How to get your free MASTERCARD from Nigeria

Payoneer
iPayoneer.com is the first independent website to be dedicated to the ongoing international revolution in global payout represented by the new Payoneer system.
Payoneer promises to make getting paid easier by allowing organizations to pay people around the world directly to their universally accepted Payoneer Prepaid MasterCard. It is a world-class innovation in the way money is transmitted to individuals around the globe.
We are so excited about this great system that we have set up this website to help you understand Payoneer and take full advantage of all the benefits it offers while avoiding some of the catches. We provide a set of quality articles and step by step tutorials that will guide you through the whole process the easy way.
We recommend that you start by taking a look at what is Payoneer for an in-depth understanding of the system and how it works, then you may want to know if you can qualify for a Payoneer prepaid card and how you can easily get yours.
With booming Internet access and major improvements to collaborative work tools, employers around the world are finding it much easier to outsource work than it used to be a few years back. However, payment, particularly for firms whose workers live in many different countries, remains a complex task.
Businesses typically use wire transfers or services like Western Union, MoneyGram or PayPal to issue payments, all of which can result in fees and/or complications. Printed checks aren’t a better solution as they require postage and a significant snail-mail delay time… As a matter of fact, these services were initially designed to be used on a person-to-person or person-to-business basis, and are inefficient when used for business-to-person payments.
Payoneer offers a convenient solution to this issue by allowing organizations to pay large numbers of workers around the world, efficiently and securely directly to their Payoneer Prepaid MasterCard® cards, which avoids them the delays and heavy surcharges of more traditional methods mentioned above.
Payoneer is a privately-held start-up of Israeli origin founded in 2005. It now has its headquartered in New York and employs 55 people, including a team of experienced financial and technology professionals. Payoneer is backed by private and venture capital investors including Greylock Partners, Carmel Ventures, and Crossbar Capital and is a registered MSP with MasterCard.
As it is meant to offer businesses a better way to pay their workers, Payoneer Prepaid Debit Cards are co-branded with the company’s name and logo. This means that depending on the company that you apply through; your card’s look will differ as Payoneer offers customized cards.
The Payoneer’s MasterCard Prepaid Reloadable Debit Card can be use to buy goods and services or withdraw money anywhere in the world where MasterCard Debit cards are accepted, this includes websites, ATMs and shops. As you can see, the cards offered by Payoneer are not credit cards as you cannot spend more than what you already have on your card.
Do you qualify for a Payoneer card
Because you need to go through a Payoneer partner to apply for a card, an implicit requirement is that you have to have an (online) activity that generates money. For example, if you are a computer programmer, you could sign up with a freelancing service to earn money and if you have a popular website or blog, you could sell links and reviews and get paid for that…
This is quite obvious because Payoneer has no interest in people that do not earn anything because they would never be able to load money on their card and pay the fees. However, you shouldn’t worry much about that as there are so many ways to make money online (and so many partners) that you will ultimately find something that suits your skills.
Unlike most Payment solutions, Payoneer is available to almost anyone from any country on the globe. YES, you read it right, anyone from any country can have a Payoneer MasterCard card. The only countries that are currently excluded are Iran, Syria and North Korea for obvious political reasons.
This universal availability is a major advantage for Payoneer over its competitors like Paypal that are restricting access to a few countries thus excluding thousands of online workers from around the world (India, Pakistan, Malaysia, Africa…).
The last thing you have to look at when considering Payoneer, is age. If you are over 18 years old, you can qualify for the program with no restrictions. If your age is between 13 and 18 years, you will have to be authorized by your parents to be able to apply for the card.
That’s about all! As you can see, it is quite easy to access the system.
Now that you see that you can qualify for a Prepaid Payoneer MasterCard card, you can follow our step by step application tutorial to get you started within minutes.


PAYONEER APPLICATION TUTORIAL


Before you apply for a Payoneer Prepaid MasterCard Card, we strongly recommend that you make sure you do qualify for such card.
Now that you know that you are eligible, the first thing you need to do is choose a partner through which you will apply. This is probably the most important part of the process as it goes down to choosing the revenue stream that will supply your card with money. Ideally, you could already be working with a Payoneer partner, but if you are not, it just takes a few steps to sign up with one of them.
Depending on your skills, here are three partners we recommend:
• Text-Links-Ads: TLA is basically a marketplace for blogmasters and webmasters to sell links on their websites or blogs. If you have a blog/website, this is in my opinion the best place to start.
• GetAFreelancer : GAF offers you the possibility to work as a freelancer. To earn money, you need to complete jobs such as computer programming, design or even simple admin work like data entry which requires very little qualification. We recommend signing up with GAF from here.
• 2CheckOut: Is a payment processing service that lets you sell goods and services on the Internet, if you are an online merchant or a service provider, this is the best choice for you.
With those three options, most cases are covered. However, if you need more choice, you may take a look at our extended list of Payoneer partners.
Payoneer partners
Because getting a payoneer card requires going through a Payoneer Partner, we have listed below some of the ones we have been able to identify. If you know of any other ones, please do let us know by commenting on this page so we can complete the list.
• Freelancing
o GetAFreelancer
o uTest
o Guru.com
o oDesk
o RentACoder
o ScriptLance
o Elance
• Payment processing
o 2CheckOut
o Plimus
o FastSpring
o WebMoney
• Advertising
o MediaWhiz
o Bux.to
o Copeac
o ROIRocket
o IncentReward
• Adult
o AWEmpire
o Adult Friend Finder
o Hustler Cash
• Others
o FreedomRocks
o GPA40
o iStockPhoto
o Fluc
o Zizbiz
o MagicRock
o TripleClicks

• Now let’s assume that you choose to go through TLA (MediaWhiz). After you sing up with them using (one of) your website(s), you will have to install the code they provide in order for them to start selling links on your site. It will take a few days and sometimes weeks for you to make your first sale.
• Anyway, once you start making money from TLA, log in to your account anc click “Edit Account”. The page that will show up will offer you the possibility to update your personal info alongside with other things amongst which the payment option.
• The first thing to check is that all your personal data is accurate and real. Then scroll down till you see this option “*Would you prefer to be paid via check, payoneer or paypal?”. You are now able to choose “Payoneer” by selecting it from the list. All you need to do now is update your data by clicking the “Update Account” button.
• You will then be redirected to a pre application page where you will have some info on the advantages of Payoneer. The next step is to click the button “Apply” at the end of the page so that you are redirected to the application form on the Payoneer website.
• Fill in the form with the infos you are asked and make sure everything is accurate and coherent with what you entered in the TLA website. Send the form.
• Shorlty after the application process is complete, an email will be sent to the adress you provided informing you that your order has been received. They will also tell you that once it is approved, you will receive a confirmation email and the card will be mailed within 2 business days. You will also be reminded of your username so that you can access your online account.
• The approval process can take up to two weeks. Then it takes the bank 2 to 3 business days to make the card.
• That’s about all you need to do before you start waiting for the approval confirmation email and the card to arrive.
•
Payoneer Cards : How to get your Payoneer card
The most important thing to keep in mind about Payoneer cards, is that you can’t apply for a card on your own. The fact is, if you browse the Payoneer website you won’t find an application form anywhere. This is because they do not deal with “individuals”.
To be able to access the application form, you need to be referred by a Payoneer partner, a sort of endorsement if you want.
Payoneer has partnered with many online businesses to offer them the possibility to make mass payouts easier, faster and more convenient for them and those who will receive them. If you are not already making money from one of Payoneer’s many partners, you will have to start by signing up with one of them.
We provide a complete list of Payoneer partners for you to choose from but we advise you to use the ones we recommend in our step by step Payoneer card application tutorial.
Once you have applied for your Payoneer prepaid card, you will have to wait for your application to be reviewed and accepted (or rejected). The review process usually takes no more than a week and you should receive an email informing you that your application has been approved both from Payoneer and the partner you went through to apply. The email will also inform you that your card has been sent to you by regular mail.
Depending on where you live on the globe, you might have to wait for your card to arrive for several weeks. Of course if you live in the US, it will be much faster.
Once you receive your Payoneer card, the next steps are to activate it and load money on it before you can start using it.
How to activate your Payoneer card
Activating a new Payoneer card is extremely easy. When you receive your
card in your mailbox (a letter containing the card), go ahead and open it.
You will see something like this:

The first step is to log in to your Payoneer web account here using your username/email (usually the email you used to apply for the card), your password and the four digit captcha displayed on the page (that prevents from automated attempts of hacking your account).
Wait a few seconds for the page to load and you will see a message telling you
“Your card has not been activated yet. Click here to activate your card”
Go ahead and click that link!
The next page you will see looks like the following picture:

Enter the card number so that Payoneer can verify you have received the card and then choose a 4 digits PIN code for your card (enter it twice). Make sure you don’t forget that PIN because you will need it if you want to use your card in ATMs and stores (not needed on the Web).
Press the “Activate” button to activate your card.
If you have made no mistakes in the numbers, you will see a new page telling you that your activation has been successful.

You can now start using your card !
How to receive money through Payoneer
There are many different ways you can load money into your Payoneer account/card. In this article, we will be explaining the process of receiving money from a Payoneer partner (the one you work for/with).
The process is quite simple and flawless. First, you receive and email into your mailbox informing you that you have received money from the partner.
When you open the email, you will read something like:
“Dear …………….,
Good News!
xxx has sent $xx.xx towards your account.”
The email will also state that in order to receive the money, you have to choose a loading option and verify your details by clicking on the button that reads “Continue“.
Go ahead and click that button so that you are redirected to the load options page. If for some reason the button doesn’t work properly, you can still copy/paste the link provided in the mail into your browser.
Here is what you will see in your browser:

Payoneer money loading options
As you can see, the page offers you to choose between the standard load and the immediate load. When you are done choosing, click the “Load” button located near the bottom of the page.
You will then be shown a confirmation page. You can still change your mind and opt for an immediate load if you have chosen the standard option.

Payoneer money loading confirmation
You can also choose to always receive your money immediately. Of couse, given the high fee you will be charged for that, this is not something we would recommend.
That’s all you need to do before you start waiting for the money to become available into your card.
Three business days after (or two hours if you have choosen the immediate load), you will receive an email informing you that your card has been loaded.
You will probably want to log in to your account to check your balance and see how much money you have been charged for the transaction. Don’t be surprised if you see an overcharge of $3, that’s the cost of the monthly maintenance fee.
Payoneer Virtual US Bank Account, what is it ?
Many people around the globe have been trying to apply for a US Bank Account but were denied by the extremely restrictive conditions they have been required to fulfill before they could get one.
After the September 11th 2001 attacks, the US government issued what is known as the “USA Patriot act” that was meant to avoid any future attacks of the same kind. One of the measures that are included in that document is that non US residents cannot hold a US Bank Account as they did before.
Today, getting a US Bank Account the regular way when you are not a US citizen is still impossible or to be more accurate, difficult and very costly. However, there are alternative solutions such as the one offered by Payoneer.
Payoneer has introduced months ago a new and innovative service called US Virtual Bank Account. As you can see, this is NOT a real US Bank Account, it is just a virtual one! In practice, things work this way: Payoneer gets a mega Bank Account with a partner US bank under which sub accounts are created for each Payoneer customer in order to provide them with unique account numbers they can use to get payments. Payments can be sent to the sub account, using the account number that was previously provided, then Payoneer transfers the money they receive to the personal Payoneer Debit Card of the customer that received the payment in order for him to be able to spend it!
In the end, you don’t really get a US Bank Account, but you have all the infos (numbers) that are needed to get paid by a customer or a partner who cannot use Paypal or other payment systems.
As you can see, this new service offered by Payoneer is very useful and quite smart! Anyone is now able to enjoy the benefits of a US Bank Account without the hassle.
How to get a virtual US Bank Account
Getting a Virtual US Bank Account from Payoneer has been a subject of debate for long months on many forums around the web. As a matter of fact, this new service was first launched as a Beta program so you had to send an email to the Payoneer team and hope for them to accept you as a Beta tester.
Today, things have changed a little and Payoneer itself is inviting people to join in. I think they are trying to grow their user base as a preparation for a public launch.
I myself have recently received the following email from them:
Dear Payoneer Cardholder,
We have been inviting a limited number of valued Payoneer cardholders to participate in a new pilot service – the Payoneer Virtual US Account.
Participating will allow you to receive ACH payments (such as direct deposit and electronic transfer) from US corporations direct to a Virtual US Account. For example, you are able to receive funds from PayPal. Once received in your account, your funds are loaded to your Payoneer card. Money cannot be withdrawn from the Virtual US Account itself – only using your card. Payments are subject to the terms & conditions set by the US organizations that pay you.
To date, the feedback on this new service has been very positive.
The fee for a Payoneer Virtual US Account is $20 annually and 1% of transactions.
If you would like to sign up, please reply to this email with answers to the following questions:
1. What services or products do you offer?
2. From whom do you expect to receive payments?
3. What is your company’s website?
4. Please provide any other information about your company or services.
If you have already started using the Payoneer Virtual US Account we would love to hear your feedback about the service. Please post your feedback on the Payoneer Community Forum
Thank you for your time
The first thing you have to note is that I am a “Valued Payoneer cardholder”!!! More seriously, this means you need to already be a Payoneer customer if you want to be invited, and not any customer!
Second thing, places are limited, this is probably why you have to show some interest and motivation by answering some of their questions.
However, the most important information is not explicitly stated in the email as you need to have some historical data to uncover it. Payoneer have actually made their service way cheaper than it was as it is now only $20 a year compared to no less than $99 before!!
Now, what can you do to get your Virtual US Bank Account if you are a Payoneer customer and you did not receive the above email? I think the only thing you can do is send them an email with your answers to the above mentioned questions and hope for them to be convinced.