Payoneer’s Capital Advance provides flexible working capital funding that you can tailor to your business needs. Choose from a range of amounts with varying time to settle. The greater the time to settle, the more funds you can get and the greater the opportunity to leverage your funding.

When you accept a Capital Advance offer, you receive an advance on upcoming marketplace earnings. Payoneer purchases a part of your future receivables equivalent to the Capital Advance amount plus fixed fee (the settlement amount).

The purchased receivables will be collected by Payoneer gradually from your future marketplace earnings until settlement is complete.

We purchase a portion of your future earnings, with no limitation to a specific marketplace or funding source, in return for immediate funding, and we collect the earnings we purchased as you get paid. Offers are associated with specific stores to make it easier for you to manage different funding sources.

Typically, we collect the purchased receivables from marketplace payments related to the store associated with the offer. In certain circumstances, we will collect from other funding sources as well. See more details here.

The Capital Advance offers you receive are based on the historical sales performance of the marketplace stores associated with your Payoneer account, as well as predicted future sales.

Amazon sellers can get Capital Advance offers in USD, GBP or EUR for stores located on either Amazon.com, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.es or Amazon.it.

Eligibility for Amazon storesEmpty heading

Your store must meet certain minimum eligibility criteria to receive Capital Advance offers. These include your store being connected to and receiving payments to Payoneer, as well as various indicators of store health as measured by Amazon.

The table below describes the minimum criteria in more detail. Note that additional criteria related to your Payoneer account are also considered, including your address country.

*You can see these rates for your store in your Account Health page in Amazon Seller Central.

Eligibility for Walmart stores

Your store must meet certain minimum eligibility criteria to receive Capital Advance offers, including receiving payments to your Payoneer account. The table below describes the minimum criteria in more detail. Note that additional criteria related to your Payoneer account are also considered.

Each Capital Advance offer you receive is based on the earnings for a specific store. Once you are eligible to receive Capital Advance offers, you will receive them at regular intervals. Once you accept a Capital Advance offer naming a specific store, you’ll only get another offer for that store once settlement for the first offer is complete. Getting the first offer for a store, as well as subsequent offers, is subject to meeting our eligibility criteria and to the Capital Advance Terms and Conditions.

The fee we charge for a Capital Advance is a small, fixed percentage of the Capital Advance amount. The fee, along with the Capital Advance amount, are together called the settlement amount.
You can see the exact fee in the list of offers on the Capital Advance page in your Payoneer account.
We have no hidden fees! Payoneer does not charge any additional fees for receiving a Capital Advance above that stated fee.

Starting from the settlement start date specified in the offer, Payoneer collects a portion (for example, 35%) of each marketplace payment you receive from the store associated with the Capital Advance; the remaining amount of the payment is available in your Payoneer account to use as needed to run your business. Collection continues until settlement is complete, that is until the full settlement amount is collected.

Starting from the settlement start date specified in the offer, Payoneer collects a portion (for example, 35%) of each marketplace payment you receive from the store associated with the Capital Advance; the remaining amount of the payment is available in your Payoneer account to use as needed to run your business. Collection continues until settlement is complete, that is until the full settlement amount is collected.

Settlement starts from the settlement start date specified in the offer and collection is gradual, depending on your marketplace payments. The settlement period differs depending on the offer you select and can range from 1-6 months.

Click here for details on what happens if collection takes less or more time than estimated.

Sure.

Let’s say you receive a Capital Advance of 50,000 USD on June 8, with a fee of 3% (1,500 USD). Together with the fee, the settlement amount is 51,500 USD.
The settlement start date in the offer is June 15 – this is the date from which we’ll start collection.
The estimated settlement period, as referred to in the Capital Advance Transaction Summary email you receive is 2-5 months. By the end of this period, we estimate collection will be finished.
The collection percentage in the offer is 35%. This is the portion of each marketplace payment we’ll collect.
You receive a marketplace payment of 25,500 USD for your store on June 16 and we collect 35% of that payment (8,925 USD). The remaining 65% of your payment remains in your Payoneer account for your business to use as needed.
You receive additional marketplace payments for your store every 2 weeks and we collect 35% of each of those payments. After your marketplace payment on August 18, let’s say we’ve collected 46,500 USD of the 51,500 USD settlement amount. At your next marketplace payment on September 1, we’ll collect the remaining 5,000 USD that was left to settle (which in this case is less than 35%), and thus settlement will be complete.

In the Capital Advance transaction summary email you receive, we provide an estimated settlement period. This range is approximate, and settlement can typically be completed earlier or later, depending on your actual marketplace payments.

If settlement is complete much earlier than estimated (for example, due to much higher than estimated marketplace payments) you may be eligible for a partial rebate of the fixed fee. If you are eligible for such a rebate, we’ll let you know.

If settlement is not complete before or within the estimated settlement period, Payoneer will begin collecting the remaining settlement amount from up to 100% of any payments received to your Payoneer account (not just from payments from the store associated with the Capital Advance offer), until settlement is complete. Before we start collecting up to 100% of payments, we’ll let you know.

You’ll receive an email when we deposit the Capital Advance in your Payoneer account and each time we collect a portion of a marketplace payment, including the final collection when the Capital Advance is fully settled.

In addition, you can view all activity related to your Capital Advance in the Transactions page in your Payoneer account.

No. The amount you can accept is flexible. The allowed range is displayed in the offer details. The amount you accept impacts the collection percentage but will not change the estimated settlement date.

Note that if you choose to accept an amount less than the maximum, you’ll only receive another offer for that store once settlement is complete.

Offers with status Action required require you to either:

• Connect your store to Payoneer in Store Manager so that we can verify store eligibility
• Add account statement details for the store in Store Manager

To see which action is required, click Get details in the offer and follow the simple steps shown.

When you’re done in Store Manager, return to the Capital Advance page to see your offer’s updated status. Once your offer is in Approved status, you can go ahead and accept the offer. If you see Store ineligible, it means that the store is not currently eligible to receive Capital Advance offers. If the store becomes eligible in the future, you’ll receive a new offer.

On the Capital Advance page, we show you all your Capital Advance offers.

Walmart sellers – you will always see the Approved status under each offer

Amazon sellers – you may see any of the following statuses:

If this happens check the following:

• Make sure you completed account statement details for the store in Store Manager.
• Check the status of your Payoneer developer access in the Amazon Seller Central account for your store:
  1. Sign in to Amazon Seller Central and in the User Permissions settings locate the Authorization History table.
  2. Locate the entry with the Payoneer developer ID, originally used to connect your store. The Payoneer developer IDs (account numbers) can be found here.
  3. Check developer access:
     • If developer access is expired, click Restore access to renew developer access.
     • If developer access has been revoked, click Authorize and follow the steps to obtain your Amazon seller ID and a new MWS Auth Token (this blog shows the steps to authorize a developer in detail). Then contact us with the new MWS Auth Token.

Each Capital Advance offer is associated with a specific bank account used for Walmart payments. If you want to change the bank account you use for Walmart payments after receiving a Capital Advance offer, contact us to add your new bank account and create a new offer associated with that account.

From the moment you connect your store it typically takes a few minutes for us to verify the store’s eligibility, so that you can accept the store’s Capital Advance offer. Try waiting a few more minutes and refreshing the page. If the store continues to remain in Pending approval status even after an hour, contact us.

With flexible Capital Advance funding, each offer lets you choose from a range of amounts and varying time to settle. The greater the time to settle, the more funds you can get and the greater the opportunity to leverage your funding. Choose the terms that best suit your business needs. For example:

• If you need funds for more time to meet a long-term contractual obligation, choose the longest time to settle (the settlement period ranges from 1-6 months).
• If you need funds to purchase more inventory during a holiday season, choose the largest amount available (amounts offered are based on your store’s earnings).
• If you just need a small, quick infusion of funds to pay a supplier, choose a shorter time to settle and a smaller amount.

Note that you might not be eligible for all offer levels immediately. Each time you accept an offer and settle your Capital Advance, you can become eligible to reach another level of flexibility.

Keep in mind that the fixed fee percentage may vary depending on the settlement period and amount you choose.

You might not be eligible for all offer levels immediately. Each time you accept an offer and settle your Capital Advance, you can become eligible to reach another level of flexibility.

Collection will take place via ACH bank debit directly from your bank account, shortly after each Walmart payment you receive (typically within 1 day). We collect 35% of each Walmart payment you receive until the Capital Advance is settled.

Be sure to keep enough funds in your bank account after each Walmart payment to cover the collection.

To withdraw funds from your Payoneer balance directly to your personal or company bank account, sign in to Payoneer and go to Withdraw to bank. If you haven’t yet added a bank account for withdrawal, you’ll be prompted to do so.

To learn more about withdrawing to bank accounts, visit the Withdraw to Bank FAQ.