PayU Global Payments vs Wise
PayU Global Payments
corporate.payu.com
Wise
wise.comSide by side
| Figure | PayU Global Payments | 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 | 7.3 (#19) | 8.1 (#6) |
| Headquarters | Amsterdam, Netherlands | London, United Kingdom |
| Integrations | For Apple Pay, merchants can integrate through PayU’s Payment Page or their own checkout page. | Wise says it has partnered with companies including Monzo, Bolt, and GoCardless to provide their customers international banking services. |
| Payment methods | The platform connects merchants to hundreds of local and global online payment methods through one global API. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Purpose | PayU provides online payment processing and payment orchestration for merchants selling across global markets. | The Wise app lets people send money, receive payments from abroad, check exchange rates, pay bills, and send money to loved ones. |
| Support | Prospective customers can contact PayU through a form to hear from a team member, and the page lists an Amsterdam address. | 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
PayU Global Payments
PayU Global Payments provides online payment processing and orchestration for merchants selling across markets. Its platform combines a payment gateway and processing, with acquiring bank services available in some markets. Merchants can connect to hundreds of local and global methods, including cards, digital wallets, online bank transfers, QR payments, deferred payments, local schemes and other alternatives. It supports local settlement, multi-currency handling and more than 20 transaction and payout currencies. The Smart Routing Engine uses criteria set by the merchant to route transactions, with the aim of optimizing approvals and fees. Instant Retry can send a declined transaction through another provider to help recover false declines. A shared dashboard shows approval rates and other metrics, compares methods and providers, and supports account management, reports, analysis and audits. Tokenization encrypts payment data and can reduce a merchant’s PCI scope. PayU describes itself as a PCI Level 1-certified processor and says it supports 3D Secure 2.0. Merchants can set up global payments through one API. Pricing is available by contacting PayU.
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.