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Comment by chocolatkey | Hacker News Reader

Payoneer is one of the options we use to pay freelancers, in fact many of them quite like it, but for the freelancers' sake, I prefer 100% free methods like Zelle or ACH where possible because you have to pay a fee to take money out of payoneer you receive. At least it's better than paypal

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Zelle takes a considerable percentage cut for non-personal transactions.

Do you make use of Payoneer API for payouts? How do you find it?

I use Zelle through the BoA small business account's web interface, there is no charge. I tried getting Zelle API access through US Bank but they never replied so I'm stuck with BoA web.

Payoneer is really cagey about how you unlock better features, our account got upgraded to VIP though because we pay a lot through it. We still use their interface, maybe I'll figure out how to get their API someday

Is TransferWise an option?

I'm considering it for foreign payments, but what I'm looking for is really a good API for ACH, Wire etc. because different freelancers want to use different payment methods. Honestly if Mercury (which we have an account with) would just let us do International Wires through their API it would already make life easier, but for whatever reason they only condone ACH transfers through their API (even though the web UI uses an API for wires...). Even then though, I still have to deal with other freelancers who want to use another payment method. That's why I'm looking for the most complete service out there in terms of financial system integration. The OP's service looks appealing to me because it says "ACH transfers", "Wire transfers", and "Real-Time Payments". That covers quite a portion of what freelancers want, unlike e.g. Wise, which is a single method. I'll keep doing my research for now.

All fair points! My apologies I could not be more helpful.

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