Get paid faster.
Keep more. Spend globally.
Stop losing 2–4% to Payoneer on every payment. Toku gets you paid in 1 day at the real exchange rate — and lets you spend in USD anywhere with the Rain Card.
What you actually take home from a $5,000 payment
Side by side, after fees and FX markups. The numbers speak for themselves.
| Toku | Payoneer | Deel Contractor | Wise | |
|---|---|---|---|---|
| You receive | $4,975 | $4,750–$4,825 | $4,992.50 | $4,875–$4,950 |
| Fee charged to you | $25 (0.5%) | $75–$250 (1.5–3% + FX) | $7.50 withdrawal | $50–$125 (1–2.5% FX) |
| Hidden FX markup | None | 2% above mid-market | Variable | 0.5–2% |
| Withdrawal fee | None | $1.50–$3.15 | $5–$10 SWIFT | None |
| Time to receive | 1 business day | 2–5 business days | 2–3 business days | 1–2 business days |
| Spend card included | Yes — Rain Card | Yes (with fees) | Yes | Yes |
| You save vs. Payoneer | $50–$225 every payment | — | — | — |
Based on a $5,000 payment from a US-based client. Payoneer estimates assume avg 2% withdrawal fee + 2% FX markup. Actual results vary by currency pair.
Here’s how it works
Three steps. About 10 minutes total. Free for you to use.
Sign up free
Create your contractor account in under 5 minutes. No credit card required, no setup fees.
Invite your client
Send your client a link to pay you through Toku. They sign up free in 10 minutes — and start saving on their fees too.
Get paid + spend
Your client sends payment, you receive USD in 1 day, and tap to pay anywhere with your free Rain Card.
Get paid in USD.
Spend it anywhere.
Every Toku contractor account comes with a free Rain Card — physical and virtual. Hold dollars, then tap to pay in any currency at the real exchange rate.
- Free physical and virtual card
- Spend USD globally at the real rate
- Apple Pay and Google Pay supported
- No annual fee, no minimum balance
Sign up free.
Invite your client.
Create your account in under 5 minutes. Then send your client a link to pay you through Toku — they save too.
I switched from Payoneer to Toku and got paid the next day instead of waiting 5 days. The Rain Card means I can pay rent in pesos but keep my savings in dollars. Wish I'd found this sooner.
— Camila R., Software Contractor
Buenos Aires, Argentina