--- title: "Wise Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Wise Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/234269/Wise/" page_type: "product" language: "en" --- # Wise Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 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 90 user reviews Reviews sentiment Positive 68% Neutral 6% Negative 27% 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) Rating Breakdown 3.7 +− Features3.9 Value for Money3.7 Ease of Use3.9 Customer Service3.4 Rating Breakdown 3.7 Features3.9 Value for Money3.7 Ease of Use3.9 Customer Service3.4 ## Wise Reviewers Verdict Updated August 2026 AI summary - Wise is a fit for small businesses and teams handling frequent international payments and multi-currency needs. - Positive feedback centers around its clear currency exchange rates, intuitive interface, and transparent, low-cost transfers. - Businesses benefit day-to-day from fast, easy money movement and straightforward account setup across devices. - Buyers should weigh a few practical considerations: many mention inconsistent customer support, email response delays, and occasional account or payment access issues. - Wise suits companies valuing simplicity and cost for cross-border payments, but may frustrate those needing reliable support or complex account features. ## 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 3.7 (90) VS. [4.6 (3,381)](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 3.9 (90) Ease Of Use 4.5 (26,607) Value For Money 3.7 (78) Value For Money 4.3 (20,447) Customer Service 3.4 (72) Customer Service 4.2 (20,704) ## Wise alternatives [4.8 (527)](https://www.capterra.com/p/163474/WeTravel/reviews/) Starting price $79.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 97% of reviewers rated it above 4 stars [4.7 (3,654)](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 Highest Rated [4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 99% 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 [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 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 37 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 report bank account management problems, including frozen accounts, delayed refunds, and inaccessible funds. 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 (54) 70.37% of 54 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 3.8 (9) 88.89% of 9 reviewers that rated this feature as important or highly important Accept and process online payment transactions Reporting/Analytics 3.3 (44) 59.09% of 44 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data Alerts/Notifications 3.8 (42) 73.81% of 42 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 Activity Dashboard 3.7 (37) 72.97% of 37 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 Status Tracking 3.4 (37) 72.97% of 37 reviewers that rated this feature as important or highly important Track the status over time for a request, process, asset, or transaction Wise 12 features ### All Features - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Multi-Currency: Manage and handle various international currencies - Online Payments: Accept and process online payment transactions - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Status Tracking: Track the status over time for a request, process, asset, or transaction - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Monitoring: 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 (90) 3.9 Based on 90 reviews ## Pricing Value for money 3.7 (78) ### Starting price Free trial not available Value for money 3.7 (78) 3.7 Based on 78 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 3.4 (72) 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 3.4 (72) 3.4 Based on 72 reviews ## User reviews Overall rating 3.7 Based on 90 reviews Filter by rating 5(49) 4(12) 3(5) 2(0) 1(24) Mentioned topic Sorted by most recent MA Md A. Research Assistant Higher Education ### "Cross border transactions easy and affordable" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 9/10 September 8, 2026 For sending money without taking hassles from conventional banks, Wise is the most choice affordable and reliable choice. But need to increase card number limit. Pros I have been using it for 5 years, setting up the account was easy. All I had to do is prove my identity and physical address. There are so many different currency account I could open, also jars to keep aside for saving some money. Cons The UI has some lag and loading or buffering issues. Cross border transactions sometimes take much time than anticipation, the digital card limit is now just three, it should be increased. Switched from [TransferNow](https://www.capterra.com/p/176473/TransferNow/) [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) For getting a better mid rate for currency swap. 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. OC Ole C. Writer Writing and Editing ### "If money lost they won't help " 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 August 16, 2026 Awful awful experience overall. I regret very much that I trust it this financial institution. For now I'm looking for alternatives. Pros Virtual card, option to keep it in the mobile app. Other than that there are not much advantages at least in comparison with competitors. Cons I travel frequently, and I signed up for Wise because I needed a virtual card that I could use while traveling abroad without having to rely on physical cards. I funded my Wise account specifically for this purpose. Unfortunately, I became disappointed with Wise within the very first week of using it. While traveling abroad, I used my Wise virtual card to purchase a bus ticket. I specifically paid extra for a more expensive fare that allowed cancellation and a refund. My travel plans later changed, so I cancelled the ticket and requested the refund I had paid extra to be entitled to. The bus company refused to refund me. I contacted Wise for help with the dispute. Wise did essentially nothing to resolve the problem. Instead, what followed was a stressful, multi-day exchange involving numerous emails, questions, and repeated requests for documentation — including documentation that the bus company itself refused to provide me. In the end, Wise did not help me recover the money. The amount involved was only about $20. That is less than 1% of my monthly travel budget, so financially I could simply forget about it. I am writing this review because of what this experience tells me about Wise, not because losing $20 is a serious financial problem for me. I am a U.S. resident and have used several American financial institutions over the years, including Wells Fargo and Charles Schwab. I also use PayPal. Occasionally, I have had disputes with merchants. In my experience, banks and other payment services have generally made the dispute process straightforward and have helped resolve these situations quickly and effectively. My experience with Wise was completely different. That is what destroyed my confidence in the service. If Wise cannot effectively help me with a merchant dispute involving just $20, why should I trust them with substantially larger amounts of my money? What happens if one day my card details are stolen and hundreds or thousands of dollars disappear? Based on this experience, I no longer have confidence that Wise would protect me or effectively help resolve the problem. For a financial service, trust is everything. Wise lost mine during my first week of using it. I cannot recommend Wise. Once I withdraw the remaining money from my account, I intend to stop using the service and find a virtual card from another financial institution or payment provider that I can actually trust when something goes wrong. 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. SS Sergiy S. Owner Computer Software ### "This is an unreliable neobank with no proper customer support" 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 30, 2026 Terrible service with incompetent support. They don't understand the client's profile and make bogus requests for data without bothering to understand. It feels like their support team is overloaded and doesn't have the capacity to be a REAL PARTNER for the company on the platform. Their attitude is superficial. You can't trust this neobank. You'll be constantly at risk of having your account closed at any moment. Pros Not the most convenient, but a simple and fast interface for remote payment processing. The key convenience is the ability to conduct business without leaving home or office. Cons This is an unreliable neobank with no proper customer support. They can freeze your account at any time, demand documents, and their incompetent employees, along with their imperfect corporate client relations mechanism, can jeopardize your business at any time. My company has had accounts frozen multiple times. After lengthy investigations, the information somehow reached competent employees, and we received unblocking and an apology from the neobank. Recently, after yet another attempt to create an account for my company in another EU country, one of their employees decided I was doing something illegal with the company's legal structure and began blocking and removing FlawlessGroup from service, a company that has been operating reliably for four years and holds trademarks and patents for its software code. These are extremely unreliable people who don't deserve your efforts or trust. Alternatives considered [Payoneer](https://www.capterra.com/p/187086/Payoneer/) Reasons for choosing Wise Initially, we were looking for a solution with fast online banking and the ability to solve problems without leaving the office. 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. AF Alfred F. manager Retail ### "Business account deactivated without a clear explanation" 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 28, 2026 My experience was initially positive, but the way Wise handled the closure of my business account completely changed my opinion. A business needs a reliable financial provider and clear communication, especially when company funds are involved. Losing access without a proper explanation can seriously disrupt daily operations and cash flow. After this experience, I would not use Wise as a primary business account again. Pros Before this happened, the platform was easy to use, transfers were straightforward, and the exchange rates were generally competitive. Cons Wise suddenly deactivated my business account and rejected my appeal without giving me a clear or specific reason. I still had company funds in the account, so I had to urgently request that the remaining balance be transferred to my Hungarian bank account. Customer support only provided generic responses and no real solution. 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. 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. [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)