Compare before you choose
A Wise alternative for receiving business payments
Looking at options beyond Wise for getting paid? Here is a plain, feature-by-feature look. With a TRANSMONY Account your business gets account details in its own name, local payments from Latin America, stablecoins and real people to help, 24/7.
How it works
- 1Sign up onlineAs an individual or a business. It takes a few minutes.
- 2Verify your identityA passport or national ID card. Companies also send their company documents.
- 3Get your detailsAccount details in your own name, ready to share with whoever pays you.
- 4Get paidMoney arrives in your account. Keep it, send it to a bank or hold it as stablecoins.
TRANSMONY and Wise, side by side
Features only, as published by each company. Check the latest details with each provider before you choose.
| Feature | TRANSMONY Account | Wise |
|---|---|---|
| Receive payments | USD, EUR, MXN, BRL and COP account details in your own name (GBP on request) | Local account details in currencies including USD, EUR, GBP, AUD, CAD, HKD, HUF, NZD and SGD, plus Swift details for more currencies |
| Hold money | One US dollar balance, held as digital dollars, plus USDC and USDT in your own wallet | Keep 40+ currencies in your account |
| Ask to be paid | Payment requests with a private link, QR code and PDF | Invoices, payment links and QR codes |
| Stablecoins | USDC and USDT in your own crypto wallet | Not listed on the pages we checked |
| Cards | Not offered yet | Physical and digital cards for your team |
| Help | Real people 24/7 by email, Telegram, WhatsApp and support tickets | Online help centre |
What you get
Get paid without delays
Who can pay into your US detailsClear rules keep every account safe.More
- You, any registered business, or a family member with your surname.
- Another private person, for payments under 4,000 US dollars.
- Third-party payments cannot come from New York or Texas.
- International SWIFT wires from outside the US are not accepted on these details.
- Very small “test” payments cannot be credited. Ask for the real amount.
Who it is for
Your money and data, protected.
TRANSMONY is a financial technology company. Every service is delivered through our banking partner and other regulated financial partners, under the TRANSMONY name.
Every service is provided by a regulated financial institution that holds the licences it requires.
All money stays in your own named account and all stablecoins in your own crypto wallet – never in TRANSMONY’s own bank account.
Identity and company checks for every client, under international anti-money-laundering rules.
A one-time email code instead of a password, and an email code to confirm every withdrawal or transfer.
Services are subject to eligibility, verification and availability in your country.
How we keep you safeCommon questions
Is TRANSMONY connected to Wise?
No. Payoneer and Wise are trademarks of their owners; TRANSMONY is not connected to them. TRANSMONY is a financial technology company working with regulated partners.
Can my business get paid from Latin America?
Yes. Get Mexican pesos by SPEI, Brazilian reais by Pix and Colombian pesos by Bre-B, in your own name. COP is available on request.
Can my business hold stablecoins?
Yes. USDC and USDT stay in your own crypto wallet. Clients living in the EU or EEA are offered USDC; USDT is not offered there.
What does my company need to apply?
A certificate of incorporation, a recent company filing, proof of business activity such as an invoice with its payment proof, and a short identity check for each owner of a quarter or more of the company.
Where can I send money?
To banks in the United States by ACH or US wire, anywhere in the world by international wire in US dollars, in euros by SEPA, in pounds by Faster Payments, and to Mexico, Brazil and Colombia in local currency.
Related accounts
Sources, checked 2 November 2026: Wise Business · Wise Business: Receive international payments · Wise Help: Which currencies can I add, keep and receive?.
Payoneer and Wise are trademarks of their owners; TRANSMONY is not connected to them.
Questions? Talk to a real person
Not sure this account fits you? Ask us before you apply. We answer every message, 24 hours a day, 7 days a week.