MASHINIi

Payoneer Global Inc..

PAYO.US | Other financial service activities, except insurance and pension funding activities, n.e.c.

Payoneer Global Inc. is a financial technology company that provides online money transfer, digital payment services, and working capital solutions. It facilitates cross-border transactions for businesses, freelancers, and professionals. The company's platform enables users to send and receive payme...Show More

Ethical Profile

Mixed.

Payoneer Global Inc. has faced regulatory challenges, including a $1.4 million OFAC settlement in 2021 for sanctions violations and a $1.25 million NYDFS penalty for allegedly processing payments to a bank in Crimea. The company also experienced a data breach in Argentina, reportedly causing user losses from $5,000 to $60,000, with concerns raised about its reliance on SMS-based 2FA. Employee reviews are mixed, citing issues like low salaries and management, though 46% of leadership is female. Reports suggest approximately 50% of earners are at a living wage, with a goal to reach 75% within two years.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect40
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-40
-100100
Kind to Animals0
-100100
No War, No Weapons-40
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-30
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Payoneer Global Inc. is a financial technology company providing online money transfer, digital payment services, and working capital solutions. Its core business activities do not directly involve health-related products, services, or research. The provided articles, including a summary of the 2023 Impact Report and employee benefits reviews, explicitly state that no quantitative data or specific details related to health outcomes, accessibility, or any of the 'Better Health for All' metrics were found.

1
Therefore, for all KPIs, the company's operations are deemed to have no significant direct positive or negative health impact, or the KPIs are not applicable to its business model.

Fair Money & Economic Opportunity

0

No specific, quantifiable evidence was found in the provided articles to assess Payoneer Global Inc. against the defined KPIs for Fair Money & Economic Opportunity. Information regarding customer demographics, specific pricing fairness metrics against market medians, revenue from high-cost products, details on inclusion initiatives, data accessibility features, fair lending compliance records, wealth building outcomes for customers, profit reinvestment as a percentage of pre-tax profit, financial literacy programs, customer debt burden ratios, or product simplicity was not explicitly available or quantifiable in a manner that aligns with the rubric's thresholds. While Payoneer operates in over 200 countries,

1
the articles do not provide data on its coverage of banking deserts or underserved geographic regions.

Fair Pay & Worker Respect

40

Payoneer reported an employee satisfaction rate of 93% in 2025.

1
No specific, concrete data points were found for other KPIs related to fair pay and worker respect, such as living wage coverage, CEO-to-median pay ratio, collective bargaining share, safety incident rate, pay equity ratio, turnover rate, labor violation incidents, insecure contract share, or health insurance coverage.

Fair Trade & Ethical Sourcing

0

No evidence available to assess Payoneer Global Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

-40

Payoneer has a formal whistleblower policy that allows employees to report suspected violations anonymously via voicemail or web form, emphasizing protection from retaliation.

1
However, there is no evidence of independent investigation processes. The company's code of conduct explicitly prohibits bribery, including facilitation payments to foreign officials, and requires compliance with the FCPA and other anti-corruption laws, mandating proper authorization and recording of all transactions.
2
While an FCPA-compliant policy is in place, the evidence does not specify the frequency or effectiveness metrics of training.

Kind to Animals

0

Payoneer Global Inc. is a financial technology company providing online money transfer and digital payment services.

1
Its business model does not involve the production of physical goods, animal-derived products, animal testing, animal agriculture, or operations that directly impact wildlife habitats.
2
Therefore, KPIs related to cruelty-free certification, animal testing, humane operations, ethical sourcing, supplier audits for animal welfare, cage-free sourcing, R&D for animal-free alternatives, animal agriculture ethics, and animal welfare policy engagement are not applicable to the company's operations.

No War, No Weapons

-40

Payoneer processed 2,220 commercial transactions totaling $793,950.70 to a bank in Crimea between 2013 and 2018, violating OFAC sanctions.

1
These inadvertent sales stemmed from a flawed sanctions screening program.
2
The company received a $1,250,000 civil monetary penalty from the NYDFS and previously paid $1.4 million to the US Treasury to settle potential civil liability for similar violations.
3

Planet-Friendly Business

0

The provided articles do not contain any specific quantitative data for Payoneer Global Inc. (PAYO.US) regarding environmental metrics. Multiple articles explicitly state that there is no publicly available data on carbon emissions, climate commitments, reduction targets, renewable energy use, water use, or waste for PAYO.US.

1
Information found for 'Pioneer Group' or 'Pioneer Corporation' was explicitly noted as not applicable to PAYO.US.
2

Respect for Cultures & Communities

0

Payoneer supports over 42 languages across its operations in 61 countries.

1
No other specific data points related to Respect for Cultures & Communities were found in the provided articles.

Safe & Smart Tech

-30

Payoneer experienced a data breach in Argentina, affecting a very limited number of customers, with reported losses ranging from $5,000 to $60,000.

1
The company acknowledged the issue, took swift action to contain the fraud, and pledged to protect funds, recover losses, and educate users.
2
However, there are conflicting narratives regarding the cause, with Payoneer blaming phishing and victims denying clicking links.
3
Unauthorized fund transfers occurred due to compromised accounts, with SMS-based 2FA being bypassed by phishing attacks.
4
Payoneer's security measures, including 2-step verification, CAPTCHA, and RSA adaptive authentication, were bypassed, and 80% of MFA solutions are cited as phishable.
5
Payoneer holds PCI DSS Level 1, SOC 2 Type II, and SOC 1 Type II certifications.
6
The company is licensed as a Money Service Business in the US, an e-money license in the EU, and a Funds Transfer Service Provider in Japan, among others.
7
Payoneer states it works with regulators and adheres to security standards as a regulated entity, and GDPR compliance was a driver for improving vendor risk management.
8

Zero Waste & Sustainable Products

0

No evidence available to assess Payoneer Global Inc. on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.