it's true . payoneer dropped high risk business and sent it to firstchoice pay and with help of choice bank they created this payment solution for specific limited market . payoneer focus on mainstream for them to jump with firstchoice in same boat they needed card issuer/ bank to accept two different two markets which was possible at choice bank . firstchoice couldn't move quick like payoneer so they stuck with what happened in choicebank and they don't inform the customers to withdraw the funds .