Hi Chris. Thanks for posting.
The main purpose of Payoneer is to receive payments from partners of ours (companies/sites that pay with Payoneer, such as Envato), or via our US Payment Service. We currently do not offer payment processing services.
What you refer to above is called our Private Load Service, which allows you to receive payments to your card via Visa, MasterCard, JCB and Discover. This service is only available to Payoneer cardholders that are active in receiving payments via either of the methods I listed above.
As a fully regulated US company, we're required to follow strict regulations when processing private loads. When a load is made, it may take us up to 1 business day to review and approve it. It is then funded within 2 business days of approval. In some cases, we may require additional verification from the loader (such as ID and confirmation of the method of payment). Once a loader has provided this information once, it will not be requested from them again.
As I mentioned, this is not intended to be a payment processing service, and so there is no way to integrate it as a checkout method on a site. You can provide a direct link with your e-mail already filled in, but the loader will still need to enter the payment details themselves. For example: https://load.payoneer.com/LoadToPage.email@example.com (and you fill in your e-mail).
On a side note, the US Payment Service I mentioned allows you to receive US direct deposit payments to your card from select companies, such as PayPal, Skrill, and more (full list at http://www.payoneer.com/USPService.aspx). The way it works is that we provide you with a US account/routing number associated to your card, and all payments sent to that US payment service number are automatically loaded to your card. I'd be more than happy to answer any questions regarding that service.
Nissim | Payoneer Community Manager | payoneer.com