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Yearly Fee

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Hello Dear All, I just Received my Payoneer card few days ago and don't load yet. Now i want to know that if i load dollar for 1st time for my need, will payoneer deduct 29 dollar for yearly fee. Or they will deduct it after one year. If i load only 25 dollar then is it possible to use it or payoneer freeze it for their yearly payment.

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