2016年9月27日 星期二
Re: CWD USA
依照[2.]，採用Payoneer信用卡中的Global Payment Service。
1. CWD USA
http://yuanquanblog.blogspot.com/2016/09/cwd-usa.html
2. How to Get Paid from the Amazon Affiliate Program Using Payoneer
http://yuanquanblog.blogspot.com/2016/09/how-to-get-paid-from-amazon-affiliate.html
1. CWD USA
http://yuanquanblog.blogspot.com/2016/09/cwd-usa.html
2. How to Get Paid from the Amazon Affiliate Program Using Payoneer
http://yuanquanblog.blogspot.com/2016/09/how-to-get-paid-from-amazon-affiliate.html
Payoneer vs Paypal vs Wire Transfer vs Western Union: How to Pay Anyone in Any Country
2015 Copyright Biz 3.0 and Time Doctor
If you’ve been hiring staff around the world, have you encountered the problem of how to actually pay them?
Many companies use our software Time Doctor to track time for people working from home on countries like the Philippines, India, Russia or Ukraine. These companies also are looking for an easy way to pay these contractors that are working from home.
This article is written for the situation where you have someone working from home in a foreign country and you need to pay them. If you are sending money to a friend or relative some of this advice will still apply, but the focus of the review is for paying people working from home all around the world.
Which method should you choose?
Western Union
Western Union has a very wide reach and often considered to be a high cost option, but they are not necessarily high cost in comparison with PayPal. They have a fairly straight-forward online transfer process, and the fees are not too exorbitant when sending from the US. Western Union is a great option if your recipient does not have a bank account, but it’s not a convenient option for the recipient to need to collect the money in cash for each transfer made.
PayPal
PayPal works reasonably well for countries such as the Philippines, but it’s not a great option for Russia or Ukraine for example. The fees for PayPal are much lower if the transaction is considered a transfer to a friend or family member. PayPal is a fairly low cost option when money is transferred within the US, but the costs go up significantly for international transactions. PayPal also have a less expensive mass payments option for businesses that are paying several people at the same time.
Payoneer
Payoneer is a good option for transferring money if you can get a relationship with them. They have the ability to send out a debit card which allows the user to withdraw money from an ATM machine wherever they are located. Payoneer is only available through selected partners.
For example Upwork (formerly oDesk), Freelancer.com and Elance all have a relationship with Payoneer to send and receive payments. Payoneer has minimal fees for partners, there are some fees for the recipient for withdrawal from ATMs and for each load onto their card. If you have a large number of employees you might be able to get a business relationship with them.
Other options:
Xoom
Xoom is a lower cost method of sending money to over 30 different countries however they have banned commercial payments from businesses to workers so this is not an option.
Payments.ph
Payments.ph is a low cost option for sending money from a US bank account to the Philippines. Costs only $4.99 per transfer (plus currency conversion).
OrbitRemit
OrbitRemit is a low cost option for sending money from the UK. Costs £5 for transfers up to £200 and £7 for transfers over this amount.
RemitHome
RemitHome is an option for sending money from the US to the Philippines and costs $10 per transfer (plus currency conversion).
Skrill
Skrill, formerly “Moneybookers”, does not currently offer an option to upload funds from US bank accounts which means it is not an option for transfers from the US. But it is a reasonable alternative for withdrawals from various countries in Western Europe.
Wire transfer
Always an option, but it costs money both for the person sending the money and for the person receiving the money. It only starts to become cost effective for larger transfers.
Local bank accounts
If you pay a lot of people in one country then a low cost method is if you have a bank account in that country you can organize a local transfer to all of the recipients. So you can do one wire transfer in and then multiple local transfers to the recipients. This obviously assumes that you are able to get a local bank account and that you have multiple people in the country.
Currency conversion – the Hidden Fee!
Most of these transfer options make some of their money from currency conversion. This is often a hidden fee so it can be hard to find out exactly how much is charged. The currency conversion fee varies usually from 1% to 3%.
If you are unsure of the fee you can calculate it yourself by finding out the currency rate that you are getting for the transfer and comparing it with the interbank rate. You can find the interbank rate here.
So for example, let’s say you would like to convert using Orbitremit from Pounds to Philippine pesos.
The rate on the Orbitremit website is 66.000 and the interbank rate is 66.6941. The difference is approximately 1% meaning that they are charging you a 1% currency conversion fee.
How to Use Payoneer for Receiving Payment or Paying Remote Staff
2015 Time Doctor
Payoneer is a quick and easy solution to receiving payments worldwide. It’s a new and an alternative way of getting paid for performing services or freelance work. Payoneer also gives you an alternative way to pay people directly without ever going through a third party payment service just to get the payment sent from across the globe.
Payoneer users will get an ATM Debit card that has the Mastercard logo and they can withdraw the funds at any ATM machine that accepts Mastercard.
How to register for staff
Go to https://www.payoneer.com/ to begin the sign up process.
Fill out the required details and attach a government issued ID such as a Passport, Driver’s license or a National ID.
As soon as the application is approved, you’ll receive confirmation that your card will be delivered. The entire application process, from signing up online to receiving the card, generally only takes a few business days.
Once you’ve received the card, activate it and start receiving payment from anywhere around the world!
How to Withdraw Funds
There are 2 ways to withdraw funds:
via Prepaid Mastercard
Users will receive a prepaid Mastercard in the mail a few business days after the application has been approved. This method doesn’t require you to have a bank account. Once your employer sends you your money, you’ll be able to withdraw the funds within 2 hours.
Please see their Pricing and Fees page for more details.
Local Bank transfer
For this method, you’ll need to enter your bank account details and link it to your Payoneer account. Same as with the Mastercard method: funds will be available within 2 hours. Once this has been set up, you can now withdraw funds in your local currency with minimal cost / low fees.
Please see their Pricing and Fees page for more details.
How to register for companies
If you have over 5 workers that you send money to you can register for a company account here. This will give you access to an account where you can fund the account with one ACH and then easily send multiple transfers to your workers.
If you have less than 5 workers then you can attempt to load funds manually onto a Payoneer card (See the section below on “Loading a Payoneer card manually”). However this method will only work for sending money to a Payoneer card and will not work for sending money via local bank transfer to the recipient.
Once you’ve successfully loaded the card, the funds will be available in 2 hours or less. Then your contractor will be able to withdraw the funds via the ATM Machine or use the card itself to make purchases.
Do take note also that there is a limit as to how much you can load onto a card. Click here to know more about the sending limits.
Payoneer is a quick and easy solution to receiving payments worldwide. It’s a new and an alternative way of getting paid for performing services or freelance work. Payoneer also gives you an alternative way to pay people directly without ever going through a third party payment service just to get the payment sent from across the globe.
Payoneer users will get an ATM Debit card that has the Mastercard logo and they can withdraw the funds at any ATM machine that accepts Mastercard.
How to register for staff
Go to https://www.payoneer.com/ to begin the sign up process.
Fill out the required details and attach a government issued ID such as a Passport, Driver’s license or a National ID.
As soon as the application is approved, you’ll receive confirmation that your card will be delivered. The entire application process, from signing up online to receiving the card, generally only takes a few business days.
Once you’ve received the card, activate it and start receiving payment from anywhere around the world!
How to Withdraw Funds
There are 2 ways to withdraw funds:
via Prepaid Mastercard
Users will receive a prepaid Mastercard in the mail a few business days after the application has been approved. This method doesn’t require you to have a bank account. Once your employer sends you your money, you’ll be able to withdraw the funds within 2 hours.
Please see their Pricing and Fees page for more details.
Local Bank transfer
For this method, you’ll need to enter your bank account details and link it to your Payoneer account. Same as with the Mastercard method: funds will be available within 2 hours. Once this has been set up, you can now withdraw funds in your local currency with minimal cost / low fees.
Please see their Pricing and Fees page for more details.
How to register for companies
If you have over 5 workers that you send money to you can register for a company account here. This will give you access to an account where you can fund the account with one ACH and then easily send multiple transfers to your workers.
If you have less than 5 workers then you can attempt to load funds manually onto a Payoneer card (See the section below on “Loading a Payoneer card manually”). However this method will only work for sending money to a Payoneer card and will not work for sending money via local bank transfer to the recipient.
Once you’ve successfully loaded the card, the funds will be available in 2 hours or less. Then your contractor will be able to withdraw the funds via the ATM Machine or use the card itself to make purchases.
Do take note also that there is a limit as to how much you can load onto a card. Click here to know more about the sending limits.
Can I receive my payment via Payoneer?
Yes you can! In order to receive your payments via Payoneer, all you need to do is sign up for a Payoneer account. You can apply to get an Infolinks Prepaid Debit MasterCard® to load your earnings and use it anywhere MasterCard® is accepted, including ATMs. If you already have a Payoneer account simply register it as your preferred payment method under Payment Settings in your Infolinks account. Payoneer enables easy & safe global payments, using a prepaid Mastercard®. If you need any assistance with your Payoneer account, please contact Payoneer Customer Support.
Know the facts:
After your Payoneer payment is issued it may take up to 5 business days for it to become visible in your Payoneer account. The minimum payout threshold for Payoneer is $50. Currently there are no fees associated with Payoneer payments. Payoneer is available in most countries worldwide. Although the Payoneer Prepaid Debit MasterCard® is not available in India; you can still select Payoneer if you reside in India. Please contact IndiaSupport@payoneer.com for more information about this option. Once the order has been processed, please allow 10 business days to receive your card by regular mail within the U.S. For delivery outside of the U.S., it may take up to 25 business days to receive your card. This card is received at all locations accepting Mastercard, including ATM’s. The ATM will let you withdraw cash up to the balance available on your card. To determine if your card can be used at a particular ATM, look for the logo on the back of the card. If the logo is located on the ATM, your card can be used at that ATM.
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