I have been fighting with Payoneer from quite a long time now. I think it is has reached the point when I should share my experience.
I started working on upwork as a freelance developer around 2011. About four years ago I was looking for options to receive payments from foriegn clients when I found out about Payoneer. I read that it was a good substitute for PayPal, which is not providing ‘proper’ services in Pakistan even today. (Read my article about PayPal here, I am also annoyed with them 😉 )