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Software · head to head

Bear vs Payoneer

Bear logo

Bear

Software

Markdown notes for Apple devices

From
On request
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Software

One account. Infinite opportunities.

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Bear built for Apple hardware only, with no Windows, Android or web client; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months

Where they differ

Only the attributes on which Bear and Payoneer actually diverge.

Attributes where Bear and Payoneer differ
AttributeBearPayoneer
Starting priceOn request$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android
FoundedUnknown2005

Identical on both: free tier (No), user rating (Not yet rated), category (Unknown).

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 Bear

Nothing recorded that Payoneer does not also cover.

Only in Payoneer

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

What people use each for

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

Bear

No use cases recorded yet. See the Bear review.

Payoneer

  • Receiving marketplace and platform payouts as a freelancer or sellernot Bear
  • Holding receiving accounts in several currenciesnot Bear
  • Paying suppliers and withdrawing to a local bank accountnot Bear

Where each one falls short

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

Bear

  • Built for Apple hardware only, with no Windows, Android or web client
  • Free tier is limited to 3 themes, 1 app icon and restricted export formats; iCloud sync requires Bear Pro
  • Bear Pro is $2.99 per month or $29.99 per year after a 7 day free trial

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

Bear

On request

No published plan breakdown. See the Bear review.

Payoneer

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

Which should you pick?

Choose Bear if

Nothing in the data separates Bear from Payoneer on the points above - pick on price and on how each one feels to use.

Bear 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 Bear or Payoneer better?
Neither clearly leads. Bear starts at On request and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bear or Payoneer?
Bear starts at On request and Payoneer at $29/month.
Does Bear or Payoneer run on more platforms?
Bear runs on Web. Payoneer runs on Web, Ios, Android.
What can Bear do that Payoneer cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.
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