Payoneer

🫶 Across Europe and the Middle East, our teams spent Global Week of Good giving their time to the people around them. Teams handed out safety kits to delivery riders who depend on their motorbikes every day, donated sandwiches and salads to the Manna Society, spent time with young people, including people with special needs, joined food distribution efforts supporting people experiencing homelessness, and worked with FoodCloud. Proud of our teams for showing up for the people in their communities. Watch out for more throughout next week. #GWOG26

🙋 Incorporating a company is only the first step. Running it across borders brings a whole new set of challenges. At our EMERGE event in partnership with Corporate Service Provider Network (CSPN), it became clear that corporate service providers (CSPs) can do more than incorporate businesses. They can become business enablers, helping companies manage distributed teams, cross-border payments, compliance, and financial reconciliation from day one. That’s exactly what our whitepaper is built around. If you’re a Singapore-based company or a CSP navigating what comes after incorporation, this is for you. 🔗 Download now: paynr.co/4iAqBT2

#PayoneerVoices Our Head of WFM, Europe, Dee Coakley, on “how fintech companies should be structuring their workforce operations today to stay ahead of compliance risk as regulatory scrutiny around contractor classification and cross-border payroll intensifies.” The real fintech compliance risk in 2026 isn’t just KYC. It’s who is on your payroll – and who isn’t. For organisations operating in regulated spaces such as fintechs, ensuring that their workforce are compliantly employed and that payroll is processed in full compliance with local tax and statutory benefits obligations is key. What this looks like in practice is ensuring that your organisation has a structured approach to worker compliance. This includes performing regular audits of all of the organisation's independent contractors to gain an understanding of which contractors may have breached, or are close to breaching, thresholds for being recognised as defacto employees. This needs to be done on a country-by-country basis, in line with labour laws and tax obligations specific to each territory. In some sectors, worker classification is viewed as a HR or Finance risk. But in the financial services space, the risk can extend to an AML risk. If you're a growing fintech this is a risk that you cannot afford to take. For regulated roles such as individuals providing investment advice, alternatives to direct employment - may not be compliant. So it is important to look at categories of roles and to consider what's appropriate. Of course it is not just regulators of the financial services sector or local tax authorities that expect compliance. For fintechs selling to large enterprise clients, the company will often have contractual obligations to those clients to ensure that individuals working with the client or on client projects will be engaged in full compliance with all local employment and tax laws. And the reputational damage of breaching these laws can be significant. Where a fintech has non-compliant independent contractors, it's important to perform a risk assessment for these workers and to have a plan in place for how to address these compliance issues. In many cases this will involve converting those individuals to full employment - this may be directly or via an Employer Of Record. For organisations at scale, having data and approaches consolidated across business units and territories is necessary to ensure alignment and consistency. Working with partners - such as an EOR or local lawyers - that can support this and advise across all of your worker types is key. And it's important that everyone involved in Legal, Risk, Finance & HR, right up to Board level, is focussing on and asking the right questions about worker misclassification, cross‑border payroll failures, and over‑reliance on contractors in critical functions. If you haven’t mapped your global worker population by role category and risk level in the last 12 months, that’s the place to start.

ICYMI: two weeks ago we launched Stablecoin Steps UP, a key research on how enterprises operating across borders are turning stablecoin into core financial infrastructure to drive real utility for their customers. Read the report now: paynr.co/4kG6Lqz

✨ Our offices came together in unity to celebrate the festive season, from the festival of lights to spooky Halloween, sharing traditions, good food, and plenty of holiday spirit. #LifeAtPayoneer

Our customers are growing, and they’re doing more with Payoneer. Our Q3'26 results reflect that momentum:  👉 B2B volume up 59% YoY  👉 9 consecutive quarters of 20%+ ARPU ex. interest income growth  👉 13% total volume growth YoY  👉 New payment licenses in Canada and Israel  As businesses grow internationally, their financial needs become more complex. They're turning to Payoneer to move money across borders, manage multiple currencies and expand into new markets. And we're growing with them, investing in the capabilities and regulatory infrastructure to make global business easier. More customers. More ways to serve them. More opportunity ahead. 🔗 Read more in our earnings release: paynr.co/4Ah7y6b?

In a recent UpTech Media article alongside leaders from Mastercard and Revolut, Gaurav Gupta, our SVP of Platform and India Site Lead, explores the importance of building the right safeguards into AI-powered payment infrastructure. In his view, the right controls are essential to making innovation safe and sustainable. From clear accountability to stronger fraud prevention, responsible AI adoption requires trust, governance and security by design. 🔐 Read the full article: paynr.co/3UE65HQ

It is Global Week of Good (GWOG) at Payoneer next week, and our offices around the world are getting ready to show up for their communities. Five years in, GWOG is still about the same idea, teams coming together to support local causes, strengthen connections, and turn good intentions into real impact. As our Senior Case Specialist, Fritzy Cherubin, puts it: "There is nothing quite like teaming up with your coworkers to roll up your sleeves, laugh, and accomplish something tangible for a great cause." Over the coming weeks, we'll share everything our teams have been building. And our team in Vietnam is seen setting the spirit. :) Watch this space for more! #GWOG26

👋 Meet Monirus Salam, Head of IT and Director at Bizmappers Limited, an IT solutions company based in Bangladesh. Bizmappers works with clients in a lot of countries. That's great for growth, but every new market meant another layer of payment hassle on the back end. Payoneer took that off their plate. International transactions now just work, so the team spends its time on clients instead of on paperwork. Hear it from Monirus himself 👇 Running a Bangladesh business with clients abroad? See how Payoneer can help you go global: paynr.co/3UC4UIW

Cross-border payment fees, FX losses, and slow settlement are quietly eating into SMB margins across ASEAN. Most of it is recoverable once you can see it. Our whitepaper shows you how, download now: paynr.co/4iTrd61

Global customers represent a major growth opportunity, but receiving and managing earnings across borders can still be challenging. Our three-year renewal with Etsy extends our payout relationship across 16 existing markets. Learn more about this partnership: paynr.co/4iTaCiP

👋 Meet Christopher Schiller, our Bank Network Strategy & Solutions Manager from the New York office. He's reading something all the time and plays an hour long music to get work done. Get to know him. #RapidFireWithPayoneers #LifeAtPayoneer