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Accounting & Finance · head to head

Conta Azul vs Payoneer

Conta Azul logo

Conta Azul

Accounting & Finance

Brazilian ERP for micro and small businesses to manage finances and operations

From
On request
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Accounting & Finance

One account. Infinite opportunities.

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Conta Azul entry Essencial plan is restricted to businesses earning up to R$81K annually and only 1 user access, so it does not scale with the company; 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 Conta Azul and Payoneer actually diverge.

Attributes where Conta Azul and Payoneer differ
AttributeConta AzulPayoneer
Starting priceOn request$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android
FoundedUnknown2005

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

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 Conta Azul

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.

Conta Azul

No use cases recorded yet. See the Conta Azul review.

Payoneer

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

Where each one falls short

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

Conta Azul

  • Entry Essencial plan is restricted to businesses earning up to R$81K annually and only 1 user access, so it does not scale with the company
  • Plan eligibility is tied to annual revenue bands (up to R$81K, R$81K-R$360K, R$360K-R$1.5M, R$1.5M+), not just feature needs, so a fast-growing business must upgrade plans as revenue crosses thresholds

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

Conta Azul

On request

No published plan breakdown. See the Conta Azul review.

Payoneer

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

Which should you pick?

Choose Conta Azul if

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

Conta Azul 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 Conta Azul or Payoneer better?
Neither clearly leads. Conta Azul 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, Conta Azul or Payoneer?
Conta Azul starts at On request and Payoneer at $29/month.
Does Conta Azul or Payoneer run on more platforms?
Conta Azul runs on Web. Payoneer runs on Web, Ios, Android.
What can Conta Azul do that Payoneer cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.
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