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Payment & Billing

Stripe vs Wise Business: Pricing Comparison 2026

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

Bottom line: Wise Business starts at $0.33/mo, making it $13/mo cheaper than Stripe ($13/mo). Stripe offers a free plan.

Last updated: July 6, 2026

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

Stripe - Stripe offers a free plan, offers 9 tiers vs 5.

Stripe vs Wise Business: Quick Pricing Facts

FeatureStripeWise Business
Starting Price$13/mo$0.33/mo
Number of Plans95
Free TierYesYes
Pricing Modelusage-basedusage-based
Annual DiscountN/AN/A

Wise Business is the more affordable option, starting at $0.33/mo compared to Stripe's $13/mo. Both are Payment & Billing tools with 14 combined pricing plans and 44 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
Stripe
Stripe
Try free
Wise Business
Wise Business
Try free
Tier 1
Free
$0/monthCheapest
Includes
  • No installation fees
  • No monthly fees
  • No hidden fees
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
Standard Pricing
Custom pricing
Includes
  • 1.5% + €0.25 for EEA cards
  • 2.5% + €0.25 for UK cards
Start with Standard Pricing
Sending money
$0/monthCheapest
Includes
  • Sending money Fee varies by currency From 0.33%
Start with Sending money
Tier 3
Managed Payments
Custom pricing
Includes
  • 3.5% per successful transaction
  • Includes tax compliance
  • Fraud prevention
Start with Managed Payments
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
Billing
$500/month
$42 / year
Includes
  • Flexible pricing models
  • Smart retries
  • No-code tools
Start with Billing
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
Tax Complete
$80/month
$7 / year
Includes
  • Complete tax compliance
  • Threshold monitoring
  • Automated calculations
Start with Tax Complete
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
Tier 6
Stripe Sigma
$13/monthCheapest
$1 / year
Includes
  • Interactive SQL environment
  • Custom reports
  • Data synchronization
Start with Stripe Sigma
-
Tier 7
Data Pipeline
$57/monthCheapest
$5 / year
Includes
  • Automated data delivery
  • No-code setup
  • Access to Stripe Sigma
Start with Data Pipeline
-
Tier 8
Revenue Recognition
$20/monthCheapest
$2 / year
Includes
  • Automated financial reporting
  • Real-time audits
  • Compliance with ASC 606
Start with Revenue Recognition
-
Tier 9
Custom Pricing
Custom pricing
Includes
  • Tailored solutions
  • Volume discounts
  • Global pricing structures
Start with Custom Pricing
-

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Stripe

Payment processing and financial infrastructure for the internet

View all Stripe plans

Wise Business

International money transfers and multi-currency accounts

View all Wise Business plans

Frequently Asked Questions: Stripe vs Wise Business

Which is cheaper, Stripe or Wise Business?
As of July 2026, Wise Business starts at a lower price point. Stripe starts at $13/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 Stripe have vs Wise Business?
Stripe offers 9 pricing plans, while Wise Business offers 5 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Stripe or Wise Business offer a free plan?
Yes, both Stripe 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 Stripe or Wise Business?
Both Stripe and Wise Business offer annual billing options. Check each plan's yearly pricing for potential savings compared to monthly billing.
Does Stripe or Wise Business offer custom enterprise pricing?
Stripe offers a custom-priced enterprise tier for larger teams. Wise Business lists all its pricing publicly.
How do Stripe and Wise Business compare for Payment & Billing?
Both Stripe and Wise Business are Payment & Billing tools. Stripe offers 9 plans starting at $13/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. Stripe Official Pricing- Vendor pricing page
  2. Wise Business Official Pricing- Vendor pricing page

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