What link should I use to register a Payoneer account to withdraw money from Upwork so that the fees are minimal?

Question

Payment systems

I know that there are already enough questions on the withdrawal of funds from upwork through payoneer. But I still don’t understand exactly how much the commission is, because everyone gives different numbers.
My situation: about $4k has accumulated on the upwork, I have never withdrawn (waiting for free time to properly understand the issue of withdrawing funds). After googling, I came to the conclusion that it is necessary to withdraw money through payoneer, with further withdrawal of dollars at an Alfa-Bank ATM. They also say that it is not safe to keep a lot of money on an upwork account, because if a client complains, all money can be frozen and returned to the client.
Why not skrill: although he has less commissions, they say that he is unreliable, and here the amount is not small. Yes, and withdrawing dollars in cash later is problematic, if through an ATM, from skrill, you can withdraw about $270 at a time with a commission of 1.75% ("The limit for cash withdrawals at the ATM is 250 EUR/24h."). If you withdraw by interbank currency transfer, you can get a call from the bank and the resulting tax problems. Well, someone says that they can ban the account, and someone that there are no problems:

Why not PayPal: everything is clear here, you can’t withdraw money in dollars, you can either buy in foreign online stores for dollars, or withdraw to rubles with a horse commission.
Why not Wire Transfer: you have to pay taxes, with which there is no time and desire to bother.
Now about payoneer. This office does not indicate its commissions anywhere, payoneer answers all questions about commissions, they say, see the commissions in your personal account. But what is interesting, and what is not obvious from other questions and answers on this topic:
payoneer commissions depend on the partner through which the account was registered
. Namely, there is an opinion that the commissions are at least different if the account was registered directly from the Payoneer website. Com and if the account was registered via a link from upwork and similar sites:

If You Signed up Directly at Payoneer.Com
Card Fees
Annual Account Maintenance: $29.95 per year.
Card Replacement: $12.95 per card.
ATM/Cash Withdrawal or Transaction fees
ATM Withdrawal or Point of Sales: $3.15 per transaction.
ATM Decline Fee: $1 per transaction.
ATM Balance Inquiry Fee: $1 per transaction.
Note: The pricing and fees page doesn't display the “Foreign Transaction Fee” which is charged at a certain percentage of the withdrawal amount after 3.15 is deducted. The foreign transaction fee is 3% for this type of card.
If You Ordered Your Card from Sites like Elance
Card Fees
Card activation: $5 per card.
Loading Payments
Standard (Within 2 days): Free
Immediate (Within 2 hours): $2.50 per load.
Monthly Card Account Maintenance
If you did 0 to 1 transaction in the previous month: $3 monthly
If you did 2 or more transactions in the previous month: $1 monthly
Note: Monthly account fee is only deducted if you have balance in your account. If your balance is 0 then expect no fees. If you did 2 transactions and if you balance is $0.45 then expect a $0.45 fee. If your balance is $5 and you did no transaction expect a $3 fee.
Card Replacement: $12.95 per card.
ATM/Cash Withdrawal or Transaction fees
ATM Withdrawal or Point of Sales: $3 per transaction.
ATM Withdrawal or POS in the US: $1.35 per transaction.
PIN POS Transaction Decline: $0.90 per transaction failed.
Foreign Transaction Fee:1.8% of Total Amount
ATM Decline Fee: $0.90 per transaction.

And here is what commissions the pioneer shows when switching to it from upwork:

I highlighted in red the commission for crediting money to the pioneer (for free) and the commission for withdrawing from an ATM ($ 2.5 per transaction + an asterisk, which, they say, is equal to 1.8% of the withdrawal amount, I found the following information on the official forum of the pioneer: "There is a fixed fee for cashing out money, independent of the amount of withdrawal, to which a percentage of the amount of money received is added (if the money is received in local currency, the commission is up to 3.5%; and if in US dollars, then up to 1.8%).").
By the way, if you try to register directly from the pioneer’s website, the commissions are shown as follows:

Now I go to the upwork and see how much the upwork takes for withdrawing money to the pioneer:

That is, only two bucks per transaction, and, according to information from the Internet, there are no limits on the amount of one operation for crediting to the pioneer.
Summing up all the above commissions, all of which, except for one (1.8%), are found out from official sources, it turns out that the sizes of commissions are as follows:

• $2: takes upwork for transferring from upwork to pioneer and these are all upwork commissions
  
• free: pioneer accepts money for free, according to the first screenshot
  
• $2.5: when withdrawing money from an ATM, the pioneer first takes $2.5 commission, according to the second screenshot, after this commission someone takes another, the largest commission
  
• 1.8%: fee for "transactions originated in a country outside of the country of issuance", "assessed by" supposedly "MasterCard"
  

The total is $4.5 + %1.8, which is less than indicated in other sources. Some write more about the commission of %1 for crediting money to the pioneer.
In general, about the last commission, there are as many opinions on the Internet as there are people. Someone says that 3%, someone% 2.8, someone 2%, someone 1.8%, someone even says that this commission is 0% and the pioneer takes only a fixed commission for withdrawal.
And the worst thing is that all of them can be right, because the commission depends on which link was used to register an account in the pioneer. Here, for example, are several pioneer tariffs for other "partners", and there is not a word at all about the fact that "* There is a fee for transactions originated in a country outside of the country of issuance OR in a currency different than the card currency above all fees assessed by MasterCard.", but only "*surcharge may also be applied by your ATM/POS service provider":

Well, the question itself comes down to what link you need to register an account with the pioneer, so that the commissions are minimal (for withdrawal, let's $2k per month in Russia)?

Answer 1

Here you can read

Answer 2

Do not believe Skrill - withdraw in parts.
)))
This is how I brought it out for the first time.
It's funny. Sometimes it comes quickly, sometimes it takes a very long time ....
It's not funny for you to discuss a 2-dollar commission when you have 4000 on your account.

Answer 3

Upionera seems to be the same commissions everywhere, I have both through upwork regan and directly, pioneer does not take money for crediting money from upwork, only upwork 2 basks
when withdrawing in bucks, the commission of roofing felts is 2 or 3 bucks
when withdrawing new bucks, it will be taken in addition to 2- 3 bucks commission for converting 1-3 percent there you can guess, so it's better to withdraw bucks