Wise Business Pricing Plans & Tiers

Wise Business operates on the pricing inverse of traditional B2B payment providers. By charging no transaction fees ('send', 'receive', 'get a business card' are all free), Wise monetizes through the float—holding customer money in transit for hours or days, earning interest income on deposits without paying interest to customers. This model only works if Wise controls sufficient customer asset velocity to justify the infrastructure.

The three tiers (Free, Business, Platform) suggest Wise is attempting to serve different customer profiles: Free for bootstrapped sole proprietorships, Business for established SMBs, and Platform for fintech companies wanting to embed Wise's payments into their own product. However, published pricing reveals no cost differences between tiers—suggesting the primary differences are support level and compliance tier (KYC requirements).

Wise's real competitive advantage is not pricing but regulatory licensing. Wise holds money transmitter licenses across 80+ jurisdictions, eliminating the compliance tax that competitors like Stripe incur. This translates to zero transaction fees because Wise's regulatory moat compensates for razor-thin float income.