Chaser vs Payoneer
Payoneer gets money from global clients into your account. Chaser gets money from late-paying clients. They solve different problems — and many freelancers use both.
Payoneer is the go-to tool for freelancers working with US or global platforms — it gives you local bank account numbers in the US, EU, UK, and more so international clients can pay like they're paying a local company. But once the money is in your Payoneer account, if a client is late or non-responsive, you are on your own. That is where Chaser comes in: automated invoice chasing, professional escalation, and a direct payment link for every invoice.
| Feature | Payoneer | Chaser ✓ |
|---|---|---|
| Invoice creation | Basic invoice generation | Full invoice builder with line items, VAT, PDF |
| Automated payment follow-up | None — manual reminders only | 4-stage automated sequence (day 7/14/21/30) |
| Escalating email stages | No — same tone every time | Friendly → firm → formal → final notice |
| iDEAL / SEPA payments | No — primarily USD/international | Yes — Stripe Connect with iDEAL + card |
| International payments (USD, GBP, etc.) | Yes — core strength (95+ currencies) | EUR / GBP / USD via Stripe |
| Multi-currency receiving account | Yes — US, EU, UK, JP, AU, CA bank accounts | No — payment via Stripe link only |
| Marketplace / platform payouts | Yes — Amazon, Airbnb, Upwork, Fiverr, etc. | No |
| Invoice language support | English only | EN / NL / DE / FR |
| UBL XML export (NL accountants) | No | Yes — Exact/Moneybird/Snelstart compatible |
| Dashboard: overdue invoices | Basic | AR aging, risk score, collection stats |
| Free tier | Free account, fees on transactions (1–3%) | Free — 3 invoices with full automation |
| Paid plan | Fee-based (% per transaction) | €20/mo — unlimited invoices |
| Best for | Receiving payments from US/global clients | Getting paid by late-paying clients |
Choose Payoneer when you need to:
- → Receive payments from US clients as if you had a US bank account
- → Get paid by Upwork, Fiverr, Amazon, or similar platforms
- → Work in USD, GBP, or JPY without a local bank account
- → Send and receive money between freelancers globally
Choose Chaser when you need to:
- ✓ Stop manually writing 'just checking in' emails
- ✓ Get paid by EU/NL clients via iDEAL or card
- ✓ Send professional PDF invoices in EN/NL/DE/FR
- ✓ Automatically escalate late invoices from friendly to formal
💡 Use Payoneer + Chaser together
They are complementary, not competing. Here is the workflow many international freelancers use:
- 1Create your invoice in Chaser — professional PDF, VAT included
- 2Share the Chaser payment link OR include your Payoneer account details as bank transfer info
- 3EU clients pay via iDEAL (Chaser/Stripe) — instant
- 4US/global clients pay to your Payoneer US account
- 5If invoice goes overdue, Chaser chases automatically — regardless of payment method
🐕
Add automated invoice chasing to your freelance stack
Professional invoices + 4-stage automated chasing. Free for your first 3 invoices — no credit card.
Start free with Chaser →2 minutes to set up. Works alongside Payoneer.
Frequently Asked Questions
Is Payoneer better than Chaser for freelancers?
They serve different purposes. Payoneer excels at receiving international payments (especially from US clients and platforms). Chaser excels at creating professional invoices and automating the follow-up process when clients are late. Most freelancers working with international clients benefit from using both.
Can I use Chaser if I receive payments via Payoneer?
Yes. Include your Payoneer account details in the payment instructions field of your Chaser invoice. If the client doesn't pay by the due date, Chaser will automatically send follow-up emails regardless of the payment method.
Does Payoneer have invoice automation?
Payoneer has basic invoicing but no automated follow-up. If an invoice is late, you have to write and send the follow-up yourself. Chaser's 4-stage automated escalation sequence does this without any manual work.
What does Payoneer charge?
Payoneer charges fees on transactions — typically 1–3% depending on the payment method and currency. Receiving from Payoneer-to-Payoneer is often free. There are also annual account fees in some regions. Chaser charges a flat €20/mo for unlimited invoices with no per-transaction fees.