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Accounting · head to head

Fiken vs Payoneer

Fiken logo

Fiken

Accounting

Norwegian accounting software for sole proprietors and small companies

From
219/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: Fiken bank integration available only as add-on (69 NOK/month); Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Fiken and Payoneer actually diverge.

Attributes where Fiken and Payoneer differ
AttributeFikenPayoneer
Starting price219/month$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android
FoundedUnknown2005

Identical on both: free tier (No), 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 Fiken

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.

Fiken

  • Solo accounting and invoicing for small businessesnot Payoneer
  • Multi-user accounting collaboration at no extra costnot Payoneer
  • Invoice management with EHF e-invoice supportnot Payoneer
  • Bank integration for transaction trackingnot Payoneer

Payoneer

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

Where each one falls short

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

Fiken

  • Bank integration available only as add-on (69 NOK/month)
  • Project accounting requires separate add-on (69 NOK/month)
  • Payroll and employee features cost extra (69 NOK/month)
  • Physical mail invoicing costs 25 NOK per invoice

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

Fiken

219/month
  • Base Plan$219/month
    • Complete accounting functionality
    • Unlimited invoice sending via email and EHF
    • Unlimited user accounts

Payoneer

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

Which should you pick?

Choose Fiken if

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

Fiken 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 Fiken or Payoneer better?
Neither clearly leads. Fiken starts at 219/month and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fiken or Payoneer?
Fiken starts at 219/month and Payoneer at $29/month.
Does Fiken or Payoneer run on more platforms?
Fiken runs on Web. Payoneer runs on Web, Ios, Android.
What is Fiken best used for?
Fiken is most often used for solo accounting and invoicing for small businesses, multi-user accounting collaboration at no extra cost, invoice management with ehf e-invoice support, bank integration for transaction tracking. Of those, solo accounting and invoicing for small businesses and multi-user accounting collaboration at no extra cost are not what Payoneer is typically brought in for.
What can Fiken do that Payoneer cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.

Answered from the vendors’ own pages

Fiken: Is there a free trial for Fiken?

Yes, Fiken offers a 30-day free trial with no credit card required. After the trial, the base plan costs 219 NOK per month.

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
Fiken: Do additional users cost more on Fiken?

No, Fiken includes unlimited user accounts at no extra cost on the base plan.

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
Fiken: What add-ons are available and how much do they cost?

Monthly add-ons include bank integration, project accounting, KID number system, and API access (69-99 NOK each). Time tracking, payroll, and expense reimbursements also cost 69 NOK per month. Annual tax filing costs 1,290 NOK for sole proprietors or 1,590 NOK for limited companies.

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
Fiken: What are the per-transaction costs?

SMS invoicing costs 3 NOK, e-invoicing via Vipps costs 5 NOK, physical mail invoicing costs 25 NOK, and credit checks cost 15 NOK per transaction.

Source
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