Payoneer is terrible. Google auto-created an account for me there several years ago as part of paying me a $250 open source peer bonus (opensource.google/documentation/). They gave me another $1000 and Payoneer won't let me withdraw without giving them a photo of my passport. Ridiculous.
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Payoneer wants to verify my identity in order to add a bank account. They think it makes sense to do that by asking for someone's birth date. Their software errors out because the account was auto-created for me and I never provided a birth date. It might be set to a placeholder.
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Google sends bug bounties via wire transfers to my USD bank account at a Canadian bank. That's not perfect since it burns money from wire transfers fees but it's a lot better than this. GitHub Sponsors uses Stripe which deposits directly via ACH since my bank has US ACH support.
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End result of Stripe using ACH is a lot nicer but it was a complete disaster getting it working. I went several months without getting money from GitHub Sponsors because Stripe had trouble dealing with sending USD to a Canadian bank instead of converting. Financial services suck.
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PayPal is a similar mess. PayPal doesn't want to allow Canadians to withdraw USD. They want you to convert and pay their 2.5% fee. I figured out I could enter the Royal Bank of Canada's virtual US branch information and they think it's an American bank and let me withdraw...
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Thats normal. You can't avoid convert fees. Paypal and all banks have high fees. I use wise.
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I avoid conversion fees. PayPal does direct deposit into my USD bank account. I can spend USD directly.
If I wanted to convert it to CAD (I don't), I would be able to do finiki.org/wiki/Norbert%2 via RBC Direct Investing since it has fixed per-transaction fee which can be avoided.
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PayPal wouldn't be happy if many people were doing this and would correct the loophole allowing bypassing their forced conversion from USD to CAD. I don't actually want to convert USD to CAD. I can send USD via Wise so I have no reason to convert USD received from Google at all.
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I can't easily spend USD another way right now beyond RBC Direct Investing or a wire transfer. They offer a USD credit card but it has an annual fee which rules it out. Seems the RBC US branch offers a no fee USD credit card to Canadians but there are likely fees for US branch.
Canadians can't get credit cards with comparable cash back as Americans which is also annoying. Currently mostly get 1% cash back via no fee card, although I could get up to around 2% if I paid a fee, and I spend enough that extra cash back would cover fee, but annoying to swap.
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