PRIVACY POLICY

Updated January 2026

General

In this privacy policy (this “Policy”), we describe the personal information that we collect and process about you (provided to us by you or by third parties), the purposes for which we collect and process personal information about you, and the basis on which we collect and process personal information about you, when you use our websites, in connection with the use of our services and/or when we facilitate the processing of your payments on other platforms or websites operated by our clients, when you register for or participate in our webinars or events, if you subscribe to receive news, marketing information or other communications from us, or if you are a prospective customer or user, or if you apply for a job with us.

We recommend that you read this policy carefully in order to understand what Payoneer Inc. and its subsidiaries, including Payoneer Europe Limited, Payoneer Payment Services (UK) Limited, Payoneer Hong Kong Limited and Payoneer Australia Pty Ltd. (“we”, “us”, “Payoneer”) do with your personal information. Your use of our websites and services and any dispute over privacy, is subject to this Policy and any of our applicable Terms and Conditions for use of our services.

If you provide us with personal information of any third parties, it is your responsibility to inform those people of, and obtain their consent to, your sharing of their information, and to direct them to read this Policy to understand how Payoneer processes their personal information.

Important Notes:

ADDITIONAL TERMS FOR CUSTOMERS OF PAYONEER EUROPE LIMITED (WHICH INCLUDE EUROPEAN ECONOMIC AREA (“EEA”) AND UNITED KINGDOM (“UK”) RESIDENTS): Please note that the whole of this Policy applies to you, together with additional provisions which are specific to customers of Payoneer Europe Limited and can be found at Appendix 1.
ADDITIONAL TERMS FOR AUSTRALIAN RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Australian customers, and can be found at Appendix 2.
ADDITIONAL TERMS FOR CALIFORNIA RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to residents of California, and can be found at Appendix 3.
ADDITIONAL TERMS FOR BRAZILIAN RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Brazilian customers and can be found at Appendix 4.
ADDITIONAL TERMS FOR CHINESE RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Chinese customers (Mainland China) and can be found at Appendix 5.
ADDITIONAL TERMS FOR HONG KONG RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to customers from the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”) and can be found at Appendix 6.
ADDITIONAL TERMS FOR JAPANESE RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Japanese customers of Payoneer Inc. and can be found at Appendix 7. Kindly note however that this Privacy Policy does not apply to our customers in Japan who have subscribed to a Payoneer Card. If you are a holder of a Payoneer Card in Japan please review your applicable Policy here.
ADDITIONAL TERMS FOR SOUTH AFRICAN RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to South African customers and can be found at Appendix 8.
ADDITIONAL TERMS FOR SINGAPORE RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Singapore customers and can be found at Appendix 9.
ADDITIONAL TERMS FOR REPUBLIC OF KOREA RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Republic of Korea residents and can be found at Appendix 10.
ADDITIONAL TERMS FOR UK RESIDENTS ONLY: Please note that the whole of this Policy applies to you, together with additional provisions which are specific to residents of the United Kingdom and can be found at Appendix 11.
ADDITIONAL TERMS FOR INDIAN RESIDENTS ONLY: Please note that the whole of this Policy applies to you, together with additional provisions which are specific to Indian residents and can be found at Appendix 12.
ADDITIONAL TERMS FOR CANADIAN RESIDENTS ONLY: Please note that the whole of this Policy applies to you together with additional provisions which are specific to Canadian residents and can be found at Appendix 13.

You can find a copy of this Privacy Policy in PDF format here.

How, when, and what we collect?

How does Payoneer collect my personal information?

We collect personal information directly from you. We also collect personal information about you from third parties such as public sources, our marketing affiliates, service providers used to verify your identity and prevent fraudulent activity, partners (including partners we work with who provide lending services, investment platforms and stablecoin infrastructure) so that you can use their services, other Payoneer users and other Payoneer clients or customers, for the purpose of providing our services to you or to facilitate the processing of your payments on other platforms or websites operated by our users, or as part of a customer referral program, and automatically as you use our websites and/or our services.

When does Payoneer collect my personal information?

When you apply for and use any of our services or platforms (or those of partners we work with), when you register for an account with us, when we facilitate the processing of your payments on other platforms or websites operated by our users, when you contact us with questions, and when you otherwise choose to provide personal information to us.
We receive personal information about you from banking references, credit reporting agencies, affiliates, other Payoneer users, and other third parties (e.g., entities that assist us in validating your identity, for risk assessment purposes, for fraud prevention, for marketing purposes etc.). We combine this information with other information that we collect about you.
We, and our third party service providers, automatically collect the following information about your use of our websites and/or our services through cookies, web beacons, log files and other technologies (subject to your consent where required by applicable law): your domain name, your browser type and operating system, web pages you view, links you click, your IP address, the length of time you visit our websites and/or use our services, your activities on our Website, and the referring URL or the webpage that led you to our websites.
If you are a registered user using our mobile application, we also collect the following information about you: mobile device ID; device name and model; operating system type, name, and version; your activities within the mobile application, the length of time that you are logged into our mobile application, and, with your permission, your geo-location information. Please see our Cookies Policy for more information.
When you register an account with the Payoneer Affiliates performance marketing partner network.
When you provide services to Payoneer as a representative of a third party that Payoneer has engaged.
When you apply for a job with Payoneer, we may collect personal information from you or from a third party such as a recruiter or verification services provider.
When you sign up to Payoneer and as a client or when you go through the onboarding process on behalf of your organization, there may be some limited personal information collected about you in order to facilitate and manage our commercial relationship with your organization.
When you provide feedback about our services either directly to us or via a third party.
When you mention us on social media or interact with our advertisements on social media sites and platforms.
When you opt in to receiving marketing messages from us, updates via email or social media channels and when you participate in promoted events.

What personal information does Payoneer collect?

The types of personal information we collect about you depends on your particular interaction with our websites and/or our services including when we facilitate the processing of your payments on other platforms or websites operated by our users, and includes, where permitted by applicable law and as relevant for your use of the services:

Categories of Personal Information Collected	Specific Personal Information	Source of Personal Information
Identifiers	Name, email address, phone number, billing or mailing address, date of birth, national identification numbers, documents that may include your photograph, and social media profiles.	Directly from you, third parties on your behalf and as instructed by you, other Payoneer users and customers, our service providers and affiliates.
Financial and Transactional Information	Bank and credit account information, credit history as applicable, details of any transactions carried out using any of our services including amount and currency and including products purchased.	Directly from you, third parties on your behalf and as instructed by you, other Payoneer users and customers, partners we work with, and our service providers and affiliates.
Internet or Other Simliar Network Activity; Device Information	Your interaction with our websites, internet protocol (IP) address, browser type and version, cellular network, operating system. Other information collected through Cookies and other tracking technologies as listed above and as described in our Cookies Policy	From you directly and our third party analytic tools and cookies usage (See our Cookies Policy for more information).
Commercial Information	Information about your business	Directly from you, third parties on your behalf and as instructed by you, other Payoneer users and customers, our service providers and affiliates.
Geolocation Data	Geolocation	Directly from you and/or through your use of the mobile application and/or our third party analytic tools and cookies usage (See our Cookies Policy for more information).
Professional or Employment Information (for Job Candidates)	Name and contact information, professional credentials and skills, educational and work history, salary, evaluations, references, interviews, certifications, disciplinary matters and other information of the type included on a resume, curriculum vitae or cover letter.	Directly from you or when another party, such as a recruiter or external website, provides it to us.
Other categories	Any other information we receive, or which may be generated (e.g., when you send us an email/otherwise contact us or when you choose to participate in surveys where you provide feedback on our services). Calls/emails/meetings and conversations/voicemail/recordings and transcriptions and any other correspondence.	Directly from you, third parties on your behalf and as instructed by you.
Special categories of Personal Information	Biometric Data in the form of ‘selfies’ (self-photographs) processed for the purposes of identity verification when you become a customer.	Directly from you, third parties on your behalf and as instructed by you, or from our service providers.

You are responsible for providing accurate and up-to-date information. If you choose to participate in our Refer a Friend program, you acknowledge that you have the right and are duly authorized to provide us with your friend’s personal information.

In most cases, providing your personal information to us is optional, however, if you do not provide certain information to us, you may not be able to use our services. For example, we need details such as your name, address and bank account details so that you can use our payment services.

How and why we use your information?

To validate your identity (including via SMS or Voice Call, as applicable) and verify your access and control over bank accounts you associate with our services.
To register you and provide our various services to you, including offering you services provided by partners we work with, to facilitate the processing of your payments on other platforms or websites operated by our users, to communicate with you in connection with our various services and KYC verification processes (including via SMS, messaging applications, or, for users of our Mobile Application, via “push” notifications) or any changes in our Terms and Conditions or this Policy that apply to you.
For the purpose for which you specifically provide the personal information to us, including, to respond to your inquiries, to provide any information that you request, and to provide customer support (including via SMS, messaging applications, as applicable).
To tailor the content and information that we send or display to you, to offer location customization (where permitted by applicable law), personalized help and instructions, and to otherwise personalize your experiences while using our websites and/or our services, such as developing and offering you with new and/or additional services to the services we are providing you or new and/or additional features to existing services, based, where appropriate, on your eligibility for such new and/or additional services or features, as would be evaluated by us from time to time.
For marketing and promotional purposes. For example, we use your email address, phone number (including via SMS, messaging applications, as applicable), and/or mailing address to send you newsletters, special offers and promotions, in connection with your registration to webinars and other events, or to otherwise contact you about services or information we believe will interest you (unless you are opted-out from our marketing communications or you have not opted-in to receiving such communications, as applicable), or to conduct draws for campaigns and the like and deliver prizes and rewards to you.
As permitted by applicable law, to assist us in advertising our products and services in various mediums including, without limitation, sending you promotional emails, advertising our services on third party sites and social media platforms, sending you direct mail, and by telemarketing (unless you are opted-out from our marketing communications or you have not opted-in to receiving such communications, as applicable).
To better understand how users access and use our websites and/or our services, both on an aggregated and individualized basis, to administer, monitor and improve our websites and/or services, for our internal purposes (including service improvement and support/feedback data accessed by our vendors), and for other research and analytical purposes (including in the form of our online surveys). Please see our Cookies Policy for more information. This includes reviewing any feedback provided either directly from you or from third parties.
To protect us, our customers, employees, partners or property — for instance, to investigate fraud and prevent fraudulent activity, abuse of the services, harassment or other types of unlawful activities involving us or other companies that we do business with, to enforce this Policy, as well as our Terms and Conditions.
We process personal information, such as information submitted to us in a job application, to facilitate our recruitment activities and process employment applications, such as evaluating a job candidate for a position with us and communicating with you regarding your application and future opportunities.
To facilitate and manage a commercial relationship with the organization which you represent, for example, as part of our vendor onboarding process if you represent one of our service providers; or as part of the sign-up process to use our services if you represent one of our clients.

We may combine voluntarily provided and automatically collected personal information with general information or research data we receive from other trusted sources. For example, our marketing and market research activities may uncover data and insights which we may combine with information about how visitors use our site to improve our site and your experience on it.

We disclose your personal information to third parties, including service providers, regulated institutions (e.g., financial institutions), affiliated entities, and business partners as set out in the table below. In the table below, we also list the reasons why we disclose information.

How and Why We Disclose Your Information	Does Payoneer Disclose?
With our service providers and other Payoneer group affiliates – for our business purposes, such as to assist us with the provision of our services and to verify your identity, prevent, detect and protect against fraudulent activity or abuse of our services, conduct internal research, audits and analytical assessments, process your transactions, maintain your account(s) and provide you with customer service. These include internet service providers, software service providers, technology providers (including AI solutions or Machine Learning applications), data and cyber security services, banks, financial institutions, payment processors, financial services providers, remote access services; service providers that help us verify your identity and help us comply with our legal and regulatory obligations, including open-banking service providers; service providers we use to provide customer support (including chatbots); and our business, legal, tax, financial and other advisors, on a confidential basis. Such service providers differ based on the services provided to you and your jurisdiction.	Yes
With fraud prevention and detection service providers – which provide fraud prevention, detection, protection services, or other similar services, on our, or our service provider’s, behalf. Such service providers keep records of information provided and use it when providing fraud detection and prevention services to other users of their databases.	Yes
With banks and other financial institutions which we rely on to provide aspects of our products and services, for example, to issue receiving accounts – for them to be able to comply with their own regulatory reporting obligations. This includes, without limitation, information about your and your ultimate beneficial owners’ identity.	Yes
For marketing purposes: 1. With our service providers and our affiliates – to market our own products and services and for audience creation; and 2. With non-affiliated third parties for joint marketing purposes.	Yes
With Payoneer clients, customers or third parties using our services – to perform our services, assist in carrying out your transactions with such clients, customers or third parties or for purposes of our refer-a-friend program(s). Information shared with clients may include information you provide to us for “Know Your Client” (KYC) purposes. When you register based on a referral of a member of the Payoneer Affiliates program, we may share your personal information with such affiliate. In addition, where a Payoneer card is issued to you as an expense card under a Corporate Client expense card program (in accordance with our Terms and Conditions) – we will disclose information related to usage and balance of the card to such corporate client.	Yes
In response to legal process – to comply with the law, a judicial proceeding, subpoena, court order, or other legal process.	Yes
In connection with business transfers – to another entity if we are acquired by or merged with such other entity, if substantially all of our assets are transferred to such other entity, or as part of a bankruptcy proceeding.	Yes
To protect the rights, property, or safety of us and others – we disclose personal information to our business partners, service providers and other third parties when we believe it is necessary or appropriate. This includes exchanging and/or jointly using information with other companies, businesses and organizations when you use our services in connection with such third parties’ or their affiliates’ services and/or when we facilitate the processing of your payments on other platforms or websites operated by our users, for the purpose of us and/or them investigating, preventing, or taking actions regarding suspicious or high risk transactions, illegal activities, suspected fraud or fraudulent operations connected to such other entities’ businesses and/or our services, situations involving potential threats to the safety of any person, violations of our or their Terms and Conditions or this Policy, or as evidence in or otherwise connected to litigation in which we or they are involved.	Yes
Anonymized, aggregated and/or de-identified information – we may disclose anonymized, aggregated or de-identified information about users for marketing, advertising, research, or similar purposes, including our vendors’ service improvement.	Yes
With consumer reporting agencies, as permitted by law, with respect to users from the United States.	Yes
As a participant in Amazon’s Payment Service Provider Program, designed to enhance its ability to detect, prevent and take action against bad actors so that Amazon and participating PSPs can continue to protect customers and sellers from fraud and abuse, if your Payoneer account is registered with Amazon, we would disclose to them certain data collected during the account sign-up process and as you use our services. This includes, as applicable, “Know Your Client” data such as identity data (e.g. name, nationality), contact information (e.g. address) and details regarding your accounts with Payoneer and your bank account(s). If your Amazon account is deactivated or terminated by Amazon due to abuse, fraud or illegal activity, we disclose additional information, including limited transaction related information. Please see Amazon’s PSPP Policy Help page for important details here.	Yes
With our service providers – for their machine-learning algorithms. These service providers use the data we provide to maintain and improve their machine-learning algorithms which they use to provide services to us and to their other clients. When these service providers use data this way their use is subject to their own privacy policies. A list of the service providers which use data for their machine-learning algorithms can be viewed at https://www.payoneer.com/legal/ .	Yes
With partners that provide services to you such as lending services, investment platforms and stablecoin infrastructure – if you apply for a product or service offered by one of the partners we work with, personal information, including information you provide to us for “Know Your Client” (KYC) purposes, will be shared with such partner during the application process and for the duration of the relationship for purposes such as facilitating your use of their services, identifying you, assisting with your application, administering the relationship and monitoring account status.	Yes
When you register for an account on the Payoneer Affiliates performance marketing partner network, we use a third-party portal to store your personal information, and we may disclose your personal information with such third party as necessary for the performance of your Payoneer Affiliates performance marketing partner network account. We may also, from time to time, provide such information to certain third-party administrative vendors for efficiency in providing administrative or program management services in connection with your Payoneer Affiliates performance marketing partner network Account.	Yes

If you do not want us to use your details for marketing purposes, and/or to pass your details on to third parties for joint marketing purposes, please contact us through the various communication channels available, as listed under the Section titled “CONTACT US, QUESTIONS, UPDATING YOUR INFORMATION, OPTING OUT” below. You will also be able to unsubscribe from any marketing emails sent to you by Payoneer using a link provided in such emails.

If you do not want us to disclose your details with our service providers for their machine-learning algorithm purposes, please contact us through the various communication channels available, as listed under the Section titled “CONTACT US, QUESTIONS, UPDATING YOUR INFORMATION, OPTING OUT” below.

Where do we store your data?

All information you provide to us is stored on our secure servers or our third-party cloud service providers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your data transmitted to our websites; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

Changes to this policy

We keep this Policy under regular review and update it from time to time. You will be notified of changes to this Policy via the posting of an updated version on our websites and, where appropriate, via email and/or message to “Payoneer Account”. Changes will take effect upon the date on which an updated Policy is posted on our websites. We recommend that you regularly check for updates or changes to this Policy and that you review this Policy when visiting our websites. We will not materially reduce your rights under this Policy without taking steps to bring such changes to your attention.

Automated decision making

We may use automated decision making as part of our process to evaluate eligibility for the use of our services. Such decision-making processes may be solely automated and will not require human intervention. We use this as a measure of fraud prevention and for the purposes of security and risk assessment relating to the performance of our services, to comply with applicable “Anti Money Laundering” (AML) and “Know Your Customer” (KYC) rules and to verify your identity when you become a customer.

Requests related to your personal information

Subject to applicable law, you may request to receive a copy of your personal information or request to rectify or delete your personal information which is not correct, complete, clear or up to date. To exercise such rights, please contact us through the various communication channels available, as listed under the Section titled “CONTACT US, QUESTIONS, UPDATING YOUR INFORMATION, OPTING OUT” below.

If you are a Payoneer services customer and would like to update your personal information, please log into your “Payoneer Account” in order to update certain information or contact us through the contact information below. If you are not a Payoneer services customer but have provided us with personal information or if your personal information was provided to us by third parties, and you would like to update your personal information, you may contact us through the phone number or email address listed below. From time to time, we may email you or otherwise contact you with special offers; you can opt-out of those offers by using either the Notification Settings page in “Payoneer Account”, the unsubscribe link provided in the email, or by contacting us as noted below.

Payoneer Customer Care:

Payoneer Inc.

195 Broadway,

New York, NY 10007

Phone: 1-800-251-2521 (within the USA) or 1-646-658-3695 (outside the USA)

Email: