Routable vs Wise Business
global payouts head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Tiered subscription | Pay-as-you-go transaction fees |
| Deployment | — | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Xero | NetSuite, QuickBooks, Xero, Microsoft Dynamics 365 |
| Vendor | Routable | Wise plc |
Our take
Where Routable leads
- Stronger evidenced coverage on 15 of the 26 capabilities where they differ (led by payout / mass-payment api and self-serve recipient / vendor onboarding).
- Stated Sage Intacct integration the alternative doesn't list.
Where Wise Business leads
- Stronger evidenced coverage on 11 of the 26 capabilities where they differ (led by multi-currency balance holding and local receiving / collection accounts).
- Stated Microsoft Dynamics 365 integration the alternative doesn't list.
Where they differ
The 26 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 | ||
|---|---|---|
| Multi-currency balance holdingMulti-Currency Accounts & FX | Not evidenced | Core strength Hold and convert 40+ currencies, interest on GBP/EUR/USD |
| Local receiving / collection accountsMulti-Currency Accounts & FX | Not evidenced | Core strength Local account details in 20+ markets |
| Spot currency conversionMulti-Currency Accounts & FX | Not evidenced | Core strength |
| Transparent / interbank-rate pricingMulti-Currency Accounts & FX | Not evidenced | Core strength Mid-market exchange rate plus a transparent conversion fee |
| Payout / mass-payment APIMass Payouts & Batch Processing | Core strength API and webhook access | Not evidenced |
| Self-serve recipient / vendor onboardingRecipient & Vendor Management | Core strength Branded vendor self-service onboarding | Not evidenced |
| Tax form collectionRecipient & Vendor Management | Core strength Domestic and international tax form collection (W-9, W-8) | Not evidenced |
| Payee tax reporting & filingRecipient & Vendor Management | Core strength 1099 and 1042 tax filing | Not evidenced |
| Vendor compliance & fraud-mitigation checksRecipient & Vendor Management | Core strength Vendor compliance and fraud-mitigation checks | Not evidenced |
| Corporate / business card issuanceCards & Spend | Not evidenced | Core strength Physical and virtual business debit cards, accepted in 231 countries |
| Configurable card spending controlsCards & Spend | Not evidenced | Core strength Custom spending permissions and controls |
| AI / OCR invoice captureAP / Invoice Automation | Core strength AI-powered OCR invoice capture, bill created in ~30 seconds | Not evidenced |
| Purchase order matchingAP / Invoice Automation | Core strength | Not evidenced |
| Accounting bank-feed syncAccounting & ERP Sync | Not evidenced | Core strength Direct bank-feed connection to Xero, QuickBooks, DATEV, Exact Online, Twinfield |
| Multi-currency reconciliationAccounting & ERP Sync | Core strength Multi-currency sync in original or base currency | Not evidenced |
| Automatic payment reference syncAccounting & ERP Sync | Core strength Automatic sync of check numbers, ACH IDs, SWIFT IDs | Not evidenced |
| Public API / SDK accessPlatform & Developer Tools | Core strength | Not evidenced |
| Webhook / event notificationsPlatform & Developer Tools | Core strength | Not evidenced |
| Multi-user roles & permissionsPlatform & Developer Tools | Not evidenced | Core strength Custom user roles, spending permissions and sub-accounts |
| Recurring & scheduled payment runsMass Payouts & Batch Processing | Not evidenced | Supported Standing orders in supported markets |
| Accounts receivable / invoicingAP / Invoice Automation | Not evidenced | Supported Payment links and invoicing for collecting client payments |
| iPaaS / broader app connectivityPlatform & Developer Tools | Not evidenced | Supported Open Banking connections to NetSuite, Sage, Dynamics 365, Odoo, Zoho and others |
| KYC / identity verificationRecipient & Vendor Management | Partial Bank account ownership verification on higher tiers only | Not evidenced |
| AML & sanctions screeningRecipient & Vendor Management | Partial OFAC/sanctions monitoring on higher tiers only | Not evidenced |
| Configurable approval workflowsAP / Invoice Automation | Core strength Configurable role-based approval workflows | Supported Batch payment approval workflows |
| Two-way ERP / accounting syncAccounting & ERP Sync | Core strength Real-time two-way sync, reported 99.8% accuracy | Supported Bi-directional Xero and QuickBooks Online connections |
Both grade identically on the other 11 capabilities — see each product's full profile: Routable, Wise Business.
Routable vs Wise Business — FAQs
Is Routable or Wise Business better for ERP integration?
Both state integrations with NetSuite, QuickBooks, Xero. Routable additionally lists Sage Intacct. Wise Business additionally lists Microsoft Dynamics 365. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Routable 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 Routable and Wise Business should each cost you — and whether a third option belongs on your shortlist.