TerraPay vs Wise
TerraPay vs Wise, compared side by side on 13 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: TerraPay is on 47/100 and Wise on 70/100.
Where each one leads
TerraPay
- positive user sentiment: 80% positive against 0% positive
Wise
- our overall score: 70/100 against 47/100
- funding raised: $1.0B against $100M
At a glance
| Measure | TerraPay | Wise |
|---|---|---|
| What it is | Global payments infrastructure for mobile money and bank accounts. | Global cross-border payments platform offering multi-currency accounts and business payment solutions. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2B | B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2014 | 2011 |
| Headquarters | Amsterdam, Netherlands | London, United Kingdom |
| Status | Inactive | Active |
Size, funding and growth
| Measure | TerraPay | Wise |
|---|---|---|
| Employees | Not published | 10,813 |
| Headcount growthLast 12 months | Not published | +410.1% |
| Total funding | $100M | $1.0B |
| Latest round | Series B | Not published |
| Valuation | Not published | $8.0B |
| LinkedIn followers | Not published | 661,701 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | TerraPay | Wise |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 47/100 | 70/100 |
| Traction | 40/100 | 60/100 |
| Team | Not published | 20/100 |
| Community | Not published | 13/100 |
| Search visibility | 2/100 | 30/100 |
| Quality | 68/100 | 90/100 |
| Agent readinessHow well an AI agent can read and act on the site | Not published | D (41/100) |
| Domain ratingLink authority, 0-100 | Not published | 89/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | TerraPay | Wise |
|---|---|---|
| CDN | Not detected | Cloudflare |
| Frameworks | Not detected | Next.js, Bootstrap |
| Analytics | Not detected | Qualtrics |
Product and pricing
| Measure | TerraPay | Wise |
|---|---|---|
| Current offer | Not published | Free Wise Card |
What users say
| Measure | TerraPay | Wise |
|---|---|---|
| Community ratingVisitor votes on StartupHub | Not published | 5.0/5 from 1 vote |
| Reddit sentimentThreads we track | 4 positive, 0 negative across 5 threads | 0 positive, 5 negative across 5 threads |
“TerraPay, Cooperative Bank of Oromia and Quantoz Launch Blockchain-Based Settlement for Inward Remittances to Ethiopia using Xahau blockchain. TerraPay ( terrapay.com ), a global payments infrastructure company, and Cooperative Bank of Orom”r/XahauBlockchain
“I have used Wise for 5 years, and put all my savings into Wise because it's easy to transfer in and out of Wise, and I get to invest at the same time. I became a victim today. I got too trusting and today I received the email that my accoun”r/transferwiser
TerraPay vs Wise: common questions
Which is better, TerraPay or Wise?
On our 0-100 score Wise rates higher (70/100 against 47/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 13 data points above: read the rows that match what you are buying for.
How do TerraPay and Wise compare on the numbers?
TerraPay leads on positive user sentiment (80% positive against 0% positive). Wise leads on our overall score (70/100 against 47/100), funding raised ($1.0B against $100M).
What do real users say about TerraPay and Wise?
TerraPay: 4 positive and 0 negative mentions across 5 Reddit threads we track, mostly in r/XahauBlockchain. Wise: 0 positive and 5 negative mentions across 5 Reddit threads we track, mostly in r/transferwiser.
Read the full TerraPay review and pricing or the Wise review and pricing. You can also browse other TerraPay alternatives we track.