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Accounting · head to head

ADP vs Payoneer

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Accounting

One account. Infinite opportunities.

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • They diverge on capability: ADP covers Payroll, Payoneer covers Receive payments.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which ADP and Payoneer actually diverge.

Attributes where ADP and Payoneer differ
AttributeADPPayoneer
Pricing modelsubscriptionusage-based
Founded19492005

Identical on both: starting price ($29/month), free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Payoneer
  • HR administration and employee recordsnot Payoneer
  • Time and attendance trackingnot Payoneer
  • Benefits administrationnot Payoneer
  • Talent management on the mid-market and enterprise productsnot Payoneer

Payoneer

  • Freelancer payment collection from Upwork, Fiverr, and global marketplacesnot ADP
  • Multi-currency account management with 70+ currencies supportednot ADP
  • International wire transfers to 190+ countries and territoriesnot ADP
  • Business contractor payments and global workforce managementnot ADP
  • Marketplace mass payouts for seller platforms and gig economynot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace connections

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer review

Questions people ask

Is ADP or Payoneer better?
Neither clearly leads. ADP starts at $29/month and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Payoneer?
ADP starts at $29/month and Payoneer at $29/month.
Does ADP or Payoneer run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Payoneer is typically brought in for.
What can ADP do that Payoneer cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts. Both handle Web support, Ios support, Android support.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
Payoneer: What are Payoneer's withdrawal fees?

Payoneer states its mission is to simplify international payments, but specific withdrawal fees are not published on the homepage. Fee details are accessed via the pricing section.

Source
ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
Payoneer: How much does Payoneer charge for currency conversion?

Payoneer manages multi-currency transactions but does not display conversion rates or fee percentages on the main website.

Source
Payoneer: Is there a monthly fee to keep a Payoneer account?

Payoneer does not list account maintenance fees on its homepage. Specific pricing for account types (freelancer, business, marketplace) requires accessing the pricing page.

Source
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