Payoneer froze my funds — reviews, reserves, and regulator routes

Payoneer freezes funds for account reviews, compliance checks, reserve decisions, and marketplace-linked disputes. What most users miss is that Payoneer's escalation path depends on which licensed entity you're contracted with — and Payoneer publishes this itself.

Payoneer's regulated entities (published by Payoneer)

Payoneer Inc. is registered with FinCEN as a money services business (MSB registration 31000288349183) and holds state money transmitter licenses where required. Payoneer Europe Limited (reference C189473) is an e-money institution authorized by the Central Bank of Ireland, passported across the EEA. Payoneer Payment Services (UK) Limited (reference 966835) is an e-money institution authorized by the UK Financial Conduct Authority.

Where complaints go

Payoneer's published complaints procedure sets out internal escalation first, then: US residents are directed to their state regulators; UK customers can refer complaints to the Financial Ombudsman Service within six months of Payoneer's final response; EU (Ireland-entity) customers can go to the Financial Services and Pensions Ombudsman (FSPO) in Dublin. US users can also file with the CFPB, which accepts money-services complaints.

⚠ Entity names, reference numbers and ombudsman windows were verified against payoneer.com's licensing and complaints pages (Feb 2026). Confirm the current process with Payoneer and the regulator before filing. Not legal advice.