Payoneer vs xpate: what each publishes
As of October 17, 2026, Payoneer takes these industries by its own published rules: AI and SaaS; Marketplace; Crypto, with conditions; iGaming, with conditions; Adult, with conditions; Forex and CFD, with conditions. xpate: iGaming, with conditions; AI and SaaS, with conditions; Forex and CFD, with conditions; Marketplace, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Payoneer
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
xpate
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- United States
- Developed Asia-Pacific
- CIS / Central Asia / Caucasus
- Latin America
- Middle East & North Africa
- Africa
- Jersey, Guernsey, Isle of Man, Gibraltar
- Other offshore centres
- Other
The regions its own documents name, read on October 16, 2026
Policy by industry
| Industry | Payoneer | xpate |
|---|---|---|
| AI and SaaS | Yes | With conditions |
| Marketplace | Yes | With conditions |
| Crypto | With conditions | Depends on the activity |
| iGaming | With conditions | With conditions |
| Adult | With conditions | No published rule |
| Forex and CFD | With conditions | With conditions |
| Unlicensed financial services | No | Rule for some countries only |
Where owners must live
Payoneer
No published rule
xpate
Where it is a registered entity (in any form, e.g. Limited Company), the Customer will have and maintain at least 1 (one) director domiciled in the country of the Customer's incorporation and registered address
Rules about countries
Payoneer
No published rule
xpate
No published rule
Fees
Payoneer
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Payoneer account | Not stated; a registration fee may apply in some countries ('In certain countries, a registration fee may apply') | USD 29.95 annual account fee, charged only if the account receives less than USD 6,000 or equivalent in any 12 consecutive months; typically no monthly subscription ('typically does not require a monthly subscription fee'); some account types in some regions must take a paid Annual Plan, priced only at registration ('Certain account types in specific regions require an Annual Plan') | · Source |
xpate
No fee we could verify
Closing an account
Payoneer
We may terminate or suspend your engagement with us under these Terms and Conditions and your use of the Payoneer Services hereunder at any time on immediate notice or in the case of a Micro Enterprise, by giving not less than two months' notice.
xpate
12.7. XPATE may end this Agreement and close the Customer’s XPATE Account. XPATE may end this Agreement and terminate the Customer’s XPATE Account or any Services by giving two months prior notice, where required.
Licence
| Licensee | Payoneer | xpate |
|---|---|---|
| Licensee | Payoneer Europe Ltd · EMI (Central Bank of Ireland, C189473) · Payoneer Payment Services (UK) Ltd · EMI authorised by the FCA (FRN 966835) | xpate Ltd · electronic money institution authorised by the FCA (FRN 901021) · xpate SIA · electronic money institution licensed by Latvijas Banka (licence No. 27-55/2023/7) |
| Regulator | CBI / FCA · | FCA / Latvijas Banka · |