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Payoneer Global (PAYO) investor relations material
Payoneer Global UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Recent performance and macro trends
Marketplace volumes remained soft in November, with holiday season impacts yet to be seen.
Sellers, especially in China and APAC, are adapting to macro and tariff environments by diversifying channels and logistics.
B2B volumes accelerated, with Q4 expected to grow in the high teens, up from 11% in Q3.
Strong travel spend contributed to robust payout volumes in the enterprise segment.
Diverse performance across marketplaces reflects shifting consumer and seller behaviors.
Cross-border B2B and FX strategy
Over half of surveyed SMBs have global AR/AP needs, and two-thirds operate entities outside their home countries.
The platform enables SMBs to manage multi-currency payments and accounts through a single interface.
Customers can hold, convert, and pay in multiple currencies, leveraging local real-time rails.
FX monetization is driven by transaction type, currency pairs, and product usage.
Card product and monetization
Card product saw $6B in usage over 12 months, with 19% volume growth in Q3.
Multi-currency issuance model helps customers avoid unnecessary FX conversions.
U.S.-issued cards have 30-40% cross-border usage, yielding higher interchange and rewards.
Card adoption drives take-rate expansion and customer value.
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