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Airwallex vs Wise Business
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Onboards businesses in United States
Airwallex
AvailableWise Business
AvailableAccept payments
Airwallex
Online payments with cards and 160+ local methods, settled into multiple currencies.Wise Business
Payment links and Quick Pay for getting paid. This is not a full online checkout.Pay people abroad
Airwallex
Transfers to 150+ countries, often over local bank rails.Wise Business
Send money to 140+ countries at the mid-market rate, including batch payments.Multi-currency account
Airwallex
Global Accounts give you local bank details in 20+ currencies, so you get paid like a local business.Wise Business
Hold 40+ currencies and get local account details in around 10 of them.Business cards
Airwallex
Multi-currency corporate cards with spend controls.Wise Business
Wise Business debit cards that spend in local currency.Stablecoins
Airwallex
Not offeredWise Business
Not offeredYield on idle cash
Airwallex
Airwallex Yield invests idle balances in AAA-rated J.P. Morgan money market funds. Airwallex says it is not a savings or deposit product, and returns are variable.Wise 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
Airwallex
Low risk, not insuredMoney market fundWise Business
Low risk, not insuredMoney market fundIs the money protected?
Airwallex
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.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?
Airwallex
Floats daily with central bank rates, so it falls when rates are cut.Last seen: About 3.6–3.7% on USD in 2026, depending on planWise 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
Airwallex
YesConnected accounts for businesses and individuals, through hosted onboarding, embedded components or the native API.Wise Business
PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants.Split payments and platform fees
Airwallex
YesCollect payments on behalf of connected accounts and take a platform fee.Wise Business
NoNot a payment processor.Embeddable UI
Airwallex
YesEmbedded components for onboarding and account features.Wise Business
Not confirmedNot confirmed.Pay out to your users
Airwallex
YesTransfers to 150+ countries, often over local rails.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
Airwallex
YesEach connected account can get multi-currency wallets and local account numbers.Wise Business
PartlyPartners can offer Wise’s multi-currency features to their customers.Cards for your users
Airwallex
YesIssuing APIs for connected accounts’ cardholders, with secure card-display iframes.Wise Business
Not confirmedNot confirmed for partners.Financing for your users
Airwallex
Not confirmedNot confirmed.Wise Business
NoWise does not lend.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Airwallex
PartlyPlatforms can create connected accounts for individuals. Card issuing and third-party payouts need full KYC.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
Airwallex
PartlyWallets on connected accounts can belong to individuals.Wise Business
PartlyThrough partner integrations of Wise accounts.Consumer cards
Airwallex
Not confirmedPublic materials describe business card programs.Wise Business
Not confirmedNot confirmed for partners.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Airwallex
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Hold stablecoin balances
Airwallex
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Pay out in stablecoins
Airwallex
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Issue your own stablecoin
Airwallex
NoNo stablecoin product found in public materials.Wise Business
NoNo stablecoin product found in public materials.Regulatory risk in United States
Airwallex
No stablecoin productsWise Business
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Airwallex
YesAgentOS includes production, sandbox and docs MCP servers plus a CLI. Every money-out action needs a human to confirm it.Wise Business
Not confirmedNo official MCP server found; only community-built ones.Checkout for AI agents
Airwallex
Not confirmedNo agent checkout protocol support confirmed.Wise Business
NoDoes not process checkout payments, so there is nothing for an agent to check out with.Cards for AI agents
Airwallex
PartlyAgentOS includes a card provisioning workflow, with human confirmation before money moves.Wise Business
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
Airwallex
YesSign up online; platform products are sales-assisted.Wise Business
PartlyWise Business is self-serve; Wise Platform partnerships are sales-led.Published pricing
Airwallex
YesPricing pages by country.Wise Business
YesTransfer fees are published.Public API and sandbox
Airwallex
YesPublic API and sandbox.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
Airwallex
Wise Business
In short
Countries onboarded
Airwallex
39 of 170Wise Business
39 of 170Designed for
Airwallex
Businesses that collect in one currency and spend in another, without opening bank accounts abroad.Wise Business
Receiving client payments in USD, EUR or GBP and converting at the mid-market rate.Limitations
Airwallex
Which products you get depends on the country your business is registered in.Wise Business
Offers payment links rather than a full online checkout.| Airwallex Global account | Wise Business Global account | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Online payments with cards and 160+ local methods, settled into multiple currencies. | Payment links and Quick Pay for getting paid. This is not a full online checkout. |
| Pay people abroad | Transfers to 150+ countries, often over local bank rails. | Send money to 140+ countries at the mid-market rate, including batch payments. |
| Multi-currency account | Global Accounts give you local bank details in 20+ currencies, so you get paid like a local business. | Hold 40+ currencies and get local account details in around 10 of them. |
| Business cards | Multi-currency corporate cards with spend controls. | Wise Business debit cards that spend in local currency. |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Airwallex Yield invests idle balances in AAA-rated J.P. Morgan money market funds. Airwallex says it is not a savings or deposit product, and returns are variable. | 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 | Low risk, not insuredMoney market fund | 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. | 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 3.6–3.7% on USD in 2026, depending on plan | 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 | YesConnected accounts for businesses and individuals, through hosted onboarding, embedded components or the native API. | PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants. |
| Split payments and platform fees | YesCollect payments on behalf of connected accounts and take a platform fee. | NoNot a payment processor. |
| Embeddable UI | YesEmbedded components for onboarding and account features. | Not confirmedNot confirmed. |
| Pay out to your users | YesTransfers to 150+ countries, often over local rails. | 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 | YesEach connected account can get multi-currency wallets and local account numbers. | PartlyPartners can offer Wise’s multi-currency features to their customers. |
| Cards for your users | YesIssuing APIs for connected accounts’ cardholders, with secure card-display iframes. | Not confirmedNot confirmed for partners. |
| Financing for your users | Not confirmedNot confirmed. | NoWise does not lend. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyPlatforms can create connected accounts for individuals. Card issuing and third-party payouts need full KYC. | YesBuilt for consumer-facing partners: banks such as Standard Chartered, Bank Mandiri and Shinhan embed it for retail customers. |
| Consumer wallets or accounts | PartlyWallets on connected accounts can belong to individuals. | PartlyThrough partner integrations of Wise accounts. |
| Consumer cards | Not confirmedPublic materials describe business card programs. | 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 | YesAgentOS includes production, sandbox and docs MCP servers plus a CLI. Every money-out action needs a human to confirm it. | Not confirmedNo official MCP server found; only community-built ones. |
| Checkout for AI agents | Not confirmedNo agent checkout protocol support confirmed. | NoDoes not process checkout payments, so there is nothing for an agent to check out with. |
| Cards for AI agents | PartlyAgentOS includes a card provisioning workflow, with human confirmation before money moves. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online; platform products are sales-assisted. | PartlyWise Business is self-serve; Wise Platform partnerships are sales-led. |
| Published pricing | YesPricing pages by country. | YesTransfer fees are published. |
| Public API and sandbox | YesPublic API and sandbox. | 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 | AnnouncedAccounts and acquiring for Korean businessesExpected by the end of 2026 AnnouncedLater than expectedFull local service for Brazilian businessesExpected by the end of 2025, not launched yet Details and sources → | AnnouncedA new US trust bank applicationNo date given · Includes United States Details and sources → |
| In short | ||
| Countries onboarded | 39 of 170 | 39 of 170 |
| Designed for | Businesses that collect in one currency and spend in another, without opening bank accounts abroad. | Receiving client payments in USD, EUR or GBP and converting at the mid-market rate. |
| Limitations | Which products you get depends on the country your business is registered in. | Offers payment links rather than a full online checkout. |
Common questions
Is Airwallex or Wise Business available in more countries?
Airwallex. Of the 170 countries we track, Airwallex onboards businesses in 39 (and 5 more with limits) and Wise Business in 39 (and 3 more with limits). Both serve businesses in 42. Only Airwallex: Israel and China.
What do Airwallex and Wise Business offer?
Accept payments: Airwallex yes, Wise Business yes. Pay people abroad: Airwallex yes, Wise Business yes. Multi-currency account: Airwallex yes, Wise Business yes. Business cards: Airwallex yes, Wise Business yes. Stablecoins: Airwallex no, Wise Business no. Yield on idle cash: Airwallex yes, Wise Business yes.
How do Airwallex and Wise Business differ for platforms and embedded finance?
Sub-accounts for your users: Airwallex yes, Wise Business partly. Split payments and platform fees: Airwallex yes, Wise Business no. Embeddable UI: Airwallex yes, Wise Business not confirmed. Accounts that hold money: Airwallex yes, Wise Business partly. Cards for your users: Airwallex yes, Wise Business not confirmed. Financing for your users: Airwallex not confirmed, Wise Business no. End users can be individuals: Airwallex partly, Wise Business yes. Official MCP server: Airwallex yes, Wise Business not confirmed. Checkout for AI agents: Airwallex not confirmed, Wise Business no. Cards for AI agents: Airwallex partly, Wise Business not confirmed.
Who is Airwallex designed for?
Businesses that collect in one currency and spend in another, without opening bank accounts abroad. Limitations: Which products you get depends on the country your business is registered in.
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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