---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-002350"
form_type: "8-K"
ticker: "PAYO"
cik: "0001845815"
company_name: "Payoneer Global Inc."
filed_at: "2023-02-28T23:59:59+00:00"
generated_at: "2026-06-18T22:45:02.433262+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Payoneer reports record Q4 revenue $183.6M (+32% YoY); FY revenue $627.6M (+33%); guides FY23 revenue $800-810M

## Summary
- Q4 revenue $183.6M (+32% YoY); FY revenue $627.6M (+33% YoY). Net loss Q4 $10.2M, FY $12.0M.
- Adjusted EBITDA Q4 $10.6M (-22% YoY) but FY $48.5M (+72% YoY). FY23 guidance: revenue $800-810M, adj. EBITDA $120-130M.
- Volume $16.9B in Q4 (+5% YoY), $61.3B for FY (+8%). Take rate 109 bps Q4, 102 bps FY.
- B2B AP/AR volumes up 39% YoY; Commercial Mastercard usage up 3-fold; transaction costs as % of revenue down 380 bps.
- Leadership: John Caplan to become sole CEO; Bea Ordonez to become CFO. Received e-Money license in UK, Singapore license approval in principle.

## SEC filing metadata
- accession: 0001558370-23-002350
- form_type: 8-K
- ticker: PAYO
- cik: 0001845815
- company_name: Payoneer Global Inc.
- filed_at: 2023-02-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1845815/000155837023002350/0001558370-23-002350-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1845815/000155837023002350/payo-20230228x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-002350
- JSON: https://secwatch.observer/filing/0001558370-23-002350.json
- Plain text: https://secwatch.observer/filing/0001558370-23-002350.txt

## Key facts
- Earnings Releases
  Payoneer Global Inc. updated its the fiscal quarter and year ended December 31, 2022 guidance (reaffirmed).
  - Period: the fiscal quarter and year ended December 31, 2022
  - Guidance: reaffirmed
  - Result: reported results
  source text: On February 28, 2023, Payoneer Global Inc. issued a press release announcing its financial results for the fiscal quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1845815/000155837023002350/0001558370-23-002350-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.