Mangopay vs Wise
Mangopay
mangopay.com
Wise
wise.comSide by side
| Figure | Mangopay | Wise |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Plans published | 1 | 1 |
| Spec score · Cross-Border Payment Platforms | 7.2 (#20) | 8.1 (#6) |
| Spec score · Payout Software | 7.3 (#21) | 8.0 (#8) |
| Company history | Mangopay’s About page states that it was founded in 2013. | Wise says it launched in 2011 with a vision of making international money transfers cheap, fair, and simple. |
| Founded | 2013 | 2011 |
| Payment methods | Mangopay documents support for cards, bank transfers, digital wallets, and other payment methods, subject to activation and contract requirements. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Regulation | Mangopay S.A. is approved as an electronic money institution by Luxembourg’s CSSF. | Wise states it is authorised by the UK Financial Conduct Authority for issuing electronic money and works with a local bank partner to offer inward remittance service to India with RBI approval. |
| Security | Mangopay states that it holds PCI DSS Level 1 certification and recommends TLS 1.2 or higher for API calls. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | The pricing page includes enterprise support and integration support in its listed offering; platform customers can seek assistance through the Dashboard. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
Plans
In their own words
Wise
Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It sends to bank accounts in over 140 countries; delivery on many popular routes is within a day, the same day, or instant. Wise says it uses the mid-market exchange rate and displays fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat previous transfers, and receive live exchange-rate notifications. Wise says it safeguards customer money separately from its own and uses two-factor authentication to protect accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web.