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Colombia
13840 qty
2.44% Delivery
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Austria
132886 qty
4.03% Delivery
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Israel
2157 qty
2.89% Delivery
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Argentina
2412 qty
2.66% Delivery
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United Kingdom
253025 qty
3.27% Delivery
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Japan
49 qty
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Nepal
5273 qty
5% Delivery
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Spain from $ 3.63
26559 qty
Delivery Deliv.
Quantity
Price
100%
ID 162
162
2 qty
100%
ID 185
185
3 qty
All prices 5
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United Arab Emirates
9421 qty
15.19% Delivery
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Mauritania
698 qty
2.05% Delivery
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Romania
25840 qty
22.02% Delivery
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Cape Verde
25016 qty
13.54% Delivery
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Kazakhstan from $ 0.75
87169 qty
Delivery Deliv.
Quantity
Price
12.32%
ID 145,146,147,191,62,65,66,69,70,98,99
145,146,147,191,62,65,66,69,70,98,99
6771 qty
ID 11,161,4
11,161,4
3188 qty
All prices 6
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Chile from $ 0.43
10105 qty
Delivery Deliv.
Quantity
Price
20.5%
ID 148,159,93,97
148,159,93,97
2157 qty
16.67%
ID 145,146,147,196,62,65,66,69,70,98,99
145,146,147,196,62,65,66,69,70,98,99
307 qty
All prices 7
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Swaziland
45 qty
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New Caledonia
19 qty
100% Delivery
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Tunisia
25029 qty
4.02% Delivery
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Kuwait
25018 qty
1.55% Delivery
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Algeria
25030 qty
2.91% Delivery
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Mexico
4672 qty
12.52% Delivery
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Sweden
40 qty
30% Delivery
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Brunei Darussalam
144 qty
32.58% Delivery
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Oman
25014 qty
6.28% Delivery
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Kyrgyzstan
276 qty
0.17% Delivery
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Montenegro
88 qty
7.14% Delivery
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Latvia
26363 qty
10.03% Delivery
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Albania
13337 qty
7.43% Delivery
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Trinidad and Tobago
25018 qty
9.55% Delivery
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Thailand from $ 0.6
30105 qty
Delivery Deliv.
Quantity
Price
25.24%
ID 111,126,143,145,146,147,15,163,37,59,62,65,66,69,7,70,8,98,99
111,126,143,145,146,147,15,163,37,59,62,65,66,69,7,70,8,98,99
35972 qty
20%
ID 11,161,162,185
11,161,162,185
19 qty
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Bahrain
7275 qty
11.34% Delivery
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Uzbekistan
25752 qty
12.59% Delivery
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Seychelles
338 qty
15.46% Delivery
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Finland
704 qty
20% Delivery
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Poland
25775 qty
20.19% Delivery
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Jamaica
25022 qty
1.47% Delivery
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Turkey
34855 qty
30.86% Delivery
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Saint Lucia
183 qty
0.48% Delivery
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Norway
515 qty
25% Delivery
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Grenada
230 qty
10% Delivery
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Azerbaijan
1498 qty
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Guadeloupe
712 qty
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Slovenia
25297 qty
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Belgium
909 qty
1.67% Delivery
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Ireland
1546 qty
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Moldova
25016 qty
15.08% Delivery
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Saint Vincent
167 qty
29.41% Delivery
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Papua new gvineya
25012 qty
0.6% Delivery
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Botswana
26948 qty
1.39% Delivery
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Netherlands
57781 qty
Available only by API
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Afghanistan
25018 qty
3.01% Delivery
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Serbia
25516 qty
0.69% Delivery
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Belize
137 qty
11.54% Delivery
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Belarus
5444 qty
0.57% Delivery
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Jordan
10555 qty
6.31% Delivery
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Armenia
1240 qty
Available only by API
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Bulgaria
26191 qty
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Hungary
722 qty
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Bosnia and Herzegovina
701 qty
2.23% Delivery
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Bahamas
151 qty
12.2% Delivery
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Greece
2371 qty
11.77% Delivery
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Honduras
12698 qty
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Georgia
2746 qty
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Nicaragua
3655 qty
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Hong Kong from $ 0.69
28995 qty
Delivery Deliv.
Quantity
Price
1.22%
ID 111,126,15,168,184
111,126,15,168,184
11919 qty
ID 148,159,83,93
148,159,83,93
901 qty
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Cayman islands
515 qty
100% Delivery
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Saudi Arabia from $ 0.59
5219 qty
Delivery Deliv.
Quantity
Price
ID 11,111,12,126,145,146,147,15,162,191,62,65,66,69,70,98,99
11,111,12,126,145,146,147,15,162,191,62,65,66,69,70,98,99
3693 qty
ID 4
4
332 qty
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Turkmenistan
8186 qty
Available only by API
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Cyprus
27856 qty
11.11% Delivery
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Estonia
4943 qty
5.56% Delivery
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Croatia
25059 qty
2.36% Delivery
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Peru
315153 qty
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India
25034 qty
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Ecuador
25030 qty
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Saint Kitts and Nevis
2062 qty
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Morocco
3033 qty
0.57% Delivery
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Kenya
52194 qty
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Somalia
49 qty
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Vietnam
3941 qty
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Malawi
25905 qty
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Tajikistan
27959 qty
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Pakistan
25021 qty
0.74% Delivery
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Iraq
2104 qty
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DR Congo
2941 qty
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Mali
1819 qty
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South Africa
14458 qty
0.39% Delivery
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Senegal
1406 qty
0.41% Delivery
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Bolivia
25914 qty
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Zambia
1504 qty
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Sierra Leone
27285 qty
0.11% Delivery
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Bangladesh
733 qty
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Myanmar
1789 qty
0.18% Delivery
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Tanzania
1416 qty
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Yemen
2369 qty
0.06% Delivery
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Egypt
879 qty
0.48% Delivery
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Panama
25931 qty
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Angola
1600 qty
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USA
57663 qty
38.4% Delivery
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Libya
1469 qty
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Australia
28329 qty
7.86% Delivery
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France
7526 qty
35.72% Delivery
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Canada
150226 qty
3.49% Delivery
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Indonesia
25074 qty
0.51% Delivery
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Ukraine
1224 qty
40.83% Delivery
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Germany from $ 2.69
3825 qty
Delivery Deliv.
Quantity
Price
19.23%
ID 120,162
120,162
984 qty
5.58%
ID 145,146,147,194,196,62,65,66,69,70,98,99
145,146,147,194,196,62,65,66,69,70,98,99
1370 qty
All prices 3
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Liberia
25808 qty
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Nigeria
1894 qty
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Haiti
924 qty
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Uganda
1025 qty
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Mongolia
25894 qty
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Chad
27185 qty
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Ethiopia
844 qty
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Malaysia
2791 qty
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Philippines
3972 qty
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Cameroon
1239 qty
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Gambia
27589 qty
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Lebanon
911 qty
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Sri Lanka
1007 qty
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Timor-Leste
940 qty
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Comoros
1778 qty
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Dominican Republic
962 qty
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Guinea
2444 qty
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American Samoa
few
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Anguilla
17 qty
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Antigua and Barbuda
124 qty
32.5% Delivery
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Aruba
1030 qty
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Barbados
5748 qty
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Benin
25286 qty
7.15% Delivery
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Bermuda
few
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Bhutan
21 qty
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Brazil
33781 qty
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Burkina Faso
25007 qty
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Burundi
26368 qty
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Cambodia
27942 qty
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Central African Republic
77 qty
2.78% Delivery
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China
513 qty
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Costa Rica
844 qty
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Cuba
few
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Czech Republic
28711 qty
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Denmark
5397 qty
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Djibouti
17 qty
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Dominica
14 qty
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Equatorial Guinea
25187 qty
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Eritrea
883 qty
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French Guiana
few
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Gabon
25924 qty
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Ghana
904 qty
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Gibraltar
few
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Guatemala
25963 qty
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Guinea-Bissau
26659 qty
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Guyana
19105 qty
14.54% Delivery
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Iceland
46 qty
25% Delivery
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Italy
55263 qty
10% Delivery
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Ivory Coast
25007 qty
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Kosovo
few
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Lao People`s
27490 qty
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Lesotho
25873 qty
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Lithuania
25824 qty
25% Delivery
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Luxembourg
25032 qty
25% Delivery
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Macao
617 qty
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Madagascar
12 qty
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Maldives
25743 qty
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Mauritius
27316 qty
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Monaco
730 qty
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Montserrat
18 qty
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Mozambique
25930 qty
1.39% Delivery
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Nambia
25019 qty
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New Zealand
2180 qty
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Niger
912 qty
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Niue
few
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North Macedonia
56 qty
7.14% Delivery
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Paraguay
25017 qty
4.5% Delivery
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Portugal
26614 qty
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Puerto Rico
140 qty
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Qatar
5235 qty
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Republic of the Congo
788 qty
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Reunion
15 qty
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Rwanda
25872 qty
0.96% Delivery
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Salvador
25005 qty
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Samoa
few
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Sao Tome and Principe
3023 qty
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Slovakia
25923 qty
8.61% Delivery
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South Sudan
822 qty
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Suriname
25013 qty
17.5% Delivery
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Switzerland
1304 qty
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Syria
few
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Taiwan
322 qty
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Togo
27861 qty
4.42% Delivery
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Tonga
few
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USA (2)
23291 qty
29.56% Delivery
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Uruguay
25016 qty
22.23% Delivery
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Venezuela
950 qty
19.05% Delivery
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Zimbabwe
903 qty

Best Payment Platform for Freelancers in Nigeria – PayPal or Payoneer?

It’s 11:47 p.m. in Lagos. Your client in New York just hit “Send Payment.” As a freelancer, this moment is both satisfying and slightly nerve-wracking. The money is out there in digital limbo — but how it arrives in your hands depends on the platform you choose.

In Nigeria, two giants dominate the global payment scene for freelancers: PayPal and Payoneer. Both promise to bridge continents, but they do so in very different ways.

Understanding the Basics

PayPal is globally recognized, widely accepted by marketplaces, and offers instant transfers between accounts. However, in Nigeria, PayPal withdrawal options are limited, and conversion to naira often comes with steep fees and weaker exchange rates.

Payoneer, on the other hand, focuses on cross-border business payments. It gives you a virtual USD, EUR, or GBP account, making it easier to get paid in foreign currency and withdraw through Nigerian banks with more control over exchange rates.

Payoneer vs PayPal Fees Nigeria

One of the first questions freelancers ask is about cost.

  • PayPal: Charges a transaction fee (often around 4.4% + fixed fee) plus currency conversion charges, which can be 3–4% above market rates.
  • Payoneer: Charges 1% for receiving USD payments from clients and $1.50–$3 for local withdrawals. Exchange rates are usually closer to market value.

Verdict: For large payments, Payoneer often means keeping more of your money.

Which is Better PayPal or Payoneer for Freelancers?

It depends on your workflow:

  • Choose PayPal if your clients use platforms that only support PayPal or if you need quick peer-to-peer transfers.
  • Choose Payoneer if you want better control over currency conversion, lower withdrawal fees, and multiple currency accounts.

Many Nigerian freelancers actually keep both accounts to cover all client preferences.

PayPal for Freelancers Nigeria – Strengths and Weaknesses

Strengths:

  • Wide global acceptance
  • Instant transfers between PayPal users
  • Easy integration with major freelance marketplaces

Weaknesses:

  • Limited direct withdrawal to Nigerian banks
  • High conversion fees
  • Some payment holds for new accounts

Payoneer for Freelancers Nigeria – Strengths and Weaknesses

Strengths:

  • Multiple currency accounts (USD, EUR, GBP)
  • Better exchange rates when withdrawing
  • Local bank transfers in naira

Weaknesses:

  • Slightly slower transfer times (1–2 days for bank withdrawals)
  • Less universal acceptance compared to PayPal for small one-off transactions

Exchange Rates – The Silent Factor

In the PayPal vs Payoneer exchange rates debate, Payoneer generally offers rates closer to the real market rate. This can mean a difference of thousands of naira over multiple transactions.

A Note on Privacy-Friendly Registration

Some services, including certain payment platforms, allow registration without a personal phone number when using tools like Nigerian virtual number for PayPay or Payoneer via Grizzly SMS. This is useful for freelancers who value privacy or want to test a service before committing.

Virtual number for PayPal

FAQ
Can I have both PayPal and Payoneer in Nigeria?
Yes, many freelancers use both to cover different client needs and payment scenarios.
Which platform is faster for withdrawals?
PayPal is faster for account-to-account transfers, but Payoneer may be faster for direct withdrawals to Nigerian bank accounts in USD.
Which is cheaper for large payments?
Payoneer usually has lower fees and better exchange rates for large transactions.
Can I link Payoneer to PayPal?
Yes, some users link their Payoneer virtual bank account to PayPal for indirect withdrawals, though it requires careful setup.
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