Reap Pay
Business payments in your preferred currencies
Wise
The universal way for you to manage money internationally.
Updated February 2026
| Reap Pay | Wise | |
|---|---|---|
| Rating | 5.0★ | 4.8★ |
| Reviews | 3 | 13 |
| Pros | 9 | 10 |
| FactScore™ | 30.1 | 54.7 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsBoth tools — Pros
—Only in Wise — Pros
Easy to use Fast international transfers Low fees Seamless global payouts Desktop and mobile applications Digital banking Good customer service No hidden fees Obtain USA account Widely usedOnly in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsBoth tools — Cons
—Only in Wise — Cons
Account closure without notification Challenging document approval Debit card availability issues Government restrictions Transaction failure without notificationDetails
| Reap Pay | Wise | |
|---|---|---|
| Categories | Online banking, Payment processors, Money transfer | Online banking, Money transfer |
| Platforms | Web | Web · iOS · Android |
| Became Popular | April 3, 2023 | January 18, 2014 |
| Website | reap.global | www.wise.com |
Who Should Pick Which?
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
Choose Wise if...
- Easy to use
- Fast international transfers
- Low fees
With a FactScore™ of 30.1 vs 54.7, Wise leads in community reception. Reap Pay uniquely offers Credit card payments and Crypto payments, while Wise stands out for Easy to use and Fast international transfers.
What Users Say
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Wise
Wise helps us make payouts to creators around the world—fast, fair, and without hidden fees. Whether it’s USD to BDT or EUR to INR, Wise ensures our global payout system is seamless and creator-fir...
Very good solution, quick, widely used
super simple and easy to use
Related Comparisons
Frequently Asked Questions
Which is better, Reap Pay or Wise?
Based on FactScore™, Wise leads with a score of 54.7 vs 30.1. Wise has a higher rating of 4.8★ compared to 5.0★.
What are the pros of Reap Pay compared to Wise?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
What are the pros of Wise compared to Reap Pay?
Wise uniquely offers: Easy to use, Fast international transfers, Low fees, Seamless global payouts, Desktop and mobile applications.
Is Reap Pay better rated than Wise?
Reap Pay is rated 5.0★ from 3 reviews. Wise is rated 4.8★ from 13 reviews.
What is the FactScore™ of Reap Pay and Wise?
FactScore™ weighs rating and review volume together. Reap Pay scores 30.1 and Wise scores 54.7.
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