Payoneer Capital Advance Offer Review – All You Need To Know

Vova Even Aug 26, 2022
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Payoneer Capital Advance Service Explained

Disclosure: Some of the links in this article may be affiliate links, which can provide compensation to me at no cost to you if you decide to purchase. This site is not intended to provide financial advice and is for entertainment only. 

What is Payoneer Capital Advance Offer? Is There Any Benefit?

Hi! Thank you for visiting my blog. My name is Vova Even, and I have been an active Amazon seller since 2016. I also share tutorials, hacks, and trade secrets on YouTube and Udemy. My goal is to help new and advanced Amazon FBA sellers save more money while growing consistently.


Recently, I was invited to the Payoneer headquarters in Petah Tikva, Israel, to discuss their Capital Advance Offer in detail. My hosts for the day were Matan Samovsky and Valeria Aharon. Both of them belong to the Business Development department of Payoneer.

It was a very fruitful conversation in which we discussed not only the Payoneer Capital Advance Offer but also how Payoneer works in general and how Payoneer's capital helped me when my bank declined to issue a loan for my eCommerce business.


I filmed and posted the video to my YouTube channel, but below is an embed so you can watch it here as well. And if you are an avid reader, hold on because I have laid out everything we discussed in this article for you. :)



What You Will Learn In This Article:

  1. What is Payoneer

  2. What is Payoneer's Capital Advance Offer

    1. How it works

    2. What it costs

    3. Who is it for

    4. Who is it not for

    5. Why is it beneficial

  3. How to Get Payoneer Capital Advance


Key Resources & Offers I Share In This Article

  1. Create your free Payoneer account and enjoy these benefits:

    1. A 1.8% withdrawal from the bank (The regular fee is 2%)

    2. ZERO fees for receiving USD into your Payoneer account (The regular sign-up fee is 1%)

    3. Get a gift of $25 when your account balance reaches $1,000

  2. Get up to $750,000 in working capital from Payoneer


What is Payoneer

Payoneer is a FinTech company – a payment supplier – founded in 2005. Today, it supports over 200 countries and over four million customers around the world in different countries. Last year, Payoneer was also listed as a NASDAQ company under the symbol PAYO.


My Related Blog Post: What Is Payoneer And How It Works - In-Depth Review


Payoneer serves customers across diverse verticals. But for the eCommerce industry specifically, the company strives to develop an end-to-end platform where sellers can find solutions to all their financial issues.


You can transfer and withdraw funds. You can obtain loans for your businesses. You can receive payments to local bank accounts in several countries. You can hold your balance in different currencies. You can pay your suppliers at low/no fees. It's essentially a centralized hub that can be accessed from anywhere for any of your monetary needs.


-: Special Offers for Payoneer :-

If you want to get capital advance for your eCommerce business, I have an exclusive deal for you from Payoneer. Avail it off to apply for an instant working capital of up to $750,000.


It's interest-free. There are no credit checks. Payoneer will only collect a fixed, transparent fee with your final settlement. Click here to apply now.


Payoneer Capital Advance for Amazon & Walmart Sellers (Explained With Example)

The Capital Advance service, in a nutshell, is a means to obtain business capital via Payoneer. As an Amazon seller, I also have had the opportunity to leverage this offer.


Payoneer gives instant working capital for sellers using the Amazon and Walmart marketplaces. All you need to do is link your Amazon volume and AWS (Amazon Web Services) account with your Payoneer account. This will enable the company to check your store for sales.


Payoneer's primary intent here is to know that the volume of your store hasn't diminished and that it's still operational. If there's no such issue and you are getting consistent payments, you can get advances up to three and six months in length.


What happens is that when you initially begin to receive payments via Payoneer, it will send you funds on an automated basis. For example, assume that you get a $10,000 from Amazon in two separate payments. The initial money received from Payoneer is $5,000.


As the payment gateway between you and Amazon, Payoneer will be aware of your earning potential. So, you will quickly start getting offers from the company. With the second payment, it will provide you with a month's worth of an offer for half the volume. Thus, you'll be able to get $5,000 for the first time.


While explaining this, Valeria emphasized that "We do it as a security measure because of the COVID-19 pandemic. We need to ensure that you – the seller – are active and can pay us back. Once this is fulfilled, you would be able to get the three- or six-month offer hassle freely."


Is the Capital Advance Offer Worth the Try

As an integral part of Payoneer's Business Development department, Valeria explained that acquiring bank loans for eCommerce sellers isn't always an easy thing to do.


"Banks don't always understand your eCommerce business," she said. "Even if they do, they often lend you funds from your personal bank, which is rather problematic from a company perspective," she added.


Since Payoneer's Capital Advance service is not connected to your bank, it only collects funds from your Amazon volume. (Payoneer has no access to any other incoming payments, such as those from B2B or other entities.) This is a security measure because if your Amazon volume decreases marginally, Payoneer will be able to collect a percentage of your capital until it's repaid.


Payoneer's Fee Percentage for Three- and Six-Month Capital Advances

In the three-month Capital Advance offer, Payoneer deducts 35% of the volume per installment you receive. You can utilize the remaining funds for any legitimate business purpose. Spend it on the Payoneer MasterCard, use it to pay vendors, or ramp up your PPC (Pay-Per-Click) efforts—as you prefer.


Contrarily, if you choose the six-month service, Payoneer will withdraw only 25% of each incoming payment. The remainder is – again – yours to utilize as you see fit.


Like I said before, Payoneer collects this fee until the loan is paid in full. But if your income is strong, you may speed things up by paying it off faster.


What are Some Benefits of Using the Payoneer Capital Advance

Payoneer Capital Advance Offer is a great way to invest in your eCommerce business. Here are the top three reasons and benefits why it's worth giving a go:


  1. With the three months offer, Payoneer offers you 100% of your Amazon volume in the last three months. For example, if it's $10,000, you will get the same amount ($10,000). In the six months offer, however, you will receive 140% of your average volume.


  1. In addition to US dollars, Payoneer Capital Advance is also available in GBP, Euro, and Canadian dollars.


  1. The Advance is not linked to your credit line or any other financial entity in any way. It does not gather any documents either. The only things that count to the company are that you are active on Amazon, that you receive positive feedback from customers, and that your profits increase.


-: Special Offers for Payoneer :-

If you want to get capital advance for your eCommerce business, I have an exclusive deal for you from Payoneer. Avail it off to apply for an instant working capital of up to $750,000.


It's interest-free. There are no credit checks. Payoneer will only collect a fixed, transparent fee with your final settlement. Click here to apply now.


How Payoneer Capital Advance Helped Me With My eCommerce Business

As a small business seller, I can relate to Valeria's remark that obtaining a bank loan is not easier for us. In my case, I was selling items in the Barbeque niche, and because sales were growing fast, I required more capital to purchase more inventory. Otherwise, I would have run out of stock, and all the efforts my partner and I had put into ranking our items will be lost.


Contrary to our expectations, when I wanted to get a loan from my bank in Israel, they categorically declined. I'd applied for an unusual figure, $300,000, which is about my annual revenue, but they couldn't even agree on a lower sum.


We were quite upset and it was at this juncture when Payoneer proved to be a lifesaver. Although I have been a Payoneer user since 2016, I saw this offer around 2020 and instantly applied for the loan.


Not to mention, it only took a few clicks for the loan to be sent to my account. Lightning-fast service, I'd say!


Since then, we often take loans as it's beneficial for the growth of our business. I believe that when one has access to a legit funding resource like Payoneer, why not obtain a loan from them and put the borrowed cash to good business use? 


Yes, it makes no sense if you don't think strategically about it or if you're going to spend money recklessly. But, if you are already receiving offers from Payoneer, this suggests that they have reviewed your earnings history (because you receive your income through Payoneer). You may put it to use then.


The Bottom Line

Applying for a loan with Payoneer is easy. Since your Amazon account is already connected to your Payoneer account, the company already knows what it needs to know.


Besides this, what's worth mentioning is the fact that there's no hidden fee involved in this process. Payoneer Capital Advance service is interest-free. You know in advance what percentage will be charged in which circumstance. Thus, you can plan and take steps to prevent any accident.


If you are eligible to apply for the loan but have queries such as, what percentage would you receive after putting, say, $10,000 in the business? How much better will your store seem if you want to resell it or if you just want to expand it and present it as a better option for Amazon? Then Valeria explained that fee of the three-month offer is between 3.5 to 5 percent. This is good to get an idea but if there are any questions or concerns regarding any offer, feel free to contact Payoneer.

You can click here to access their exclusive Capital Advance Offer page. Scroll down until you find the form titled "Apply By Telling Us About Your Business." Fill it out, and their team will get back to you ASAP.

If you haven't been using Payoneer yet, click here to create your free Payoneer account and enjoy these benefits:

  1. A 1.8% withdrawal from the bank (The regular fee is 2%)

  2. ZERO fees for receiving USD into your Payoneer account (The regular sign-up fee is 1%)

  3. Get a gift of $25 when your account balance reaches $1,000

You may also reach out to me over my YouTube channel. There are over 400 videos dedicated to assisting you on your Amazon FBA journey. Leave a comment on the video this article is based on, and I'll answer your queries at my earliest.


Until the next time,


Yours,

Vova :)

Disclosure:  Some of the links in this article may be affiliate links, which can provide compensation to me at no cost to you if you decide to purchase. This site is not intended to provide financial advice and is for entertainment only.