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Wise Business vs Rapyd

Of the 170 countries we track, Wise Business onboards businesses in 42 (and 10 more with limits) and Rapyd in 62. Both serve businesses in 45.

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Onboards businesses in United States

Wise Business

Available

Rapyd

Available

Accept payments

Wise Business

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

Rapyd

Online card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.

Pay people abroad

Wise Business

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

Rapyd

Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.

Multi-currency account

Wise Business

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

Rapyd

Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).

Business cards

Wise Business

Wise Business debit cards that spend in local currency.

Rapyd

Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.

Stablecoins

Wise Business

Not offered

Rapyd

Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.

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.

Rapyd

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

Rapyd

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.

Rapyd

–

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.

Rapyd

–

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).

Rapyd

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)

Rapyd

–

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

Rapyd

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.

Rapyd

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.

Rapyd

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.

Rapyd

Not yet researched

Adult content

Wise Business

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

Rapyd

Not yet researched

Dating

Wise Business

Not stated

Rapyd

Not yet researched

Firearms and weapons

Wise Business

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

Rapyd

Not yet researched

Cannabis and CBD

Wise Business

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

Rapyd

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.

Rapyd

Not yet researched

Pharmacy and telemedicine

Wise Business

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

Rapyd

Not yet researched

Travel

Wise Business

Not stated

Rapyd

Not yet researched

Multi-level marketing

Wise Business

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

Rapyd

Not yet researched

Free-trial subscriptions

Wise Business

Not stated

Rapyd

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.

Rapyd

YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.

Split payments and platform fees

Wise Business

NoNot a payment processor.

Rapyd

YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.

Embeddable UI

Wise Business

Not confirmedNot confirmed.

Rapyd

PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.

Pay out to your users

Wise Business

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

Rapyd

YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.

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.

Rapyd

YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.

Cards for your users

Wise Business

Not confirmedNot confirmed for partners.

Rapyd

YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.

Financing for your users

Wise Business

NoWise does not lend.

Rapyd

Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were 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.

Rapyd

YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.

Consumer wallets or accounts

Wise Business

PartlyThrough partner integrations of Wise accounts.

Rapyd

YesPlatforms can create personal wallets for their customers.

Consumer cards

Wise Business

Not confirmedNot confirmed for partners.

Rapyd

YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.

Stablecoins

Dollar-backed tokens as a payment and treasury rail.

Accept stablecoins

Wise Business

NoNo stablecoin product found in public materials.

Rapyd

YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).

Hold stablecoin balances

Wise Business

NoNo stablecoin product found in public materials.

Rapyd

YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.

Pay out in stablecoins

Wise Business

NoNo stablecoin product found in public materials.

Rapyd

YesStablecoin payouts are listed as a Disburse rail.

Issue your own stablecoin

Wise Business

NoNo stablecoin product found in public materials.

Rapyd

NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.

Regulatory risk in United States

Wise Business

No stablecoin products

Rapyd

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.

Rapyd

Not confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).

Checkout for AI agents

Wise Business

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

Rapyd

Not confirmedNot found in public materials.

Cards for AI agents

Wise Business

Not confirmedNot found in public materials.

Rapyd

Not confirmedNot found in public materials.

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.

Rapyd

Not confirmedNot researched yet.

Published pricing

Wise Business

YesTransfer fees are published.

Rapyd

Not confirmedNot researched yet.

Public API and sandbox

Wise Business

YesPublic API and sandbox.

Rapyd

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 →

Rapyd

Nothing announced

In short

Countries onboarded

Wise Business

42 of 170

Rapyd

62 of 170

Designed for

Wise Business

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

Rapyd

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.

Limitations

Wise Business

Offers payment links rather than a full online checkout.

Rapyd

Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

	Wise Business Global account	Rapyd Payment 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 card acquiring and local payment methods (cards, wallets, bank transfers, stablecoins, cash vouchers) through an API, hosted checkout, payment links and plugins, with subscriptions. Rapyd says customers can pay from 190+ markets in 150+ currencies.
Pay people abroad	Send money to 140+ countries at the mid-market rate, including batch payments.	Rapyd Disburse sends single and mass payouts by bank transfer, real-time payment networks, card payouts (Visa Direct, Mastercard Send), stablecoins and third-party wallets. Rapyd states 190+ countries and 120+ currencies.
Multi-currency account	Hold 40+ currencies and get local account details in around 10 of them.	Every Rapyd client gets a Rapyd Wallet: a multi-currency balance with fiat and stablecoin support, sub-accounts, and virtual account numbers (vIBANs and local formats) for receiving transfers. Rapyd also documents a separate Rapyd Business Account for Hong Kong businesses (HKD, USD, EUR and GBP balances; HK, UK and Europe receiving accounts).
Business cards	Wise Business debit cards that spend in local currency.	Rapyd Issuing creates pre-funded physical and virtual cards drawn on a Rapyd Wallet, with spending limits and merchant restrictions. Issuing is offered in specific countries only, confirmed with sales; Rapyd cites 10+ markets.
Stablecoins	Not offered	Since 9 September 2025, businesses can accept stablecoin payments (converted to fiat), settle in stablecoins or fiat, and pay out in stablecoins. Rapyd says this runs through regulated third-party partners and that it does not itself issue, custody or directly process crypto assets. Supported coins are not named.
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.	YesPartners create merchant organisations and submit KYB applications, including sub-merchant applications, through the partner onboarding API. Merchants who use Rapyd through a marketplace complete Rapyd's own KYB through a hosted page.
Split payments and platform fees	NoNot a payment processor.	YesThe marketplace solution splits payments by predefined rules; the seller's share lands in a sub-account.
Embeddable UI	Not confirmedNot confirmed.	PartlyRapyd offers hosted pages (identity verification, virtual card display, hosted checkout) and markets white-label checkout and payouts. Embeddable onboarding components were not found.
Pay out to your users	YesPartners send money abroad for their customers through Wise; banks can route Swift payments to Wise.	YesDisburse supports B2B, B2C and C2C payouts to bank accounts, cards, RTP networks, wallets and stablecoins.
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.	YesPlatforms issue wallets to consumers and businesses; each wallet can have several virtual account numbers.
Cards for your users	Not confirmedNot confirmed for partners.	YesCards are funded by a Rapyd Wallet and linked to a wallet contact; issuing countries are confirmed with sales.
Financing for your users	NoWise does not lend.	Not confirmedNo lending product found. The Wallet FAQ says the infrastructure enables 'fintech capabilities like lending', but no lending product or terms were 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.	YesWallets of type 'person' are for individual consumers, and Rapyd offers a hosted KYC page for wallet contacts.
Consumer wallets or accounts	PartlyThrough partner integrations of Wise accounts.	YesPlatforms can create personal wallets for their customers.
Consumer cards	Not confirmedNot confirmed for partners.	YesRapyd's docs describe Issuing as issuing cards to consumers and businesses. Issuing countries are confirmed with sales.
StablecoinsDollar-backed tokens as a payment and treasury rail.
Accept stablecoins	NoNo stablecoin product found in public materials.	YesAccept stablecoin payments and convert to fiat, or settle in stablecoin (since 9 Sep 2025, through third-party partners).
Hold stablecoin balances	NoNo stablecoin product found in public materials.	YesRapyd says the Wallet natively supports stablecoins and that businesses can settle in stablecoins. Rapyd itself does not custody crypto; partners provide this.
Pay out in stablecoins	NoNo stablecoin product found in public materials.	YesStablecoin payouts are listed as a Disburse rail.
Issue your own stablecoin	NoNo stablecoin product found in public materials.	NoRapyd states it does not itself issue crypto assets; no branded-stablecoin product was found.
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 confirmedNot found in public materials (Rapyd docs navigation and a web search, Oct 2026).
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.
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	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	62 of 170
Designed for	Receiving client payments in USD, EUR or GBP and converting at the mid-market rate.	Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API.
Limitations	Offers payment links rather than a full online checkout.	Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.

Common questions

Is Wise Business or Rapyd available in more countries?

Rapyd. Of the 170 countries we track, Wise Business onboards businesses in 42 (and 10 more with limits) and Rapyd in 62. Both serve businesses in 45. Only Wise Business: Canada, Kenya, China, Ukraine, Bhutan, Papua New Guinea and Solomon Islands. Only Rapyd: Mexico, Argentina, Chile, Peru, Cyprus, Malta, Israel, Taiwan, Malaysia, Vietnam, Dominican Republic, El Salvador and 5 more.

What do Wise Business and Rapyd offer?

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

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

Sub-accounts for your users: Wise Business partly, Rapyd yes. Split payments and platform fees: Wise Business no, Rapyd yes. Embeddable UI: Wise Business not confirmed, Rapyd partly. Accounts that hold money: Wise Business partly, Rapyd yes. Cards for your users: Wise Business not confirmed, Rapyd yes. Financing for your users: Wise Business no, Rapyd not confirmed. Consumer wallets or accounts: Wise Business partly, Rapyd yes. Consumer cards: Wise Business not confirmed, Rapyd yes. Accept stablecoins: Wise Business no, Rapyd yes. Hold stablecoin balances: Wise Business no, Rapyd yes. Pay out in stablecoins: Wise Business no, Rapyd yes. Checkout for AI agents: Wise Business no, Rapyd 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 Rapyd designed for?

Businesses domiciled in a Rapyd-listed country that want card acquiring, local payment methods, payouts and a multi-currency wallet from one API. Limitations: Rapyd's own merchant-location lists disagree for about a dozen countries, and card pricing outside a few Latin American markets is quoted rather than published.