Comparison · 2026 edition
Payoneer vs Wise Business: cross-border payments compared 2026.
Payoneer and Wise Business side by side in the Cross-border Payments and Remittance Index 2026: scores, evidence, published facts and awards.
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Payoneer and Wise Business side by side in the Cross-border Payments and Remittance Index 2026: scores, evidence, published facts and awards.
In the Cross-border Payments and Remittance Index, Wise Business scores higher overall: 4.2 out of 5 (85 out of 100) against 3.5 (70), ranking 3 and 4 of 11. Wise Business also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Payoneer | Wise Business |
|---|---|---|
| Score out of 5 | 3.5 | 4.2 |
| Score out of 100 | 70 | 85 |
| Overall rank | 4 of 11 | 3 of 11 |
| For SMEs and exporters (out of 100) | 70, rank 4 | 84, rank 3 |
| For payment and e-money firms (out of 100) | 70, rank 5 | 88, rank 3 |
| For marketplaces and platforms (out of 100) | 70, rank 4 | 84, rank 3 |
| Type | Cross-border payments platform | Multi-currency business account |
Each score with the evidence behind it.
| Criterion | Payoneer | Wise Business |
|---|---|---|
| Payment reach | 4/5 190+ countries and 70+ currencies published. | 3/5 40+ currencies published; no country count for business payments. |
| Published pricing | 3/5 Full fee table published, but many fees are ranges or "up to" figures. | 3/5 Set-up and receiving fees published exactly; sending and conversion fees published only as "from 0.24%". |
| Payment speed | 3/5 Withdrawals "typically within 24 hours" published; no share of payments. | 5/5 Share of payments arriving within 20 seconds and within 24 hours published. |
| Collection accounts | 4/5 Receiving details in 22 currencies, local details in 13. | 5/5 Account details in 22 currencies published. |
| Integration | 3/5 Batch payments and ERP connections; no API or test environment on the pages read. | 5/5 API with sandbox, batch payments, accounting connections and self-serve sign-up. |
| Regulatory standing | 4/5 Licences named in eight regions; only the FinCEN registration number published. | 5/5 Licences by country published with regulator and licence numbers. |
Each criterion is scored 0 to 5 against the best published offer in the Cross-border Payments and Remittance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Payoneer | Wise Business |
|---|---|---|
| Payment reach | "receive, send, and manage cross-border payments across 190+ countries and territories and 70+ currencies". | "Pay in 40+ currencies" (ways to pay page). No country count for business payments on the pages read. |
| Pricing | Receiving into a local-currency receiving account: "Free"; non-local currency: "1% (minimum fee of 1.00 USD or equivalent)". Withdrawal in same country and currency: 1.50 USD; cross-border withdrawal: 1.2% to 4%. Moving funds between balances: 0.50%. Annual account fee 29.95 USD under 6,000 USD received in 12 months. "Last updated on 1 January 2026." | One set-up fee: "All in for 50 GBP"; account details in 22 currencies: 50 GBP. Sending and converting: "Fee varies by currency", "From 0.24%". Receiving: domestic payments free; USD wire and Swift 6.11 USD, GBP Swift 2.16 GBP, EUR Swift 2.39 EUR per payment. Volume discount above 20,000 GBP a month. |
| Payment speed | Withdraw "to your local bank typically within 24 hours" (receiving accounts page). | "70% arrive in 20 seconds and 95% in under 24 hours", "Accurate as of Q3, 2025". |
| Collection accounts | "get receiving account details in 22 currencies", including local details in 13 currencies: USD, EUR, GBP, JPY, AUD, CAD, SGD, HKD, AED, MXN, BRL, KRW and IDR. | "Getting account details to receive in 22 currencies"; domestic receipts free in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD and USD. |
| Integration | "Preview and make up to 1000 payments in one action"; "ERP to data warehouse, Payoneer connects to your systems"; no-code payment links. No API or test environment on the pages read. | Open API with a free sandbox account; batch payments of "up to 1,000 transfers at a time" by CSV upload; accounting software connections; online sign-up. |
| Regulatory standing | FinCEN MSB Registration No. 31000288349183; e-money institution authorised by the Central Bank of Ireland; Payoneer Payment Services (UK) Limited, FCA e-money institution; HK MSO; Kanto Finance Bureau registration; ASIC; RBI; MAS Major Payment Institution. Only the FinCEN number is shown. | Wise Payments Limited: FCA EMI, Firm Reference 900507. Licence page by country includes ASIC AFSL 513764, National Bank of Belgium payment institution, FINTRAC MSB M15193392, HK MSO 25-03-03263 and Kanto Local Financial Bureau registration 00040. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Payoneer: nothing in this profile is marked as not published or not stated.
Not published or not stated by Wise Business: nothing in this profile is marked as not published or not stated.
Facts read on 26 October 2026 from: payoneer.com, payoneer.com/about/pricing, payoneer.com/receiving-accounts, payoneer.com/legal/…; and wise.com/gb/business, wise.com/gb/pricing/business, wise.com/gb/business/ways-to-pay, wise.com/gb/business/api, wise.com/help/articles/2932693/….
Awards follow from the published scores and cannot be bought.
No award in this index.
From each provider's strongest criteria and published terms.
Online sellers and service firms collecting from marketplaces and clients abroad.
Small businesses wanting fast payments and a full public API.
Tell us what you need and where you operate.