Payset vs Wise Business: what each publishes
As of October 17, 2026, Payset takes these industries by its own published rules: Crypto; AI and SaaS; Marketplace; iGaming, with conditions; Forex and CFD, with conditions. Wise Business: Marketplace, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Payset
- Argentina
- Australia
- Austria
- Belgium
- Belize
- British Virgin Islands
- Bulgaria
- Canada
- Cayman Islands
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Gibraltar
- Greece
- Greenland
- Hong Kong
- Hungary
- Iceland
- Ireland
- Israel
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Marshall Islands
- Monaco
- Netherlands
- North Macedonia
- Norway
- Poland
- Portugal
- Romania
- Seychelles
- Singapore
- Slovakia
- Slovenia
- South Africa
- Spain
- Sweden
- Switzerland
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
Its own list of countries, quoted below with its source and date
Wise Business
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United States
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | Payset | Wise Business |
|---|---|---|
| Crypto | Yes | Depends on the activity |
| AI and SaaS | Yes | No published rule |
| Marketplace | Yes | With conditions |
| iGaming | With conditions | No |
| Forex and CFD | With conditions | No |
| Adult | No | No |
| Unlicensed financial services | No published rule | No |
Where owners must live
Payset
No published rule
Wise Business
No published rule
Rules about countries
Payset
These countries are prohibited for both nationality and residency unless a rare exception is granted for nationality only (and only if the individual resides in an accepted country): Afghanistan Belarus Burkina Faso Cuba Iran Iraq Libya Myanmar North Korea Russia Somalia South Sudan Sudan Syria Venezuela Yemen Individuals residing in these countries will not be accepted under any circumstances.
Afghanistan, Belarus, Burkina Faso, Cuba, Iran, Iraq, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
We currently accept companies incorporated in the following countries:
All countries named (50)
Argentina, Australia, Austria, Belgium, Belize, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Greenland, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Monaco, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Seychelles, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Ukraine, United Arab Emirates, United Kingdom, United States
To comply with our internal policies and regulatory obligations, we only accept UBOs (Ultimate Beneficial Owners), Directors, and Authorized Persons who are nationals or residents of the countries listed below.
All countries named (121)
Albania, Algeria, Andorra, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Barbados, Belgium, Belize, Benin, Bermuda, Bolivia, Bosnia & Herzegovina, Brazil, Brunei, Bulgaria, Canada, Chile, China, Colombia, Comoros, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Dominican Republic, Ecuador, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Guernsey, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lebanon, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritius, Mexico, Moldova, Monaco, Montenegro, Morocco, Nepal, Netherlands, New Zealand, Nicaragua, Nigeria, North Macedonia, Norway, Oman, Pakistan, Panama, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, San Marino, Saudi Arabia, Serbia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, St Vincent & the Grenadines, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Tunisia, Türkiye, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vietnam
Wise Business
Countries and regions we don't support
There are some places where we don’t offer our services:
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Eritrea, Iran, Iraq, North Korea, Libya, Myanmar, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Yemen, Venezuela, and the Ukraine regions: Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia.
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo-Brazzaville, Cuba, DR Congo, Eritrea, Iran, Iraq, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
Countries and regions we don't support
There are some places where we don’t offer our services:
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Eritrea, Iran, Iraq, North Korea, Libya, Myanmar, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Yemen, Venezuela, and the Ukraine regions: Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia.
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo-Brazzaville, Cuba, DR Congo, Eritrea, Iran, Iraq, Libya, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen
Due to licensing limitations, we’re unable to onboard businesses from Nevada, and US territories (American Samoa, Guam, Mariana Islands, Virgin Islands).
American Samoa, Guam, Northern Mariana Islands, U.S. Virgin Islands
Fees
Payset
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business account | Free to open | Free, or a risk-based monthly fee shown in the account | · Source |
Wise Business
All 22 fee lines, by plan and country
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Wise Business (UK) | GBP 50 one-off set-up fee ('All in for 50 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (US) | USD 31 one-off set-up fee ('All in for 31 USD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Switzerland and Liechtenstein) | CHF 55 one-off set-up fee ('All in for 55 CHF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (EEA) | EUR 60 one-off set-up fee ('All in for 60 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Belgium) | EUR 100 one-off set-up fee ('All in for 100 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Czechia) | CZK 1,350 one-off set-up fee ('All in for 1,350 CZK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Denmark) | DKK 450 one-off set-up fee ('All in for 450 DKK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Estonia) | EUR 50 one-off set-up fee ('All in for 50 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Germany) | EUR 55 one-off set-up fee ('All in for 55 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hungary) | HUF 21,500 one-off set-up fee ('All in for 21,500 HUF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Iceland) | GBP 45 one-off set-up fee ('All in for 45 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Norway) | NOK 700 one-off set-up fee ('All in for 700 NOK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Poland) | PLN 255 one-off set-up fee ('All in for 255 PLN', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Romania) | RON 300 one-off set-up fee ('All in for 300 RON', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Sweden) | SEK 670 one-off set-up fee ('All in for 670 SEK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business Advanced (Australia) | AUD 65 one-off set-up fee ('65 AUD setup cost') | No monthly fee listed | · Source |
| Wise Business (Canada) | CAD 55 one-off set-up fee ('All in for 55 CAD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Singapore) | SGD 99 one-off set-up fee ('All in for 99 SGD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hong Kong) | HKD 199 one-off set-up fee ('All in for 199 HKD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Japan) | JPY 3,000 one-off set-up fee ('All in for 3,000 JPY', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (New Zealand) | NZD 40 one-off set-up fee ('All in for 40 NZD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Brazil) | BRL 250 one-off registration fee ('Register for a Wise account 250 BRL', 'All in for 250 BRL'); account details then free | No monthly fee listed | · Source |
Closing an account
Payset
20.4 Each of the parties to this Agreement is entitled to terminate the Agreement with a prior 30 (thirty) days written notice given to the other party.
Wise Business
9.7 We may end this Agreement by giving you two (2) months’ notice. We may terminate this Agreement and close your Wise Account or any Services associated with it by giving you two (2) months’ prior notice, where required.
Licence
| Licensee | Payset | Wise Business |
|---|---|---|
| Licensee | Pay Set Ltd · EMI authorised by the FCA (FRN 900920) | Wise Payments Ltd · EMI authorised by the FCA (FRN 900507) · Wise Europe SA (Belgium) |
| Regulator | FCA · | FCA · |