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Wise Business vs Flutterwave

Of the 170 countries we track, Wise Business onboards businesses in 42 (and 10 more with limits) and Flutterwave in 12 (and 153 more with limits). Both serve businesses in 52.

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Onboards businesses in United States

Wise Business

Available

Flutterwave

Available

Accept payments

Wise Business

Payment links and Quick Pay for getting paid. This is not a full online checkout.

Flutterwave

Online payment acceptance through checkout, payment links, invoices, a store builder and POS. Local methods include cards, bank transfer, bank account debit, USSD, mobile money and M-Pesa, depending on currency. Flutterwave says it collects in 30+ currencies.

Pay people abroad

Wise Business

Send money to 140+ countries at the mid-market rate, including batch payments.

Flutterwave

Transfers from your balance to bank accounts, mobile money or other Flutterwave accounts, singly or in bulk, plus cash pickup in Egypt. Bank transfer guides cover Cameroon, Côte d'Ivoire, Egypt, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, South Africa, Tanzania, Uganda and international USD, EUR and GBP. Egypt bank transfers are off by default.

Multi-currency account

Wise Business

Hold 40+ currencies and get local account details in around 10 of them.

Flutterwave

Virtual account numbers for receiving NGN and GHS bank transfers (by default for merchants in Nigeria and Ghana; others must ask). NGN-only wallets (payout subaccounts) can be created for your users. Flutterwave also holds a Nigerian microfinance banking licence and offers a Flutterwave MFB business account.

Business cards

Wise Business

Wise Business debit cards that spend in local currency.

Flutterwave

Flutterwave Issuing: virtual dollar and naira cards via dashboard or API, and physical naira cards for customers or employees (contact sales). Country eligibility is not stated.

Stablecoins

Wise Business

Not offered

Flutterwave

Stablecoin wallets and transfers: fund a USDC/USDT/RLUSD wallet from NGN, USD, GBP, EUR or GHS balances and send to wallet addresses on Solana, Ethereum, Base or Polygon.

Yield on idle cash

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.

Flutterwave

Not offered

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

Wise Business

Low risk, not insuredMoney market fund

Flutterwave

No yield offered

Is the money protected?

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.

Flutterwave

–

Does the rate change?

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.

Flutterwave

–

Fees

Published prices only, with the date we read them. Many providers negotiate prices instead.

How pricing works

Wise Business

Wise Business publishes its prices. Registering is free; a one-time 50 GBP (UK) / 31 USD (US) fee unlocks account details and all business features. Sending and converting money starts at 0.24% (UK) / 0.23% (US) depending on currency; receiving domestic (non-Swift) payments is free; Swift receipts have fixed fees (e.g. 6.11 USD for USD wires).

Flutterwave

Not yet researched

Published prices

Wise Business

Registration (UK): FreeAccount details / set-up fee (UK): 50 GBP one-time fee for account details to receive in 22 currenciesAccount details / set-up fee (US): 31 USD one-time set-up feeSending and converting money (UK): From 0.24%, varies by currencySending and converting money (US): From 0.23%, varies by currencyReceiving domestic payments (UK account): Free for AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD (non-Swift / non-wire)

Flutterwave

–

What you can sell

From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.

Software and digital goods

Wise Business

Not stated

Flutterwave

Not yet researched

Crypto

Wise Business

Not allowedCompanies involved in exchanging or trading cryptocurrencies or other virtual currencies, and payments to buy crypto, are not supported.

Flutterwave

Not yet researched

Lending and financial services

Wise Business

RestrictedMoney service businesses (currency exchange, money transmission, cheque cashing, payment processing), binary options, escrow, FX/CFD/options trading platforms, shell banks and unlicensed financial services are not supported. Licensed lending, insurance and similar services are not mentioned, so the category is only partly barred.

Flutterwave

Not yet researched

Gambling

Wise Business

Not allowedGambling, lotteries, fantasy sports and games of chance with cash prizes are not supported; any gambling linked to a list of countries (including the US) is excluded, and other gambling is at Wise's discretion.

Flutterwave

Not yet researched

Adult content

Wise Business

Not allowedAdult content, pornography, sexual services and sexually oriented establishments are not supported.

Flutterwave

Not yet researched

Dating

Wise Business

Not stated

Flutterwave

Not yet researched

Firearms and weapons

Wise Business

Not allowedWeaponry, military and semi-military goods and services are not supported.

Flutterwave

Not yet researched

Cannabis and CBD

Wise Business

Not allowedCannabis, CBD products and legal marijuana trade are not supported.

Flutterwave

Not yet researched

Supplements

Wise Business

Not allowedListed as unsupported: 'Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body', plus smart drugs and nootropic supplements. The wording could be read as covering only products that make unverified health claims. Prohibited is the cautious reading. Confidence medium.

Flutterwave

Not yet researched

Pharmacy and telemedicine

Wise Business

Not allowedPharmaceuticals, online pharmacies and prescription-only drugs are not supported.

Flutterwave

Not yet researched

Travel

Wise Business

Not stated

Flutterwave

Not yet researched

Multi-level marketing

Wise Business

Not allowedMulti-level marketing, pyramid schemes, get-rich-quick schemes and referral marketing are not supported.

Flutterwave

Not yet researched

Free-trial subscriptions

Wise Business

Not stated

Flutterwave

Not yet researched

Platform & marketplace

Run payments for other businesses: sign them up, take a cut, pay them out.

Sub-accounts for your users

Wise Business

PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants.

Flutterwave

PartlySubaccounts are bank accounts that receive split payments. Flutterwave says the platform, not Flutterwave, is responsible for vetting merchants it adds.

Split payments and platform fees

Wise Business

NoNot a payment processor.

Flutterwave

YesSplit an incoming payment and a commission between one or more subaccounts, by percentage or flat amount.

Embeddable UI

Wise Business

Not confirmedNot confirmed.

Flutterwave

PartlyPrebuilt checkout options (Inline, Standard, HTML checkout), payment links and a store builder. No white-label onboarding or payout components were found.

Pay out to your users

Wise Business

YesPartners send money abroad for their customers through Wise; banks can route Swift payments to Wise.

Flutterwave

YesBank, mobile money, wallet-to-wallet and cash-pickup transfers across many African countries, plus USD, EUR and GBP; Flutterwave cites 40+ payout countries.

Embedded finance for your users

Give your users financial products under your brand.

Accounts that hold money

Wise Business

PartlyPartners can offer Wise’s multi-currency features to their customers.

Flutterwave

PartlyPayout subaccounts create NGN-only wallets with a dedicated virtual account number for your end users. The FaaS page also advertises branded deposit accounts via API. Non-NGN user accounts were not found.

Cards for your users

Wise Business

Not confirmedNot confirmed for partners.

Flutterwave

YesVirtual dollar and naira cards via API, and physical naira cards for your customers or employees.

Financing for your users

Wise Business

NoWise does not lend.

Flutterwave

Not confirmedFlutterwave Capital lends to Flutterwave's own merchants in Nigeria, through partner banks. No product for platforms to offer loans to their users was found.

Consumer apps

Build for individuals, not just businesses, the way Bridge allows.

End users can be individuals

Wise Business

YesBuilt for consumer-facing partners: banks such as Standard Chartered, Bank Mandiri and Shinhan embed it for retail customers.

Flutterwave

PartlyPayout-subaccount wallets can be created for consumers, and the FaaS page advertises KYC and consumer deposit accounts. Consumer onboarding requirements are not documented.

Consumer wallets or accounts

Wise Business

PartlyThrough partner integrations of Wise accounts.

Flutterwave

PartlyNGN-only wallets held on behalf of your consumers (payout subaccounts).

Consumer cards

Wise Business

Not confirmedNot confirmed for partners.

Flutterwave

PartlyThe FaaS page advertises branded virtual and physical consumer debit cards. No developer documentation of a consumer card programme was fetched.

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Wise Business

NoNo stablecoin product found in public materials.

Flutterwave

PartlyFlutterwave's stablecoin docs mention transactions to and from wallet addresses and stablecoin-to-fiat conversion, but document only outbound transfers. No inbound stablecoin collection flow was found.

Hold stablecoin balances

Wise Business

NoNo stablecoin product found in public materials.

Flutterwave

YesA stablecoin wallet balance funded by converting from fiat balances.

Pay out in stablecoins

Wise Business

NoNo stablecoin product found in public materials.

Flutterwave

YesSend USDC, USDT or RLUSD to external wallets on Solana, Ethereum, Base or Polygon. Cross-stablecoin transfers (USDC to a USDT address) are not supported.

Issue your own stablecoin

Wise Business

NoNo stablecoin product found in public materials.

Flutterwave

Not confirmedNot found in public materials (provider's own pages checked).

Regulatory risk in United States

Wise Business

No stablecoin products

Flutterwave

Low risk

AI agents

Build with AI tools, and let AI agents shop and pay.

Official MCP server

Wise Business

Not confirmedNo official MCP server found; only community-built ones.

Flutterwave

Not confirmedNo MCP server is published on Flutterwave's own pages. Community servers exist on GitHub but are not official.

Checkout for AI agents

Wise Business

NoDoes not process checkout payments, so there is nothing for an agent to check out with.

Flutterwave

Not confirmedNot found in public materials (provider's own pages checked).

Cards for AI agents

Wise Business

Not confirmedNot found in public materials.

Flutterwave

Not confirmedNot found in public materials (provider's own pages checked).

Working with them

How easy it is to get started.

Self-serve signup

Wise Business

PartlyWise Business is self-serve; Wise Platform partnerships are sales-led.

Flutterwave

Not confirmedNot researched yet.

Published pricing

Wise Business

YesTransfer fees are published.

Flutterwave

Not confirmedNot researched yet.

Public API and sandbox

Wise Business

YesPublic API and sandbox.

Flutterwave

Not confirmedNot researched yet.

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

Wise Business

AnnouncedA new US trust bank applicationNo date given · Includes United States

Details and sources →

Flutterwave

Nothing announced

In short

Countries onboarded

Wise Business

42 of 170

Flutterwave

12 of 170

Designed for

Wise Business

Receiving client payments in USD, EUR or GBP and converting at the mid-market rate.

Flutterwave

Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account.

Limitations

Wise Business

Offers payment links rather than a full online checkout.

Flutterwave

Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use.

	Wise Business Global account	Flutterwave Regional processor
Onboards businesses in United States	Available	Available
Accept payments	Payment links and Quick Pay for getting paid. This is not a full online checkout.	Online payment acceptance through checkout, payment links, invoices, a store builder and POS. Local methods include cards, bank transfer, bank account debit, USSD, mobile money and M-Pesa, depending on currency. Flutterwave says it collects in 30+ currencies.
Pay people abroad	Send money to 140+ countries at the mid-market rate, including batch payments.	Transfers from your balance to bank accounts, mobile money or other Flutterwave accounts, singly or in bulk, plus cash pickup in Egypt. Bank transfer guides cover Cameroon, Côte d'Ivoire, Egypt, Ghana, Kenya, Malawi, Nigeria, Rwanda, Senegal, South Africa, Tanzania, Uganda and international USD, EUR and GBP. Egypt bank transfers are off by default.
Multi-currency account	Hold 40+ currencies and get local account details in around 10 of them.	Virtual account numbers for receiving NGN and GHS bank transfers (by default for merchants in Nigeria and Ghana; others must ask). NGN-only wallets (payout subaccounts) can be created for your users. Flutterwave also holds a Nigerian microfinance banking licence and offers a Flutterwave MFB business account.
Business cards	Wise Business debit cards that spend in local currency.	Flutterwave Issuing: virtual dollar and naira cards via dashboard or API, and physical naira cards for customers or employees (contact sales). Country eligibility is not stated.
Stablecoins	Not offered	Stablecoin wallets and transfers: fund a USDC/USDT/RLUSD wallet from NGN, USD, GBP, EUR or GHS balances and send to wallet addresses on Solana, Ethereum, Base or Polygon.
Yield on idle cash	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.	Not offered
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	No yield offered
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.	–
FeesPublished prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works	Wise Business publishes its prices. Registering is free; a one-time 50 GBP (UK) / 31 USD (US) fee unlocks account details and all business features. Sending and converting money starts at 0.24% (UK) / 0.23% (US) depending on currency; receiving domestic (non-Swift) payments is free; Swift receipts have fixed fees (e.g. 6.11 USD for USD wires).	Not yet researched
Published prices	Registration (UK): FreeAccount details / set-up fee (UK): 50 GBP one-time fee for account details to receive in 22 currenciesAccount details / set-up fee (US): 31 USD one-time set-up feeSending and converting money (UK): From 0.24%, varies by currencySending and converting money (US): From 0.23%, varies by currencyReceiving domestic payments (UK account): Free for AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD (non-Swift / non-wire)	–
What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods	Not stated	Not yet researched
Crypto	Not allowedCompanies involved in exchanging or trading cryptocurrencies or other virtual currencies, and payments to buy crypto, are not supported.	Not yet researched
Lending and financial services	RestrictedMoney service businesses (currency exchange, money transmission, cheque cashing, payment processing), binary options, escrow, FX/CFD/options trading platforms, shell banks and unlicensed financial services are not supported. Licensed lending, insurance and similar services are not mentioned, so the category is only partly barred.	Not yet researched
Gambling	Not allowedGambling, lotteries, fantasy sports and games of chance with cash prizes are not supported; any gambling linked to a list of countries (including the US) is excluded, and other gambling is at Wise's discretion.	Not yet researched
Adult content	Not allowedAdult content, pornography, sexual services and sexually oriented establishments are not supported.	Not yet researched
Dating	Not stated	Not yet researched
Firearms and weapons	Not allowedWeaponry, military and semi-military goods and services are not supported.	Not yet researched
Cannabis and CBD	Not allowedCannabis, CBD products and legal marijuana trade are not supported.	Not yet researched
Supplements	Not allowedListed as unsupported: 'Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body', plus smart drugs and nootropic supplements. The wording could be read as covering only products that make unverified health claims. Prohibited is the cautious reading. Confidence medium.	Not yet researched
Pharmacy and telemedicine	Not allowedPharmaceuticals, online pharmacies and prescription-only drugs are not supported.	Not yet researched
Travel	Not stated	Not yet researched
Multi-level marketing	Not allowedMulti-level marketing, pyramid schemes, get-rich-quick schemes and referral marketing are not supported.	Not yet researched
Free-trial subscriptions	Not stated	Not yet researched
Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users	PartlyWise Platform lets banks and enterprises embed Wise for their customers. It does not onboard sub-merchants.	PartlySubaccounts are bank accounts that receive split payments. Flutterwave says the platform, not Flutterwave, is responsible for vetting merchants it adds.
Split payments and platform fees	NoNot a payment processor.	YesSplit an incoming payment and a commission between one or more subaccounts, by percentage or flat amount.
Embeddable UI	Not confirmedNot confirmed.	PartlyPrebuilt checkout options (Inline, Standard, HTML checkout), payment links and a store builder. No white-label onboarding or payout components were found.
Pay out to your users	YesPartners send money abroad for their customers through Wise; banks can route Swift payments to Wise.	YesBank, mobile money, wallet-to-wallet and cash-pickup transfers across many African countries, plus USD, EUR and GBP; Flutterwave cites 40+ payout countries.
Embedded finance for your usersGive your users financial products under your brand.
Accounts that hold money	PartlyPartners can offer Wise’s multi-currency features to their customers.	PartlyPayout subaccounts create NGN-only wallets with a dedicated virtual account number for your end users. The FaaS page also advertises branded deposit accounts via API. Non-NGN user accounts were not found.
Cards for your users	Not confirmedNot confirmed for partners.	YesVirtual dollar and naira cards via API, and physical naira cards for your customers or employees.
Financing for your users	NoWise does not lend.	Not confirmedFlutterwave Capital lends to Flutterwave's own merchants in Nigeria, through partner banks. No product for platforms to offer loans to their users was found.
Consumer appsBuild for individuals, not just businesses, the way Bridge allows.
End users can be individuals	YesBuilt for consumer-facing partners: banks such as Standard Chartered, Bank Mandiri and Shinhan embed it for retail customers.	PartlyPayout-subaccount wallets can be created for consumers, and the FaaS page advertises KYC and consumer deposit accounts. Consumer onboarding requirements are not documented.
Consumer wallets or accounts	PartlyThrough partner integrations of Wise accounts.	PartlyNGN-only wallets held on behalf of your consumers (payout subaccounts).
Consumer cards	Not confirmedNot confirmed for partners.	PartlyThe FaaS page advertises branded virtual and physical consumer debit cards. No developer documentation of a consumer card programme was fetched.
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	NoNo stablecoin product found in public materials.	PartlyFlutterwave's stablecoin docs mention transactions to and from wallet addresses and stablecoin-to-fiat conversion, but document only outbound transfers. No inbound stablecoin collection flow was found.
Hold stablecoin balances	NoNo stablecoin product found in public materials.	YesA stablecoin wallet balance funded by converting from fiat balances.
Pay out in stablecoins	NoNo stablecoin product found in public materials.	YesSend USDC, USDT or RLUSD to external wallets on Solana, Ethereum, Base or Polygon. Cross-stablecoin transfers (USDC to a USDT address) are not supported.
Issue your own stablecoin	NoNo stablecoin product found in public materials.	Not confirmedNot found in public materials (provider's own pages checked).
Regulatory risk in United States	No stablecoin products	Low risk
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 MCP server is published on Flutterwave's own pages. Community servers exist on GitHub but are not official.
Checkout for AI agents	NoDoes not process checkout payments, so there is nothing for an agent to check out with.	Not confirmedNot found in public materials (provider's own pages checked).
Cards for AI agents	Not confirmedNot found in public materials.	Not confirmedNot found in public materials (provider's own pages checked).
Working with themHow easy it is to get started.
Self-serve signup	PartlyWise Business is self-serve; Wise Platform partnerships are sales-led.	Not confirmedNot researched yet.
Published pricing	YesTransfer fees are published.	Not confirmedNot researched yet.
Public API and sandbox	YesPublic API and sandbox.	Not confirmedNot researched yet.
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	AnnouncedA new US trust bank applicationNo date given · Includes United States Details and sources →	Nothing announced
In short
Countries onboarded	42 of 170	12 of 170
Designed for	Receiving client payments in USD, EUR or GBP and converting at the mid-market rate.	Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account.
Limitations	Offers payment links rather than a full online checkout.	Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use.

Common questions

Is Wise Business or Flutterwave available in more countries?

Flutterwave. Of the 170 countries we track, Wise Business onboards businesses in 42 (and 10 more with limits) and Flutterwave in 12 (and 153 more with limits). Both serve businesses in 52. Only Flutterwave: Mexico, Argentina, Chile, Peru, Cyprus, Malta, United Arab Emirates, Saudi Arabia, Israel, Egypt, Nigeria, Ghana and 101 more.

What do Wise Business and Flutterwave offer?

Accept payments: Wise Business yes, Flutterwave yes. Pay people abroad: Wise Business yes, Flutterwave yes. Multi-currency account: Wise Business yes, Flutterwave yes. Business cards: Wise Business yes, Flutterwave yes. Stablecoins: Wise Business no, Flutterwave yes. Yield on idle cash: Wise Business yes, Flutterwave no.

How do Wise Business and Flutterwave differ for platforms and embedded finance?

Split payments and platform fees: Wise Business no, Flutterwave yes. Embeddable UI: Wise Business not confirmed, Flutterwave partly. Cards for your users: Wise Business not confirmed, Flutterwave yes. Financing for your users: Wise Business no, Flutterwave not confirmed. End users can be individuals: Wise Business yes, Flutterwave partly. Consumer cards: Wise Business not confirmed, Flutterwave partly. Accept stablecoins: Wise Business no, Flutterwave partly. Hold stablecoin balances: Wise Business no, Flutterwave yes. Pay out in stablecoins: Wise Business no, Flutterwave yes. Issue your own stablecoin: Wise Business no, Flutterwave not confirmed. Checkout for AI agents: Wise Business no, Flutterwave not confirmed.

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.

Who is Flutterwave designed for?

Businesses that need local collection and payouts across many African countries, plus US, UK and EU collection, from one account. Limitations: Products differ by country and currency, and Flutterwave does not say what businesses outside its 12 named countries can use.