Crypto to Payoneer
Move crypto payments into Payoneer.
To cash out crypto to Payoneer, pick Payoneer as your payout, type the email on your Payoneer account and the amount, then send your coins to the address on your order page. Your quote holds for 20 minutes. When the coins confirm, we pay your Payoneer email, usually the same day. The fee is 1.5%, and each order can be $100 to $5,000.
- Zilligo fee, 1.5%
- $7.50
- Network fee
- Paid by your wallet
- Usually arrives
- Same day
An estimate at today's price. Your order page fixes the exact amount for 20 minutes.
- Fee, inside your quote
- 1.5%
- To your Payoneer
- Same day
- Each order
- $100 to $5k
- You need
- Payoneer email
Who it is for
Crypto earnings, next to the rest of your income
Payoneer is where a lot of freelancers, agencies and online sellers collect money from clients and marketplaces. From there they pay suppliers, pay their own contractors or withdraw to a local bank. It all runs on regular currencies.
A crypto payment does not slot into that routine. Payoneer has started offering a stablecoin wallet to some business customers, but it only takes USDC and USDT, it sits apart from your normal balance, and it is not open in every market. Bitcoin, Ether or Solana have no way in at all.
Zilligo fills that gap. You start an order with your Payoneer email, send the coins you were paid, and we pay that email. Each order gets its own page, so every client payment leaves a clean record.
Payoneer and crypto
Doesn't Payoneer take stablecoins now?
Partly. Payoneer offers a stablecoin wallet, run by its partner Bridge, to eligible business customers. It covers less ground than the name suggests.
Payoneer's stablecoin wallet
- USDC and USDT only, no Bitcoin or other coins
- For eligible business accounts, rolled out market by market
- Held apart from your regular Payoneer balance
- Handy when clients pay in USDC or USDT and your market has it
Zilligo to Payoneer
- Seven coins, including Bitcoin, Ether and Monero
- Paid to the email on your Payoneer account
- The 1.5% fee and your payout shown before you send
- One order page per client payment, for your books
The steps
How to cash out crypto to Payoneer
Three steps between a crypto payment and your Payoneer account.
- 1
Start a Payoneer order
Enter the amount you want to receive and the email your Payoneer account uses. The quote shows the fee and the coins to send.
- 2
Send the coins
Forward the crypto to the one-time address on your order page, on the network it names. The quote holds for 20 minutes.
- 3
Payoneernow
Payment received: $1,200.00From ZilligoGet paid in Payoneer
Once the coins confirm, we pay your Payoneer email, and the payment shows up in your Payoneer account.
Before you start
Four things a Payoneer payout needs
A Payoneer account that can receive
Payoneer approves accounts before they can take payments.
The email on that account
Exactly as it is registered with Payoneer.
The coins you were paid
BTC, ETH, USDT, BNB, SOL, XRP or XMR, in any wallet.
A note of the invoice
So each payout matches a client in your records.
Back to work
Where the money goes from Payoneer
Withdraw to your local bank
Payoneer sends money on to bank accounts in many countries.
Spend with a Payoneer card
Where Payoneer offers one, the card draws on your balance.
Price and timing
1.5% per order, usually paid the same day
One fee on every order, added on top and shown before you send. The coin your client used sets how soon it confirms.
Example
Your coin's network cost is extra: a fraction of a cent on Solana or XRP, about $2 to $4 for USDT on Tron.
Our pick for Payoneer: USDT on Tron. A dollar invoice stays a dollar amount while it confirms, it takes a couple of minutes, and sending it usually costs about $2 to $4.
How long each coin takes to confirm. We pay your Payoneer email once it has.
Payoneer basics
Payoneer in five lines
What matters about Payoneer when the money starts out as crypto.
Payoneer charges its own fees for things like bank withdrawals, cards and currency conversion. Your Payoneer account shows the rates that apply to you.
- Made for
- Freelancers, agencies and online sellers
- Crypto
- A USDC and USDT wallet for eligible businesses
- Reach
- 190+ countries and territories
- What we need
- The email on your Payoneer account
- Per Zilligo order
- $100 to $5,000
Keep it tidy
Five habits for clean Payoneer payouts
- 1
Copy the email from Payoneer
Use the address on your Payoneer profile, not a team inbox or an old alias.
- 2
One order per client payment
One invoice, one order page, one payout. Your bookkeeping stays simple.
- 3
Send the coin and network on the order
USDT is accepted on Tron or Ethereum only. Another network can lose the payment.
- 4
File the order page with the invoice
It records the coins received, the rate and the payout.
- 5
Make sure your account is approved
A Payoneer account still under review may not accept payments yet.
Support
When a Payoneer payout needs a hand
I typed the wrong email
Message support with your order reference right away. If we have not paid out yet, we can change it.
Payoneer asked where the money came from
Payoneer can review incoming payments. Your order page shows the coins, the rate and the payout, which helps you answer.
My Payoneer account is not approved yet
Wait until Payoneer approves it, then start your order. Before that, a payment may not get through.
I sent a different amount than the order
Contact support with your order reference. We check exactly what arrived and explain your options.
Options
Three ways to get crypto into Payoneer
Pay out through us, use Payoneer's stablecoin wallet, or sell on an exchange and move the money yourself.
FAQ
Crypto to Payoneer, answered
Paid in crypto every month? Talk to us about a routine that fits, we usually reply within an hour.
How do I cash out crypto to Payoneer?
Pick Payoneer, enter the email on your Payoneer account and the amount, then send your coins to the address on your order page. Once they confirm, we pay your Payoneer email.
Can Payoneer receive crypto?
Only in a limited way. Payoneer offers a USDC and USDT wallet to eligible business customers in some markets, kept apart from the regular balance. For Bitcoin, other coins, or an account without that wallet, send the crypto to us and we pay your Payoneer email.
A client paid me in USDT. What now?
Start a Payoneer order for the amount you want to receive, then send the USDT to the order's address on Tron or Ethereum, whichever the order names. We pay your Payoneer once it confirms.
Can I send Bitcoin to Payoneer?
Not straight to Payoneer, which has no Bitcoin support. Send the Bitcoin to your order's address instead, and we pay your Payoneer email when it confirms, usually 10 to 30 minutes later.
How long does crypto to Payoneer take?
Usually the same day, once your coins confirm. Tron, Solana and XRP confirm in about a minute; Bitcoin usually takes 10 to 30 minutes.
What does it cost?
Our fee is 1.5%, added on top and shown in the quote before you send, plus your coin's normal network cost. Receiving $1,200 costs $18 in fees.
What are the limits?
From $100 to $5,000 per order. For a bigger payment, place more than one order, or use Wise or ACH, which take up to $15,000 per order at 1%.
Does Payoneer charge me to receive it?
Payoneer sets its own fees, for example for withdrawing to a bank or converting currency, and they depend on your account. Check your Payoneer account for your rates.
Does it work with a business account?
Yes. Any Payoneer account that Payoneer has approved to receive payments works.
Do I get a record of each payout?
Yes. Every order has its own page with the coins received, the rate and the payout, ready to keep with your invoice.
Do I need a Zilligo account?
Yes, a free one that takes about a minute. After that you only give your Payoneer email. There is no ID check to start a cashout.
Is a crypto to Payoneer payout taxable?
Turning crypto into money usually counts as selling it, which is taxable in most countries. This is general information, not tax advice: keep the order page with the invoice and check your local rules.
Ready when you are
Your next crypto invoice, paid into Payoneer
Add your Payoneer email, send the coins, and see the exact payout before you commit.
Orders from $50 on gift cards and top-ups, $100 on most payouts. Nothing moves until you send.
- 1Pick a payoutBank transfer, PayPal and other wallets, a card, a gift card or cash pickup.
- 2Send your coinsTo the one-time address on your order, before the 20 minute timer runs out.
- 3Get paidMost payouts arrive within minutes of your coins confirming.