# Wise Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Wise Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/234269/Wise/ --- # Wise Software Review 2026: Features, Integrations, Pros & Cons Last updated on July 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Wise ## What is Wise? Payment processing software that lets businesses transfer money in multi-currencies to users across international countries. ## What is Wise used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 86 user reviews Reviews sentiment Positive 70% Neutral 6% Negative 24% Pros & cons Fast, affordable international transfers Account access and fund issues ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Wise?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://wise.com/&name=Wise) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Wise 3.8 (86) VS. [4.6 (3,356)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (86) Ease Of Use 4.5 (26,506) Value For Money 3.8 (74) Value For Money 4.3 (20,354) Customer Service 3.5 (68) Customer Service 4.2 (20,610) ## Wise alternatives [4.7 (3,644)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting price $23.99 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,528)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,299)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/234269/Wise/alternatives/) ## FAQs about Wise Overview ### What problems does Wise solve? Wise solves the high cost, slow speed, and poor visibility of international payments by making cross-border transfers faster, cheaper, and easier to track. Freelancers, remote workers, travelers, and small businesses use it to receive foreign payments, convert currencies, manage multi-currency balances, and avoid traditional bank friction. Answer based on 50 reviews Overview ### Which roles and teams benefit most from Wise? Wise is most used by business owners, founders, and executives who manage international payments, supplier transfers, and multi-currency cash flow. Consultants, analysts, and operations teams rely on it to send client payments efficiently, while freelancers, translators, and digital professionals use it to receive overseas income with transparent fees and exchange rates. Answer based on 86 reviews Talk to an expert ### More questions? Ask our experts Overview ### What company size and industries is Wise built for? Wise is built primarily for small businesses, which make up 86% of reviewers, with the strongest adoption in Marketing and Advertising at 9%. It also serves Information Technology and Services at 8%, Computer Software at 7%, plus some enterprise teams at 10%, mainly for payment processing. Answer based on 86 reviews Features and Usability ### What are the key features of Wise? Wise includes core features for international payments, especially money transfers, multi-currency balances, and currency exchange. Reviewers often mention low fees, fast bank transfers, and ease of use. Differentiators include local bank account details in supported currencies, API access, two-factor authentication, transaction history, and alerts/notifications. Answer based on 51 reviews Overview ### How well does Wise handle international payments? Wise handles international payments well for many freelancers, remote workers, and small businesses that need fast transfers and multi-currency accounts. It supports invoicing, local bank details, and low-fee payment options, but some users report payment delays, account restrictions, transfer limits, or verification problems that can disrupt business operations. Answer based on 21 reviews Integrations ### Which third-party tools and platforms does Wise integrate with? Wise integrates with Xero for bookkeeping. The platform also connects with other accounting and finance tools in its catalog, giving businesses a focused set of payment and transfer integrations for managing records and transactions across financial workflows. Answer based on 6 reviews Getting Started and Support ### What customer support options does Wise offer, and how do users rate the experience? Wise offers email/help desk support, an FAQ/forum, and a knowledge base. Users describe the support experience as mixed: some report quick replies, helpful problem resolution, and clear documentation, while many others cite slow responses, repetitive ticket handling, limited guidance for urgent issues, and frustration during account or verification problems. Answer based on 28 reviews Security ### How does Wise handle data security and access control? Wise uses two-factor authentication, fingerprint login on Android, payee detail matching checks, transaction records, and instant notifications when transfers complete or hit problems. Reviewers also describe secure payments, virtual cards, and strong privacy. Some note occasional uncertainty around rates or payment eligibility, but overall security sentiment is positive. Answer based on 11 reviews Features and Usability ### Is Wise easy to use? Wise offers a simple interface for sending money, holding multiple currencies, and setting up transfers without much training. Many freelancers, travelers, and small business users find navigation clear and setup quick, though some users run into confusing verification steps, bank-linking friction, or account issues that make the experience feel harder. Answer based on 24 reviews ## Pros and Cons Fast, affordable international transfers 78% positive reviews out of 36 Most reviewers describe money transfers as quick, low-cost, and straightforward, with transparent fees and reliable service. Tracy P. Education, 2 - 10 employees. "Extremely user friendly, great interest rates, low forex rates, low transfer fees... referral rewards too." Account access and fund issues 69% negative reviews out of 35 Most reviewers indicate bank account management involves unexpected account freezes, delayed fund access, and challenging customer support interactions. Abby P. COO, 11 - 50 employees. "I have been begging for over a week and support just sends generic template responses and doesn't seem to realize not accessing my business bank account for over a week is absolutely a NO GO!" ## Features AI summary Based on 17,379 Payment Processing reviews Not all payment processing products cover every feature buyers care about most. Here is what Capterra reviewers highlight as essential when choosing a solution: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Wise includes **Data Security** and **Online Payments**, but does not offer **Debit/Credit Card Processing**. Its support for **Data Security** helps businesses protect sensitive payment information and reduce risk, while **Online Payments** gives teams a way to accept and manage digital transactions efficiently, helping businesses maintain trust and handle payments more effectively. Data Security 3.8 (52) 69.23% of 52 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 3.7 (7) 85.71% of 7 reviewers that rated this feature as important or highly important Accept and process online payment transactions Alerts/Notifications 3.9 (41) 73.17% of 41 reviewers that rated this feature as important or highly important Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Reporting/Analytics 3.4 (41) 58.54% of 41 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data Status Tracking 3.5 (35) 71.43% of 35 reviewers that rated this feature as important or highly important Track the status over time for a request, process, asset, or transaction Activity Dashboard 3.7 (34) 73.53% of 34 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities Wise 10 features Dashboard to view the status of ongoing processes, identify current incidents and track past activities Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Import and export data to and from software applications Protect sensitive data for digital privacy Manage and handle various international currencies Accept and process online payment transactions View and track pertinent metrics to find patterns and gain insights from data Track the status over time for a request, process, asset, or transaction Monitor or audit historical and current transactions to analyze customer account activities Get Advice We can help you find the software with the features you need. Features 3.9 (86) 3.9 Based on 86 reviews ## Pricing Value for money 3.8 (74) ### Starting price Free trial not available Value for money 3.8 (74) 3.8 Based on 74 reviews 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. ## Support, customer service and training options Customer Service 3.5 (68) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.5 (68) 3.5 Based on 68 reviews ## User reviews Overall rating 3.8 Based on 86 reviews Filter by rating 5(49) 4(11) 3(5) 2(0) 1(21) Mentioned topic Sorted by most recent BT Brianna T. Founder Writing and Editing ### "A necessity if living abroad " 3.0 Overall Rating 3.0 3.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 1.0 1.0 Likelihood to Recommend 9/10 July 2, 2026 Pros I liked that it allowed me to transfer money when I was living in Mexico to take care of business and personal needs in pesos. Cons The conversion rate was often pretty high, and sometimes the app would show a transfer would arrive instantly (initially), then you later find out it will actually take several hours or even days. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AN Anonymous User Founder Marketing and Advertising ### "Best for multi-currency business exchange" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 4, 2026 Pros Wise is easy to use, good fees, best on the market. MAkes my US business money coming in simple and straightforward. Cons I wish more people knew about it and already had the app so I could transact more seamlessly. I see this as just a matter of time. I also want it to replace Stripe for me, ideally. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. GC Gary C. NA Leisure, Travel & Tourism ### "NEVER use Wise for Cash Transfers." 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 March 6, 2026 Horrible and regrettable. My email trail is an indictment upon the way they run their business. Promises of rectifying THEIR mistakes we brushed away by just unilaterally cancelling my Transfer without any notice (to cover their tracks). Pros The website looked OK and reviews seemed OK and when I went to the Website (for the 1st time) the Rate was OK BUT .......... Cons A simple cash transfer request turned into 34 swapped emails all of which are clear evidence as to Wise being inept, unprofessional and discourteous. One of the worst experiences I can recall with re-request after re-request for data already provided, and then THEY made errors thinking my name was my Banks Name and then THEY cancelled my transaction (probably out of shame given the disgusting disservice they gave me). Never use Wise. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. NO Niamh O. Researcher E-Learning ### "Amazing money app everyone should have " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 5, 2026 Amazing !! I had previous bad experience with a rival company and wise has been amazing: the other company was not good with security features but wise has been so easy to use and fast to set up Pros I love this app ! I transfer my money here immediately after I'm paid and I know my money is secure and stays at same amount. I first downloaded it when I visited London and I wanted to convert my money into pounds. I was able to convert some of my wise balance into pounds which was better than paying in euro so I knew the exact amount. It kept record of my transactions and helped me see what I spent Cons I wished I could have lodged money directly onto the wise account: maybe that's possible if I got the physical card but for now I just have the digital one . Switched from [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) It was standard revolut not business revolut. But I had so much confusion setting up my account that I never used it properly. Wise was much easier to set up Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Data Engineer Information Technology and Services ### "Hassle free international expenses" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 February 19, 2026 I've been using it as my main payment platform outside my home country. It is connected to my own expenses management platform, which makes it really easy to track expenses. Pros It's easy to use, has good fees for currency exchange and it is a well known platform, which means that a lot of colleagues also use it. Also the API makes it easy to connect to other services. Cons Sometimes the UI bothers me with unecessary stuff that I'll never use. It would be better if it was a little cleaner. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Wise has better fees and is better suited for everyone that wants to use it as an international payment platform. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Armando R. Translator Translation and Localization ### "Wise was there for me when Revolut couldn't!" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 February 11, 2026 I wanted to use Revolut in Spain but the registration process was super clunky and I really needed to pay a friend some money. Wise came through and solved this issue. Such a life saver! Pros How easy their credit card payments were to adapt in comparison to Revolut and its payment processing that was easier to do as a traveller for my money transfers between friends. I also want to highlight the secure payments because I have been receiving freelance job pays in a secure and fast way. Cons Certain rates are unclear and I may not be too sure if I got the cheapest rate which caused me security issues but it's an ideal option and a great software that helps my value for money when I need to transfer money. Also Panama is no longer allowed to receive payments from my freelancer jobs so this was a major blow to my remote work operations Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SA Suhail A. Broker Real Estate ### "Must-Have!" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 December 4, 2025 My overall experience with Wise has been great—simple, fast, and reliable for everyday financial needs. Pros I liked Wise for its ease of use, quick setup, and real-time exchange rates that make transactions simple. Cons I liked least that Wise has no physical branches, which can be inconvenient when in-person support is needed. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. PS Paulo S. Software Engineer Information Technology and Services ### "Great platform" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 10, 2025 Very good so far — the experience has been smooth, reliable, and consistent. Everything seems to work as expected, and I’m quite satisfied with the results up to this point. Pros Easy to use, with an intuitive interface and straightforward navigation. The low taxes make it even more appealing and cost-effective for regular users. Cons Everything works smoothly and reliably. I haven’t encountered any issues so far, so there’s really nothing to complain about — overall, a great experience. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Rentnerin Health, Wellness and Fitness ### "Diese Bank arbeitet unseriös" 1.0 Overall Rating 1.0 1.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 October 1, 2025 Ich habe aufgrund positiver Berichte (preiswerter Wechselkurs) mein gesamtes Sparguthaben auf ein Wise Konto transferiert, um es von dort in einer anderen Währung zu einem günstigen Kurs an eine weitere Bank (mit der ich ausgezeichnete Erfahrung habe) zu überweisen, um von hohen Sparzinsen zu profitieren. Wise hat die Überweisung verweigert und mir den Zugriff auf mein Konto gesperrt, ohne Begründung, nur mit dem Verdacht, gegen ihre "Bestimmungen" zu verstoßen, jedoch ohne Konkretisierung. Nun liegen meine gesamten Ersparnisse bei Wise und ich werde wohl die Bankenaufsicht bemühen müssen, um es zurückzubekommen. Dadurch verliere ich zusätzlich natürlich die Zinsen. Einer Aufforderung zur Rücküberweisung sind sie bisher nicht nachgekommen, was den Verdacht aufkommen lässt, dass Wise mit dem einbehaltenen Geld ihrerseits Gewinne erzielen, während man als Kunde Geld verliert. Ich hatte noch nie so ein negatives Bankerlebnis. Pros Zu Beginn schien alles perfekt: das Konto war rasch eröffnet, das Geld in minutenschnelle - dank REVOLUT Bank - auf dem neuen Konto, alles schien perfekt. Und dann wollte ich das Geld in einer Fremdwährung (USD) weiter überweisen an mein Anlagekonto. Ab hier begannen die Probleme. Cons Wise verweigert seinen Kunden einfach den Zugriff auf das eigene Geld. Ich war zuerst verblüfft und dann höchst verärgert. Auf Rückfrage erhält man keine konkrete Information weshalb, sondern eine Ausrede, man habe gegen irgendwelche AGB verstoßen, obwohl man gar nichts gemacht hat, was man nicht bei jeder anderen Bank durchführte. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. IL IAN L. OWNER Individual & Family Services ### "DO NOT TRUST WISE BANK ,THEY LIE AND WASTE TIME AND LOOSE MONEY" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 July 13, 2025 RUBBISH THEY FROZE MY MONEY FOR NO REASON BUT I FOUND A WAY TO GET IT OUT , I AM 68 YRS OLD A PENSIONER MY MONEY STUCK IN THERE ACCOUNT , Pros NOTHING THEY WASTED MY TIME AND MONEY , RANG THEM 3 TIMES CALLS NEARLY 1 HOUR A TIME ,THEY PROMISED TO CALL BACK NEVER BOTHERED Cons THERE SO CALLED CUSTOMER SERVICE , IT DOES NOT EXSIST,PROMISED I HAVE BEEN PROMISED ON THREE OCCASIONS THAT THEY WILL CALL ME AND SAID SORRY WE WILL DEAL WITH IT , NOTHING STILL WAITING FOR THE CALLS AND EMAILS Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/234269/Wise/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs Wise](https://www.capterra.com/compare/207944-234269/PayPal-vs-Wise)[Venmo vs Wise](https://www.capterra.com/compare/222572-234269/Venmo--vs-Wise)[Stripe vs Wise](https://www.capterra.com/compare/123889-234269/Stripe-vs-Wise) [Square Payments vs Wise](https://www.capterra.com/compare/170278-234269/Square-Payments-Processing-vs-Wise)[Google Pay vs Wise](https://www.capterra.com/compare/212826-234269/Google-Pay-vs-Wise)[Payoneer vs Wise](https://www.capterra.com/compare/187086-234269/Payoneer-vs-Wise)