# Equals Money vs Wise Business Comparison

| | Equals Money | Wise Business | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 3.9 out of 5 | 
| **Total Reviews** | 194 | 95 | 
| **Largest Market Segment** | Small-Business (73.7% of reviews) | Small-Business (78.3% of reviews) | 
| **Entry Level Price** | Contact Us | No pricing available | 

---
## Top Pros & Cons

### Equals Money

Pros:
- Ease of Use (75 reviews)
- Customer Support (38 reviews)

Cons:
- Approval Issues (15 reviews)
- Upload Issues (10 reviews)

### Wise Business

Pros:
- Ease of Use (7 reviews)
- Easy Payments (3 reviews)

Cons:
- High Fees (3 reviews)
- Banking Issues (2 reviews)

---
## Ratings Comparison
| Rating | Equals Money | Wise Business | 
|---|---|---|
  | **Meets Requirements** | 8.7 (181 reviews) | 8.1 (63 reviews) | 
  | **Ease of Use** | 9.0 (186 reviews) | 8.8 (63 reviews) | 
  | **Ease of Setup** | 9.0 (163 reviews) | 8.5 (21 reviews) | 
  | **Ease of Admin** | 9.0 (137 reviews) | 7.8 (12 reviews) | 
  | **Quality of Support** | 9.1 (169 reviews) | 7.2 (56 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.2 (130 reviews) | 5.6 (11 reviews) | 
  | **Product Direction (% positive)** | 9.2 (181 reviews) | 8.0 (58 reviews) | 

---
## Pricing

### Equals Money

#### Entry-Level Pricing

Plan: Embedded Finance Solutions

Price: Contact Us

Description: Financial Infrastructure built for your customers

Key Features:
- Develop your own solutions with access to our payments, cards & account capabilities via our API
- White label our products, accelerating your go-to-market speed with fully branded solutions 
- Send & receive funds through SWIFT, SEPA, UK Faster Payments, & USDC off-ramping, while benefiting from favourable FX rates

[Browse all 6 editions](https://www.g2.com/products/equals-money/pricing)

#### Free Trial

No

### Wise Business

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | 7.8/10 | 137 |
| **Wise Business** | N/A | N/A |

#### Expense Reports

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Ease of Creating Expense Reports** | 7.9 (118 reviews) | Not enough data | 
| **Bank / Credit Card Integration** | 8.2 (113 reviews) | Not enough data | 
| **Smart Categorization** | 7.5 (104 reviews) | Not enough data | 
| **Digital Receipt Management** | 7.9 (106 reviews) | Not enough data | 
| **Employee Reimbursement** | Feature Not Available | Not enough data | 
| **Currency Conversions** | 7.6 (109 reviews) | Not enough data | 
| **Credit Card Integration** | 7.5 (96 reviews) | Not enough data | 

#### Agentic AI - Expense Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 

#### Travel Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Ease of Booking** | Feature Not Available | Not enough data | 
| **Itinerary Management** | Feature Not Available | Not enough data | 
| **Trip Notifications** | Feature Not Available | Not enough data | 
| **Advanced Integrations** | Feature Not Available | Not enough data | 

#### Client Invoicing

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Invoice Creation and Delivery** | 6.7 (94 reviews) | Not enough data | 
| **Electronic Payments** | 8.3 (110 reviews) | Not enough data | 
| **Project Accounting / Revenue Recognition** | 7.6 (97 reviews) | Not enough data | 

#### Generative AI - Expense Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Receipt Capture** | 7.9 (102 reviews) | Not enough data | 
| **Mileage Tracking** | Feature Not Available | Not enough data | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | Not enough data | 

#### Platform

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Embedded AI / Machine Learning** | Feature Not Available | Not enough data | 
| **Complex Approval Workflow** | 7.1 (87 reviews) | Not enough data | 

#### Administration

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **PCI Regulation Compliant** | 7.5 (90 reviews) | Not enough data | 

#### Administration

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Business Tool Integration** | 7.6 (105 reviews) | Not enough data | 
| **Workflow** | 7.7 (105 reviews) | Not enough data | 
| **Automated Reminders** | Feature Not Available | Not enough data | 
| **Policy Compliance Management** | 7.7 (103 reviews) | Not enough data | 
| **User, Role, and Access Management** | 8.6 (119 reviews) | Not enough data | 

#### Platform

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Reporting** | 8.1 (113 reviews) | Not enough data | 
| **APIs / Integration** | 7.1 (89 reviews) | Not enough data | 
| **Internationalization** | 7.4 (93 reviews) | Not enough data | 
| **Performance and Reliability** | 8.5 (111 reviews) | Not enough data | 
| **Mobile User Support** | 8.6 (102 reviews) | Not enough data | 
| **Offline** | Feature Not Available | Not enough data | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | N/A | N/A |
| **Wise Business** | 8.0/10 | 14 |

#### Payment Methods

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **ACH** | Not enough data | 9.3 (10 reviews) | 
| **Credit and Debit** | Not enough data | 8.9 (9 reviews) | 
| **Wire Transfer** | Not enough data | 9.3 (12 reviews) | 

#### Payment Processing 

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Batch Processing** | Not enough data | 7.8 (6 reviews) | 
| **Payments Scheduling** | Not enough data | 8.1 (8 reviews) | 
| **Automated Workflows** | Not enough data | 8.3 (5 reviews) | 
| **Self Service** | Not enough data | 7.6 (7 reviews) | 
| **Reconciliation** | Not enough data | 8.3 (9 reviews) | 
| **Settlements** | Not enough data | 9.0 (8 reviews) | 
| **Payment Tracking** | Not enough data | 9.4 (12 reviews) | 

#### Security and Compliance

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **PCI Compliant** | Not enough data | 7.7 (8 reviews) | 
| **P2PE** | Not enough data | 6.7 (6 reviews) | 
| **Fraud Management** | Not enough data | 6.4 (7 reviews) | 
| **SSL Encryption** | Not enough data | 7.5 (8 reviews) | 
| **SOX** | Not enough data | 6.7 (6 reviews) | 
| **SOC** | Not enough data | 6.4 (6 reviews) | 

#### Integration

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Agnostic Integration** | Not enough data | 8.1 (7 reviews) | 
| **Reporting Consolidation** | Not enough data | 8.1 (6 reviews) | 
| **Plugins and APIs** | Not enough data | 8.3 (5 reviews) | 

#### Payment Types

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **AP Automation** | Not enough data | Not enough data | 
| **E-Commerce** | Not enough data | 8.7 (5 reviews) | 
| **Retail** | Not enough data | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | 7.4/10 | 55 |
| **Wise Business** | N/A | N/A |

#### Setup

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Data** | 6.7 (48 reviews) | Not enough data | 
| **Approvals** | 7.2 (50 reviews) | Not enough data | 
| **Alignment** | 6.8 (46 reviews) | Not enough data | 

#### Performance

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **KPIs** | 6.7 (45 reviews) | Not enough data | 
| **Benchmarks** | 6.7 (45 reviews) | Not enough data | 
| **Forecasting** | 6.5 (45 reviews) | Not enough data | 
| **Savings** | 6.5 (45 reviews) | Not enough data | 

#### Payment Cards

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **One-time Virtual** | 7.5 (46 reviews) | Not enough data | 
| **Recurring Virtual** | 7.7 (47 reviews) | Not enough data | 
| **Physical** | 8.7 (49 reviews) | Not enough data | 

#### Reporting

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Real time** | 8.4 (49 reviews) | Not enough data | 
| **Multiple Views** | 7.7 (47 reviews) | Not enough data | 
| **Export** | 8.2 (47 reviews) | Not enough data | 
| **Budgets** | 7.2 (46 reviews) | Not enough data | 

#### Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Vendor** | 7.5 (43 reviews) | Not enough data | 
| **Recurring** | 7.6 (43 reviews) | Not enough data | 
| **Employee Reimbursements** | 6.9 (43 reviews) | Not enough data | 
| **ACH** | 7.2 (40 reviews) | Not enough data | 

#### Fraud & Risk Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Notifications** | 7.8 (43 reviews) | Not enough data | 
| **Unique Cards** | 7.9 (43 reviews) | Not enough data | 
| **Controls** | 8.4 (47 reviews) | Not enough data | 

#### Agentic AI - Spend Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Proactive Assistance** | Not enough data | Not enough data | 

### Cross-border payments software

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | 7.6/10 | 35 |
| **Wise Business** | 8.3/10 | 50 |

#### Transactions

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Types** | 7.2 (27 reviews) | 7.9 (40 reviews) | 
| **Global** | 7.1 (27 reviews) | 8.9 (45 reviews) | 
| **Channels** | 6.9 (26 reviews) | 8.2 (41 reviews) | 
| **Fees** | 7.5 (29 reviews) | 7.8 (46 reviews) | 

#### Compliance

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Security** | 8.6 (27 reviews) | 8.6 (47 reviews) | 
| **Fraud Protection** | 8.3 (26 reviews) | 8.2 (43 reviews) | 
| **ID Verification** | 8.6 (27 reviews) | 8.6 (45 reviews) | 

#### Integration

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Accounting** | 7.4 (28 reviews) | 8.6 (38 reviews) | 
| **Foreign Exchange** | 7.5 (29 reviews) | 8.6 (43 reviews) | 
| **AML & KYC** | 6.8 (22 reviews) | 7.9 (33 reviews) | 

#### Agentic AI -  Remittance & Money Transfer

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | 7.7/10 | 56 |
| **Wise Business** | N/A | N/A |

#### Card Management

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Card Types** | 8.8 (50 reviews) | Not enough data | 
| **Card Controls** | 8.8 (52 reviews) | Not enough data | 
| **Card Personalization** | 7.4 (44 reviews) | Not enough data | 
| **Configuration** | 8.0 (46 reviews) | Not enough data | 
| **Fulfillment** | 7.5 (43 reviews) | Not enough data | 
| **Replacement** | 8.4 (50 reviews) | Not enough data | 

#### Controls

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Tokenization** | 7.1 (36 reviews) | Not enough data | 
| **Security** | 8.0 (46 reviews) | Not enough data | 
| **Card Networks** | 7.6 (40 reviews) | Not enough data | 
| **Integration** | 7.4 (38 reviews) | Not enough data | 
| **Testing** | 6.8 (37 reviews) | Not enough data | 
| **APIs** | 6.7 (35 reviews) | Not enough data | 

### Banking as a Service (BaaS)

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | N/A | N/A |
| **Wise Business** | N/A | N/A |

#### Connectivity

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **APIs** | Not enough data | Not enough data | 
| **Cards** | Not enough data | Not enough data | 
| **Accounts** | Not enough data | Not enough data | 
| **White-labeling** | Not enough data | Not enough data | 

#### Compliance

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Reporting** | Not enough data | Not enough data | 
| **Onboarding** | Not enough data | Not enough data | 

#### Agentic AI - Banking as a Service (BaaS)

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Decision Making** | Not enough data | Not enough data | 

### Embedded Payments

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | N/A | N/A |
| **Wise Business** | N/A | N/A |

#### Payments - Embedded Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Processing** | Not enough data | Not enough data | 
| **Fraud Protection** | Not enough data | Not enough data | 
| **Payment Methods** | Not enough data | Not enough data | 

#### Personalization - Embedded Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Customer Onboarding** | Not enough data | Not enough data | 
| **Checkout Customization** | Not enough data | Not enough data | 
| **Localization** | Not enough data | Not enough data | 
| **Merchant Portal** | Not enough data | Not enough data | 

#### Setup - Embedded Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Payment Flows** | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | 
| **Dispute Management** | Not enough data | Not enough data | 

#### Analytics - Embedded Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Transactions** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Revenue** | Not enough data | Not enough data | 

#### Agentic AI - Embedded Payments

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Cross-system Integration** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Equals Money** | N/A | N/A |
| **Wise Business** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Equals Money | Wise Business | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Cross-border payments software](https://www.g2.com/categories/cross-border-payments-software)

**Unique to Equals Money (5):** [Banking as a Service (BaaS) Software](https://www.g2.com/categories/banking-as-a-service-baas), [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Spend Management Software](https://www.g2.com/categories/spend-management), [Expense Management Software](https://www.g2.com/categories/expense-management), [Embedded Payments Software](https://www.g2.com/categories/embedded-payments)

**Unique to Wise Business (1):** [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment)


---
## Reviewer Demographics

### By Company Size

| Segment | Equals Money | Wise Business | 
|---|---|---|
| **Small-Business** | 73.7% | 78.3% | 
| **Mid-Market** | 25.3% | 16.3% | 
| **Enterprise** | 1.0% | 5.4% | 

### By Industry

#### Equals Money

- **Non-Profit Organization Management:** 11.5%
- **Education Management:** 6.3%
- **Media Production:** 6.3%
- **Accounting:** 4.7%
- **Higher Education:** 4.7%
- **Hospital & Health Care:** 4.2%
- **Motion Pictures and Film:** 4.2%
- **Religious Institutions:** 4.2%
- **Entertainment:** 3.6%
- **Civic & Social Organization:** 3.6%
- **Other:** 46.9%

#### Wise Business

- **Information Technology and Services:** 12.0%
- **Computer Software:** 9.8%
- **Management Consulting:** 7.6%
- **Marketing and Advertising:** 7.6%
- **Accounting:** 7.6%
- **Banking:** 4.3%
- **Financial Services:** 3.3%
- **E-Learning:** 3.3%
- **Internet:** 3.3%
- **Consumer Services:** 3.3%
- **Other:** 38.0%

---
## Alternatives

### Alternatives to Equals Money

- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9078 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (887 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5635 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1566 reviews)
- [Alaan](https://www.g2.com/products/alaan/reviews) — 4.7/5 stars (718 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1119 reviews)

### Alternatives to Wise Business

- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [Corpay Cross-Border](https://www.g2.com/products/corpay-cross-border/reviews) — 4.5/5 stars (931 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (406 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1922 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5305 reviews)
- [Billtrust](https://www.g2.com/products/billtrust/reviews) — 4.4/5 stars (507 reviews)
- [Happay](https://www.g2.com/products/happay/reviews) — 4.5/5 stars (431 reviews)

---
## Top Discussions

### Equals Money

No discussions available for this product.

### Wise Business

- Title: [What are the benefits of TransferWise?](https://www.g2.com/discussions/what-are-the-benefits-of-transferwise) — 2 comments
  > **Top comment:** "Easy Invoice creation, distribution and payment tracking. "
- Title: [Is TransferWise better than zoom?](https://www.g2.com/discussions/is-transferwise-better-than-zoom) — 1 comment, 1 upvote
  > **Top comment:** "Nice work system 👍👌"
- Title: [What services does TransferWise offer?](https://www.g2.com/discussions/what-services-does-transferwise-offer) — 1 comment
  > **Top comment:** "It offers a cheapest service currently available to transfer and transfer money in different currencies"

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/equals-money-vs-wise-business)