Compared
Rampy vs Payoneer
Both give you receiving details that a client abroad can pay by bank transfer. Payoneer keeps the money as a balance in its system and pays it out to your local bank. Rampy turns each payment into stablecoins in a wallet you control, and sells them to a bank account when you want cash.
We make Rampy, so read this knowing that. Rampy's figures are read from the code that charges them. Payoneer's are what its public pages said on 2 November 2026; they change, so check them before deciding, and tell us at support@rampy.money if one is wrong.
In one line each
For people who want to hold dollars or euros on-chain, in their own wallet, and move them to a bank on their own terms.
For people who want a balance inside a payments company, with marketplace payouts and a card, and are fine with its conversion rates.
Side by side
What arrives
RampyStablecoins (USDC, EURC) in your own wallet, converted on arrival.
PayoneerA balance in your Payoneer account, in the currency received.
Receiving a bank transfer
Rampy1.99% of each payment, no flat fee, no monthly charge. Bank details in your own name in USD and EUR.
PayoneerFree in the matching currency; 1% (minimum $1) when the currency does not match the receiving account. Card payments up to 3.99% + $0.49.
Getting cash to your bank
Rampy1.99% + 1.99 below 500, then 0.99% + 1.99 from 500, in the stablecoin you send. Pays out to USD, EUR and GBP bank accounts; BRL, MXN and COP coming soon. A US wire carries our partner's $10 on top.
Payoneer$1.50 to a US bank in USD; a conversion fee of up to 3% above the mid-market rate when paid out in another currency.
Account charges
RampyNone. No annual, monthly or inactivity fee.
PayoneerAn annual fee of $29.95 if less than $6,000 is received in any 12-month period; card fees separate.
Stablecoins and networks
RampyUSDC, USDT, EURC, PYUSD across 9 networks, delivered to a wallet only you control.
PayoneerNot offered.
Who holds the money
RampyNon-custodial. Money goes from the payer, through our regulated partner, to a wallet you hold the keys to. There is no Rampy balance.
PayoneerPayoneer, as a balance, until you withdraw it.
Verification
RampyIdentity verification with our regulated partner before the first order, usually a few minutes. Business accounts verify the company and its owners.
PayoneerIdentity and, for businesses, company verification with Payoneer.
Where Payoneer is the better choice
You are paid through a marketplace
Upwork, Fiverr, Amazon and dozens of others pay straight into Payoneer. Rampy has no marketplace integrations: a client pays your bank details like any supplier.
You want a card and many currencies
Payoneer holds balances in several currencies and issues a card to spend them. Rampy holds nothing and issues no card.
You want cash in a local currency Rampy does not pay out
Rampy pays out in USD, EUR and GBP today, with BRL, MXN and COP coming soon. Payoneer pays out to local banks in far more countries.
Where Rampy is the better choice
You want to keep dollars on-chain
A payment that converts on arrival into USDC in your wallet is Rampy's whole product. Nothing sits as a balance with a company that can freeze it.
You convert later, at a known price
Selling stablecoins to your bank costs 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500, shown before you confirm. There is no conversion markup hidden in the rate.
You never want an account fee
No annual fee, no inactivity fee, no charge for opening or holding bank details.
Plenty of people run both: Payoneer for marketplace income, Rampy for direct clients who pay by bank transfer and for anything they want to keep as stablecoins. A Payoneer balance can also be withdrawn to your bank and sent on to Rampy, but that is two sets of fees.
Common questions
Is Rampy custodial?
No. Stablecoins are sent to a wallet address you control, and money is paid out to the bank account you choose — yours, or somebody you are paying. Rampy is designed so that customer assets are not held by Rampy.
What fees does Rampy charge?
A buy or a sell is 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 of the amount you send — pounds on a buy, the stablecoin on a sell. A swap is 0.5% of the amount, with no flat fee. A deposit account or an auto-convert address is 1.99% with no flat fee, which is cheaper than an order below about 500 and dearer above it. The pricing page shows the figures by amount.
Which countries are supported?
Availability varies by country, by product and by payment method, and is decided by our payments partner during verification rather than by us. The rails we run and the countries each one banks in are listed on the availability page. If a rail is not available to you, the app will not offer it.
Can a Payoneer balance be moved to Rampy?
Only by way of a bank: withdraw it to a bank account in your name, then pay that bank account into your Rampy bank details or place a buy where buying is open. Payoneer does not send to crypto wallets.
Does Rampy work with Upwork or Fiverr?
Not as an integration. If a marketplace lets you add your own USD or EUR bank details for payouts, Rampy's details work there; if it only pays to its own partners, it does not.
Try it with a small payment
Verification takes a few minutes and opens your bank details. Pay yourself a small amount from your own bank and watch it arrive as stablecoins. Nothing to subscribe to.
Payoneer's figures: Payoneer pricing, read 2 November 2026.