I'm a Japanese language teacher. Which is more advantageous, Payoneer or PayPal? Which one do you all use? Especially if you're a Japanese language teacher, that would be helpful. This might not be the place to ask, but I'm not entirely clear on the fees. I've been using Payoneer for a long time, but it seems they'll start charging an annual fee starting February 23, 2026. On the other hand, does PayPal charge a separate currency conversion fee on top of the transaction fee? If so, the fees would become quite high. I can't quite figure out from the website whether exchange fees are separate from transaction fees or if they're the same thing. Currently, I have US dollars deposited into my Payoneer account and withdraw them in Japanese yen from my Japanese bank. Since there's a possibility of an annual fee being charged, I'm considering switching to PayPal.