so ... with paxum you receive email that you got money on your paxum account, but then you have to login to paxum and send money from paxum account to paxum card, load your paxum card ... with payoneer, you receive email that you got money on payoneer, but you must click confirm link in email and then you have to load your card, first method takes two days and costs two usd, second choice takes up to two hours and costs five usd. then you are able to use your credit cards ... paxum sounds faster to me, but both sucks a bit as you have to load your cards manually ... good old epass ...
just wanted to share ...