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Adyen vs Wise Business
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Onboards businesses in United States
Adyen
AvailableWise Business
AvailableAccept payments
Adyen
Enterprise acquiring with local payment methods across most major markets, online and in person.Wise Business
Payment links and Quick Pay for getting paid. This is not a full online checkout.Pay people abroad
Adyen
Pay out to sellers and users through Adyen for Platforms.Wise Business
Send money to 140+ countries at the mid-market rate, including batch payments.Multi-currency account
Adyen
Business accounts for platform users in selected markets.Wise Business
Hold 40+ currencies and get local account details in around 10 of them.Business cards
Adyen
Card issuing for platforms and businesses.Wise Business
Wise Business debit cards that spend in local currency.Stablecoins
Adyen
Not offeredWise Business
Not offeredYield on idle cash
Adyen
Not offeredWise Business
Wise Interest invests GBP, USD and EUR balances in BlackRock government money market funds (a Franklin Templeton fund in Australia). Wise warns that your money is at risk. Not available to US customers.Not for businesses in United States.Yield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Adyen
No yield offeredWise Business
Low risk, not insuredMoney market fundIs the money protected?
Adyen
–Wise Business
Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses.Does the rate change?
Adyen
–Wise Business
Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 4% on USD and 3.7% on GBP after fees (May 2025)Not for businesses in United States.Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Adyen
YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC.Wise Business
PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants.Split payments and platform fees
Adyen
YesSplit each payment between users and take platform commission.Wise Business
NoNot a payment processor.Embeddable UI
Adyen
YesHosted onboarding and embeddable components for users.Wise Business
Not confirmedNot confirmed.Pay out to your users
Adyen
YesPayouts to users’ bank accounts, or into Adyen business accounts.Wise Business
YesPartners send money abroad for their customers through Wise; banks can route Swift payments to Wise.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Adyen
PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development.Wise Business
PartlyPartners can offer Wise’s multi-currency features to their customers.Cards for your users
Adyen
YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.Wise Business
Not confirmedNot confirmed for partners.Financing for your users
Adyen
YesCapital for platform users in Europe, the UK, Australia and the US.Wise Business
NoWise does not lend.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Adyen
NoAccount holders are organisations and sole proprietors, not consumers.Wise Business
YesBuilt for consumer-facing partners: banks such as Standard Chartered, Bank Mandiri and Shinhan embed it for retail customers.Consumer wallets or accounts
Adyen
NoBusiness accounts only.Wise Business
PartlyThrough partner integrations of Wise accounts.Consumer cards
Adyen
NoCards serve platforms and their business users, for example payout cards for marketplace sellers.Wise Business
Not confirmedNot confirmed for partners.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Adyen
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Hold stablecoin balances
Adyen
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Pay out in stablecoins
Adyen
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Issue your own stablecoin
Adyen
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Regulatory risk in United States
Adyen
No stablecoin productsWise Business
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Adyen
Not confirmedNo official MCP server found; only community-built ones.Wise Business
Not confirmedNo official MCP server found; only community-built ones.Checkout for AI agents
Adyen
YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol.Wise Business
NoDoes not process checkout payments, so there is nothing for an agent to check out with.Cards for AI agents
Adyen
Not confirmedNot found in public materials.Wise Business
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
Adyen
PartlyMost businesses go through Adyen’s sales team.Wise Business
PartlyWise Business is self-serve; Wise Platform partnerships are sales-led.Published pricing
Adyen
PartlyPer-transaction fees by payment method are published; overall terms are negotiated.Wise Business
YesTransfer fees are published.Public API and sandbox
Adyen
YesPublic API and test environment.Wise Business
YesPublic API and sandbox.Coming soon
Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live
Adyen
Nothing announcedWise Business
In short
Countries onboarded
Adyen
43 of 170Wise Business
39 of 170Designed for
Adyen
High-volume merchants that want local acquiring and one contract across many regions.Wise Business
Receiving client payments in USD, EUR or GBP and converting at the mid-market rate.Limitations
Adyen
Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.Wise Business
Offers payment links rather than a full online checkout.| Adyen Payment processor | Wise Business Global account | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Enterprise acquiring with local payment methods across most major markets, online and in person. | Payment links and Quick Pay for getting paid. This is not a full online checkout. |
| Pay people abroad | Pay out to sellers and users through Adyen for Platforms. | Send money to 140+ countries at the mid-market rate, including batch payments. |
| Multi-currency account | Business accounts for platform users in selected markets. | Hold 40+ currencies and get local account details in around 10 of them. |
| Business cards | Card issuing for platforms and businesses. | Wise Business debit cards that spend in local currency. |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Wise Interest invests GBP, USD and EUR balances in BlackRock government money market funds (a Franklin Templeton fund in Australia). Wise warns that your money is at risk. Not available to US customers.Not for businesses in United States. |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | Low risk, not insuredMoney market fund |
| Is the money protected? | – | Not a deposit and not insured. The fund holds short-term government debt and aims to keep its value stable, but that is not guaranteed. Broker protection (SIPC in the US) covers the broker failing, not investment losses. |
| Does the rate change? | – | Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 4% on USD and 3.7% on GBP after fees (May 2025)Not for businesses in United States. |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC. | PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants. |
| Split payments and platform fees | YesSplit each payment between users and take platform commission. | NoNot a payment processor. |
| Embeddable UI | YesHosted onboarding and embeddable components for users. | Not confirmedNot confirmed. |
| Pay out to your users | YesPayouts to users’ bank accounts, or into Adyen business accounts. | YesPartners send money abroad for their customers through Wise; banks can route Swift payments to Wise. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development. | PartlyPartners can offer Wise’s multi-currency features to their customers. |
| Cards for your users | YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US. | Not confirmedNot confirmed for partners. |
| Financing for your users | YesCapital for platform users in Europe, the UK, Australia and the US. | NoWise does not lend. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | NoAccount holders are organisations and sole proprietors, not consumers. | YesBuilt for consumer-facing partners: banks such as Standard Chartered, Bank Mandiri and Shinhan embed it for retail customers. |
| Consumer wallets or accounts | NoBusiness accounts only. | PartlyThrough partner integrations of Wise accounts. |
| Consumer cards | NoCards serve platforms and their business users, for example payout cards for marketplace sellers. | Not confirmedNot confirmed for partners. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Hold stablecoin balances | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Pay out in stablecoins | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Issue your own stablecoin | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | No stablecoin products | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | Not confirmedNo official MCP server found; only community-built ones. | Not confirmedNo official MCP server found; only community-built ones. |
| Checkout for AI agents | YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol. | NoDoes not process checkout payments, so there is nothing for an agent to check out with. |
| Cards for AI agents | Not confirmedNot found in public materials. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | PartlyMost businesses go through Adyen’s sales team. | PartlyWise Business is self-serve; Wise Platform partnerships are sales-led. |
| Published pricing | PartlyPer-transaction fees by payment method are published; overall terms are negotiated. | YesTransfer fees are published. |
| Public API and sandbox | YesPublic API and test environment. | YesPublic API and sandbox. |
| Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship. | ||
| Announced, not yet live | Nothing announced | AnnouncedA new US trust bank applicationNo date given · Includes United States Details and sources → |
| In short | ||
| Countries onboarded | 43 of 170 | 39 of 170 |
| Designed for | High-volume merchants that want local acquiring and one contract across many regions. | Receiving client payments in USD, EUR or GBP and converting at the mid-market rate. |
| Limitations | Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses. | Offers payment links rather than a full online checkout. |
Common questions
Is Adyen or Wise Business available in more countries?
Adyen. Of the 170 countries we track, Adyen onboards businesses in 43 and Wise Business in 39 (and 3 more with limits). Both serve businesses in 42. Only Adyen: India.
What do Adyen and Wise Business offer?
Accept payments: Adyen yes, Wise Business yes. Pay people abroad: Adyen yes, Wise Business yes. Multi-currency account: Adyen yes, Wise Business yes. Business cards: Adyen yes, Wise Business yes. Stablecoins: Adyen no, Wise Business no. Yield on idle cash: Adyen no, Wise Business yes.
How do Adyen and Wise Business differ for platforms and embedded finance?
Sub-accounts for your users: Adyen yes, Wise Business partly. Split payments and platform fees: Adyen yes, Wise Business no. Embeddable UI: Adyen yes, Wise Business not confirmed. Cards for your users: Adyen yes, Wise Business not confirmed. Financing for your users: Adyen yes, Wise Business no. End users can be individuals: Adyen no, Wise Business yes. Consumer wallets or accounts: Adyen no, Wise Business partly. Consumer cards: Adyen no, Wise Business not confirmed. Checkout for AI agents: Adyen yes, Wise Business no.
Who is Adyen designed for?
High-volume merchants that want local acquiring and one contract across many regions. Limitations: Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.
Who is Wise Business designed for?
Receiving client payments in USD, EUR or GBP and converting at the mid-market rate. Limitations: Offers payment links rather than a full online checkout.
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