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Payment & Billing

Square vs Wise Business: Pricing Comparison 2026

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

Bottom line: Wise Business starts at $0.33/mo, making it $35/mo cheaper than Square ($35/mo). Square offers a free plan.

Last updated: July 6, 2026

Data compiled by Arthur Jacquemin
Updated July 6, 2026
Try Square freeTry Wise Business freeUpdated this monthPrice updated 12d ago
Best Value

Wise Business - Wise Business offers a free plan, starts at $34.67/mo lower ($0.33/mo vs $35/mo), offers 5 tiers vs 2.

Square vs Wise Business: Quick Pricing Facts

FeatureSquareWise Business
Starting Price$35/mo$0.33/mo
Number of Plans25
Free TierYesYes
Pricing Modelusage-basedusage-based
Annual DiscountN/AN/A

Wise Business is the more affordable option, starting at $0.33/mo compared to Square's $35/mo. Both are Payment & Billing tools with 7 combined pricing plans and 25 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
Square
Square
Try free
Wise Business
Wise Business
Try free
Tier 1
Free
$0/monthCheapest
Includes
  • End-to-end encrypted payments
  • Active fraud prevention
  • Next day transfers
  • Offline payments
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
Square Payroll
$35/month
$5 / year
Includes
  • Full-service payroll
  • Starting at $35 per month
  • $6 per person paid
Start with Square Payroll
Sending money
$0/monthCheapest
Includes
  • Sending money Fee varies by currency From 0.33%
Start with Sending money
Tier 3
-
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
-
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
-
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

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Square

Payment processing for in-person and online transactions

View all Square plans

Wise Business

International money transfers and multi-currency accounts

View all Wise Business plans

Frequently Asked Questions: Square vs Wise Business

Which is cheaper, Square or Wise Business?
As of July 2026, Wise Business starts at a lower price point. Square starts at $35/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 Square have vs Wise Business?
Square offers 2 pricing plans, while Wise Business offers 5 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Square or Wise Business offer a free plan?
Yes, both Square 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 Square or Wise Business?
Both Square and Wise Business offer annual billing options. Check each plan's yearly pricing for potential savings compared to monthly billing.
How do Square and Wise Business compare for Payment & Billing?
Both Square and Wise Business are Payment & Billing tools. Square offers 2 plans starting at $35/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. Square Official Pricing- Vendor pricing page
  2. Wise Business Official Pricing- Vendor pricing page

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