Wise Business is not a card gateway, it is a cross-border bank-receive product. A US business account costs a one-time $31, ACH receives are free on most routes, domestic wire receive is $6.11, and currency conversion uses the mid-market rate plus a Wise fee disclosed per currency pair.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Wise Business is for B2B merchants that invoice in multiple currencies and want mid-market FX with no markup. Best as a complement to a card gateway for receivables in different currencies.
Not a card processor; cannot accept Visa, Mastercard, or Amex.
The number on the homepage of Wise Business is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Not a card processor. Cheapest published path for B2B cross-border receivables; complementary to a card gateway, not a replacement.