Access to funds limited (risk model or Terms violation)
180 days · not stated in the TermsPayoneer may limit access to your funds for up to 180 days, or longer under a court order or other legal process. The Terms do not say from which date the 180 days count.
“We may close, suspend, or limit your access to your use of the Payoneer Services and/or limit access to your funds for up to 180 days (or longer if pursuant to a court order or other legal process) if you violate these Terms and Conditions or any other agreement you enter into with Payoneer, or pursuant to any proprietary fraud and risk modeling used by Payoneer when assessing the risk associated with your use of the Payoneer Services.” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Account review or verification (information not accepted)
No fixed term publishedPayoneer states no length for a review. It may close, suspend or limit access if it cannot obtain or verify the requested information.
“Payoneer reserves the right to close, suspend, or limit access to the Payoneer Services in the event we are unable to obtain or verify this information or if the information does not satisfy our requirements.” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Incoming payment has not arrived
5 business days · not stated in the Terms (assumption: the day the payer sent the payment)Most inbound payments arrive in 1 to 3 business days, up to 5 business days or longer. After 5 business days Payoneer starts an investigation if you ask.
“Most Inbound Payments are typically received within one (1) to three (3) Business Days but may take up to 5 Business Days or longer. If an Inbound Payment is not received within 5 Business Days, we will initiate an investigation on your behalf if you so request.” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Withdrawal to bank is late, declined or reversed
2 business days · date you ordered the withdrawalMost withdrawals reach a local bank account within two business days; a new bank account is typically reviewed and activated within three business days.
“Most withdrawals typically reach your local account within two business days” Source: www.payoneer.com/withdraw-funds/
- todayCheck the status in the account and the proof of payment for the transfer; compare the bank details with the bank's own records.Source: www.payoneer.com/withdraw-funds/
- this weekIf the withdrawal was declined or reversed (reasons named: incorrect bank details, mismatched account information, bank restrictions or compliance checks), correct the details and submit again.Source: www.payoneer.com/withdraw-funds/
- after the dateIf no cause is visible after the stated days, contact Customer Care with the transfer reference.Source: payoneer.custhelp.com/app/ask
Account closed or terminated with a balance
730 days · date of closure of the Payoneer accountAfter closure you may withdraw remaining funds by contacting Customer Care for two years from the date of closure.
“You may withdraw such remaining funds for a period of two (2) years from the date of closure of your Payoneer Account” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Funds limited on instruction of law enforcement or a regulator
No fixed term publishedNo period stated. Payoneer says it may limit access to funds on such instructions.
“We may also limit your access to funds per the instructions of law enforcement or regulators.” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Payer disputes a payment made to you
No fixed term publishedNo period stated. Payoneer encourages you to settle with the payer and says it does not provide dispute resolution for Billing Solutions payments.
“Should the payer dispute a payment made to you under this service, we encourage you to resolve such dispute directly with the payer. Payoneer does not provide dispute resolution for payments made in connection with Billing Solutions” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm
Account inactive or dormant
730 days · last use of the services (not defined in the Terms)Accounts inactive for two years or more may be considered dormant and are subject to escheat (transfer to a state).
“Payoneer Accounts that are inactive for two (2) years or more may be considered dormant and are subject to escheat.” Source: pubs.payoneer.com/legal/PayoneerTermsAndConditionsINC_Sep2026.htm