Payoneer card top-up setting - FAQ
Note: The card top-up setting is being removed from our apps as of March 1, 2024. This FAQ discusses the card top-up setting, why it’s being removed, and how you can control card spending once it's removed.


Card top-up makes funds from your balance available on your card for spending or withdrawing from an ATM. Spend limits specify the maximum amount that can actually be spent for a defined period.

Example 1: Your USD card is topped up to 10,000.00 USD and your daily spend limit is 5,000.00 USD.

If you spend 5,000.00 USD in the morning, you cannot spend any more that day.

Example 2: Your USD card is topped up to 10,000.00 USD and your daily spend limit is 10,000.00 USD.

If you spend 5,000.00 USD in the morning, you can spend another 5,000.00 USD that day.

Example 3: You have a primary USD card and 3 linked USD cards. Your primary USD card is topped up to 10,000.00 USD at the start of the day (this is the maximum that you'll be able to use on your card that day) and your daily spend limit is 5,000.00 USD on each of the 4 cards.

If you spend 5,000.00 USD in the morning on one card, you’ll be able to spend another 5,000.00 USD in total on any of the other 3 USD cards.


Our goal is to provide you with a simple-to-use and flexible solution for controlling card spending. Card spending limits give you maximum flexibility to manage and control how much can be spent on each of your cards on a daily and monthly basis.

We’ll still make funds available on your card on a daily basis, but you should now use the daily spend limit setting to control maximum card spend, rather than adjusting the maximum top-up amount.


Please make sure to update your daily card spending limits to align with the maximum amount that you wish to be spent on each card in one day. This is especially important if you had previously configured a custom amount for card top-up that is lower than the set daily spending limit.

To set card spending limits:

  1. Sign in to Payoneer.
  2. Go to Payoneer cards.
  3. Choose a card to see its details, and select Manage spend limits.
  4. Set the required daily (and monthly) spending limits per your business needs.


When we top up your Payoneer card, we make funds available on your card daily for purchases online/in-store or to withdraw from ATMs.

The card top-up setting allows you to turn card top-up off (so that we won’t make funds available on your card) or to modify the maximum amount of funds we make available each day.


Each day we make funds available on your card to spend online/in-store or withdraw from ATMs, up to a set maximum. You can never spend more than that amount, regardless of how you set up daily spending limits. However, if you set up a lower daily spend limit, that limit will determine the maximum amount that can be spent on the card that day.

It’s important to keep 2 points in mind regarding the funds available on your card:

  • The funds that we make available on your card are completely safe and under the responsibility of Payoneer and/or the card issuer.
  • The funds available on your card are still part of your overall currency balance (as shown on your account home page) and can also be used for making payments, converting currencies, or any other financial transaction.


Yes! The funds available on your card are still part of your overall currency balance (as shown on your account home page) and can also be used for making payments, converting currencies, or any other financial transaction in Payoneer.


We’re working hard to release a new capability to freeze a card that will enable you to temporarily block all card usage. Until that is available, you can block the ability to spend on a card by setting its daily limit to 1 unit per currency (1 USD/EUR/GBP/etc). You can also contact us to temporarily freeze your card.


You can, although we recommend that you start managing your maximum daily card spending using the card spending limit setting.

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