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Payoneer

Payoneer

Freelancer Payments

VS

ACI Worldwide

Real-time payments

ACI Worldwide
Fees from
3.99% + $0.49 vs Custom
Features

2 shared

1 unique to Payoneer
Regions

5 shared

2 unique to ACI Worldwide
Pay methods

3 shared

3 unique to Payoneer · 16 unique to ACI Worldwide
On settlement

Payoneer settles in 2–7 business days; ACI Worldwide settles in Same day. Verify directly with each provider before signing.

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Show full specs
3 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Payoneer Payoneer
ACI Worldwide ACI Worldwide
Quick Facts
Fees
Standard transaction rate
3.99% + $0.49
Custom
Settlement
Time to receive funds
2–7 business days
Same day
Founded
2005
1975
Headquarters
New York City, New York, United States
Elkhorn, Nebraska, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Payoneer leads (3 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
ACI Worldwide leads (19 vs 6)
Ach
✓
✓
Amex Unique
—
✓
Bank Transfer Unique
✓
—
Contactless Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Faster Payments Unique
—
✓
Fednow Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Mobile Payment Unique
—
✓
Open Banking Unique
—
✓
P2p Transfer Unique
—
✓
Qr Code Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Swift Unique
—
✓
Visa Unique
—
✓
Wire Transfer
✓
✓
Regions
ACI Worldwide leads (7 vs 5)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Payoneer is best when you...

Freelancer Payments
Need Startup Friendly
Not available with ACI Worldwide
View Payoneer

ACI Worldwide is best when you...

Real-time payments
Want coverage in Middle East, Oceania
Payoneer doesn't cover these regions
View ACI Worldwide

Frequently Asked Questions

What is the difference between Payoneer and ACI Worldwide?
They share 3 payment methods and 5 regions. Payoneer adds Bank Transfer, Credit Card, Debit Card that ACI Worldwide does not list; ACI Worldwide adds Amex, Contactless, Diners Club and 13 more that Payoneer does not list; ACI Worldwide also covers Middle East, Oceania; only Payoneer offers Startup Friendly.
Which is cheaper, Payoneer or ACI Worldwide?
Payoneer has published rates from 3.99% + $0.49; ACI Worldwide has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Payoneer and ACI Worldwide?
Payoneer lists 5 regions and 6 payment methods; ACI Worldwide lists 7 and 19. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payoneer and ACI Worldwide compare on integration and settlement?
both offer a sandbox; both support webhooks; Payoneer settles in 2–7 business days, ACI Worldwide in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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