Wise Business lets companies hold, send and receive money in 40+ currencies at the mid-market exchange rate, with local account details in major currencies — cutting the hidden markups traditional banks charge on international payments. Wise Business Payments is generally best suited to smb teams and buyers. Wise Business Payments is founded in 2015 and headquartered in Remote.
Integrations: Zapier|Salesforce|HubSpot|Slack|Shopify|Google
Support: Email|Live Chat|Documentation
Wise Business Payments is one of 102 Payment Gateways tools we track and compare on this site. Our editors currently rate it 4.7 out of 5, versus a 4.3/5 average across the category. On balance, its strongest points are real exchange rate, not a marked-up one and no monthly account fees, while the main trade-off buyers report is not a full business-bank-account replacement in every market. Its feature set centers on Mid-market exchange rate, Multi-currency business account, Local account details (GBP, USD, EUR & more), among others.
Wise Business Payments is rated 4.7/5 by our editors, above the 4.3/5 average across the 102 Payment Gateways tools we track. Pricing starts at From 0.41% per transfer, no monthly fee on a custom model, with a free trial available to test it first. It integrates with tools including Zapier|Salesforce|HubSpot|Slack|Shopify|Google. Support is offered via Email|Live Chat|Documentation.
If Wise Business Payments isn't quite the right fit, these are the other Payment Gateways tools we rate highest:
PayPal Braintree (rated 4.4/5) — Full-stack processor from PayPal supporting cards, PayPal, Venmo and local methods with strong marketplace and subscription tooling. Priced from Pay-per-transaction — see site, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly lower than Wise Business Payments by our editors.
PayMe (HSBC) (rated 4.9/5) — Hong Kong payments app Priced from Variable, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
PayEx (Swedbank) (rated 4.9/5) — Nordic payment gateway Priced from Custom, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
Worldpay (rated 4.9/5) — Global payment processing for enterprise Priced from Custom, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
Square (rated 4.4/5) — Payments plus POS ecosystem for small businesses — online checkout, invoices, terminals and instant onboarding. Priced from Pay-per-transaction — see site, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly lower than Wise Business Payments by our editors.
Opayo (Elavon) (rated 4.8/5) — UK payment gateway Priced from From £19.90/month, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
GoCardless (rated 4.3/5) — Specialist in bank-to-bank payments — direct debit, instant bank pay and recurring collection across UK, EU, US and beyond. Priced from Pay-per-transaction — see site, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly lower than Wise Business Payments by our editors.
Paidy (rated 4.8/5) — Japanese buy now pay later Priced from Variable, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
Authorize.net (rated 4.0/5) — Visa-owned gateway widely used by US SMBs — card processing, e-check, recurring billing and fraud tooling. Priced from See site for pricing, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly lower than Wise Business Payments by our editors.
PayGate (rated 4.8/5) — SA enterprise payment gateway Priced from Custom, versus From 0.41% per transfer, no monthly fee for Wise Business Payments. Rated slightly higher than Wise Business Payments by our editors.
See the full Wise Business Payments alternatives comparison →
Does Wise Business Payments offer a free tier?
Wise Business Payments does not currently offer a permanent free tier. A free trial is available if you want to test it before committing.
How much does Wise Business Payments cost?
Plans start at From 0.41% per transfer, no monthly fee on a custom pricing model.
What are Wise Business Payments's standout features?
The features our editors flag most: Mid-market exchange rate, Multi-currency business account, Local account details (GBP, USD, EUR & more), Batch payments & API.
What do people like about Wise Business Payments?
Reviewers most often point to: Real exchange rate, not a marked-up one; No monthly account fees; Transparent, published pricing; Fast international transfers.
What are the downsides of Wise Business Payments?
The most commonly cited drawbacks are: Not a full business-bank-account replacement in every market; Some transfer methods take longer than instant.
What's a good Wise Business Payments alternative?
For most buyers we'd point first to PayPal Braintree — see the full comparison above for how it stacks up on price and features.
Wise Business Payments is worth considering if you're evaluating Payment Gateways tools as a smb buyer. It's one of the higher-rated options we track in this category, so it's a reasonable starting point for a shortlist.Read the pros and cons above, and check the alternatives if you want a wider comparison before deciding.
If you're comparing more than one option in this space, it helps to write down the two or three requirements that actually matter for your team before you start reading reviews, since pricing pages and marketing copy tend to make every tool sound like the right fit on paper. Ask each vendor directly about contract length, cancellation terms, and what happens to your data if you switch providers later, and weigh that alongside the feature comparison above rather than the headline price alone. It's also worth checking recent user discussions on forums or review sites for anything that's changed since a vendor last updated their own marketing pages, since pricing, limits, and supported integrations can shift between major updates. A short trial period, where one is offered, is usually the fastest way to confirm a tool actually fits your workflow before you commit to a longer contract. It's also fine to start with whichever tool has the best free trial or lowest-commitment plan, use it for real work for a week or two, and only then decide whether to negotiate a longer contract — that's usually a better test than anything a comparison page, including this one, can tell you in advance.
