Dear @SEIFSIDI, You can receive payments even if you don't have a card. The default option to access your earnings is to withdraw to your bank account, the option to order a card becomes available once you start receiving payments.
For further information about how to receive funds to your Payoneer account, click here
Please use the following link; http://blog.payoneer.com/how-to-add-funds-to-your-payoneer-account-payoneer/
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