₦airaland Forum

December is usually one of the busiest months of the year, especially for freelancers and remote workers in Nigeria. Clients are wrapping up projects, businesses are closing books, and many professionals want to receive their payments before the festive period begins.
However, this season also brings a familiar frustration: late payments and delayed settlements. In online forums and community discussions, many Nigerians specifically look for answers to questions like “Why is my PayPal or Payoneer payment pending?” and “How can I avoid waiting weeks for my freelance earnings?”

Why Payment Delays Happen During the Festive Rush
Several factors contribute to payment delays at the end of the year.
For example:
- Many freelancers submit invoices late in the month, creating peak demand for processing.
- Administrative teams often slow down due to holiday schedules.
- Some platforms or intermediaries process transactions manually or inconsistently, leading to unpredictable settlement times.
These delays can disrupt your cash flow, especially when you’re trying to plan for expenses, travel, or festive activities.

Practical Tips to Get Paid On Time
Here are the steps experienced professionals use to minimise wait times and get their earnings without unnecessary delays:
- Clarify expected settlement times before sending invoices
Always ask your client or platform: “When will this payment actually hit my account?” Instead of assuming it’s instant.
- Issue invoices earlier in the month
Waiting until the last week can mean your payment gets stuck in approval queues during the busiest days.
- Use platforms with clear payout processes
Avoid payment channels that don’t share settlement timeframes; predictability matters more than you think.
- Plan around administrative slowdowns
Holidays impact teams as much as they impact you. Account for possible delays in approvals.

Where Ratefy Helps
Ratefy was built for professionals who need clarity and reliable timing, not guesswork. Instead of wondering why your payment hasn’t shown up or refreshing a dashboard endlessly, Ratefy offers transparent processes and better handling during peak periods as December.
Whether you’re working with international clients, invoicing remotely, or managing multiple income streams, understanding how your funds move and when is essential for planning your year-end.

Payment delays are one of the most common issues freelancers and remote workers face when withdrawing from PayPal or Payoneer through exchangers. Searches like “PayPal to naira delay,” “Payoneer withdrawal time,” “fastest PayPal withdrawal in Nigeria,” and “why is my Payoneer payment pending?” trend because people experience the same problems repeatedly.
Below are the real causes, and the fixes that actually work.

Why Payment Delays Happen
1. Inconsistent Exchanger Processes
Most exchangers don’t run on a structured system.
This leads to:
- Unpredictable settlement times
- Delays when they are low on liquidity
- Long waiting periods during high-demand days

2. Peak Withdrawal Hours
Withdrawals slow down during:
- Late evenings
- Weekends
- Month-end periods
- Public holidays
Most exchangers reduce activity or have too many requests at once.

3. No Clear Confirmation Before Sending Funds
People often send money without confirming:
- Expected settlement time
- If the exchanger is liquid
- If the rate is locked
- Whether transactions are instant or queued
Once the funds leave your wallet, the waiting begins.

4. Manual, Untracked Processes
With random exchangers, you don’t get:
- Real-time updates
- A dashboard or tracking
- Transparent handling of your funds
- Everything depends on the exchanger being responsive.

How to Avoid Withdrawal Delays
1. Confirm key details before sending money
Always ask:
- “How long will this take?”
- “Is this rate fixed?”
- “Are you liquid right now?”

2. Withdraw during low-traffic periods
The fastest payout windows are:
- Weekdays
- Early mornings
- Non-peak hours

3. Stop relying on unstructured exchangers
- Random chats and manual transfers slow down withdrawals.
- The more organized your process is, the faster you get paid.

4. Use a platform built for fast, predictable withdrawals
This is where Ratefy becomes the smarter alternative.
Instead of depending on multiple exchangers with inconsistent timing, you get:
- A clear payout process
- Transparent rates
- Predictable settlement windows
- A system designed for freelancers and remote workers receiving international payments

No guesswork. No “give me 10 minutes.” No endless refreshing.

Final Thoughts
PayPal and Payoneer aren’t the real cause of most delays.
It’s the withdrawal method.
Once you switch to a structured, trackable process, your payouts become faster, smoother, and way less stressful, and Ratefy fits perfectly into this workflow.

If you’re a TikTok creator in Nigeria, you already know the struggle, making money on TikTok is actually the easy part; withdrawing it is where the issue starts. And considering how many creators are now cashing out from TikTok rewards, creator contests, campaigns, live gifts, and video tips, the payout issue is becoming a serious bottleneck.

Let’s break down the whole thing and show you the actual solution.

How TikTok Creators Make Money
TikTok isn’t shy with the monetization options anymore. You can earn through:
- Live gifts and rewards
- Creator campaign contests
- Creator funds
- Tips from your videos

For many creators, the earnings add up pretty fast. But the challenge is cashing out.

The Withdrawal Problem
Normally, TikTok gives you two main options for withdrawing your money:
- PayPal
- Payoneer

But here’s where it gets complicated for Nigerian creators:
1. Payoneer Account Issues
Payoneer is almost like a gated community:
- Payoneer charges $15 minimum withdrawal fee or 3% where it is greater than $15 which is too high.
- Verifying your Payoneer account can be extra difficult if you're not a freelancer.
- Nigeria isn’t even available in the Payoneer options on TikTok, meaning you’d have to pick another country just to proceed, which is messy.

2. PayPal Limitations
Not everyone has a PayPal account, and even when they do:
- Many Nigerian accounts have restrictions
- Some creators can’t verify theirs
- Withdrawals don’t always go smoothly

"PayPal Nigeria" does not have the features to receive payment, therefore it can not be used for TikTok withdrawals. Creators had to create fake PayPal from other countries.
The Real Solution: [/b]Using Ratefy to Withdraw Your TikTok Funds
Now to the good part; you can withdraw your TikTok earnings without having your own PayPal or Payoneer account. The easiest way creators are doing it right now is through Ratefy.\

[b]Here’s how it works:
- Step 1: [/b]Visit Ratefy
Go to Google and search “Ratefy” and click the website link.
You can log in if you already have an account or sign up if you’re new.

- [b]Step 2: Go to the TikTok Withdrawal Section
On your dashboard, scroll down to the TikTok options.
You’ll see:
TikTok → Payoneer
TikTok → PayPal.
If you want instant processing, use the TikTok → PayPal option, it usually gets completely linked and withdrawn in about 30 minutes.

- Step 3: [/b]Enter Your Withdrawal Details
Example:
Let’s say you want to withdraw $300.
Click the TikTok → PayPal option
Enter the amount
Select your Nigerian bank account
Click Sell Now
Agree and continue

- [b]Step 4: [/b]Provide Your TikTok Login Details
Now this part scares a lot of creators, but here’s the deal:
Ratefy needs to log into your TikTok account because TikTok does not allow third-party withdrawals without access to your dashboard.
You’ll provide:
* Your login email or phone number
* Any OTP sent by TikTok
They’ll link the account and withdraw the exact amount you entered.

- [b]Step 5: [/b]Get Paid Instantly
Once your account is linked the first time, future withdrawals become super easy.

All you’ll do next time is:
- Go to Ratefy
- Enter your withdrawal ID
- They’ll process it instantly
And boom, your money hits your bank.

[b]Final Thoughts
With TikTok monetization growing fast in Nigeria, creators shouldn’t be stuck fighting PayPal or Payoneer just to access their own earnings. Ratefy offers a clean, fast workaround that eliminates all that stress.
If you’ve been struggling to withdraw your TikTok money, this method will save you a lot of time and frustration.

Withdrawing from Fiverr has changed a lot, and if you’re still using the old 2020-2023 methods, you’re basically setting yourself up for restrictions or a permanent ban. Fiverr, Payoneer, and PayPal have all tightened their verification systems, so here’s the current reality and the methods that actually work now.

What Has Changed With Fiverr Withdrawals in 2025
Many of the old withdrawal tricks that freelancers relied on no longer work. Fiverr, Payoneer, and PayPal have updated their security systems, and here are the key changes that actually matter:

1. You can’t use one Payoneer for multiple Fiverr accounts anymore
Fiverr now flags it as suspicious.
Once their system detects a Payoneer that’s been used on another Fiverr account, they treat it like account-sharing and can quickly terminate the account. Only fresh, unused Payoneer accounts are now safe to use.

2. You can’t add only a PayPal email; Fiverr now forces full login
Before, typing in your PayPal email was enough.
Now, you must log in through Fiverr with your PayPal email and password. Fiverr wants to confirm that PayPal truly belongs to you, which makes reusing PayPal accounts almost impossible.

3. PayPal is now more sensitive to suspicious linking
PayPal limits accounts faster than before.
If an account is linked to too many platforms, receives unusual payments, or appears to be recycled, you can freeze it instantly. This makes clean, verified PayPal accounts more valuable.

4. Getting a clean Payoneer is now harder
Payoneer tightened its verification system. They now reject more documents, restrict accounts faster, and flag anything that looks reused. This makes creating multiple Payoneers risky, which is why people now prefer strictly new accounts.

5. Fiverr tracks reused details more aggressively
Fiverr now detects:
- previously used emails
- Repeated payment methods
- reused devices or IPs
- Payoneers or PayPals linked before

If anything appears to be recycled, they restrict withdrawals or suspend the account.

Method 1: If Your Fiverr Account Is Active and Not Restricted
If your Fiverr account is still fully active, the safest and cleanest way to withdraw your earnings is by using a brand new Payoneer account or a brand new PayPal account. You can also use a PayPal account that allows you to add a new email specifically for Fiverr. Fiverr now prefers completely fresh payment methods with no previous history on other accounts.

If you don’t have access to clean Payoneer or PayPal accounts, Ratefy can help with creating new accounts, linking them safely, and withdrawing your funds without triggering any red flags.

Method 2: If Your Fiverr Account Is Restricted

Once Fiverr gives you the 14-day countdown, the goal is simple:
Withdraw your earnings before the account fully locks.
You can:
- Link any Payoneer you have (even an old one)
- Link any PayPal available
- Or contact Ratefy for a faster and safer option
For restricted accounts, Ratefy usually connects its own verified PayPal account to withdraw immediately. You don’t need to risk your own PayPal or add any email; they handle the linking and cash-out process directly.

This is the best approach when you know Fiverr might not approve your KYC.

Final Summary
If your Fiverr account is still active, the smartest choice is to withdraw using a brand new Payoneer or a brand new PayPal account, because Fiverr is now extremely sensitive to reused payment methods. But if your account has already been restricted, your best move is to withdraw immediately using any available payment method or by contacting Ratefy, who can link their verified accounts to help you cash out safely.
Fiverr might be stricter now, but withdrawing your money is still possible when you follow the right steps.

Did you know you can actually earn a living doing PayPal arbitrage? If you’re looking for a legit way to make money online in Nigeria, this is it. PayPal arbitrage is all about buying and selling digital assets, in this case, PayPal funds, for a profit.
In this guide, I’ll show you exactly how you can buy PayPal funds for lower rates and sell them for more, using the Nigerian platform Ratefy.co.

What is PayPal Arbitrage?
Arbitrage simply means buying low and selling high. With PayPal arbitrage, you help people get their funds through PayPal while earning a margin for yourself. Essentially, you’re acting as a middleman between someone who wants to withdraw money and the PayPal system.

- Step 1: Sign Up on Ratefy
The first step is to go to market.ratefy.co. Create an account if you don’t already have one. You’ll also need a PayPal account, so make sure you have that ready.
Once you’re logged in, you can start exploring offers to buy PayPal funds at lower rates.

- Step 2: Methods to Buy PayPal Funds
There are two main ways to buy PayPal funds on Ratefy:
-TikTok Withdrawal
Many TikTok content creators want to withdraw their earnings but don’t have a PayPal account. You can provide this service. On Ratefy, search for “TikTok PayPal withdrawal,” and you’ll see people listing rates for different amounts. You fund their withdrawal through your PayPal account, and the platform handles the escrow to ensure security.
-Fiverr Withdrawal
Freelancers often want to withdraw their Fiverr earnings to PayPal but don’t have accounts. You can be the first to set up offers for this. The process works the same way: the freelancer withdraws through your account, and Ratefy ensures a safe transaction.

- Step 3: Selling PayPal Funds
Once you have funds in your PayPal account, you can sell them for profit in several ways:
- Fiverr Review: Sell PayPal funds to buyers who want Fiverr reviews. You set your rate and wait for a buyer.
- Namecheap Checkout: Help people purchase services online using your PayPal, charging a markup.
Friends and Family: Sell PayPal funds directly to people who want to use PayPal for personal transfers.
For example, if you buy $200 worth of PayPal at a lower rate and sell it through one of these methods, your profit could be around ₦60,000 to ₦70,000, depending on the transaction fees.

- Step 4: Calculate Your Profit
Here’s a simple calculation for reference:
Buy $200 PayPal at a rate of ₦258,720
Sell $200 PayPal at a rate of ₦318,656
Profit = ₦318,656 – ₦258,720 = ₦59,936

Tips for Beginners
- Start with small amounts to minimize risk.
- Always ensure transactions go through Ratefy’s escrow system to avoid scams.
- Track your transactions and profits carefully.
- Focus on high-demand withdrawals like TikTok or Fiverr for faster sales.

Conclusion
PayPal arbitrage is a legitimate and profitable way to earn money online in Nigeria. Platforms like Ratefy.co make it safe and easy to buy and sell PayPal funds, even if you’re new to online freelancing.
If you’re ready to start, sign up on Ratefy today, set your offers, and begin your journey to making money online with PayPal arbitrage.

A lot of people in Nigeria keep searching for how to buy cheap S5 proxies, affordable Pia proxies, or a low-cost alternative to 911.s5, because the official platforms are honestly expensive and stressful. Most users just want a place where they can buy S5 proxies in naira, without dealing with high dollar rates or unnecessary minimum purchases.
If you’ve been struggling with those same issues, this guide shows you the easiest and cheapest way to buy S5 Proxy directly in Nigeria using market.ratefy.co and how to redeem it instantly without complications.
This method lets you buy S5 proxies for around ₦200 to ₦300 per IP, which is way cheaper than buying directly from the main proxy providers.

Where to Buy Cheap S5 Proxy in Nigeria
The platform you need is market.ratefy.co. It’s a peer-to-peer marketplace where verified sellers list digital products, including S5 Proxy and residential proxy. The best part is that everything is in naira, so you don’t have to worry about exchange rates or using virtual cards.
When you get to the website, register if it’s your first time, or simply log in if you already have an account.

How the Cheap S5 Proxy Purchase Works
Once you’re on your dashboard, click Find Offer and switch to Buy. Scroll until you see the Pia Proxy / S5 Proxy options. You’ll notice different sellers offering different prices. Some will let you buy a minimum of 10 IPs for as low as ₦200, ₦260, or ₦300 per IP.
For example, if a seller is charging ₦260 per IP, buying 10 IPs will cost just ₦2,600. That’s way cheaper than what most people are used to paying when searching for things like “cheap s5 proxy Nigeria” or “affordable proxy for freelancers.”
After choosing the seller you prefer, click Buy Now. The system will ask you to confirm your purchase, but before you can proceed, you need to fund your Rate Wallet.
Your wallet account number will appear on your screen. Just transfer the money like a normal bank transfer, and your balance will reflect once payment is confirmed.
When your wallet is funded, you can agree to the trade and the seller will send you your CDK Key, which is basically your access code.

How to Redeem Your S5 Proxy Key
To redeem your proxy, return to your proxy dashboard, click Subscribe Proxy, and then select Redeem. Paste the CDK Key you received, confirm it, and your IP balance will be updated automatically.
This is the part where most people get confused when they search “how to redeem s5 proxy code,” but the process is very straightforward here.

Why This Method Is Better Than Buying Directly
Buying S5 proxies through market.ratefy.co solves a lot of the common pain points people complain about:
- You’re paying in naira, so you avoid the FX stress
- You get cheaper prices because sellers compete with each other
- You can buy small quantities like 10 IPs instead of being forced into large packages
- Redemption is simple and fast
- You don’t need a card that works internationally
This is why a lot of people are now turning to this method when they search for cheaper proxy options or alternatives to the official S5 proxy stores.

Final Thoughts
If you’ve been looking for a simple, affordable, and stress-free way to buy S5 proxies in Nigeria, this method is one of the best options right now. The whole process only takes a few minutes, the prices are low, and you can redeem your IPs immediately.

For freelancers and independent creators, few things sting more than delivering great work, only to spend weeks chasing your payment. Late payments aren’t just frustrating; they affect your cash flow, your motivation, and even your trust in freelancing as a career.
But often, the reason money takes so long to land isn’t only about the client. Sometimes, it’s about avoidable mistakes in the way you manage projects, communication, and payments. Let’s break down the most common errors and how to fix them.

Mistake 1: Not Setting Clear Payment Terms Upfront
Many freelancers jump into projects without discussing timelines, milestones, or when payment is due. The result? Clients drag their feet.
Fix it: Always use a contract or at least a written agreement before starting. State your payment structure (e.g., 50% upfront, 50% on delivery) and make sure both sides are aligned.

Mistake 2: Sending Vague or Unprofessional Invoices
If your invoice is unclear, missing crucial details, containing wrong dates, or confusing the client, everything slows down. Clients delay payment when they don’t have all the facts.
Fix it: Create invoices that are simple, professional, and complete. Include itemized descriptions, correct dates, due dates, your accepted payment methods, and any specific terms you agreed with the client. Keep copies of client communication to refer back to if there’s any confusion.

Mistake 3: [/b]Poor Communication With Clients
One of the fastest ways to delay payments is poor communication. If you don’t keep track of conversations, you might forget agreements, miss important updates, or fail to have proof of what was promised. This gives clients room to stall or dispute.
[b]Fix it: [/b]Document everything, from proposals to deadlines to deliverables. Keep communication in writing whenever possible, and create a system where you can easily trace what was agreed. This builds trust with your clients and makes it harder for them to delay payments without reason.

[b]Mistake 4: Relying on Unreliable Payment Methods
Waiting weeks for a transfer or dealing with blocked PayPal accounts is a major roadblock for Nigerian freelancers.
Fix it: Use trusted payment platforms that clients recognize, like PayPal or Payoneer, and connect with a partner like Ratefy that helps you receive funds securely in Nigeria.

Mistake 5: [/b]Not Following Up Professionally
Some freelancers fear chasing payments, but silence only encourages delays. On the other hand, being too aggressive can ruin relationships.
[b]Fix it: Follow up with polite but firm reminders. Keep it professional, reference agreements, and always have documentation on your side.

Final Thoughts
Late payments don’t have to be “normal” in freelancing. By fixing these common mistakes, you set yourself apart as a professional, protect your income, and make the payment process smoother for both you and your clients.
With tools like Ratefy, freelancers in Nigeria are learning to stop chasing and start collecting, because your time and work deserve respect.

Tired of scam exchangers? Read this before your next trade.

If you’ve ever tried to:
– Withdraw your Fiverr or Upwork earnings and got stuck because of PayPal wahala
– Buy PayPal or Payoneer funds, and got ghosted after payment
– Send RMB to your China supplier and it turned into a nightmare
– Or just tired of Telegram/WhatsApp traders wasting your time

Then you need to check out Ratefy-Market.

Ratefy is a secure P2P platform where verified Nigerians buy and sell:

PayPal
Payoneer
Wise
TikTok earnings
Fiverr funds
RMB (China)
Skrill
Freelance reviews & accounts
Gift Cards and;
Payment processing for orders and cross-border purchases


Why Nigerians Are Switching to Ratefy-Market:

Escrow Protection – Your money is held until both sides fulfill their end
Verified Users – No ghost accounts or faceless scammers
In-app Chat – Talk to the buyer/seller before you want to transact with
Simple UI – Not techy? No problem.
Fast withdrawals – Especially great for freelancers


Is It Legit?
Yes. Ratefy is registered, compliant with NDPR (Nigerian Data Protection Regulation), and currently has active offers.
You control your trade, not some Telegram handler.

Trade now ➝ https://market.ratefy.co

No need to stress yourself. Create a free account, verify once, and start trading safely.


Have You Ever Been Scammed?
Drop your story. Let’s talk.
We're changing how Nigerians trade digital assets, one safe transaction at a time.

Tired of Getting Scammed When Trading PayPal, Payoneer, or Fiverr Funds? There’s a Better Way. Ratefy-Market Is Live 🚀[/size]

Let’s be real, digital fund trading in Nigeria is full of risks.

According to NIBSS Reports 2024, billions of naira is lost to fraud annually in Nigeria’s digital payments space. That includes everyday people like freelancers, TikTok creators, remote workers and others trying to convert foreign earnings to Naira.

You’ve probably heard stories (or experienced it yourself):
"He showed me proof, I sent the PayPal — boom, blocked."
"They promised instant payment after I sent my Wise funds. They vanished."

Ratefy-Market
A fully verified P2P marketplace designed for safe, traceable, and stress-free trading of digital funds like:
✅ PayPal
✅ Payoneer
✅ Fiverr
✅ Wise
✅ TikTok USD earnings
✅ Other digital wallets

🛡️ Why Ratefy-Market is Different

✔️ Escrow-Powered Transactions – No one runs away with your money. Funds are held until both parties are satisfied.
✔️ Verified Merchants & Traders – Every merchant goes through a strict verification process.
✔️ In-App Messaging – No need for shady WhatsApp or Telegram chats. Communicate directly and securely.
✔️ Trade Requests – Set your rate, wait for buyers/sellers. No panic trades or begging.

📌 Who is Ratefy-Market Built For?

✅ Freelancers – Get paid via Fiverr, Upwork, Payoneer? You’re covered.
✅ Remote Workers – Convert your foreign income without fear.
✅ Content Creators – Monetise TikTok, YouTube or affiliate earnings safely.
✅ Merchants – Get listed as a verified vendor and build your reputation.
✅ Online Business Owners – Safely cash out from your e-commerce platforms.


Most of the P2P exchanges we know are just groups or middlemen with no structure. On Ratefy-Market:
- You see user ratings
- You see verified reviews
- You track your entire transaction trail

This platform puts transparency at the centre of everything. No more blind trust. No more “e go run am” transactions.

🔥 Ready to Ditch the Risk? Start Here:
🔗 Visit Ratefy-Market now → https://market.ratefy.co

Ratefy-Market: Your safety, your money, your control.

Let’s stop losing money to fraud and start trading digital funds the smart way.

Introducing to you ratefy.co

Ratefy deals with all forms of exchanges ranging from:

Fiverr Balance Withdrawal

Upwork Withdrawal

Payoneer to Payoneer transfer

Payoneer Payment request

Paypal Withdrawal

Skrill Withdrawal

Neteller Withdrawal

Wise Transfer

Access Domiciliary Account Transfer

Zenith Domiciliary Account Transfer

We offer the best exchange rate for your withdrawal.

Our Payout is swift and timely

We have efficient customer support service to attend to you at any time


Our rates are updated regularly, giving you the best value for your funds.

You can check us out on our website - ratefy.co


Check us out on our website at ratefy.co

Introducing to you ratefy.co

Ratefy deals with all forms of exchanges ranging from:

Fiverr Balance Withdrawal

Upwork Withdrawal

Payoneer to Payoneer transfer

Payoneer Payment request

Paypal Withdrawal

Skrill Withdrawal

Neteller Withdrawal

Wise Transfer

Access Domiciliary Account Transfer

Zenith Domiciliary Account Transfer

We offer the best exchange rate for your withdrawal.

Our Payout is swift and timely

We have efficient customer support service to attend to you at any time


Our rates are updated regularly, giving you the best value for your funds.

You can check us out on our website - ratefy.co



Check us out on our website at ratefy.co

Introducing to you ratefy.co

Ratefy deals with all forms of exchanges ranging from:

Fiverr Balance Withdrawal

Upwork Withdrawal

Payoneer to Payoneer transfer

Payoneer Payment request

Paypal Withdrawal

Skrill Withdrawal

Neteller Withdrawal

Wise Transfer

Access Domiciliary Account Transfer

Zenith Domiciliary Account Transfer

We offer the best exchange rate for your withdrawal.

Our Payout is swift and timely

We have efficient customer support service to attend to you at any time


Our rates are updated regularly, giving you the best value for your funds.

You can check us out on our website - ratefy.co

Introducing to you ratefy.co

Ratefy deals with all forms of exchanges ranging from:

Fiverr Balance Withdrawal

Upwork Withdrawal

Payoneer to Payoneer transfer

Payoneer Payment request

Paypal Withdrawal

Skrill Withdrawal

Neteller Withdrawal

Wise Transfer

Domiciliary Account Transfer

We offer the best exchange rate for your withdrawal. Our rates are updated regularly, giving you the best value for your funds.

You can check us out on our website - ratefy.co

The question is,

� "What is the best alternative to the extremely low direct payoneer funds withdrawal?"

Here is the truth.

Using grey.co, domiciliary accounts, etc are not any better because each of the platforms you use along the way charges you, then leave you with an unfair amount.


Instead of that,

I use another method that helps me get my whole money out without any type of charges.

Example: If I have $800 in my payoneer and the black market rate is #730, I get my whole #584,000 out with no charges at all.

Would you like to know how to?

I've made a 2mins video explaining this method.

Click here (
https://www.youtube.com/watch?v=SriWX9fD7oM ) to watch it.

hello people, I need help. I have a GTB USD acct. I want to withdraw directly and exchange with berūae dey change. But I don't know the fee I will be charged. I mean the withdraw fees etc. Can you please enlighten me if you have withdrawn to GTB bank.

Every Nigerian Freelancer Ask This Boiling Question Everyday �� - Do You?


The question is,

� "What is the best alternative to the extremely low direct payoneer funds withdrawal?"

Here is the truth.

Using grey.co, domiciliary accounts, etc are not any better because each of the platforms you use along the way charges you, then leave you with an unfair amount.


Instead of that,

I use another method that helps me get my whole money out without any type of charges.

Example: If I have $800 in my payoneer and the black market rate is #730, I get my whole #584,000 out with no charges at all.

Would you like to know how to?

I've made a 2mins video explaining this method.

Click here (
https://www.youtube.com/watch?v=SriWX9fD7oM ) to watch it.

Kate06:
I know what you guys are facing.

Now, you are part of their new policies.Always check their updated t&c pls.

Next time you want to withdraw from your freelance acct like fiverr and others, contact me.

Quote me to learn more.

Attention Freelancers ❗❗

Is your payoneer exchanger giving you low exchange rates?

I'm talking about anything around #700, #800 per dollar…

If YES, then you’re probably getting cheated on.

And I want you to read this keynote till the end.

Imagine the amount of effort you as a freelancer put in to get clients, should we talk about the constant revisions, doing a single job over and over to satisfy clients, gradually saving up your earnings in $50, $200, $500 for several months,


Then, when you finally want to exchange your money to naira, the battle with the exchange rate begins �


You are not quite sure if your payoneer exchanger is giving you the best rate,

This is exactly who I was,

I used to wonder if the exchange rate I was getting from my so-called 'tested & trusted' exchanger was’t too low than it should be.

No matter how hard I tried to find the real rate with my calculator, it was still difficult to know,

This feeling of getting ripped triggered me to study more about the exchange rate, and how the most profitable dollar to naira exchange rate works,

And I’ve learned 4 great lessons, which changed my life forever.

Aside from that, I also discovered that my payoneer exchanger has been illegitimately keeping chunks of my earnings for as long as the first day of exchanging with him.


� Imagine getting #500K everytime, when the real rate exchange rate would give you #590K.


� Imagine getting #700, when the real rate is going over #820 per dollar.


Now, no payoneer exchanger can lie to me about rates or rip me off my hard earned money because of the 4 great lessons I've learned so far.

Which every hardworking freelancer deserves to know.

Now I've put these 4 key lessons into a document, and it is available for those who are interested in it.

Titled: 4 Alarming Signs That Shows Your Payoneer Exchanger Is Cheating You Or About To Cheat You ‼️

� If you are a freelancer who wants to know if your payoneer exchanger has been ripping you off

� Or you don't believe he's exchanging at the right rate for you.


Then click on this link below to access a copy right now.

>> https:///j19or6

Note: It is only available for the next 24 hours and It will be automatically sent to you once you 'forward the message' in the link.

Premiumwriter:
It's been three days since I made a withdrawal to my local bank but my account has not been credited while payoneer shows that my transaction has been completed.

Also they sent me a mail that my local bank will be credited today (on the second day) but that obviously didn't happen.

This is my first withdrawal, does it take this much or should I contact their customer support?

cc mrphysics

I bet you've been withdrawing your payoneer funds the absolutely wrong way.

Click here (
https://www.youtube.com/watch?v=vGt8LGPWIrs ) to watch a 2mins video I made to explain the best way to withdraw if you want the most lavish exchage rate (above #700/dollar) right now online.

Glistinin:
Please how do you withdraw from payoneer to Paxful?

I bet you've been withdrawing your payoneer funds the absolutely wrong way.

Click here (
https://www.youtube.com/watch?v=vGt8LGPWIrs ) to watch a 2mins video I made to explain the best way to withdraw if you want the most lavish exchage rate (above #700/dollar) right now online.

You are welcome,

You and I know that nobody will be reading this except they usually have money inside their payoneer account,

No matter the kind of work you do online man, you worked hard to get those bucks in it.

But I know that it comes by being busy with your business. So I don't want to waste your time,

I have shortened the stories I had in mind into short points you can read in less than 7 minutes.

Some of which you know, but don't pay attention to,

And some of which you may never heard of, which will help you.






These 4 main points will;

1. Help you detect if your payoneer exchanger is giving you a good rate or he has been cheating you.


2. Let you detect quickly if your payoneer exchanger is about to rip you.


3. And as well, give you an escape route away from such payoneer exchanger to getting you the most lavish dollar to naira transactions possible.


Rest your back, and calmly follow me as I start exposing those obvious signs your trusted and tested exchanger don't want you to notice.


Let's get into it.





Is your dollar to naira exchanger in anyway like this?

Then, he is most likely ripping you or planning to rip



1. Your payoneer exchanger doesn't update his exchange rate immediately naira falls.

After deliberately following couples of payoneer exchangers, one thing 90% of them have in common is letting guys fall into old exchange rate trap without knowing it.

So, they can continue keeping a huge share of your earnings, which shouldn't be.

This may presently be costing you #30k, #70K, #100K, depending on the amount of dollars you normally exchange.

Here is the clearer picture;

Imagine that you made an exchange rate last month at #750 per dollar.

And you exchanged $500. You would get #375,000

Now let's say you wanna exchange another $500 this week, and you're not aware that the rate has increased to #850, While your 'tested and trusted' as well didn't say anything,

You would be given same #375,000
While you should be given #425,00

That is a whooping #50K rip off of your earnings.



A good payoneer exchanger will update his status immediately the rate increases,

And also send update into your DM to inform you, even if you're not exchanging yet.

If you have to ask your payoneer exchanger before he tells you the current rate, then he was expecting you to get into the trap of the old rate, so he can keep more of your money to himself.

Look up, I know you won't believe that your trusted and tested exchanger may

be doing you bad.

So, in order to help you I will give you a safe option.


� Always visit this website ( makeer ) to check the current rate top payoneer funds exchanger are giving.

The site updates to the current black market rate every single day, so always confirm the rate your exchanger tells you before moving on with the deal.

If your exchanger's own is lower, then you have a reason to leave.



















Another obvious sign you need to be aware of is



2. If your exchanger is acting suspicious after you ask him for rate, then you need to reconsider.


Think about how your exchanger makes you feel whenever you want to deal with him, and decide if this applies to him.

If it does, normalize going to verify your exchangers rate at www.abc.com before dealing with him again to avoid ripping.

Another alarming sign you need to take note of is,

3. No DP Goons.

We all know them, they don't like using profile picture on whatsapp.

Most people trust them after making 20 transactions with them, but I stopped trusting them the day one started asking me questions about my payoneer account.

I want you to understand that it is easy to stay loyal when they are making just consistent #20k from you.

But after building trust enough, and you want to exchange about $5,000 which is

#4 million in naira.

Do you think this kind of person who has no means of identification and have nothing to lose will still remain loyal?

Absolute Not.

There is no exchanger who won't do the calculation of the #20k's they will have to make before making the #4 million.

And exchanging $1,000 $3,000, $7,000 dollars within the next few months is inevitable for you, base on believing.

So, you better take note of who you are building trust with and make sure it is not someone hidden behind blank profile.


Understand that $500 is not $2K, and such person won't care about the recurrent #20K from you when he can take away #1.6 million at once.


Even, just #500k

So my advice?

Stop dealing with any exchanger who has no means of identification.

Your suspicions might be right ⚠️


Incase you are wondering,
Who do I recommend?


I recommend anybody who makes his profile available in public

And also uses the standard rate as it is on the black narket rate website ( makeer )

I know that is not the response you were expecting,

Click here to message the fastest and award winning exchanger In Nigeria.

He is the one most of my freelancer friends also use. So, you can rely on him.

Let's move on,







Another obvious sign you need to be aware of is,

4. If the rate is constant within 3 funds exchange period.

Within the last one year, exchange rate has been fluctuating every single month.

During my research, I discovered that there is a league of exchangers who don't like calling out the newest rate 'because it may change tomorrow'.

So, they keep exchanging at the previous rate till they are sure that the new rate will maintain for few weeks.


These ones will tell what the rate is, but won't tell you untill they are sure the rate will be constant for a while.

While the reason they do this is not obvious to me,

I couldn't have done you any better favor but letting you know that they will still do the exchange with the current rate,

So why using the previous rate for you?

But guess what?

If naira increases a bit, this league of exchangers are the ones that post it first on their status.

So, is it fair to say they only care when they don't want to loose any cash, but doesn't care if you loose cash to them?


Do you notice this about your exchanger?

Then you don't want to keep being my old self who used to keep bursting his ass in front of computer, while an unfair exchanger is waiting for him to bring the share of his earning.

You don't want to keep loosing your hard earned money to exchangers who don't

care about you.

Would you like to connect with my personal dollar to naira exchanger?

Click here to meet him on whatsapp.

Note: He is most likely to be the one that sent you this, because I'm gifting this to him for being my best exchanger since January 2022.


�$20,000/month soon bro. So, make sure you're safe with your exchanger.

Your Sincerely,
Timileyin.