Payoneer Alternatives in 2026: Working With Global Contractors

This article is published by 4dev.com, one of the products compared below. It is an editorial selection, not a complete review of the market: many providers operate in this space, and we include those that fit the scenario described below and publish enough information on their websites to be compared. Information about each provider comes from its public website, accessed between 1 November 2026 and 9 November 2026; prices and terms change. This article is for general information only. It is not legal, tax or financial advice and not a recommendation to choose any provider: verify all information directly with the provider before making a decision. This information is provided as is; we make no representations as to its completeness or accuracy. Third-party names and trademarks are the property of their respective owners. Research for this article was carried out with the help of AI tools and reviewed by our editors before publication. If you spot an error, write to support@4dev.com and we will review it.

This page covers eleven Payoneer alternatives: Payoneer competitors and companies like Payoneer that businesses use to work with freelancers and independent contractors in other countries. The providers other than 4dev.com are described on the same six points, taken from each provider's public website; 4dev.com, the publisher of this page, is one of the eleven and is described in its own terms. Payoneer, whose site is payoneer.com, has its own section first and is covered as the business account used to pay freelancers and contractors. Each description includes a summary of reviews from G2, Capterra and Trustpilot. The list is an editorial selection, not a ranking.

What is Payoneer?

Payoneer describes itself on its home page as “the financial platform that powers global business growth” [28]. The statements below are Payoneer's own, taken from payoneer.com and checked November 2026.

Payoneer says on its home page that businesses can manage payments across the globe, spend with corporate cards, access working capital and run multi-entity operations [28]. On its send-payments page Payoneer says businesses can “pay contractors globally in their preferred currency” and make single, batch or recurring payments [29]. This section covers Payoneer's business account and its payments to freelancers and contractors; Payoneer lists Workforce Management among its products on its home page, with its own description [28].

• Fees and FX: Payoneer lists on its pricing page a fee of up to 1% plus up to 4.00 USD or equivalent for sending a payment from a Payoneer balance to a recipient in a different country [30]. For withdrawing to a bank account it lists 1.2%–4%, depending on sender and recipient locations, payment method and currency corridor [30]. On its mass payouts platform Payoneer says users can get current rate quotes, lock FX rates for eligible periods and view applicable fees before confirmation [31].
• Payout speed: Payoneer says payees with Payoneer accounts typically receive funds within seconds, where applicable and as shown before confirmation [31][29]. For local bank transfers it says funds generally arrive within a few business days [31].
• Payout methods: Payoneer says that, where supported, recipients can receive funds to a Payoneer account, a local bank account or an eligible Payoneer card [31].
• Payout currencies: Payoneer says its mass payouts platform lets users collect in 30+ currencies, convert and pay out across 70+ currencies [31].
• Price for the company: Payoneer says on its pricing page that opening an account typically does not require a monthly subscription fee [30]. Payoneer also lists an annual account fee that applies only if the account receives less than 6,000 USD or equivalent in any 12 consecutive months [30]. Payoneer invites businesses that process over 50K USD monthly to get in touch to discuss pricing [30].
• Countries for contractors: Payoneer says its mass payouts platform supports disbursements across 190+ countries and territories [31], and its batch-payments page offers multi-currency batch payments across 190+ countries and territories [32].

What reviewers say

Ratings: G2 3.2 (374 reviews) · Capterra 4.2 (768 reviews) · Trustpilot 3 (63,464 reviews). Of the 286 most recent reviews we read (published March 2021 – October 2026), 18 come from companies, 139 from people who work through the service and 129 are unclear. 122 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 93 of 286 reviews (example, G2)
• Withdrawal options are convenient — 59 of 286 reviews (example, Capterra)
• Payouts arrive quickly — 53 of 286 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 96 of 286 reviews (example, Trustpilot)
• Verification issues or account holds — 66 of 286 reviews (example, Trustpilot)
• Fees or exchange rates are high or unclear — 63 of 286 reviews (example, G2)

Who this is for

This article is for companies that work with freelancers and independent contractors in several countries and want to compare fees, payout methods, currencies, countries and published prices side by side before choosing a Payoneer alternative.

If you hire employees rather than engage contractors, see our guide to Employer of Record (EOR) services.

Key takeaways

The eleven providers state their prices in four different units: per contractor per month, a percentage service fee, a monthly price, and a set-up fee with a per-transfer fee.

• Price units differ. For example, Deel, G-P, Multiplier, Oyster, Papaya Global, RemoFirst and Remote state a price per contractor per month [10][12][19][22][27][35][39]. 4dev.com publishes a percentage service fee [1]. Rippling and Tipalti state a monthly price [45][50]. Wise Business lists one set-up fee of 31 USD and a sending fee from 0.23% [53].
• Currency conversion works differently by provider and setup. Oyster describes it by case [21], Remote by invoice currency [38], and Tipalti lets the payer decide who bears transaction fees [49]. For example, G-P (in a 2023 press release), Multiplier, Papaya Global and Wise Business state that they apply mid-market rates [14][17][25][52].
• Countries and currencies are stated in different ranges. For example, 150+ countries at Deel, Multiplier and RemoFirst [11][15][33], 185+ at Rippling [42] and 70+ for payouts in local currency at Wise Business [54]; 40+ currencies at Wise Business [56], 50+ at Rippling [45] and 130+ at Papaya Global [25].
• Payout timing is stated in different units. For example, Multiplier and Papaya Global state same-day processing [16][25], Oyster, Rippling and RemoFirst give days [23][43][33], and Wise Business gives shares of payments within an hour [54]. The demo section lists what to ask.
• Some table cells read “No information found.” That is the case for fees and FX at Rippling and for payout methods at RemoFirst: the point was not on the public pages we checked.

How we put this together

This article is not a ranking: providers are listed in alphabetical order, and none receives a score or a place. 4dev.com, which starts with a digit, comes first.

The eleven providers were chosen because each serves work with contractors across borders, and the providers other than 4dev.com publish enough on their public pages to be described on the same points. Payoneer is described separately because the article is about alternatives to it.

4dev.com's card describes the platform in its own terms. In its table row, the cells for payout speed, payout methods and payout currencies read “Ask the 4dev.com team”, because those points are discussed directly with the team.

The table covers every provider on six points, and the cards of the ten other providers follow them where the provider states the point:

• fees and FX for the contractor
• payout speed
• payout methods
• payout currencies
• price for the company
• countries for contractors

Where a provider states no figure for a point, as with fees and FX at Rippling and payout methods at RemoFirst, its card skips that point. Integrations, APIs, support quality and compliance are not covered.

The facts come from each provider's public website (product, pricing and help-center pages), accessed between 1 and 9 November 2026. For G-P, the fee, speed, method and currency statements taken from its 2023 press release are labelled as such. “No information found” means we did not find the point on the public pages we checked. Where a provider's own pages give different figures (G-P, Papaya Global, Remote, Deel and Wise Business), the table shows the more conservative figure with the others in parentheses, and the card gives each figure with its page.

The review summaries use the most recent reviews on G2, Capterra and Trustpilot as of 27 October 2026 (4dev.com on G2: 8 November 2026), up to 100 per platform [57][58][59][60][61][62][63][64][65][66][67][68]. Every review is sorted into the same fixed themes. Each description shows the three themes mentioned most often in praise and the three mentioned most often in criticism, with review counts. They reflect what reviewers wrote, not our view, and the table shows reviews only as ratings.

Research for this article used AI tools, and our editors reviewed it before publication.

Quick comparison of Payoneer alternatives

The table sets the eleven providers side by side on six points, with review ratings last.

Data as stated on each provider's public website, checked 1–9 November 2026; review ratings as of 27 October 2026 (4dev.com on G2: 8 November 2026).

Provider	Fees and FX for the contractor	Payout speed	Payout methods	Payout currencies	Price (as stated on the provider's website, checked November 2026)	Countries for contractors	Review ratings
4dev.com	No contractor-side service fees	Ask the 4dev.com team	Ask the 4dev.com team	Ask the 4dev.com team	Service fee of 3% or less, depending on monthly volume; charged only for completed contractor workflows; no subscription	150+	G2 5.0 (3) · Trustpilot 4.1 (56); no reviews on Capterra
Deel	Varies by withdrawal method: no cost for local bank transfer; no withdrawal fee for Wise, though separate transaction and exchange fees may apply; Instant Card Transfer outside the US 2%, capped at $15	By withdrawal method, from instant to 5–7 business days	10+ withdrawal methods incl. instant card transfer, local bank transfer, SWIFT, e-wallets and the Deel Card (15+ payout options on the contractor page)	120+	From $49 per contractor per month; Contractor of Record from $325 per contractor of record per month	150+ (200+ countries and jurisdictions on the contractor page)	G2 4.7 (7,396) · Capterra 4.85 (4,319) · Trustpilot 4.6 (9,731)
G-P	States no hidden transaction fees; mid-market rate shown in payment summaries (2023 press release)	Says payouts are instant; over 50% of Wise-powered payments instant (2023)	Bank transfer, virtual cards, wallets, ACH, wire (2023)	50+ (130+ on product and pricing pages)	From USD 39 per contractor per month; the fee applies when an invoice is paid	180+ (190+ on product and pricing pages)	G2 4.4 · Capterra 4.51 (65) · Trustpilot 4.3 (148)
Multiplier	No hidden fees stated; payment breakdowns per contractor shown upfront; prevailing mid-market rate with no markup (FAQ)	Same-day contractor payment processing	Bank transfer, PayPal and Payoneer among the options	120+	$40 per contractor per month, billed annually; Contractor of Record $400 per contractor per month, billed annually, with compliance-mandated add-ons and an implementation fee as applicable	150+	G2 4.7 · Capterra 4.42 (45) · Trustpilot 4.8 (2,868)
Oyster	No fee for receiving or sending payment when no FX is needed; a conversion fee applies only if you pay Oyster in a currency different from the contract currency	1–2 days on local rails; about 4 days on average (up to 7) on international rails	Payout to the bank account the contractor adds	120+	USD 29 per contractor per month after 30 free days	180+	G2 4.4 (1,624) · Capterra 4.57 (91) · Trustpilot 3.8 (272)
Papaya Global	Mid-market rates; “no platform fees, no contractor fees, no wallet fees” on the pay-only-when-you-pay option; states it matches any competitive FX quote	95% of payments processed the same day	Bank accounts, card and wallets	130+	Contractor solution from $5 per contractor per month; OnePay $0 platform fees	160+ (180+ on the contractor-management page)	G2 4.69 (55) · Capterra 4.5 (44) · Trustpilot 4.2 (58)
RemoFirst	Competitive FX rates and a transaction-cost estimator, as stated	Most payments 1–3 business days, depending on country and payout method	No information found	110+	Free to manage contractors; $25 per contractor per month to process payments; no minimums	150+	G2 4.5 · Capterra 3.4 (5) · Trustpilot 4 (101)
Remote	No extra fee on same-currency payouts via local networks; SWIFT partners may deduct $5–$15; who bears FX depends on the invoice currency	Most within 2 days of Remote receiving the invoice payment; 1–3 business days after funds are received (help center)	Bank account and digital wallet among its options	70+ (73 on the product page)	Contractor Management from $29 per active contractor per month; 3.5% credit card service fee	180+ (190+ on the pricing page)	G2 4.5 (5,450) · Capterra 4.34 (102) · Trustpilot 4.6 (3,542)
Rippling	No information found	Typically 2–4 days after pay runs are approved for funds to reach a contractor’s balance	Bank transfer, Wise, Revolut, debit cards	50+	Global Contractors from $30 per month; custom quote for other services	185+	G2 4.7 (14,754) · Capterra 4.86 (4,886) · Trustpilot 4.6 (2,635)
Tipalti	The payer decides whether the payer or the payee bears transaction fees; FX at “highly competitive” rates; fees vary by payment method and destination	Processed the same banking business day before the cutoff; US wires PD+1, ACH PD+1/PD+2 (PD = processing date)	50+ methods incl. ACH, local bank transfers, card, wire transfer and PayPal	120+ local currencies	Mass payments plans from $249 per month, plus transaction pricing	200+ countries and territories, for payees in general	G2 4.5 (427) · Capterra 4.53 (179) · Trustpilot 2.7 (102)
Wise Business	Mid-market rate, “no hidden fees or exchange rate markups”; recipients of bank payouts pay no recipient fees; sending fee from 0.23%, varying by currency	More than 50% within one hour, the rest within one business day (payouts page); Wise gives other shares on other pages	Bank account	40+ (over 50 and 51 on other pages)	One set-up fee of 31 USD; sending fee from 0.23%; volume discount above 25,000 USD	70+ (98 and 160+ on other pages)	G2 3.8 (97) · Capterra 3.66 (91) · Trustpilot 4.3 (303,807)

Payoneer alternatives in 2026

One card per provider, in alphabetical order; the order says nothing about quality (see “How we put this together”).

4dev.com

4dev.com presents “Onboard and administer contractors in 150+ countries” on its home page [3] and “One B2B agreement” on its global-compliance page [5].

• Agreement: 4dev.com publishes that you work with contractors under one B2B agreement [5].
• Verification: 4dev.com publishes built-in KYB/KYC checks [1]. It presents that the platform checks contractors' documents and statuses during onboarding and that each contractor completes onboarding themselves [3].
• Documents and records: 4dev.com presents tasks, statuses, contracts and closing documents in one place, with the full history available to your team, accounting, an auditor or an investor [6].
• For contractors: 4dev.com publishes “no contractor-side service fees” on its pricing page [1] and “no contractor-side platform fee” on its contractors page [2].
• Price for the company: 4dev.com publishes a service fee of 3% or less, depending on monthly volume [1]. On its pricing page it publishes: “Pay only for completed contractor workflows. No subscriptions, no hidden charges. The higher your monthly volume, the lower your rate.” [1] It adds that service fees apply only when contractor-related operations are completed through the platform, and that you don't pay just for having an account [1].
• Countries for contractors: 4dev.com publishes 150+ countries [2][3] and a full list of countries [4].

What reviewers say

Ratings: G2 5.0 (3 reviews) · Trustpilot 4.1 (56 reviews); no reviews on Capterra. Of the 59 most recent reviews we read (published October 2024 – October 2026), 16 come from companies, 28 from people who work through the service and 15 are unclear.

Most frequent praise:

• Support is responsive and helpful — 27 of 59 reviews (example, Trustpilot)
• Payouts arrive quickly — 18 of 59 reviews (example, G2)
• The platform is easy to use — 16 of 59 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 7 of 59 reviews (example, Trustpilot)
• The platform is hard to use or missing features — 6 of 59 reviews (example, G2)
• Verification issues or account holds — 6 of 59 reviews (example, Trustpilot)

It may suit you if…

• You want a service fee tied to completed contractor workflows with no subscription: 4dev.com publishes a fee of 3% or less that falls as monthly volume rises [1]. For example, G-P and Papaya Global also describe fees tied to payments [12][26], RemoFirst charges $25 per contractor per month only to process payments [35], and Wise Business lists one set-up fee and a sending fee from 0.23% [53].
• You want a platform that states no service fee on the contractor's side [1][2]. Other providers state a no-fee case for some setups, for example Deel for its local bank method, with no cost to the contractor [8], Oyster when no conversion is needed [21], Papaya Global for its pay-only-when-you-pay option [26], Remote for local-network settlement without a conversion [37], and Wise Business for recipients paid to a bank account [52].
• You want one agreement and one place for tasks, statuses, contracts and closing documents [5][6].

When 4dev.com is not the right fit

4dev.com publishes that the platform is built for B2B contractor relationships, not traditional employment workflows [5]. If you hire employees, look at Employer of Record providers instead.

Deel

Deel states on its contractor page that you can onboard and manage contractors in 200+ countries and jurisdictions [7].

• Fees and FX: Deel states that fees vary by withdrawal method [8]. Local bank transfer carries no cost to the contractor [8]. Deel states it charges no withdrawal fee for Wise, though separate transaction and exchange fees may apply [8]. For Instant Card Transfer outside the US, its withdrawal-options guide gives a 2% fee, capped at $15, with a minimum withdrawal amount of $5 [8]. Its guide on how to pay contractors gives 2.5% (minimum $0.25) for the same method [9].
• Payout speed: Deel lists a withdrawal ETA for each method: instant, up to 1 business day, 1–5 business days and 5–7 business days [8].
• Payout methods: Deel states 10+ withdrawal methods, including instant card transfer, local bank transfer, SWIFT, major e-wallets and the Deel Card [8].
• Payout currencies: Deel states payments in 120+ currencies [10].
• Price for the company: Deel lists plans from $49 per contractor per month and Contractor of Record from $325 per contractor of record per month [10].
• Countries for contractors: Deel states 150+ countries [11] and, on its contractor page, 200+ countries and jurisdictions [7].

What reviewers say

Ratings: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews). Of the 300 most recent reviews we read (published February 2026 – October 2026), 37 come from companies, 177 from people who work through the service and 86 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 170 of 300 reviews (example, G2)
• Setup and onboarding are quick — 67 of 300 reviews (example, G2)
• Payouts arrive quickly — 59 of 300 reviews (example, G2)

Most frequent complaints:

• Fees or exchange rates are high or unclear — 34 of 300 reviews (example, G2)
• Support is slow or hard to reach — 24 of 300 reviews (example, G2)
• The platform is hard to use or missing features — 17 of 300 reviews (example, G2)

It may suit you if…

• You want payout timing stated for each withdrawal method, from instant to 5–7 business days, with 10+ methods listed [8].
• You want published prices for two products: from $49 per contractor per month, and Contractor of Record from $325 [10].

G-P

G-P states on its pricing page that you can engage contractors in 190+ countries [12]. Facts from its 2023 press release on the integration with Wise are labelled as such.

• Fees and FX: The 2023 press release says “there are no hidden transaction fees” and describes payment summaries that show the fees companies pay and the mid-market exchange rate applied [14].
• Payout speed: G-P states on its contractor page that its payments infrastructure gives “instant payouts” in 190+ countries [13]. The press release says more than 50% of payments powered by Wise are instant [14].
• Payout methods: The press release lists bank transfer, virtual cards, wallets, ACH, wire and international wire [14].
• Payout currencies: G-P states 130+ currencies on its contractor and pricing pages [13][12], and 50+ in the press release [14].
• Price for the company: G-P lists from USD 39 per contractor per month and says you pay this fee only when you pay an invoice [12].
• Countries for contractors: G-P states 190+ countries on its pricing and contractor pages [12][13] and 180+ in the press release [14].

What reviewers say

Ratings: G2 4.4 · Capterra 4.51 (65 reviews) · Trustpilot 4.3 (148 reviews). Of the 265 most recent reviews we read (published December 2023 – October 2026), 145 come from companies, 80 from people who work through the service and 40 are unclear. 159 of 165 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 158 of 265 reviews (example, G2)
• The platform is easy to use — 104 of 265 reviews (example, G2)
• Setup and onboarding are quick — 53 of 265 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 41 of 265 reviews (example, G2)
• The platform is hard to use or missing features — 28 of 265 reviews (example, G2)
• Errors in payments, invoices or the platform — 20 of 265 reviews (example, G2)

It may suit you if…

• You want a price that applies only when you pay an invoice: from USD 39 per contractor per month [12].
• You want a list of payout methods: bank transfer, virtual cards, wallets, ACH and wire, as in the 2023 press release [14].

Multiplier

Multiplier states on its Contractor of Record page that it delivers compliance, payments and contractor management in 150+ countries [15].

• Fees and FX: Multiplier says on its invoicing page that you pay foreign contractors with no delays or hidden fees and can view payment breakdowns for each contractor upfront [16]. In its FAQ, Multiplier says it uses the prevailing mid-market exchange rate without adding a markup [17].
• Payout speed: Multiplier states same-day contractor payment processing [16].
• Payout methods: Multiplier lists bank transfer, PayPal and Payoneer among the options [18].
• Payout currencies: Multiplier states payouts in over 120 currencies [16].
• Price for the company: Multiplier lists $40 per contractor per month, billed annually [19]. Its Contractor of Record plan costs $400 per contractor per month, billed annually, with compliance-mandated add-ons and an implementation fee as applicable [19].
• Countries for contractors: Multiplier states 150+ countries [15].

What reviewers say

Ratings: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews). Of the 245 most recent reviews we read (published November 2021 – October 2026), 121 come from companies, 54 from people who work through the service and 70 are unclear. 140 of 145 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 177 of 245 reviews (example, G2)
• The platform is easy to use — 72 of 245 reviews (example, G2)
• Setup and onboarding are quick — 49 of 245 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 21 of 245 reviews (example, G2)
• Errors in payments, invoices or the platform — 17 of 245 reviews (example, G2)
• Pricing is high for companies — 7 of 245 reviews (example, Trustpilot)

It may suit you if…

• You want a stated mid-market rate with no markup, per its FAQ [17], and payment breakdowns upfront [16].
• You want same-day payment processing and 120+ currencies [16].

Oyster

Oyster describes its contractor product as “a fully self-serve platform to hire, pay, and manage contractors in 180+ countries” [20].

• Fees and FX: In its help center, Oyster describes three cases for a company that pays in EUR and a contractor in Brazil [21]. When no foreign exchange is required, Oyster charges no fee for receiving or sending payment [21]. When the agreement is in EUR and the contractor is paid in Brazilian real, the contractor bears the FX fluctuations every month [21]. When the agreement is in the contractor's local currency, the employer takes on the foreign exchange risk [21]. On its pricing page, Oyster says its conversion fee applies only if you pay in a currency different from the contract currency [22].
• Payout speed: Oyster says funds take 1–2 days to be available to contractors when the payout currency is considered local, and about 4 days on average and up to 7 in certain cases when it is considered foreign [23].
• Payout methods: Oyster states that the contractor is paid in the currency of the bank account the contractor adds when creating an Oyster account [21].
• Payout currencies: Oyster states 120+ currencies [22].
• Price for the company: Oyster lists a free first 30 days, then USD 29 per contractor per month [22].
• Countries for contractors: Oyster states 180+ countries [20].

What reviewers say

Ratings: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews). Of the 291 most recent reviews we read (published March 2022 – October 2026), 70 come from companies, 206 from people who work through the service and 15 are unclear. 123 of 191 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 160 of 291 reviews (example, G2)
• Support is responsive and helpful — 129 of 291 reviews (example, G2)
• Setup and onboarding are quick — 64 of 291 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 291 reviews (example, G2)
• Payouts are delayed — 14 of 291 reviews (example, G2)
• Pricing is high for companies — 9 of 291 reviews (example, G2)

It may suit you if…

• You want a single stated price with a free first 30 days: USD 29 per contractor per month [22].
• You want payout timing stated for local and international rails: 1–2 days and about 4 days on average [23].

Papaya Global

Papaya Global says on its home page that you can manage your contractor workforce across countries with one platform for onboarding, compliance, contracts and global payments [24].

• Fees and FX: Papaya Global says its platform uses mid-market rates for currency conversion [25]. On its contractor-management page it offers to “pay only when you pay” with no platform fees, no contractor fees and no wallet fees [26], and says it will match any competitive FX quote with no hidden markup [26].
• Payout speed: Papaya Global says its platform processes 95% of payments on the same day through local payment routes [25].
• Payout methods: Papaya Global lists payments to bank accounts, card and wallets [25].
• Payout currencies: Papaya Global states 130+ currencies [25].
• Price for the company: Papaya Global lists its Contractor solution from $5 per contractor per month [27]. For OnePay it lists $0 platform fees and no platform or contractor fees [27].
• Countries for contractors: Papaya Global states 180+ countries on its contractor-management page [26] and 160+ for global payments on its pricing page [27].

What reviewers say

Ratings: G2 4.69 (55 reviews) · Capterra 4.5 (44 reviews) · Trustpilot 4.2 (58 reviews). Of the 157 most recent reviews we read (published April 2019 – October 2026), 110 come from companies, 35 from people who work through the service and 12 are unclear. 52 of 99 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 72 of 157 reviews (example, Capterra)
• The platform is easy to use — 63 of 157 reviews (example, Capterra)
• Payouts arrive quickly — 26 of 157 reviews (example, Trustpilot)

Most frequent complaints:

• Support is slow or hard to reach — 22 of 157 reviews (example, Capterra)
• Problems with contracts, invoices or compliance documents — 19 of 157 reviews (example, Trustpilot)
• Errors in payments, invoices or the platform — 17 of 157 reviews (example, G2)

It may suit you if…

• You want mid-market rates and a stated match of competitive FX quotes [25][26].
• You want a low published entry price: the Contractor solution from $5 per contractor per month, or OnePay with $0 platform fees [27].

RemoFirst

RemoFirst states that you can onboard and pay contractors in 150+ countries [33].

• Fees and FX: RemoFirst says it offers competitive FX rates and a transparent pricing structure, and that you can estimate total transaction costs, including service fees [33].
• Payout speed: RemoFirst says most payments are delivered in 1–3 business days, depending on the country and payout method [33].
• Payout currencies: RemoFirst states 110+ currencies [33].
• Price for the company: RemoFirst lists free management of contractors and $25 per contractor per month to process payments, with no minimums [35].
• Countries for contractors: RemoFirst states 150+ countries [33].

What reviewers say

Ratings: G2 4.5 · Capterra 3.4 (5 reviews) · Trustpilot 4 (101 reviews). Of the 205 most recent reviews we read (published February 2021 – October 2026), 82 come from companies, 114 from people who work through the service and 9 are unclear. 100 of 105 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 113 of 205 reviews (example, G2)
• The platform is easy to use — 86 of 205 reviews (example, G2)
• Setup and onboarding are quick — 73 of 205 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 28 of 205 reviews (example, Trustpilot)
• Errors in payments, invoices or the platform — 11 of 205 reviews (example, Capterra)
• Payouts are delayed — 9 of 205 reviews (example, Trustpilot)

It may suit you if…

• You want to manage contractors for free and pay $25 per contractor per month only to process payments, with no minimums [35].
• You want payout timing stated in business days, 1–3 by country and method [33].

Remote

Remote states on its pricing page that you can onboard and pay contractors in 190+ countries [36].

• Fees and FX: Remote states it charges no additional fee for same-currency payments through local payment networks [37]. For SWIFT payments, it says its payment partners may deduct $5–$15, depending on the bank [37]. Who bears currency conversion depends on the invoice currency. When the contractor invoices in their own currency, the customer bears the FX costs [38], and Remote states “No FX risk for contractors” for that case [38]. Remote says this applies in most cases, with exceptions: it is not available when funds go into the contractor's Stripe Connect account, nor for COP, JPY, UGX and BRL [38]. When the invoice is in the customer's billing currency, the contractor bears the FX costs [38].
• Payout speed: Remote says most payments arrive at the contractor's bank account within 2 days of Remote receiving the invoice payment [37]. In its help center, Remote gives 1–3 business days after funds are received, depending on the contractor's bank location and currency [40].
• Payout methods: Remote says contractors can trigger a payout to their bank account [41], and lists a digital wallet among its payout options [39].
• Payout currencies: Remote states 70+ currencies on its pricing page [36] and 73 on its contractor-management page [39].
• Price for the company: Remote lists Contractor Management from $29 per active contractor per month, with no hidden fees beyond a 3.5% credit card service fee [39]. It states there are no setup or onboarding fees, and that it charges no standard deposit or deposit fee [36].
• Countries for contractors: Remote states 190+ countries on its pricing page [36] and 180+ on its payout explorer page [37].

What reviewers say

Ratings: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews). Of the 300 most recent reviews we read (published February 2021 – October 2026), 96 come from companies, 119 from people who work through the service and 85 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 171 of 300 reviews (example, G2)
• The platform is easy to use — 136 of 300 reviews (example, G2)
• Setup and onboarding are quick — 64 of 300 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 300 reviews (example, G2)
• Pricing is high for companies — 18 of 300 reviews (example, G2)
• Setup or onboarding is slow — 16 of 300 reviews (example, G2)

It may suit you if…

• You want FX handling stated by invoice currency, with the case and its exceptions named [38].
• You want a price with no setup fee and no standard deposit: Contractor Management from $29 per active contractor per month [39][36].

Rippling

Rippling states on its Global Contractors page that you can onboard contractors in 185+ countries [42]. The card follows the points Rippling states.

• Payout speed: Rippling says that after pay runs are approved, it typically takes 2–4 days for funds to arrive in a contractor's balance, depending on the bank that funds contractor payroll [43]. It lists instant transfer among its send options [44].
• Payout methods: Rippling lists bank transfer, Wise, Revolut, debit cards and more [45].
• Payout currencies: Rippling states payments in 50+ currencies [45].
• Price for the company: Rippling lists Global Contractors from $30 per month [45] and offers a custom quote for other services [46].
• Countries for contractors: Rippling states 185+ countries [42].

What reviewers say

Ratings: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews). Of the 300 most recent reviews we read (published November 2024 – October 2026), 102 come from companies, 109 from people who work through the service and 89 are unclear. 186 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 194 of 300 reviews (example, G2)
• Setup and onboarding are quick — 40 of 300 reviews (example, G2)
• Support is responsive and helpful — 26 of 300 reviews (example, Trustpilot)

Most frequent complaints:

• The platform is hard to use or missing features — 32 of 300 reviews (example, G2)
• Pricing is high for companies — 23 of 300 reviews (example, G2)
• Support is slow or hard to reach — 18 of 300 reviews (example, G2)

It may suit you if…

• You want payout timing stated as 2–4 days after pay-run approval [43] and four named methods [45].
• You want a published entry price for Global Contractors: from $30 per month [45].

Tipalti

Tipalti says its global payout platform reaches 200+ countries and territories for cross-border payments [47], and its global-payments page names contractors and freelancers among the payees it serves [48].

• Fees and FX: Tipalti says the payer decides whether and how much the payer or the payee pays for transactions [49]. It offers FX conversion payouts at “highly competitive exchange rates” [47] and says fees vary by payment method and destination [50].
• Payout speed: Tipalti says it processes payments the same banking business day when they are submitted before the cutoff time [51]. US wires are PD+1, with PD meaning the processing date, and ACH is PD+1 or PD+2 [51].
• Payout methods: Tipalti states 50+ payment methods, including ACH, local bank transfers, global ACH, card, wire transfer and PayPal [48].
• Payout currencies: Tipalti states payments in 120+ local currencies [48].
• Price for the company: Tipalti lists Mass Payments plans from $249 per month, plus transaction pricing for payments [50].
• Countries for contractors: Tipalti states 200+ countries and territories for payees in general [47].

What reviewers say

Ratings: G2 4.5 (427 reviews) · Capterra 4.53 (179 reviews) · Trustpilot 2.7 (102 reviews). Of the 300 most recent reviews we read (published May 2021 – October 2026), 216 come from companies, 57 from people who work through the service and 27 are unclear. 187 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 123 of 300 reviews (example, G2)
• Support is responsive and helpful — 66 of 300 reviews (example, G2)
• Payments and invoices run without errors — 37 of 300 reviews (example, G2)

Most frequent complaints:

• The platform is hard to use or missing features — 55 of 300 reviews (example, Trustpilot)
• Errors in payments, invoices or the platform — 39 of 300 reviews (example, Trustpilot)
• Support is slow or hard to reach — 38 of 300 reviews (example, G2)

It may suit you if…

• You want to decide who bears the transaction fees, payer or payee [49].
• You want a published plan price with a stated unit: from $249 per month plus transaction pricing [50].

Wise Business

• Fees and FX: Wise says it uses the mid-market exchange rate, which means “no hidden fees or exchange rate markups” [52]. On its batch-payments page it says recipients get paid in their home currency to their bank account, so they pay no recipient fees and need no Wise account [52]. On its pricing page Wise lists sending fees from 0.23%, varying by currency [53].
• Payout speed: On its payouts page, Wise says more than 50% of payments arrive within one hour and the rest within one business day [54]. On its send-payments page it says 77% of transfers arrive in seconds and 96% within a day [55]. On its UK ways-to-pay page it says over 59% of payments arrive in less than 20 seconds and over 95% within an hour [56]. Wise adds that speed depends on individual circumstances [54][56].
• Payout methods: Wise says on its payouts page that it does payouts directly to bank accounts [54].
• Payout currencies: On its UK ways-to-pay page Wise says you can speed up international payments in 40+ currencies [56]. On its payouts page it says you can hold over 50 currencies [54], and on its send-payments page it says you can hold and convert 51 currencies [55].
• Price for the company: Wise lists one set-up fee of 31 USD for every Wise Business feature [53], a sending fee from 0.23% [53] and a volume discount if you spend over 25,000 USD or equivalent [53].
• Countries for contractors: Wise says on its payouts page that you can make payouts to 70+ countries in local currency [54]. On its UK ways-to-pay page Wise says you can send money to 98 countries [56], and on its send-payments page it says you can pay teams and suppliers in 160+ countries [55].

What reviewers say

Ratings: G2 3.8 (97 reviews) · Capterra 3.66 (91 reviews) · Trustpilot 4.3 (303,807 reviews). Of the 288 most recent reviews we read (published February 2019 – October 2026), 74 come from companies, 21 from people who work through the service and 193 are unclear. 146 of 188 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 139 of 288 reviews (example, Trustpilot)
• Fees and exchange rates are fair or clear — 131 of 288 reviews (example, Trustpilot)
• Payouts arrive quickly — 114 of 288 reviews (example, Trustpilot)

Most frequent complaints:

• Support is slow or hard to reach — 49 of 288 reviews (example, Trustpilot)
• Verification issues or account holds — 41 of 288 reviews (example, Trustpilot)
• Fees or exchange rates are high or unclear — 34 of 288 reviews (example, Trustpilot)

It may suit you if…

• You want a stated mid-market rate with no markup and a sending fee from 0.23% [52][53].
• You want one set-up fee for the whole Business account, with a volume discount above 25,000 USD [53].

Payoneer alternatives by use case

The statements below are grouped by the question a team starts from.

Teams engaging contractors in many countries

A studio, or any other team that builds around contractors in several countries, starts from the country counts each provider states. The table gives each provider's figure, with the other in parentheses where its own pages differ.

Cross-border contractor payments

Payout timing is stated in different units: hours, days, banking days and shares of payments. The payout speed column of the table gives each provider's statement, and the demo section lists what to ask.

Batch and mass payouts

For example, Tipalti lists Mass Payments plans from $249 per month plus transaction pricing [50], and Wise Business says on its batch-payments page that recipients are paid to their bank account and pay no recipient fees [52].

Invoice handling for contractors

4dev.com presents tasks, statuses, contracts and closing documents in one place [6]. RemoFirst states you can pay contractors in local currencies using the same invoice [34], and Papaya Global states automated invoice-to-pay in 130+ currencies [27]. Other statements are in the cards.

Contractor of Record plans

Some providers list a Contractor of Record plan with its own price, for example:

• Deel lists Contractor of Record from $325 per contractor of record per month [10].
• Multiplier lists $400 per contractor per month, billed annually, plus compliance-mandated add-ons [19].
• Papaya Global lists a plan from $199 per contractor per month [27].
• Remote lists Contractor of Record from $325 per contractor per month, with Remote contracting with and paying the contractor directly, next to Contractor Management Plus from $99 [36].

The plans are not the same product: ask what each covers.

How to choose a Payoneer alternative

There is no single best Payoneer alternative: the choice depends on your workforce model, your contractors' countries, the price unit you prefer and the payout terms you need.

1. Name your workforce model: contractors, employees or both. If you hire employees, use the Employer of Record guide linked above.
2. Check which product you would buy. Several providers list payment-only pricing and Contractor of Record plans separately (see the Contractor of Record plans list above).
3. Ask who signs the agreement with the contractor.
4. Look at the documents and records you get.
5. Model the cost on your real monthly volume, because price units differ (see Key takeaways).
6. Involve finance, legal and operations before you sign.

What to verify on a demo

Put these seven questions to the sales team of any Payoneer alternative you consider and get the answers in writing.

1. Who signs the agreement with the contractor: you, the provider as Contractor of Record, or the contractor's own entity? Deel [10], Multiplier [19], Papaya Global [27] and Remote [36] each list a Contractor of Record plan with its own price.
2. What is the all-in cost per contractor per month: base price, card surcharge, FX, withdrawal fees and add-ons? For example, Remote lists a 3.5% credit card service fee [39], and Multiplier lists add-ons and an implementation fee on its Contractor of Record plan [19].
3. How many business days pass from your payment to funds in the contractor's account, by country and payout method? Remote says most payments arrive within 2 days of it receiving the invoice payment [37].
4. What KYC or KYB does the contractor or the company go through, and how long does it take? For example, 4dev.com publishes built-in KYB/KYC checks [1].
5. Is there a deposit or prepayment? Remote says it does not charge a standard deposit [36]. Papaya Global lists “No deposit required” in its Contractor of Record plan [27].
6. How does ending an engagement work, and are there fees to end it?
7. Which countries and currencies does the provider support for your actual contractors, and which page is the source? G-P gives 180+ in a 2023 press release and 190+ on its contractor page [14][13], and Wise Business gives 70+, 98 and 160+ on different pages [54][56][55].

FAQ about Payoneer alternatives

What is the difference between Payoneer and Payoneer Workforce Management?

Payoneer lists Workforce Management among its products on its home page, described as “Onboard, pay, and manage employees and contractors, across 160+ countries” [28]. This article covers the business account and its payments to freelancers and contractors, so check which Payoneer product you use before you choose a Payoneer alternative.

What is the difference between an Employer of Record (EOR) and a Contractor of Record (COR)?

An Employer of Record legally employs staff on your behalf in a country where you have no entity. A Contractor of Record is a model for engaging independent contractors in which the provider takes on a contracting role, which may reduce misclassification risk. Our guide to Agent of Record versus Employer of Record explains a related term.

What is the difference between a freelancer, an independent contractor and an employee?

Freelancers and independent contractors work under a service or B2B agreement rather than an employment contract. The terms depend on the country, and classification follows local law. Employees are hired through an employer or through an EOR. For a longer explanation, read our article on freelancers, the self-employed and independent contractors.

How much do Payoneer alternatives cost?

Each provider states its price in its own unit: per contractor per month, a percentage service fee, a monthly price, or a set-up fee with a per-transfer fee. The table lists every price as the provider states it on its website, checked November 2026.

Who pays the withdrawal and currency conversion costs?

Oyster describes it by case [21], Remote by invoice currency [38], and Tipalti states that the payer decides [49].

How many countries and currencies do these providers cover?

Providers state country and currency figures in different ranges; the table shows the more conservative figure with the others in parentheses. Check each provider's country list for your actual contractors' countries; 4dev.com publishes a full list of countries [4].

Sources

Provider pages as accessed on the dates shown. Competitor addresses are given as plain text.

4dev.com

• [1] 4dev.com, pricing — https://4dev.com/pricing/ — accessed 1 November 2026
• [2] 4dev.com, contractors — https://4dev.com/contractors/ — accessed 1 November 2026
• [3] 4dev.com, home page — https://4dev.com/ — accessed 1 November 2026
• [4] 4dev.com, countries — https://4dev.com/countries/ — accessed 1 November 2026
• [5] 4dev.com, global compliance — https://4dev.com/global-compliance/ — accessed 1 November 2026
• [6] 4dev.com, for CFOs — https://4dev.com/cfo/ — accessed 1 November 2026

Deel

• [7] Deel, contractor payroll solution — https://www.deel.com/solutions/payroll/contractors/ — accessed 1 November 2026
• [8] Deel, contractor payment withdrawal options — https://www.deel.com/blog/contractor-payment-withdrawal-options-on-deel/ — accessed 1 November 2026
• [9] Deel, how to pay contractors with Deel — https://www.deel.com/blog/how-to-pay-contractors-with-deel/ — accessed 1 November 2026
• [10] Deel, pricing — https://www.deel.com/pricing/ — accessed 1 November 2026
• [11] Deel, how to pay foreign independent contractors — https://www.deel.com/blog/how-to-pay-foreign-independent-contractors/ — accessed 1 November 2026

G-P

• [12] G-P, pricing — https://www.g-p.com/pricing — accessed 2 November 2026
• [13] G-P, G-P Contractor — https://www.g-p.com/g-p-contractor/ — accessed 2 November 2026
• [14] G-P, press release on the integration with Wise (22 February 2023) — https://www.globalization-partners.com/news/wise-and-g-p-launch-integration/ — accessed 2 November 2026

Multiplier

• [15] Multiplier, contractor of record — https://www.usemultiplier.com/product/contractor-of-record — accessed 1 November 2026
• [16] Multiplier, contractor invoicing and payments — https://usemultiplier.com/solutions/contractor-invoicing-and-payments — accessed 2 November 2026
• [17] Multiplier, FAQ — https://www.usemultiplier.com/faq — accessed 2 November 2026
• [18] Multiplier, contractor management system — https://www.usemultiplier.com/product/contractor-management-system — accessed 2 November 2026
• [19] Multiplier, pricing — https://www.usemultiplier.com/pricing — accessed 2 November 2026

Oyster

• [20] Oyster, global contractor — https://www.oysterhr.com/how-it-works/global-contractor — accessed 2 November 2026
• [21] Oyster, help center: How does foreign exchange work for contractors? — https://support.oysterhr.com/hc/en-us/articles/34395783875345-How-does-foreign-exchange-work-for-contractors — accessed 2 November 2026
• [22] Oyster, pricing — https://www.oysterhr.com/pricing — accessed 2 November 2026
• [23] Oyster, help center: How do invoices and the payment process work for contractors? — https://support.oysterhr.com/hc/en-us/articles/34395868832017-How-do-invoices-and-the-payment-process-work-for-contractors — accessed 2 November 2026

Papaya Global

• [24] Papaya Global, home page — https://www.papayaglobal.com/ — accessed 1 November 2026
• [25] Papaya Global, payments platform — https://www.papayaglobal.com/payments-platform/ — accessed 1 November 2026
• [26] Papaya Global, contractor management — https://www.papayaglobal.com/contractor-management/ — accessed 1 November 2026
• [27] Papaya Global, pricing — https://www.papayaglobal.com/pricing/ — accessed 1 November 2026

Payoneer (reference)

• [28] Payoneer, home page — https://www.payoneer.com/ — accessed 9 November 2026
• [29] Payoneer, send payments — https://www.payoneer.com/send-payments/ — accessed 9 November 2026
• [30] Payoneer, pricing — https://www.payoneer.com/pricing/ — accessed 9 November 2026
• [31] Payoneer, mass payouts platform — https://www.payoneer.com/marketplace/mass-payouts-platform/ — accessed 9 November 2026
• [32] Payoneer, batch payments — https://www.payoneer.com/batch-payments/ — accessed 9 November 2026

RemoFirst

• [33] RemoFirst, global contractor payments — https://www.remofirst.com/global-contractor-payments — accessed 2 November 2026
• [34] RemoFirst, international contractors — https://www.remofirst.com/international-contractors — accessed 2 November 2026
• [35] RemoFirst, pricing — https://remofirst.com/pricing — accessed 2 November 2026

Remote

• [36] Remote, pricing — https://remote.com/pricing — accessed 2 November 2026
• [37] Remote, contractor payout explorer — https://remote.com/resources/contractor-payout-explorer — accessed 2 November 2026
• [38] Remote, help center: currency and FX for contractor payouts — https://support.remote.com/hc/en-us/articles/4416621389069 — accessed 2 November 2026
• [39] Remote, contractor management — https://remote.com/global-hr/contractor-management — accessed 1 November 2026
• [40] Remote, help center: payout timing — https://support.remote.com/hc/en-us/articles/4406803200013 — accessed 2 November 2026
• [41] Remote, help center: contractor payouts — https://support.remote.com/hc/en-us/articles/5499542053261 — accessed 2 November 2026

Rippling

• [42] Rippling, Global Contractors product page — https://www.rippling.com/products/global/global-contractors — accessed 2 November 2026
• [43] Rippling, Global Contractors — https://www.rippling.com/global-contractors — accessed 2 November 2026
• [44] Rippling, contractor management — https://www.rippling.com/contractor-management — accessed 2 November 2026
• [45] Rippling, paid global contractors — https://www.rippling.com/paid-global-contractors — accessed 2 November 2026
• [46] Rippling, pricing — https://www.rippling.com/pricing — accessed 2 November 2026

Tipalti

• [47] Tipalti, mass payments — https://tipalti.com/mass-payments/ — accessed 1 November 2026
• [48] Tipalti, global payments — https://tipalti.com/ap-automation/global-payments/ — accessed 1 November 2026
• [49] Tipalti, faqs — https://tipalti.com/en-eu/faqs/ — accessed 5 November 2026
• [50] Tipalti, pricing — https://tipalti.com/pricing/ — accessed 1 November 2026
• [51] Tipalti, help center: How long does it take for payees to get paid? — https://help.tipalti.com/hc/en-us/articles/28760005341207-How-long-does-it-take-for-payees-to-get-paid — accessed 5 November 2026

Wise Business

• [52] Wise Business, batch payments — https://wise.com/us/business/batch-payments — accessed 9 November 2026
• [53] Wise Business, pricing — https://wise.com/us/pricing/business — accessed 9 November 2026
• [54] Wise Business, payouts — https://wise.com/payouts/ — accessed 9 November 2026
• [55] Wise Business, send payments — https://wise.com/us/business/send-payments — accessed 9 November 2026
• [56] Wise Business, ways to pay (UK) — https://wise.com/gb/business/ways-to-pay — accessed 9 November 2026

Review platforms

Ratings and reviews as of 27 October 2026, 4dev.com on G2 as of 8 November 2026.

• [57] 4dev.com: G2 5.0 (3 reviews) · Trustpilot 4.1 (56 reviews); no reviews on Capterra — G2 accessed 8 November 2026; Trustpilot accessed 27 October 2026
• [58] Deel: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews) — accessed 27 October 2026
• [59] G-P: G2 4.4 · Capterra 4.51 (65 reviews) · Trustpilot 4.3 (148 reviews) — accessed 27 October 2026
• [60] Multiplier: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews) — accessed 27 October 2026
• [61] Oyster: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews) — accessed 27 October 2026
• [62] Papaya Global: G2 4.69 (55 reviews) · Capterra 4.5 (44 reviews) · Trustpilot 4.2 (58 reviews) — accessed 27 October 2026
• [63] Payoneer (reference): G2 3.2 (374 reviews) · Capterra 4.2 (768 reviews) · Trustpilot 3 (63,464 reviews) — accessed 27 October 2026
• [64] RemoFirst: G2 4.5 · Capterra 3.4 (5 reviews) · Trustpilot 4 (101 reviews) — accessed 27 October 2026
• [65] Remote: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews) — accessed 27 October 2026
• [66] Rippling: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews) — accessed 27 October 2026
• [67] Tipalti: G2 4.5 (427 reviews) · Capterra 4.53 (179 reviews) · Trustpilot 2.7 (102 reviews) — accessed 27 October 2026
• [68] Wise Business: G2 3.8 (97 reviews) · Capterra 3.66 (91 reviews) · Trustpilot 4.3 (303,807 reviews) — accessed 27 October 2026