What people complain about in Wise
11 reported problems name Wise as what the person is currently using. Below is what they said was missing, and what they resorted to instead.
- Complaints
- 11
- Avg severity
- 3.5/5
- Would pay to fix
- 3
- Industries
- 4
What they wish it did
Capabilities people described needing that Wise does not give them, taken from the highest-scoring problems first. These are individual accounts written in each person’s own terms, so two entries may describe the same underlying gap in different words.
- A dedicated corporate payment app that guarantees instant approval for large transactions without triggering manual reviews
- Automatic surfacing of payment failure rates and reasons without manual navigation
- Automated fallback payment routing for high-failure regions
- Multi-lender financing platform that automatically routes applications to most likely approval lenders
- Instant pre-qualification system integrated with sales workflow to prevent lost deals
- Payment platform with intelligent name matching across transliteration variations
- Document verification system that recognizes equivalent name spellings across alphabets
- Automated business-personal transaction segregation and tax-ready expense reporting
What they do instead
The manual processes people built around the gap. A long workaround list is the strongest evidence a problem is real: someone is already paying for it in time. Where several people described the same workaround, it is marked.
- tried multiple bank accounts/cards sequentially until one worked
- used a different app (Keytom) meant for large supplier payments as a workaround
- Manually digging into payment processor dashboards to find failure data two or three clicks deep
- Setting up fallback payment methods like Wise or manual invoices for high-value international markets
- Encouraging denied applicants to pursue personal loans
- Reaching out to banks to issue statements with exact spelling Payoneer wants
- mixes side hustle expenses with personal spending manually
- struggles to separate finances at tax time
Problem types
The problems themselves
Highest opportunity score first.
Small business operator needs to quickly convert USDC to EUR for time-sensitive business payments without delays from P2P, bank compliance, or lengthy verification.
4HighGeneral Business ServicesPayment ProcessingCryptoBridge PaymentsMaking time-sensitive, large corporate travel payments fails with standard business accounts and cards due to limits or slow reviews.
4HighGeneral Business ServicesPayment ProcessingBreezeCorp PaymentsPayment processor buried failure data causes unawareness of 66% payment rejection rate.
4HighSoftware and TechnologyPayment ProcessingDeclineGuardA UK non-resident online business owner needs a reliable, non-fintech bank that won't freeze or close accounts without explanation, to avoid operational disruption.
4HighGeneral Business ServicesFinancial ManagementReliCorp BankingLosing sales because 80% of clients are denied financing through the company's two providers, despite being ready to purchase.
4HighField ServiceFinancial ManagementFinancingFlow ProPayment platforms like Payoneer reject international users whose names have inconsistent transliterations between different alphabets (Cyrillic, Arabic, Georgian), causing document verification failures.
3MediumSoftware and TechnologyPayment ProcessingTransliteratePayA Canadian business owner needs a cost-effective, reliable way to send USD payments to US businesses regularly, facing high bank fees and failed transfers with existing solutions.
3MediumGeneral Business ServicesPayment ProcessingCrossBorderPay ProInternational B2B payment fees, FX rates, and delays are eroding margins for clients with larger invoices.
3MediumGeneral Business ServicesPayment ProcessingCrossBorderPay ProSmall export business struggles with high fees and poor FX rates on B2B cross-border payments, eroding margins on larger invoices.
3MediumE-commerceFinancial ManagementCrossBorder Invoicing ProBusiness needs a fast, low-cost payment processor for EU-to-US transactions, as local bank SWIFT transfers are expensive and slow.
3MediumGeneral Business ServicesPayment ProcessingTransAtlantic PaySide hustler needs to separate business finances from personal spending to simplify tax time and expense management.
3MediumGeneral Business ServicesFinancial ManagementSidePurse
Read this fairly
These are complaints, and only complaints — nobody posts to say their software worked. A high count mostly reflects how many people use Wise at all, so this page is not a quality judgement and should not be read as one. What it is good for is the shape of the gaps: the specific jobs people could not get done, which are the same whether the tool is popular or not.