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Edge28 Nov 2025
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Payoneer Global (PAYO) investor relations material
Payoneer Global UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.UBS’s 2025 Global Technology and AI Conference summary3 Dec, 2025
Recent business trends and macro environment
Marketplace volumes remained soft in November, with holiday season impacts yet to be seen due to payment lags from major platforms.
Sellers, especially in China and APAC, are adapting to macro and tariff environments by diversifying channels and adjusting logistics, pricing, and SKUs.
B2B volumes accelerated, with Q4 expected to grow in the high teens, up from 11% in Q3; strong travel spend is also contributing to enterprise payout volumes.
Diverse performance across marketplaces reflects shifting consumer and seller behaviors.
Cross-border B2B and FX management
Over half of surveyed SMBs have global AR/AP needs, and two-thirds have legal entities outside their home countries, leading to complex treasury operations.
The platform enables SMBs to manage multiple currencies and pay across jurisdictions via a single interface, addressing legacy infrastructure limitations.
Customers can hold, convert, and pay in various currencies, leveraging local real-time rails and monetizing FX transactions based on currency pairs and product usage.
Card product and monetization
Multi-currency card product saw $6B in usage over 12 months, with 19% volume growth in Q3.
Card allows customers to avoid unnecessary FX conversions, with 30-40% cross-border usage on US-issued cards, resulting in higher yield and better value for customers.
Card product is a key driver of take-rate expansion and value creation.
Expand on regulatory moat and license expansion plans
How does bank replacement impact financial metrics?
Detail stablecoin strategy and 2026 wallet functionality
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Next Payoneer Global earnings date
Q4 202527 Feb, 2026
Next Payoneer Global earnings date
Q4 202527 Feb, 2026
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Payoneer Global Inc operates a payment and commerce-enabling platform that facilitates marketplaces, platforms and online merchants worldwide. Its solutions include payments, risk, compliance and working capital solutions. The company’s payment solutions include mass payout services, payment service provider, and payouts. Its mass payout services facilitate the sending of funds from businesses to individuals in various markets that include India, Latin America, Eastern Europe and the Middle East.
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