneer charges

Payoneer's India pricing page lists the cost of withdrawing your balance to a bank in India as 1% to 4%, depending on your account and the route. Before that, a receiving fee can apply, which depends on how the client pays into your Payoneer account, and the page also mentions an annual account fee in some cases. Your Payoneer account shows the exact fee before you confirm each withdrawal.

Because the fee depends on your account, the calculator shows Payoneer as a range rather than one number. The low end is what you would get with the smallest published fee, the high end with the largest.

Payoneer with Upwork and Fiverr

Many freelancers first meet Payoneer through a marketplace. Upwork can pay out to a Payoneer account, and Fiverr's bank payouts are processed by Payoneer, with a $3 transfer fee and a 2% conversion fee on each payout. Choose Upwork or Fiverr in the calculator to see those routes after the platform's own fee.

Questions people ask

What are Payoneer's fees in India?: Payoneer publishes 1% to 4% to withdraw your balance to an Indian bank. Receiving fees and an annual account fee can apply too, depending on your account.
Is Payoneer cheaper than PayPal?: Often, because PayPal's receiving fee is 4.4% plus $0.30 before conversion. Enter your amount in the calculator above to compare both on the same payment.
How do Fiverr payouts through Payoneer work?: Fiverr's bank payouts are processed by Payoneer, with a $3 transfer fee and a 2% conversion fee on each payout, after Fiverr's own 20%.
Why is Payoneer shown as a range?: Its published fee is a range that depends on the account and the route, so the calculator shows the lowest and highest outcome instead of guessing.

Sources: Payoneer India, pricing (checked 29 Sep 2026).

Last checked on 4 October 2026.