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Payment & Billing

Braintree vs Wise Business: Pricing Comparison 2026

Side-by-side pricing comparison of Braintree and Wise Business. See all plans, features, and costs at a glance.

Bottom line: Wise Business starts at $0.33/mo, making it $10/mo cheaper than Braintree ($10/mo). Braintree offers a free plan.

Last updated: July 6, 2026

Data compiled by Arthur Jacquemin
Updated July 6, 2026
Try Braintree freeTry Wise Business freeUpdated this monthPrice updated 11d ago

Braintree vs Wise Business: Quick Pricing Facts

FeatureBraintreeWise Business
Starting Price$10/mo$0.33/mo
Number of Plans55
Free TierYesYes
Pricing Modelusage-basedusage-based
Annual DiscountN/AN/A

Wise Business is the more affordable option, starting at $0.33/mo compared to Braintree's $10/mo. Both are Payment & Billing tools with 10 combined pricing plans and 32 features compared.

Both tools offer free plans, making them accessible for teams on a budget.

Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Payment & Billing needs.

Pricing Plans
Braintree
Braintree
Try free
Wise Business
Wise Business
Try free
Tier 1
Free
$0/monthCheapest
Includes
  • Basic features
  • Limited transactions
Start with Free
Register for a Wise account
$0/monthCheapest
Includes
  • Register for a Wise account Free
Start with Register for a Wise account
Tier 2
Starter
$10/month
$120 / year
Includes
  • All Free features
  • Up to 100 transactions
  • Basic support
Start with Starter
Sending money
$0/monthCheapest
Includes
  • Sending money Fee varies by currency From 0.33%
Start with Sending money
Tier 3
Pro
$30/month
$360 / year
Includes
  • All Starter features
  • Up to 500 transactions
  • Priority support
Start with Pro
Withdrawing 250 GBP per month per account
$0/monthCheapest
Includes
  • Withdrawing 250 GBP per month per account Free
  • ATM fees over 250 GBP per month per account 2.69% of amount over 250 GBP
  • Some ATM providers may charge additional fees.
  • Topping up external e-wallets Applies to transactions that include topping up e-wallets and other accounts in certain currencies, see FAQ. 2%
  • Getting the Wise debit card No subscription fees 7 GBP
  • Converting money Fee varies by currency From 0.33%
  • Pay with the Wise card Spend funds in your account in the same currency online, in-store and abroad safely Free
Start with Withdrawing 250 GBP per month per account
Tier 4
BusinessPopular
$100/month
$1200 / year
Includes
  • All Pro features
  • Unlimited transactions
  • Dedicated account manager
Start with Business
Holding money in your account
$0/monthCheapest
Includes
  • Holding money in your account Free
  • Using Wise Interest Keep your money in an interest-earning fund Capital at risk. Growth not guaranteed Learn more From 0.26% annual fee
  • Using Stocks Have a stake in the world’s largest companies Capital at risk. Growth not guaranteed Learn more From 0.59% annual fee
Start with Holding money in your account
Tier 5
Enterprise
Custom pricing
Includes
  • Custom solutions
  • High volume transactions
  • 24/7 support
Start with Enterprise
Getting account details to receive in 22 currencies
$0/monthCheapest
Includes
  • Getting account details to receive in 22 currencies Learn more Free
  • Receiving domestic payments (non-Swift / non-wire) Receive AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD Free
  • Receiving USD wire and Swift payments Fixed fee per payment 6.11 USD
  • Receiving GBP Swift payments Fixed fee per payment 2.16 GBP
  • Receiving EUR Swift payments Fixed fee per payment 2.39 EUR
  • Receiving Swift payments in an additional 19 currencies You can see how much they cost here
Start with Getting account details to receive in 22 currencies

← Swipe to compare plans →

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Try Braintree freeFree plan availableTry Wise Business freeFree plan available
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Answer 2 quick questions and we'll help you choose the right plan

Braintree

Full-stack payment platform by PayPal

View all Braintree plans

Wise Business

International money transfers and multi-currency accounts

View all Wise Business plans

Which Should You Choose?

Choose Braintree if:

  • •You need to accept customer payments via card or PayPal at checkout
  • •You want a payment gateway with PCI compliance and fraud management
  • •Your primary need is collecting money from customers

Choose Wise Business if:

  • •You need to send money to international suppliers, contractors, or employees
  • •You want multi-currency accounts with near-interbank FX rates
  • •Your primary need is cross-border B2B payments, not customer-facing checkout

Wise Business is for sending money internationally; Braintree is for accepting money from customers. They serve different sides of business finance. Wise charges a small percentage of the transfer amount at near-mid-market FX rates. Braintree charges 2.59% + $0.49 per customer transaction. Most international businesses need both: Braintree at the checkout, Wise for paying international vendors.

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Frequently Asked Questions: Braintree vs Wise Business

Which is cheaper, Braintree or Wise Business?
As of July 2026, Wise Business starts at a lower price point. Braintree starts at $10/mo while Wise Business starts at $0.33/mo. However, the best value depends on the features you need at each tier.
How many pricing plans does Braintree have vs Wise Business?
Braintree offers 5 pricing plans, while Wise Business offers 5 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Braintree or Wise Business offer a free plan?
Yes, both Braintree and Wise Business offer free plans. Compare the feature limits of each free tier to see which better fits your use case before upgrading.
Can I save money by paying annually for Braintree or Wise Business?
Both Braintree and Wise Business offer annual billing options. Check each plan's yearly pricing for potential savings compared to monthly billing.
What is the most popular Braintree plan?
The Business plan is Braintree's most popular tier, priced at $100/mo. Key features include All Pro features, Unlimited transactions, Dedicated account manager.
Does Braintree or Wise Business offer custom enterprise pricing?
Braintree offers a custom-priced enterprise tier for larger teams. Wise Business lists all its pricing publicly.
How do Braintree and Wise Business compare for Payment & Billing?
Both Braintree and Wise Business are Payment & Billing tools. Braintree offers 5 plans starting at $10/mo, while Wise Business offers 5 plans starting at $0.33/mo. Review the feature breakdowns above to see which better fits your Payment & Billing needs.
AI Recommendations

Sources

  1. Braintree Official Pricing- Vendor pricing page
  2. Wise Business Official Pricing- Vendor pricing page

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