Airwallex vs Wise Business
global payouts head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Freemium plus usage fees | Pay-as-you-go transaction fees |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market |
| Stated ERP integrations | NetSuite, Xero, QuickBooks | NetSuite, QuickBooks, Xero, Microsoft Dynamics 365 |
| Vendor | Airwallex | Wise plc |
Our take
Where Airwallex leads
- Stronger evidenced coverage on 7 of the 15 capabilities where they differ (led by payout / mass-payment api and public api / sdk access).
Where Wise Business leads
- Stronger evidenced coverage on 8 of the 15 capabilities where they differ (led by bulk / csv batch payment uploads and multi-user roles & permissions).
- Stated Microsoft Dynamics 365 integration the alternative doesn't list.
Where they differ
The 15 capabilities (of 37 in the global payouts taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Bulk / CSV batch payment uploadsMass Payouts & Batch Processing | Not evidenced | Core strength Batch payments to up to 1,000 recipients per upload |
| Payout / mass-payment APIMass Payouts & Batch Processing | Core strength Programmatic payouts and multi-currency account APIs | Not evidenced |
| Public API / SDK accessPlatform & Developer Tools | Core strength Platform APIs for embedded finance and payouts | Not evidenced |
| Multi-user roles & permissionsPlatform & Developer Tools | Not evidenced | Core strength Custom user roles, spending permissions and sub-accounts |
| Same-day / instant payment optionsGlobal Payment Coverage & Rails | Not evidenced | Supported Most transfers arrive within 24 hours |
| Recurring & scheduled payment runsMass Payouts & Batch Processing | Not evidenced | Supported Standing orders in supported markets |
| Self-serve recipient / vendor onboardingRecipient & Vendor Management | Supported Programmatic connected-account onboarding for platforms | Not evidenced |
| Configurable approval workflowsAP / Invoice Automation | Not evidenced | Supported Batch payment approval workflows |
| Purchase order matchingAP / Invoice Automation | Supported Bill payment automation and purchase order management | Not evidenced |
| Multi-currency reconciliationAccounting & ERP Sync | Supported Custom accounting category mapping across currencies | Not evidenced |
| Security & compliance certificationsPlatform & Developer Tools | Supported Published security and compliance program | Not evidenced |
| iPaaS / broader app connectivityPlatform & Developer Tools | Not evidenced | Supported Open Banking connections to NetSuite, Sage, Dynamics 365, Odoo, Zoho and others |
| Spot currency conversionMulti-Currency Accounts & FX | Supported Transactional FX via API | Core strength |
| Transparent / interbank-rate pricingMulti-Currency Accounts & FX | Supported International transfers at interbank exchange rates | Core strength Mid-market exchange rate plus a transparent conversion fee |
| Two-way ERP / accounting syncAccounting & ERP Sync | Core strength Bi-directional Xero and NetSuite integration (expenses, bills, payables) | Supported Bi-directional Xero and QuickBooks Online connections |
Both grade identically on the other 22 capabilities — see each product's full profile: Airwallex, Wise Business.
Airwallex vs Wise Business — FAQs
Is Airwallex or Wise Business better for ERP integration?
Both state integrations with NetSuite, Xero, QuickBooks. Wise Business additionally lists Microsoft Dynamics 365. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Airwallex or Wise Business?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Airwallex and Wise Business should each cost you — and whether a third option belongs on your shortlist.