Hi @Judy-Ann2 , I had signed up with Payoneer but I haven't used them yet, ie, I have a Payoneer acct number but not the card (you're supposed to be able to still transfer funds to your local bank acct once you have a Payoneer acct, even if you do not request/have the card).
It wasn't worth my while because I'm not making much money via airbnb which is the reason I wanted the Payoneer option. My direct (non-airbnb) bookings pay me upfront, which is sweet. Pity airbnb won't pay hosts from some countries direct to their local bank accounts.
You could ask the others here who had responded to my post what their experience with Payoneer has been like.