# Compare PayPal vs Wise 2026 | Capterra > Unsure of what to choose? Check Capterra to compare PayPal and Wise based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/207944-234269/PayPal-vs-Wise --- # PayPal vs Wise Features and Cost Comparison Last updated July 3rd, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: PayPalWise2/4 selected [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) [Wise](https://www.capterra.com/p/234269/Wise/)[3.8 (86)](https://www.capterra.com/p/234269/Wise/reviews/) [## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting Price $0.29 Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.6 Customer Service 4.2 Reviews Sentiment Based on [26,504 reviews](#user-reviews) Positive 24,908 Neutral 1,069 Negative 527 [## Wise](https://www.capterra.com/p/234269/Wise/)[3.8 (86)](https://www.capterra.com/p/234269/Wise/reviews/) Starting Price Contact vendor Value-for-Money 3.8 Functionality 3.9 Ease of Use 4 Customer Service 3.5 Reviews Sentiment Based on [86 reviews](#user-reviews) Positive 60 Neutral 5 Negative 21 ## Not a match? 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Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 100%Fit High performer Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.5 Expense Tracking 3.9 \--%Fit Missing features Feature ratings Data Security 3.8 Online Payments 3.7 Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking NA User satisfaction User satisfaction 4.6 User reviews[26,504](https://www.capterra.com/p/207944/PayPal/reviews/) Ease of use 4.6 Functionality 4.6 Value for money 4.5 Customer support 4.2 User satisfaction 3.8 User reviews[86](https://www.capterra.com/p/234269/Wise/reviews/) Ease of use 4.0 Functionality 3.9 Value for money 3.8 Customer support 3.5 Price starts from Price starts from $0.29Other, Not provided by vendor - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions. Best for Not provided by vendor ## User reviews Pros & cons Melanie M. Coach > "The free version gives me plenty of options, including creating a custom PayPal.me link which makes sharing my business with others even easier. Whenever I've needed to reach out to customer support, the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143) VR Verified Reviewer Founder and Principal > "In using the debit card, or if you use it as a bank account, it will sometimes randomly decline transactions (which can be super embarrassing), and even make transfers seem impossible because of another..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7145449) AP Ashley P. Founder, Princial Consultant > "PayPal is a reliable payment solution for businesses that need a convenient way to send payments, receive money, track transactions, and maintain organized financial records." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7174661) NAGESH B. Sr Transaction Processing Officer > "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) EB Emma B. Financial Controller > "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) BZ Briana Z. Art Instructor > "Accessing PayPal statements for PayPal Credit can be tricky- the bug is the page often won't load and the site encounters issues and error messages when trying to download statements." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166632) JE JoBeth E. CEO > "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494) Deepeshkumar G. Techno Functional Consultant > "QR scanning facility is not available in my region and the international money transfer takes 24 hours hold in paypal account." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148059) Sachin K. Operations Manager > "The ease of setup, broad integration support, and trusted reputation make it a practical option for freelancers, e-commerce businesses, and everyday users. While fees and occasional account review delays..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7148707) Michelle C. CEO > "Some parts of PayPal can be confusing, especially when trying to understand fees, payment holds, invoices, prepaid cards, or why a payment method is not working the way expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7179833) CA Christopher A. Commercial Director > "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491) VR Verified Reviewer Software Engineer > "In addition, customer support experiences may vary, and resolving account-related issues can sometimes take a long time. Although PayPal is widely trusted and convenient, these problems can create..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Abdelrahman A. Associate Software Developer > "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211) Lucia C. Owner > "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789) MK MO K. MD > "PayPal is a solid, professional platform that makes sending and receiving payments very simple. While the fees are a bit high, the security and global acceptance make it worth using for my business..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550) BB Bruno B. Creative > "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070) RC Raul C. Electrician > "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446) KR Kyle R. Trainer > "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) VR Verified Reviewer Software Engineer > "It supports international transactions, making it very useful for freelancers, online businesses, and customers who buy products or services from different countries." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) Rabindra K. Network Security Administrator > "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751) NO Nelson O. Systems administrator > "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834) NC Nikki C. permit technician > "The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139057) Aman M. Business Analyst > "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703) SP Susan P. CEO-Owner > "Even when I’m just making normal transactions, it can be frustrating if a payment gets flagged and my funds are temporarily frozen while verification is requested." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844) PP Piyusha P. Customer service > "I also appreciate the invoicing capabilities, buyer and seller protection features, and seamless integration with online stores and marketplaces." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831) Tony U. Co-Founder CMO > "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000) Daniel L. Sales Startegist > "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405) Tracie B. Executive Director > "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Operations coordinator > "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) Ilysse R. Project Manager > "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166) VR Verified Reviewer Data Encoder > "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768) KR Kyle R. Trainer > "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159) AE Amrin E. Marketing Director > "Occasionally, account reviews or verification requirements can slow down access to funds, which may be inconvenient for businesses that rely on quick cash flow." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7161766) NM Nicole M. Breeder > "There are so many different options to use with PayPal, I like that I can connect it with my eBay account and make purchases and it also has the pay later feature." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7155455) MM Mark M. Owner > "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131) YL Yasmine L. Esthetician > "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237) ET Eldho T. battery test tecnication > "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) Mai M. Managing Director > "The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120918) BG Blair G. CEO > "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100) SP Susan P. CEO-Owner > "What I like most about PayPal is how it reduces friction in everyday payments. Once my account is set up, I don’t have to repeatedly pull out my card or retype long billing details." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7167844) EA Estrella A. Software Engineer > "Their customer support chat is often unhelpful, and resolving account bugs or payment issues feels impossible with their automated messaging." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7180023) HA Heatherly A. Dance Instructor > "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119) Amber L. Owner > "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539) EB Emma B. Financial Controller > "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769) VR Verified Reviewer Head of HR > "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220) AA Abdalmeged A. It engineer > "Transaction history and invoicing tools are well-organized, making expense tracking straightforward for both personal and business use." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154507) Valery C. Digital Philanthropy Officer > "Sometimes it is buggy with payments if you attach gift cards, and it becomes annoying to deal with since payments seems to go through but then don’t." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177151) Yuriy Y. Owner > "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314) VR Verified Reviewer Teacher > "Also, sometimes the customer support takes a bit longer to resolve account holds or verification issues, which can delay urgent payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7159479) LL Lois L. Office Manager > "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741) VR Verified Reviewer Operations coordinator > "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462) VR Verified Reviewer Software Engineer > "Users may face extra charges for currency conversion, cross-border transactions, or receiving payments, which can reduce overall earnings." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) ET Elena T. CMO ecommerce > "I personally like that you can easily create a business account in different currencies to create invoices, and it's super easy to integrate with WooCommerce or any other e-commerce platform." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7165284) AC Aldophe C. Student > "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748) NAGESH B. Sr Transaction Processing Officer > "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433) Jennifer H. Manager > "However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7142902) ET Eldho T. battery test tecnication > "The materials used and how well the item holds up over time. How effectively the product fulfills its intended purpose compared to its advertising. How intuitive and aesthetically pleasing the product is..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999) VR Verified Reviewer Founder > "I understand the need for fraud prevention, but the way funds were held and limits were applied felt excessive given that we were already an established ecommerce business." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7154220) Alexis L. Owner > "I enjoy the ability to invoice from the app effectively and for my customers to get it and submit payment immediately." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139239) CH Charlie H. Footballer > "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012) VR Verified Reviewer Ecommerce Managaer > "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. " [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349) VR Verified Reviewer CEO > "In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7134942) PP Piyusha P. Customer service > "The user interface is intuitive, making payments, refunds, and account management simple even for non-technical users." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7168831) Alex M. CEO > "The fees for receiving payments via credit card can add up, and customer support can sometimes be slow to resolve disputes." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7177532) ClJ Céline J. Social Media Manager > "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906) RR Rhonda R. Administrator > "It has too many items that it charges for, too many ways they try to take from users, and too little customer support." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7166187) RS Radha S. Legal Assistant > "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765) VR Verified Reviewer Admin > "Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7126777) FC Fujimory C. Founder > "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380) VR Verified Reviewer Owner > "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755) SM Steve M. Instructor > "We needed an easy way to take credit card payments and electronic transactions for our small operation- 4 main payments times per year so PayPal has been a great tool for that." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6851880) NHH Nguyen H. H. Deputy Service Manager > "The customer support response times are not consistent and the customer may not be able to get a response when needed." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7163565) JP John P. Transport Broker > "Sending payments instantly via the mobile application will make sure that I never make a driver wait, even during weekends." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7076423) VR Verified Reviewer Software Engineer > "PayPal is that its transaction fees can sometimes be high, especially for small businesses, freelancers, and international payments." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7146875) VR Verified Reviewer Sales Lead > "The features for expense and payment tracking and managing that this system provides me with have saved me a lot of effort." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7077204) AA Anis A. Software developer > "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929) VR Verified Reviewer Accessories Designer > "PayPal sorted this issue out for me immediately, and when the business did eventually contact me and resolve the issue, PayPal took it from there as well, making my part in the matter very limited and..." [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7174250) PS Peter S. Backend Developer > "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees" [See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323) [View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/) Armando R. Translator > "How easy their credit card payments were to adapt in comparison to Revolut and its payment processing that was easier to do as a..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7094165) GC Gary C. NA > "A simple cash transfer request turned into 34 swapped emails all of which are clear evidence as to Wise being inept, unprofessional and..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7108212) MAU Marcos Alberto U. Manager > "I think it is a good option to transfer money internationally, it works with a wide variety of currencies and handles very low..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6561368) GC Gary C. NA > "Promises of rectifying THEIR mistakes we brushed away by just unilaterally cancelling my Transfer without any notice (to cover their..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7108212) VR Verified Reviewer Head of HR > "It is connected to my own expenses management platform, which makes it really easy to track expenses." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7098230) Armando R. Translator > "I wanted to use Revolut in Spain but the registration process was super clunky and I really needed to pay a friend some money." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7094165) FS Flavia S. Senior > "It’s transparent, fast, and much cheaper than using traditional banks. Whether I’m paying freelancers or transferring money to family..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) Gabriel I. Founder > "I cant believe they dont offer loans or credit, because the problem is that since I've handled my money with them all of these years, I..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) JB Juan B. Writer > "Its interfase is definitely 2025 material. Plus, it has many integrations with other financial platforms, which makes it more accessible..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6834982) WH Warren H. Pres > "There is no question they are using falsehoods and simple innuendo, which they are passing to financial institutions here and abroad..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) SA Suhail A. Broker > "I liked Wise for its ease of use, quick setup, and real-time exchange rates that make transactions simple." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7056052) LT Lorena T. Individual Transactions > "I updated the app and re-entered my information multiple times until I could finally initiate a transfer. But when I tried to send the..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) TP Tracy P. Education > "Extremely user friendly, great interest rates, low forex rates, low transfer fees... referral rewards too." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6662987) TQ Tristan Q. Director > "Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) FS Flavia S. Senior > "It's easy to understand fees upfront, and the real exchange rate shown is a huge plus." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) WH Warren H. Pres > "Their refusal to communicate what their actual issue is, or be willing to resolve and acknowledge their mistakes takes away any..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) TP Tracy P. Education > "Good rates, fast service, debit card to use when overseas." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6662987) TQ Tristan Q. Director > "Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) MB Michael B. Self Employed > "The service has always been quick, safe, I always seem to get the best exchange rates at the time too." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6751329) TQ Tristan Q. Director > "Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) YD Youcef D. Marketer > "it is a safe app with a real bank and accepts virtual cards so if you prefere it it's the best one " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___5087589) LT Lorena T. Individual Transactions > "I tried two more times and encountered the same error. When I logged out and back in, I saw that Wise had debited my bank account three..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) PW Peiji W. owner > "In general, it is very easy to use and exchange currency remotely." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6756175) FS Flavia S. Senior > "Some smaller currencies or countries aren’t fully supported, which can be limiting in rare cases." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) ZKM Zuen Kay M. HR > "its very user friendly and fast to send and higher exchange rate" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6708937) RP Reid P. Director Owner > "This has been an excruciating process that I still don't have a resolution to after 6 days and over 20 emails back and forth with their..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6570759) Michelle H. Writer, Editor and Proofreader > "I particularly like being able to invoice in my own currency (UK sterling)." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6292297) WH Warren H. Pres > "i was sending money to family in another country for costly medical expenses, over a period of 7 months." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) RM Rosalina M. Executive Assistant/ Freelancer > "Overall, Wise is a reliable and cost-effective way to transfer money internationally, with a user-friendly platform and fast transfer..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) LT Lorena T. Individual Transactions > "Once more, the money was transferred to my Wise account, and I got the same "payment unsuccessful" message." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Gabriel I. Founder > "I've been using wise (ex transferwise) for 8 years now, and I have absolute trust in this company." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) KK Kara K. Senior Associate > "Although Wise has its fair share of issues, we haven't found a better tool to send regular international payments." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6846068) Altaf N. Owner > "I like the ACH payment option of Wise which Paypal does not offer." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) TQ Tristan Q. Director > "After days of chasing them and providing thorough documentation, they chose to close my account without justification." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) Gabriel I. Founder > "I love how simple and transparent everything is." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) LT Lorena T. Individual Transactions > "I planned to request a refund for the fee, as this whole situation was due to their glitch." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Gabriel I. Founder > "I am happy, loyal client." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) Navan M. Director > "I paid thousands more than a normal transfer for verification and transfer fees plus a fees to return my money back into my account." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) SL Stefano L. Owner > "Easy setup." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6754011) RL Ron L. IT > "Got charged almost 20% in fees just to open an account." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6683899) RM Rosalina M. Executive Assistant/ Freelancer > "Low expenses: Insightful charges a lot of lower charges than conventional banks or other cash move administrations, which can get a good..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) WH Warren H. Pres > "they froze my account and the recipient's. " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) Altaf N. Owner > "Hence, Wise is now my favorite payment processing platform." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) LW Lamia W. Director > "Hard to say because the irritating thing is when a transaction doesn't go through because the Payee's details don't match exactly - as..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6091952) Altaf N. Owner > "I really love it because with ACH, there is very minimal to no fees at all." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) TP Tim P. Film Director > "Their rationale was that, in their opinion, Zaporizhzhia is under sanctions." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6421542) CS Carole S. antiques trader > "It is incredibly fast and I can transfer money to my French bank account instantly." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3851901) LT Laura T. None > "Lost $25k and have been trying to get it resolved for the last 6 weeks." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6705908) AP Abby P. COO > "It was easy to setup" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) LT Lorena T. Individual Transactions > "The customer support is not helpful." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) MI Muhammad I. YouTuber, Freelancer > "I have installed the wise application on my android. And I am glad to share that the application of wise is Fingerprint supported, Mean..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) AP Abby P. COO > "I have been begging for over a week and support just sends generic template responses and doesn't seem to realize not accessing my..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) Zahra H. Head of Business operations > "The app is secure, the system sends 2FA, their card never fails, the virtual cards are a great feature!" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3163094) WH Warren H. Pres > "after that they would not take phone calls." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) Myriam C. Translator > "It's user friendly and if I have any problems I can count on an excellent customer service" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3684794) RP Reid P. Director Owner > "It's an absolute drain of my time and energy." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6570759) Bruno C. IT Service Engineer > "Very cheap way to remit amounts abroad and undoubtedly the best alternative to pay for expenses while traveling abroad." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3149725) LT Lorena T. Individual Transactions > "I’ve opened a dispute with my bank." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) DY Dellal Y. Marketing traîner > "Speed of transactions and also you can exachange with the most important devise " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3615424) LT Lorena T. Individual Transactions > "Will freeze hot money for no reason." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) KM Karel M. Freelancer > "I love how you can set up multiple accounts in different countries" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3603399) Navan M. Director > "I hate that after my money was taken out of my account, I had to make accountant appointments costing me more money." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) Mubaraq I. Content writer > "Very good, I don't plan on looking for an alternative any time soon." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3708231) SK Sonita K. President > "It was the most difficult platform to work with. " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6710459) Sam A. Consultant > "This made receiving payments very quick and easy for me to receive and for the customer to pay me." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3197054) LT Lorena T. Individual Transactions > "I hung up and called again." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Danish M. Software Engineer > "Registration process is simple and account gets verified fairly quickly." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3410875) LT Lorena T. Individual Transactions > "This entire situation is incredibly frustrating." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) PW Peter W. Retired > "The easyness to send money fast and with not too much costs from one corner of the world to another corner of the world." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3314029) SK Sonita K. President > "Extremely difficult platform, would not recommend." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6710459) MI Muhammad I. YouTuber, Freelancer > "No, if we talk about my overall experience with the wise bank account is, then it was appreciable. And I'm fully satisfied with the..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) FD Franck D. CEO > "It s a very bad service and company." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6687754) Johanna N. Customer Success Executive > "Great App for any type of transfer." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3395804) RM Rosalina M. Executive Assistant/ Freelancer > "Check process: to utilize Shrewd, you really want to go through a confirmation interaction that can be tedious and may require extra..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) Zahra H. Head of Business operations > "Its a fluid and well integrated system." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3163094) AP Abby P. COO > "Access is an issue" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) Ani P. Owner > "After many back and forth with my contractor we finally were able to set it up, once done it's great and I love it." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3302046) Navan M. Director > "Support team is lying 🤥 to me." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) Valor L. Digital Strategist > "What I really like though is it has the best rate." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3158929) MI Muhammad I. YouTuber, Freelancer > "I have a lot of friends that are unable t use wisely just because they are not having a visa or MasterCard for making a transaction too..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) [View Reviews](https://www.capterra.com/p/234269/Wise/reviews/) ## User interface [PayPal](https://www.capterra.com/p/207944/PayPal/) 4.65 (26,504) [Wise](https://www.capterra.com/p/234269/Wise/) 3.78 (86) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important PayPal Top features 28/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/207944/PayPal/#features) Wise 10/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/234269/Wise/#features) ### Recognition PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports No recognitions have been awarded to Wise ### Deployment & support PayPal Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Wise Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details PayPal - By PayPal - Located in United States - Founded in 1998 Wise - By Wise - Located in United Kingdom - 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