8 Best Wise Alternatives for 2026

Growing companies using Wise eventually hit a wall with their international payment setup. Sometimes a missing integration with accounting software forces manual reconciliation work, other times the platform that worked perfectly at 50 employees can't handle the complexity at 200.

This guide covers when finance teams outgrow Wise, which alternatives solve specific gaps, and how to choose based on your accounting system and treasury needs.

Why explore alternatives to Wise

Wise Business is a multi-currency payment platform that allows international payments through transparent mid-market exchange rates with conversion fees starting from 0.33%. The platform connects directly with QuickBooks and Xero for automatic transaction syncing and handles standard OFAC screening, but treasury functionality remains basic compared to specialized platforms.

We've seen most finance teams outgrow Wise once NetSuite integration requires custom API development, forward contracts become necessary to manage FX risk on contracted work, or high transaction volumes make the platform's limits a constraint.

We've evaluated eight payment platforms that address these specific gaps, each excelling in different areas based on accounting system requirements, transaction patterns, and treasury needs.

1. Ramp: Unified cards, AP, and global payments

Ramp combines corporate cards, accounts payable automation, and international payments into a single platform. The system handles payments to 190+ countries in over 40 currencies with automatic accounting sync, positioning itself as the only platform that unifies spend management with global payment capabilities. Ramp's NetSuite ERP integration syncs all transactions, reimbursements, payments, and purchase orders in real time via API, with native support for QuickBooks Online, Xero, and Sage Intacct as well.

Real-time spend controls on corporate cards, automated receipt matching for expenses, and AP automation that processes bills in under 90 seconds all run through a single platform. International payment capabilities include payments to vendors in USD or local currencies with settlement in multiple currencies and automatic foreign exchange at competitive rates. This combination makes Ramp particularly valuable when you need to manage both employee spending and vendor payments while maintaining tight accounting integration.

Why businesses choose Ramp over Wise

• Single platform for cards and payments: Ramp handles corporate card issuance, employee expenses, vendor payments, and international transfers without requiring separate tools for each function. Most companies maintain distinct systems for team spending and international vendor payments, which creates reconciliation headaches and duplicate data entry across multiple platforms.
• Native NetSuite integration with multi-entity support: Ramp's Built for NetSuite partnership provides real-time sync of all transactions, automatic 3-way matching of purchase orders, receipts, and invoices, and support for global NetSuite entities in one multi-entity environment. Most competing platforms either lack native NetSuite support or require middleware that breaks the real-time sync.

When not to use Ramp

Ramp focuses on U.S.-based companies with international operations. If your company is headquartered outside the United States, you'll need a platform with broader geographic availability. Ramp's international payments carry a flat $20 fee for SWIFT USD transfers, which adds up for high-volume, low-value payments. The platform also doesn't support forward contracts, so companies with significant foreign currency exposure needing to lock in rates months in advance will need to combine Ramp with a separate treasury platform.

Pricing

The core platform is free, including cards and expense management. International SWIFT wires run $20 each, while card transactions outside the U.S. carry a 3% foreign exchange markup.

2. Airwallex: High-volume payments with deep ERP integration

Airwallex provides multi-currency accounts with dedicated local bank account details in major markets and batch payment processing for large volumes. The platform's batch payment processing handles large volumes of recipients in a single transaction with automatic batching when multiple bills share the same vendor, currency, and payment details.

API infrastructure connects directly to NetSuite for automatic transaction matching and real-time synchronization, while bank feeds keep QuickBooks and Xero updated.

Why businesses choose Airwallex over Wise

• Deep NetSuite support: Native connectivity with QuickBooks, Xero, and NetSuite eliminates manual reconciliation work for finance teams managing complex ERP implementations.
• Zero-fee local transfers: Free local rail transfers to many countries generate meaningful savings for frequent international transfers, particularly when combined with low FX markups and automatic batching capabilities.

When not to use Airwallex

Airwallex's pricing structure works best for companies processing significant transaction volumes. If you're making only a handful of international payments monthly, the platform's enterprise focus might be overkill. The setup process also requires more technical configuration than consumer-focused alternatives, particularly for NetSuite integration.

Pricing

The Explore plan is free if you maintain a £10,000 balance, otherwise you'll pay £19 monthly. FX rates start at 0.5% above interbank for major currencies, with SWIFT transfers costing £10-20 each depending on the destination.

3. Revolut Business: When cards and transfers need to live in one place

Revolut Business combines multi-currency accounts with team expense management and integrated corporate cards. The platform offers interbank rates with monthly fee-free exchange caps that vary by plan, plus advanced card issuing with granular spending controls and real-time visibility.

Revolut offers NetSuite integration with automatic transaction syncing, Xero bank feed integration, and QuickBooks integration limited to expenses only.

Why businesses choose Revolut over Wise

• Fee-free exchange allowances: Higher-tier Revolut Business plans provide substantial monthly allowances for fee-free exchanges at interbank rates, creating significant value for companies processing regular international payments within the monthly caps.
• Integrated corporate cards: The corporate card program consolidates both vendor payments and employee expenses on a single platform, reducing tool sprawl for growing teams.

When not to use Revolut

Revolut's QuickBooks integration only syncs expenses, not full accounting data. The monthly fee-free exchange caps mean high-volume operations will hit limits quickly and start incurring FX markups. Revolut Business has faced higher complaint volumes compared to some other e-money providers according to UK regulatory data.

Pricing

The Basic plan costs $10 monthly and comes with limited free transfers. Once you exceed your monthly allowance, you'll pay 0.6% on FX conversions and £5 per international transfer.

4. WorldFirst: Built for marketplace sellers and B2B suppliers

WorldFirst specializes in B2B transactions with particular strength in marketplace payment collection and overseas supplier payments. The platform offers competitive FX rates with free local currency receiving and no setup fees, plus direct connections to many marketplaces for seamless payment collection. Forward contracts let you lock exchange rates up to 24 months out, protecting margins on contracted work from FX volatility.

Why businesses choose WorldFirst over Wise

• Competitive FX rates: WorldFirst's competitive foreign exchange rates provide cost certainty compared to traditional banks' percentage-based markups, helping companies calculate more predictable currency conversion costs.
• Forward contracts: Forward contracts allow companies to lock future exchange rates, addressing FX volatility risk for businesses with predictable foreign currency obligations and eliminating the margin impact of unexpected exchange rate fluctuations.

When not to use WorldFirst

WorldFirst's strength lies in B2B transactions and marketplace collections. If your primary use case is paying remote employees or contractors, platforms like Payoneer may be a better option. The platform lacks corporate card and expense management features. Forward contracts require deposits and lock you into rates that might become less favorable if markets move in your direction.

Pricing

There are no monthly fees or account minimums. FX margins typically run between 0.5-0.75% depending on your transfer volume, and you can lock in rates through forward contracts if you need pricing certainty.

5. OFX Business: Zero transfer fees for high-volume operations

OFX Business offers no OFX transfer fees on many standard business transfers above minimum thresholds, supports numerous currencies and batch payment processing to thousands of vendors. Forward contracts are available for FX risk management, allowing businesses to lock in exchange rates for up to 12 months.

The platform combines zero transfer fees with competitive FX rates, reducing per-transaction costs. Batch payment infrastructure processes thousands of vendors across numerous currencies with bulk-approve functionality.

Why businesses choose OFX over Wise

• Zero transfer fees: The zero transfer fee structure appeals to companies making frequent international payments where per-transaction fees add up quickly. Combined with competitive FX markups, total costs can be lower than platforms charging both transaction fees and FX spreads.
• Treasury-grade FX hedging: Forward contracts allow companies with significant foreign currency exposure to lock in exchange rates months in advance, protecting margins on contracted work with fixed pricing.

When not to use OFX

OFX's minimum transfer amounts make it impractical for small, frequent payments. The platform also takes several business days for most transfers, which doesn't work for companies needing same-day or next-day settlement. NetSuite integration isn't confirmed in official documentation.

Pricing

You won't pay monthly fees, though FX margins run between 0.4-0.7% on transfers. Transactions under $10,000 carry a $15 fee, but transfers above that threshold move free of charge.

6. Payoneer: For distributed contractor networks

Payoneer serves freelancers and international businesses with strong marketplace connectivity. Its Mass Payout API automates contractor and vendor payments to hundreds of recipients efficiently, and free Payoneer-to-Payoneer transfers benefit contractor networks using the platform.

Direct integration with QuickBooks and Xero supports one-click synchronization for simplified accounting workflows.

Why businesses choose Payoneer over Wise

• Marketplace network: The marketplace integrations provide value for companies collecting payments through multiple e-commerce or freelance platforms, consolidating collections and simplifying operations for companies managing multiple revenue sources.
• Contractor payment automation: Payment platforms automate what would otherwise require manual payment initiation, becoming particularly valuable when managing dozens or hundreds of contractor relationships across different countries.

When not to use Payoneer

Payoneer charges annual inactivity fees after extended periods without transactions. The platform lacks NetSuite integration entirely, making it a poor fit for companies using NetSuite as their ERP. If you need forward contracts or FX hedging tools, Payoneer doesn't offer those treasury capabilities.

Pricing

The account is free to open and maintain as long as you use it. Your first business card costs $29.95 annually, FX conversions run 2-3%, and the platform charges a $29.95 maintenance fee after 12 months of inactivity.

7. Currencycloud: B2B payment infrastructure for custom integrations

Currencycloud operates as B2B payment infrastructure for enterprises building custom payment processes through white-label capabilities.

The platform provides virtual accounts in numerous currencies and enterprise-grade infrastructure designed for payment service providers, banks, and fintechs.

Why businesses choose Currencycloud over Wise

• White-label infrastructure: For companies building custom payment processes or requiring deep integration with proprietary systems, API-first platforms allow architecting workflows matching specific operational requirements, which matters for organizations with unique process needs.

When not to use Currencycloud

Currencycloud's B2B focus and custom pricing model make it overkill for most companies in the 50-500 employee range. The platform is designed for organizations processing thousands of payments monthly or building white-label payment products, not standard international vendor payments. Unless you're building payment capabilities into your own product, more straightforward platforms will serve you better.

Pricing

Pricing is custom and enterprise-focused only. This platform is built for banks and fintechs to white-label rather than for direct business accounts, so you'll need to contact sales for a volume-based quote.

8. Corpay: Enterprise AP automation with payments

Corpay combines enterprise-focused cross-border payments with AP automation, targeting mid-market to enterprise organizations. The platform delivers cloud-based AP automation with end-to-end invoice processing, approval routing, and payment execution.

Corpay offers integrations with Xero and NetSuite for synchronizing financial data across systems.

Why businesses choose Corpay over Wise

• AP automation integration: Companies managing high-volume invoice processing benefit from supplier payment automation and better visibility through integration workflows that synchronize invoices, approvals, and payments across systems, reducing manual work at scale.
• Multi-currency batch capabilities: Batch payment capabilities process large volumes of invoices in multiple currencies in a single transaction, becoming essential when managing hundreds or thousands of vendor relationships across different countries.

When not to use Corpay

Corpay's enterprise focus means it's built for companies processing thousands of payments monthly, not dozens. The platform doesn't publish transaction fees or standard pricing, requiring custom quotes and a sales process that takes time and resources.

Pricing

There are no monthly or annual service fees. Pricing is entirely custom based on your transfer volume and currency pairs, with FX rates negotiated directly with your account team. The Corpay One platform charges a standard 1.5% spread on foreign exchange payments.

How to choose the best Wise alternative

Your accounting system drives most of this decision. Ramp offers full QuickBooks integration while Revolut limits you to expenses only. Xero users can get bank feed integration from Ramp, Airwallex, and Revolut Business. NetSuite users have the most options, with connectivity confirmed across Ramp, Airwallex, Revolut Business, WorldFirst, Currencycloud, and Corpay.

Total cost requires looking beyond the rate sheet. We've found the most accurate approach is pulling your last quarter's international payment data and calculating what you actually spent across wire fees, FX markups, settlement delays, and failed payment recovery. For high-volume major currency corridors, platforms with transparent pricing generate savings that compound quickly.

Treasury functionality matters once FX exposure starts affecting margins. Forward contracts from WorldFirst or OFX let you lock future rates and protect profitability on contracted work. For distributed contractor payments across dozens of countries, Payoneer's Mass Payout API automates what would otherwise require individual manual transfers. If you need broader spend management beyond just payments, platforms like Ramp integrate corporate cards, expense policies, and AP automation rather than forcing you to manage multiple disconnected tools.

Infrastructure requirements determine fit at the extremes. Currencycloud and Corpay target enterprise operations with custom integration needs and payment volumes in the thousands monthly. For most companies in the 50-500 employee range, these platforms represent over-engineering unless you're building payment capabilities into proprietary systems or managing supplier networks that require batch processing at significant scale.

Frequently asked questions

How do I know when it's time to move beyond Wise?

You've likely outgrown Wise when your accounting team spends hours each week on manual reconciliation because your ERP doesn't integrate natively. Other signals include needing forward contracts to manage FX risk or processing hundreds of payments monthly where per-transaction costs start adding up significantly.

What's the real cost difference between these platforms?

Total cost depends on your transaction patterns and currency corridors. The bigger savings often come from operational efficiency (reducing manual reconciliation work or avoiding FX losses through hedging) rather than chasing slightly better exchange rates.

Can I use multiple platforms together?

Most companies processing significant volumes use 2-3 platforms for different use cases. You might use Ramp for corporate cards and domestic AP, WorldFirst for supplier payments with FX hedging, and Payoneer for contractor payouts. The key is making sure each platform integrates with your accounting system.

What happens to my data if I switch platforms?

Payment platforms don't typically migrate historical transaction data when you switch. You'll maintain access to historical data in your old platform for compliance purposes, but you'll start fresh in the new system. The bigger challenge is ensuring your accounting integration captures the transition cleanly.