How to Acquire a Payoneer Account in Ghana

Payoneer is a financial services company that provides online money transfer and digital payment services. A Payoneer account allows you to receive payments from international companies, freelance marketplaces, and individuals. If you live in Ghana and want to get paid globally, you need a Payoneer account. This article will guide you through the process of acquiring a Payoneer account in Ghana.

What is Payoneer?

Payoneer is an online payment platform that lets you transfer and receive funds internationally. With a Payoneer account, you can get payments from international employers and clients directly into your local bank account or Payoneer card. Payoneer supports cross-border payments in over 150 currencies and to over 200 countries and territories globally.

Why do you need a Payoneer account in Ghana?

  • Get paid by international clients and employers directly into your bank account without wire transfer fees.
  • Receive payments in foreign currencies like US Dollars, Euros, and British Pounds and convert to your local currency.
  • Withdraw funds from Payoneer to your local bank account. Most banks in Ghana accept Payoneer transfers.
  • Get a free US Dollar debit Mastercard® to use online, in stores, and ATMs globally.
  • Enjoy lower fees, better rates, faster transfers compared to traditional wire transfers or services like Western Union.

How to acquire a Payoneer account in Ghana

1. Create a Payoneer account

  • Go to the Payoneer website and click on “Create Account”.
  • Enter your email address and password.
  • Select your country of residence – Ghana.
  • Read and agree to the terms and conditions.
  • Click on “Create Account”.

You will receive a verification email from Payoneer. Click on the link to verify your email address.

2. Verify your identity

Payoneer will need to verify your identity before activating your account.

  • Payoneer will send you an email with a verification code.
  • Enter the verification code in the provided field.
  • Upload a copy of your national ID card or passport.
  • Click on “Verify”.

The verification process may take a few hours to complete.

3. Link your bank account

To receive payments, you need to link your Ghanaian bank account to your Payoneer account.

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  • Go to the “Bank Accounts” tab in your Payoneer account.
  • Enter your bank account details – account number, routing number, SWIFT code etc.
  • Upload a copy of your bank statement or voided check.
  • Click on “Link Account”.

Payoneer will send two small deposits to your bank account to verify it.

4. Receive your Payoneer card

One of the best features of Payoneer is the free US Dollar debit Mastercard®.

  • Payoneer will mail your card to the address you provided during signup.
  • Once you receive your card, activate it by following the instructions.
  • You can use the card to withdraw cash from ATMs, make online payments or in stores globally.

Be sure to notify Payoneer when you receive the card to avoid account suspension.

Benefits of having a Payoneer account in Ghana

  • Receive payments from Upwork, Fiverr, Amazon, Airbnb, Google AdSense etc directly into your bank account
  • Avoid high wire transfer fees and service charges by banks
  • Withdraw funds locally or internationally via bank transfer or Payoneer debit card
  • Payoneer card gives you access to US Dollars, so no need to exchange currencies
  • Low-cost transfers compared to traditional wire transfers or Western Union
  • Excellent customer support via email, live chat

FAQs about Payoneer in Ghana

How long does it take to create a Payoneer account in Ghana?

You can create your Payoneer account instantly. Identity verification may take a few hours or days.

What are the fees for receiving payments into Payoneer?

Payoneer’s fees for receiving payments are very low, usually around 1% with a $3 cap per transaction.

Can I use Payoneer to receive payments from any country?

Yes, Payoneer lets you get paid by clients, employers and marketplaces from countries globally.

Is Payoneer safe to use in Ghana?

Payoneer takes security very seriously and uses encryption and other measures to keep your account safe. Many freelancers in Ghana use Payoneer without issues.


A Payoneer account is one of the easiest ways for freelancers, remote workers, online sellers and entrepreneurs in Ghana to get paid globally. With its low fees, competitive exchange rates and fast transfers, Payoneer makes international payments hassle-free.

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