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Karachi, November 06, 2025: Payoneer reported record third-quarter revenue for 2025, reinforcing its role as a key financial enabler for Pakistan’s fast-advancing digital services economy.
The company’s latest results underline how global payment infrastructure is increasingly supporting Pakistan’s freelancers, IT exporters, and e-commerce businesses as they expand internationally.
The fintech giant posted $270.9 million in total revenue, up 9% year-on-year, while revenue excluding interest income rose 15% to $211.4 million. Growth was powered by a 9% rise in global payment volumes and a continued increase in SMB take rates—an indicator of deeper engagement from small and medium-sized businesses.
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A standout element of the quarter was Payoneer’s continued operational discipline, with adjusted EBITDA climbing to $71.3 million. Revenues from SMBs—Payoneer’s core customer base—rose 17% to $192 million, underscoring the resilience of cross-border commerce despite a volatile global environment.
Breakdown of SMB revenue includes:
- Marketplace sellers: $121 million, up 11%
- B2B SMBs: $62 million, up 27%
- Checkout services: $9 million, up 49%
Payoneer also reported a record $1.6 billion in card spend, up 19%, while customer funds reached $7.1 billion, reflecting strong user trust and rising platform activity.
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For Pakistan, where digital exports continue to grow amid an expanding tech workforce and freelance economy, Payoneer’s quarterly performance signals strengthening financial pathways for service providers seeking global access.
Millions of freelancers, software firms, agencies, and e-commerce sellers rely on Payoneer for multi-currency accounts, secure cross-border transactions, and localized customer support.
John Caplan, CEO of Payoneer, said the company’s performance reflects its mission to “remove friction between an entrepreneur’s ambition and their achievement,” adding that Payoneer’s product innovation and multi-product adoption continue to drive double-digit ARPU and take-rate expansion for more than 10 consecutive quarters.
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Analysts note that Pakistan’s digital economy—worth billions in annual IT and services exports—benefits directly from Payoneer’s infrastructure as it navigates global markets, currency risks, and compliance requirements.
With more Pakistani freelancers entering high-value global markets and digital businesses scaling internationally, Payoneer’s strong financial health reinforces a stable, accessible payment backbone for the country’s tech-driven growth.
