With a Wise Business account, you can request a payment from anyone and send them a link to pay you by credit or debit card.
Who can get paid by card
Any business with a registered address in the EEA or the UK can apply to receive card payments. When you apply, you’ll need to:
provide the address of your business website
tell us what your business does
agree to how we charge card fees
It can take 4-7 working days for us to review your application. Once it's approved, you'll see the option available when you request a payment, and you’ll be able to start taking card payments straight away.
Card types and currencies
We currently support Visa and Mastercard payments in AUD, CAD, CHF, CZK, DKK, EUR, GBP, HUF, NOK, NZD, PLN, RON, SGD, and USD.
How to get paid by card
From the Wise app or website, request a payment from your customer and select card as a payment method. Learn how to request money.
Share the link you get with your customer
We’ll tell you when your customer has paid, and we’ll email them proof of their payment
We’ll notify you again when your money arrives
What it costs you
The fee we charge depends on the card your customer pays with.
|Card (credit and debit)||Fee|
|Domestic consumer cards (issued where your business is registered)||1%|
|International consumer cards||2.9%|
|All business cards||2.9%|
Our fees already cover Visa and MasterCard card scheme and interchange fees, so you won’t be charged anything extra.
Once your payment arrives, you can check the fee we charged in your Activity.
What it costs your customer
We don't charge your customer anything, but their bank or card issuer might charge them a fee if:
they're paying you in a foreign currency
they’re paying with a credit card
their bank treats the payment to Wise as a cash advance
If your customer isn’t sure what they’ll be charged, ask them to check with their card issuer.
You can request up to the equivalent of 10,000 GBP per transfer in the supported currencies.
How long it takes to receive the payment
It usually takes us 2 days to pay out your money after the payment is successfully received. Depending on your region and the currency, sometimes pay outs can take slightly longer.
You can see the estimated pay out time in the transaction details section.
It’s not yet possible to issue a refund to the card your customer paid with. Instead, you can send the money from your balance or by bank transfer.