Wise vs Zip (Formerly Quadpay)
Wise vs Zip (Formerly Quadpay), compared side by side on 17 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: Wise is on 70/100 and Zip (Formerly Quadpay) on 43/100.
Where each one leads
Wise
- our overall score: 70/100 against 43/100
Zip (Formerly Quadpay)
- agent readiness: 48/100 against 41/100
- funding raised: $1.3B against $1.0B
At a glance
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| What it is | Global cross-border payments platform offering multi-currency accounts and business payment solutions. | Buy Now, Pay Later (BNPL) service formerly known as Quadpay, enabling installment payments for online and in-store purchases. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B | B2B2C |
| Offering | Platform | Platform |
| Founded | 2011 | 2013 |
| Headquarters | London, United Kingdom | Sydney, Australia |
| Status | Active | Active |
Size, funding and growth
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| Employees | 10,813 | Not published |
| Headcount growthLast 12 months | +410.1% | Not published |
| Total funding | $1.0B | $1.3B |
| Latest round | Not published | Secondary Market |
| Valuation | $8.0B | Not published |
| LinkedIn followers | 661,701 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 70/100 | 43/100 |
| Traction | 60/100 | 40/100 |
| Team | 20/100 | 50/100 |
| Community | 13/100 | Not published |
| Search visibility | 30/100 | 5/100 |
| Quality | 90/100 | 50/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (41/100) | D (48/100) |
| Domain ratingLink authority, 0-100 | 89/100 | 84/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| CDN | Cloudflare | Cloudflare |
| Frameworks | Next.js, Bootstrap | Graphql |
| Analytics | Qualtrics | Not detected |
Product and pricing
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| Current offer | Free Wise Card | Not published |
What users say
| Measure | Wise | Zip (Formerly Quadpay) |
|---|---|---|
| Community ratingVisitor votes on StartupHub | 5.0/5 from 1 vote | Not published |
| Reddit sentimentThreads we track | 0 positive, 5 negative across 5 threads | Not published |
“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
Wise vs Zip (Formerly Quadpay): common questions
Which is better, Wise or Zip (Formerly Quadpay)?
On our 0-100 score Wise rates higher (70/100 against 43/100). 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 17 data points above: read the rows that match what you are buying for.
How do Wise and Zip (Formerly Quadpay) compare on the numbers?
Wise leads on our overall score (70/100 against 43/100). Zip (Formerly Quadpay) leads on agent readiness (48/100 against 41/100), funding raised ($1.3B against $1.0B).
What do real users say about Wise and Zip (Formerly Quadpay)?
Wise: 0 positive and 5 negative mentions across 5 Reddit threads we track, mostly in r/transferwiser.
Read the full Wise review and pricing or the Zip (Formerly Quadpay) review and pricing. You can also browse other Wise alternatives we track.