With a Wise Business account in the EEA, the UK, Australia, or Singapore, you can request a payment from anyone and send them a link to pay you for your goods or services by credit or debit card. In the US, this feature is available in a limited beta. This feature isn't available yet in any other regions.
How to apply for this feature
Any business with a registered address in the EEA, UK, US, Australia, or Singapore, can apply to receive card payments. When you apply, you’ll need to:
provide the address of your business website
tell us what your business does
agree to how we charge card fees
In some cases, we may not be able to provide this feature for your business, even in eligible countries. We're continuously working on expanding our product to all customers and hope that this feature can be made available to you in the future.
How to get paid by card
Once you have this feature, from the app or web:
Request a payment, create an invoice in Wise, or share your Quick Pay link with your customer
Select Card as a payment method
Share the link with your customer
We’ll tell you when your customer has paid, and we’ll email them proof of their payment
We’ll notify you again when your money arrives
Learn more about requesting payments
What card types and currencies work
We currently support credit and debit Visa and Mastercard payments in AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, NZD, PLN, RON, SEK, SGD and USD.
What it costs you
The fee we charge depends on the card your customer pays with.
If your business is based in the UK or the EEA:
| Credit or debit card | Fee |
|---|---|
| Domestic consumer card (issued where your business is registered) | 1% |
| International consumer card (issued outside of the country where your business is registered) | 2.9% |
| All business cards | 2.9% |
If your business is based in the US:
| Credit or debit card | Fee |
|---|---|
| Domestic consumer card (issued where your business is registered) | 2.9% + $0.3 USD |
| International consumer card (issued outside of the country where your business is registered) | 4.2% + $0.3 USD |
| All business cards | 4.2% + $0.3 USD |
If your business is based in Singapore
| Credit or debit card | Fee |
|---|---|
| Domestic consumer card (issued where your business is registered) | 3.2% + 0.5 SGD |
| International consumer card (issued outside of the country where your business is registered) | 3.6% + 0.5 SGD |
| All business cards | 3.6% + 0.5 SGD |
If your business is based in Australia
| Credit or debit card | Fee |
|---|---|
| Domestic consumer card (issued where your business is registered) | 1.6% + 0.3 AUD |
| International consumer card (issued outside of the country where your business is registered) | 3.5% + 0.3 AUD |
| All business cards | 3.5% + 0.3 AUD |
Our fees already cover Visa and Mastercard card scheme and interchange fees, so you won’t be charged anything extra.
Once your payment arrives, you can check the fee we charged in your Activity.
What it costs your customer
We don't charge your customer anything, but their bank or card issuer might charge them a fee if:
they're paying you in a foreign currency
they’re paying with a credit card
their bank treats the payment to Wise as a cash advance
If your customer isn’t sure what they’ll be charged, ask them to check with their card issuer.
Limits for card payments
You can request up to 10,000 GBP, or the equivalent in another currency, per payment. There's a limit on the total number of requests in a 24-hour period. These limits help Wise lower risks for this service.
How long it takes to receive the payment
It can take up to 14 days to pay out your money after you receive a payment from your customer, depending on the type of business you are running.
For some currencies, payouts sometimes can take longer. But you can always see the estimated payout time in the Transactions details section by selecting the transaction in your activity feed.
In cases where we decide to close your account, we may retain your funds for a period of up to two months. This retention period allows us to address any incoming chargeback requests for which you remain liable.
This section corresponds to Schedule 1 settlement timeframes in the EEA Agreement for Acquiring Payment Services.
How to issue refunds
You can now issue refunds to anyone who paid you by card through the Request payment option. The refund will go back to the original paying card.
You can go to your Transactions on the home screen, or:
Go to the Payments tab
Select either Payment links or Invoices
Select the Request, and then the specific payment
Select Refund payment
Choose how much you want to refund — it can be any amount up to the full amount paid. You can choose to issue a few partial refunds, but the total shouldn't be more than the full amount
If you refund your customer, you won't get a refund on the fees you paid for using our service when charging the payer.
Refunds to the card can take 2-10 working days to arrive.