FAQ: ClickCash and Payoneer

About Payoneer: Payoneer is a service that allows participating web sites like ClickCash to send payments to independent contractors, like you, electronically. With Payoneer, you can be paid one of two ways. First, you can be issued a prepaid MasterCard/ATM debit card, onto which your regular payments from ClickCash are electronically loaded. You may then use your Payoneer Card in any number of different ways to realize your earnings, including ATM cash withdrawal, online bank transfers & wires, point-of-purchase sales, or with any merchant or bank that features the MasterCard logo, or the ATM logos Cirrus or Maestro. Your second option is International Bank Transfer. With this, Payoneer can deposit payments directly into your regular bank account.

You can obtain general information about Payoneer at Payoneer.com, including a generic Frequently-Asked Questions feature that applies to all the companies and independent contractors who use the Payoneer service. To learn more about the International Bank Transfer option, visit Payoneer's Local Bank Transfer Service information page. (The Payoneer website and Payoneer FAQ are very valuable resources that we encourage you to carefully read).

For specific information unique to ClickCash, and how it and Payoneer work together to pay you electronically, please review the questions and answers below.


What exactly does Payoneer mean for me as a ClickCash Affiliate?

With Payoneer, you can either be issued a reloadable prepaid MasterCard or, if you are outside of the US, receive payments directly to your bank account. We transfer your weekly commissions directly to you via the Payoneer service. With the Payoneer prepaid MasterCard, we send your payments to a "virtual account" from which you can transfer funds to your card any time you like. You'll get your money fast, usually by the end-of-day on Wednesday. You can withdraw your cash at practically any ATM on Earth or make purchases at any retailer accepting debit cards (anywhere featuring the "MasterCard," "Cirrus," or "Maestro" logo). In addition, you can review your balance and transaction history at Payoneer.com. If you sign up for Payoneer's International Bank Transfer instead, your payments will go DIRECTLY into your bank account, usually within 1 week (the exact time depends on your bank).

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Who is eligible for the Payoneer service?

If you already have a Payoneer card, you can link it to your account immediately. If not, any active ClickCash affiliate who has generated at least one commission is eligible to sign up for Payoneer. You can order a new Payoneer prepaid MasterCard, link an existing Payoneer account to your ClickCash affiliate account, or, if you are outside of the United States, sign up for International Bank Transfer (U.S. users can instead choose the "Direct Deposit" payment option from within the "Modify My Account" section).

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How do I sign up for a Payoneer account?

To sign up for your Payoneer account, log into your ClickCash account then click "Update Account" at the top of the page. From here, scroll down to the PAYMENT METHODS area and click the "Setup" link beside the Payoneer option. This will take you to the Payoneer site. Once at their page, click the "Get Your Prepaid MasterCard Card Now" link to apply for your card or choose the International Bank Transfer Service. Either way, approval can take 24-48 hours; Payoneer will e-mail you directly when this is done. Once you have your approved account and are ready to receive your payouts via Payoneer, return to ClickCash, access "Update Account" and select Payoneer as your payment method. If you are ordering a prepaid card, you may switch over prior to receiving your card, but after Payoneer has approved your account, but we recommend that you wait for receipt of your physical card from Payoneer before making the switch, since you will need your card for MasterCard and ATM transactions.

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What if I already have a Payoneer account? How do I get my ClickCash commissions paid through it?

If you already have a Payoneer account, simply log into your ClickCash account and click on "Update Account." Scroll down to the PAYMENT METHODS section and click the "Setup" link beside the Payoneer option. This will take you to the Payoneer site. Once at their page, click the "Already Applied For a Card" link. This will enable you to link your ClickCash payouts to your Payoneer account. After completing the process on their site, it can take up to half an hour for Payoneer to link your account; once done and you are ready, return to ClickCash, access "Update Account" and select Payoneer as your payment method.

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Does it work everywhere?

The Payoneer card works everywhere we have affiliates! Between the three ATM networks supported (MasterCard, Cirrus, and Maestro), you'll find millions of places to use your card worldwide. The International Bank Transfer service is available just about anywhere there are banks (outside of the U.S.).

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Are there any fees associated with using Payoneer?

With the prepaid MasterCard, as with any debit account, there are fees charged by the issuing bank. ClickCash does not get any revenue back from the fees (in fact, we're "eating" some of the charges ourselves); they all go straight to the bank. While there is no charge to sign up for the International Bank Transfer Service, there is a charge for each direct deposit transfer you receive. Depending on your country, Payoneer may convert the U.S. Dollar deposit into your native country; if so, a currency conversion fee, competitive with or better than that of most banks, will apply. To learn more about the benefits and fees associated with the International Bank Transfer option, visit Payoneer's Local Bank Transfer Service information page.

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Can I change my mind later?

If you elect to be paid by Payoneer now, yes, you can always change your mind later. If you decide to switch payment methods, just log into your ClickCash account, then click the "Update Account" link above, and select the appropriate option (available choices vary based on country). Your next ClickCash payment will be sent via the method you choose. (Typically, ClickCash payouts are processed each Sunday, so if you switch back after the processing starts, you're new choice takes effect the following week.)

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I just asked for a Payoneer account. What happens next? What happens in the meantime? When my card arrives, will it already have last week's commissions?

Payoneer reviews all requests for new accounts. Approval typically takes 24-48 hours. Once approved, you may choose to start using your Payoneer account immediately for receipt of ClickCash commissions. You will just need to log in and switch your Payment Method to Payoneer. Once you notify us that you wish to receive payments to your approved Payoneer account, payments to either your Payoneer "virtual" account (for card holders) or your own bank account (for International Bank Transfer users) will start!

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When each week will my weekly ClickCash commissions be available on my Payoneer card?

We process payouts as soon as the pay-week ends. As it takes Payoneer a couple of business days to receive and process everything, your earnings for the previous week will typically be available in your "virtual" Payoneer account for you to transfer to your prepaid card by the end of the business day on Wednesday (US Eastern time). International Bank Transfers will take a few business days extra, depending on your particular bank. In the event of a holiday, however, there may be an additional day's delay. For prepaid card holders, you can check your Payoneer account balance and transfer money from your account to your prepaid card at any time through your Payoneer.com online account.

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If I'm being paid via Payoneer, does the "Minimum Payment Amount" setting still work?

Yes, you will only be paid once you've reached the minimum payment amount you specify.

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I don't want to receive any payments at all while I wait for my card to arrive. Is there any way I can start earning money now, but not be paid until I have my card?

If you do not wish to receive payments via check while you wait for your Payoneer card to arrive, choose the "Hold Payments" option in the Payment Methods section of your account settings. Your funds will not be released until you have return and choose a different payment method.

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I am an iFriends webcam model. I log into ClickCash using my webcam model screenname. I configure my ClickCash links with "&acct=[My_Model_Screenname]". How will Payoneer work in my situation?

If you are using your iFriends webcam model account to earn ClickCash commissions, you would be paid through iFriends. So, if you would like to receive payments via Payoneer, you will need to opt-in to Payoneer through your iFriends ID Card instead. ClickCash pays out commissions to the payment method you have selected for your webcam model account, so if you've already elected to receive payments via Payoneer there, your ClickCash commissions will automatically pay out to that account.

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I understand that ClickCash requires me to fax in a written agreement if I use Payoneer? What's the deal with that?

That is incorrect. While you must click to affirm an online "clickwrap" agreement when you create your ClickCash account, and Payoneer has its own online agreement, ClickCash requires a signed written agreement on file only for larger accounts that generate significant weekly payment volume. (The current threshold is $1,000 per week; ClickCash will not release a payment in excess of this amount -- as a physical check or an issuance via the Payoneer service -- without a written agreement on file.)

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I already have a Payoneer prepaid card, but I want to switch to International Bank Transfer/Direct Deposit (or vice versa). Can I do that?

No problem. Just contact Payoneer, and they can help you switch over.

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Where can I get help?

If you have a question about a specific deposit from ClickCash, the best place to start is with our own Support. If you have a general question about using your Payoneer card, the Payoneer FAQ has lots of helpful information. If you have a question about or a problem with your card that isn't answered there, you can contact them through their own Cardholder Service page at: http://www.payoneer.com/contactUs.aspx.

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