Terrible experience. There is no real customer support, only a chatbot that blocks you for 60 minutes if it does not understand your question. Transfers stay pending for 5 days, leaving you unable... See more
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I gave it 5 star cause after signing up on garna last year, it became one of my favorite app to receive payments from global companies... garna is user friendly and easy to access. The customer servic... See more
Company replied
There difficulties to Transferring the Payments, I’m an Indian customer We Use World Class UPI system. You guys still using 200 years old Technology in 21st Century. Please Upgrade yourself. Integrate... See more
Company replied
Garna is a convenient and easy-to-use service. The interface is clear, transactions are processed smoothly, and everything works as expected. I appreciate the simplicity of the app and how straightfor... See more
Company replied
Company details
Written by the company
Garna.io is a platform for making international payments to freelancers and contractors. We help companies around the world pay remote professionals quickly, legally, and with minimal fees. With Garna, there’s no need to open a foreign legal entity or navigate complex currency controls - we handle everything from contract generation to final payouts. The platform supports transfers to over 150 countries via more than 10 methods, including bank wires and cryptocurrency. Our clients include digital agencies, tech companies, educational platforms, Web3 teams, and other businesses working with distributed teams. We automate contractor onboarding, provide legally compliant agreements, and ensure transparent financial reporting. We focus on reliability, transparency, and flexibility. Our support team is always ready to assist, and payout fees depend on the chosen withdrawal method - everything can be customized. Garna makes paying your international team simple, safe, and efficient.
Contact info
Aiantos, 22, Agioi Omologites, 1082, Nicosia, Cyprus
- hello@garna.io
- garna.io
3.5
Average
33 reviews
Replied to 88% of negative reviews
Typically replies within 1 week
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Scammers!
Scammers!
Do not use garna.io under any circumstances.
They took money from different transactions of mine
March 5, 2026
Unprompted review
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Withdrawal Issues and Unhelpful Support
I’ve been trying to withdraw my funds, but the payment simply isn’t going through. It’s been quite frustrating because there is no clear explanation for the delay.
What made the situation worse was the response from customer support. Instead of providing any concrete help or timeline, I was basically told to just wait and hope that the money would arrive at some point. That kind of response feels unprofessional and dismissive, especially when it comes to someone’s funds.
At this stage, I’m left uncertain if or when I will actually receive my money. This experience has seriously affected my trust in the platform.
April 13, 2026
Unprompted review
Reply from Garna
We sincerely apologize for the ongoing withdrawal issues and the unhelpful response you received from our support team. We completely understand how frustrating and concerning it is to be left without clear answers about your own funds.
Please contact us directly at support@garna.io with your account and transaction details. We will personally investigate the delay, provide you with a clear update, and do everything possible to resolve the issue promptly. We are committed to restoring your trust and improving your experience.
Thank you for your honest feedback and patience.
Best regards,
The Garna Team
Terrible experience.
Terrible experience.
There is no real customer support, only a chatbot that blocks you for 60 minutes if it does not understand your question. Transfers stay pending for 5 days, leaving you unable to access your own money. Even when a transfer is promised within 1 hour, the money still does not arrive on time.(for 4 days as NEW!)
If a company takes responsibility for handling other people’s money, it should provide reliability, accountability, and strong guarantees. This service does not.
I do not recommend it.
April 13, 2026
Unprompted review
Reply from Garna
We sincerely apologize for the frustration you've experienced. Some delays were caused by circumstances beyond our control, but we take full responsibility for how they affected you. Please know that we are doing everything we can to improve both payment speed and support response time. If you're still facing issues, reach out to us at support@garna.io — we will prioritize your case. Thank you for your patience. Best regards, The Garna Team
Horrible service
I made a withdrawal over a week ago, and the money still hasn’t arrived. I work with clients who pay me through Ghana, so I first tested it with $50 to make sure everything worked — that went through fine. After that, I sent a larger amount, and now it’s completely stuck.
There is no proper support available, no updates, and no way to get help. This is extremely unprofessional and frustrating.
Absolutely terrible service. If I could give zero stars, I would.
March 31, 2026
Unprompted review
Reply from Garna
Hello! We sincerely apologize for the delay with your withdrawal. We understand your frustration, especially after your first test transfer worked without issues.
To resolve this as quickly as possible, we strongly encourage you to reach out directly to our support team at support@garna.io with your transaction details. This is the most effective way to get help, and we truly want to assist you and improve your experience.
Thank you for your patience and for giving us a chance to make things right.
Best regards,
The Garna Team
Last updates made it bad.
Nice app for getting payed when working remotely. However, the fact that it doesn't have P2P transactions anymore makes it a little useless for me.
March 9, 2026
Unprompted review
Reply from Garna
Hello! Thank you for your feedback and for being a part of Garna.
We're glad to hear that you found the app useful for receiving payments while working remotely. You're right — we've recently updated our P2P transfer policy. P2P transactions are now limited to users within the same company network. Transfers to users outside your organization are no longer supported as part of our current partnership terms.
We understand this change may affect how you use the app, and we truly appreciate your understanding. If you have any questions or need assistance with alternative transfer methods, feel free to reach out to us at support@garna.io.
Best regards,
The Garna Team
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Scam – Money Not Received
I used Garna to receive a payment, but the money never arrived. This is extremely concerning because payment platforms are supposed to handle transactions reliably.
I have been waiting for the payment and still have not received the funds. Situations like this make the platform feel unreliable, especially when real money is involved.
Until this issue is resolved and the payment is delivered, I cannot recommend using this service.
January 19, 2026
Unprompted review
Reply from Garna
Hello,
We sincerely apologize for the delay and frustration. We see that the funds were returned to your balance after being rejected by the recipient's bank. You can now withdraw them using another available method.
We hope this resolution encourages you to reconsider your review. If you need assistance, please contact support@garna.io.
Best regards,
The Garna Team
ISSUE RESOLVED: Payment Received - Thank you Support
UPDATE (Feb 16, 2026):
The issue has been fully resolved. Garna support successfully verified my account and my payment of $250+ has been received in full. I appreciate that the team stepped in to fix the verification loop I was stuck in. For other creators: the process was difficult at first, but they are legitimate and they do pay. I am updating my rating to 4.1 stars to reflect this positive resolution. Thank you.
ORIGINAL REVIEW (Feb 12, 2026):
I am a creator on Higgsfield and Garna/McPay is currently holding over $250 of my earnings hostage. This has been a 10-day nightmare.
Their verification process is broken, and their support team (Stacy, Kate, etc.) is either nonexistent or incompetent.
The Loop of Hell: I have submitted valid legal documents (Passport, Bank Direct Deposit Forms, Physical Bank Letters). They reject them instantly with generic 'not suitable' messages without reading them.
Broken App: The app locks you out with a 'Limit Reached' error, the web chat is broken, and support tells you to 'use the chat' when the chat is disabled.
Robotic Support: I have sent 10+ emails explaining a simple name mismatch error on their end. They ignore the text and send copy-paste replies asking for documents I already sent.
They treat legitimate users like criminals. My identity is verified (Green light), but they refuse to verify my address or fix a simple profile error, effectively stealing my funds.
February 9, 2026
Unprompted review
Reply from Garna
Hello Miguel,
Thank you for your honest feedback. We are genuinely sorry for the frustration and delays you've experienced throughout this verification process — we completely understand why you feel the way you do.
We want to be transparent about what happened. You submitted a valid ID from Guatemala, but your profile listed the United States as your country of residence. To meet security and compliance requirements, we must verify the address in such cases. Unfortunately, the documents you provided for the US address did not meet the necessary criteria, which led to repeated requests and prolonged the conversation.
Please know that we weren’t ignoring you — we were trying to find the right solution. As of now, we have verified your profile based on Guatemala, your country of ID. We truly hope this resolves the issue and allows you to use the platform without further trouble.
We also hope that this positive resolution may encourage you to reconsider your review. If anything still isn’t working, please reach out directly to support@garna.io — we’re here to help.
Sincerely,
The Garna Team
My withdrawl is pending since 15 days…
Update - It is resolved finally now.
My withdrawl is pending since 15 days now.
February 2, 2026
Unprompted review
Reply from Garna
Hello!
Thank you very much for taking the time to update your review after the successful resolution of your withdrawal issue. We truly appreciate when users share both their concerns and positive outcomes.
It's important for us that your experience with Garna remains reliable and convenient. If you have any questions or suggestions in the future — we are always here to help at support@garna.io.
Best regards,
The Garna Team
Dear Garna Support Team,
Dear Garna Support Team,
I hope this message finds you well.
I am writing to inform you that my KYC verification has unfortunately failed, despite my having submitted all the required documents and carefully completing the entire verification process as per your guidelines.
I am an influencer and content creator, and I recently received a collaboration payment from Higgsfield. While attempting to complete my KYC on the Garna platform for this payment, the verification was marked as failed. I am unable to understand the reason for this failure, as no specific explanation was provided.
I would like to highlight that I have successfully received multiple collaboration payments from Higgsfield through PayPal in the past, and I have never faced any KYC-related issues there. This is why the repeated KYC failures on Garna are quite confusing and concerning. I believe that if all required and valid documents are submitted, the process should be smoother and more transparent to ensure a better user experience.
I have ensured that all uploaded documents were clear, valid, and accurate according to your requirements. Therefore, I kindly request you to please review my KYC submission once again and inform me of the exact reason for the rejection. If any document needs to be re-uploaded or if any correction is required from my side, I will complete it immediately.
Your support and guidance in resolving this issue would be highly appreciated. I look forward to your response and a prompt resolution.
Thank you for your time and assistance.
Best regards,
Nirmal Singh
January 27, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your feedback. We have already responded to it earlier — please do not duplicate messages.
We genuinely want to help you. To resolve your issue as effectively as possible, please contact our support team directly at support@garna.io.
Best regards,
The Garna Team
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There difficulties to Transferring the…
There difficulties to Transferring the Payments, I’m an Indian customer We Use World Class UPI system. You guys still using 200 years old Technology in 21st Century. Please Upgrade yourself. Integrate some QR and UPI technologies in your app, Okay?
January 27, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your feedback and for sharing your suggestion regarding UPI and QR-based payment integration. We value input from our users in India and understand the importance of convenient, modern payment methods.
We would like to assure you that Garna utilizes contemporary and secure payment systems for transfers. Your proposal to integrate UPI and QR technology has been noted and will be forwarded to our product development team for consideration as part of our future upgrade planning.
We appreciate your engagement and are committed to continuously improving our service to better meet the needs of all our users.
Best regards,
The Garna Team
Garna is the gem of all payment methods!
I have never found a payment method that allows me to directly withdraw/ send funds directly to bank account in Ethiopia. But with Garna, it`s possible. Garna is the gem of all payment methods!
January 26, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your positive feedback and for recognizing Garna as a convenient payment solution for Ethiopia. We are pleased to know that our service meets your needs for direct bank transfers.
We remain committed to providing secure and accessible financial services in your region. If you have any questions or require assistance in the future, please contact us at support@garna.io.
Best regards,
The Garna Team
Good quality and fast services
Good quality and fast services. Low transaction fees.
January 26, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your positive feedback! We are very pleased to hear that you appreciate the quality, speed, and low transaction fees of our service.
Our team continuously works to maintain high standards and efficiency. If you ever have any questions or suggestions, feel free to reach out to us at support@garna.io.
Best regards,
The Garna Team
At first it shows minimum withdrawal on…
At first it shows minimum withdrawal on paypal is 20$ but not it shows 200$what type of service is this, very disappointing. 😡
January 25, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your feedback. We sincerely apologize for the inconvenience caused by the change in the minimum withdrawal limit to PayPal.
The increase was due to temporary restrictions imposed by our payment provider. We have since successfully lowered the limit back to a more convenient level.
We hope this positive change will encourage you to reconsider your review. If you have any further questions or need assistance, please feel free to contact us at support@garna.io.
Best regards,
The Garna Team
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Dear Garna Support Team,
Dear Garna Support Team,
I hope this message finds you well.
I am writing to inform you that my KYC verification has unfortunately failed, despite my having submitted all the required documents and carefully completing the entire verification process as per your guidelines.
I am an influencer and content creator, and I recently received a collaboration payment from Higgsfield. While attempting to complete my KYC on the Garna platform for this payment, the verification was marked as failed. I am unable to understand the reason for this failure, as no specific explanation was provided.
I would like to highlight that I have successfully received multiple collaboration payments from Higgsfield through PayPal in the past, and I have never faced any KYC-related issues there. This is why the repeated KYC failures on Garna are quite confusing and concerning. I believe that if all required and valid documents are submitted, the process should be smoother and more transparent to ensure a better user experience.
I have ensured that all uploaded documents were clear, valid, and accurate according to your requirements. Therefore, I kindly request you to please review my KYC submission once again and inform me of the exact reason for the rejection. If any document needs to be re-uploaded or if any correction is required from my side, I will complete it immediately.
Your support and guidance in resolving this issue would be highly appreciated. I look forward to your response and a prompt resolution.
Thank you for your time and assistance.
Best regards,
Sanjeev Sah
January 24, 2026
Unprompted review
Reply from Garna
Dear Sanjeev,
Thank you for your detailed message and for sharing your experience as a content creator. We sincerely apologize for the inconvenience and lack of clarity regarding your KYC verification.
Documents may be declined for various compliance or technical reasons, such as image clarity, data consistency, or specific regulatory requirements. Our support team can provide exact clarification and guide you on the necessary steps to complete verification successfully.
Please contact us directly at support@garna.io with your account details. We will promptly review your case, explain the specific reason for the decline, and assist you in resolving this quickly.
Our goal is to ensure both security and a smooth user experience, and we are committed to helping you finalize your verification so you can access your funds without delay.
Best regards,
The Garna Team
Reliable and quick
January 24, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your positive and concise feedback. We are pleased to know that you find Garna reliable and fast.
Our team is committed to maintaining this standard of service and efficiency. If you ever need assistance or have suggestions, please contact us at support@garna.io.
Best regards,
The Garna Team
looks easier but complicated details
looks easier but complicated details, showing challange for no reason. just asking personal informations..
January 24, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your feedback. We appreciate you sharing your perspective on our verification process.
We strive to make Garna as user-friendly as possible while ensuring the highest level of security for all transactions. The personal information requested is required by financial regulations and is essential for protecting both your account and our platform from fraud.
If you have any concerns about the process or need assistance completing it, our support team is here to help. Please contact us at support@garna.io, and we'll guide you step by step.
Best regards,
The Garna Team
Garna is a convenient and easy-to-use…
Garna is a convenient and easy-to-use service. The interface is clear, transactions are processed smoothly, and everything works as expected. I appreciate the simplicity of the app and how straightforward it is to manage funds and transfers. Overall, a reliable platform that does its job well and keeps improving with updates.
January 23, 2026
Unprompted review
Reply from Garna
Hello!
Thank you for your detailed and positive assessment of Garna. We are pleased to know that you find our service convenient, our interface clear, and our transactions reliable.
Your feedback on the platform’s functionality and continuous improvement is valuable to us. We remain committed to maintaining and enhancing the quality of our service.
If you have any further suggestions or require assistance, please contact us at support@garna.io.
Best regards,
The Garna Team
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Reply from Garna
Hello!
Thank you for your positive feedback. We are pleased to know that you are satisfied with Garna.
If you have any questions or suggestions in the future, please do not hesitate to contact our support team at support@garna.io.
We wish you continued success and reliable service.
Best regards,
The Garna Team
Request to Update Legal Data via Parental Consent (Minor Account)
Hello Support Team,
Thank you for your message.
I understand that my account is classified as a minor account based on the current date of birth (15-01-2009).
I am not requesting to change my age classification.
I would like to proceed with verification through the parental consent process and request your guidance to update my legal data accordingly, if required, after submitting the parental consent form and supporting documents.
Please confirm:
Whether any legal data needs to be corrected after parental consent submission, and
If verification using a government-issued ID card (instead of passport) for my parent/legal guardian is acceptable.
I am ready to provide all required documents as per your instructions.
Thank you for your assistance.
Regards,
Sujeet Kumar
January 23, 2026
Unprompted review
Reply from Garna
Hello Sujeet,
Thank you for your detailed message and your cooperation.
You are correct — no changes to your legal data are required after submitting parental consent. The purpose of the consent form is solely to confirm permission from your parent or legal guardian for you to use our service.
A government-issued ID card for your parent or guardian is generally acceptable for this process. For precise guidance and to ensure all documents meet our verification requirements, we strongly recommend contacting our support team directly at support@garna.io.
They will provide you with step-by-step instructions and assist you throughout the verification process.
Best regards,
The Garna Team
I gave it 5 star cause after signing up…
I gave it 5 star cause after signing up on garna last year, it became one of my favorite app to receive payments from global companies... garna is user friendly and easy to access. The customer services are fast to resolve issues if any and that's the best part.
January 1, 2026
Unprompted review
Reply from Garna
Thank you for your positive feedback and high rating. We are pleased to know that you find Garna user-friendly and effective for receiving international payments, and that our customer service has met your expectations.
We value your trust and will continue to work on maintaining reliable and efficient service. Should you require any assistance in the future, please contact us at support@garna.io.
Best regards,
The Garna Team
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