Corpay vs Wise — Pricing, Fees & B2B Features Compared (2026)
Most comparison pages are written by one of the companies being compared. We publish this because we believe you deserve honest information — even when it favours our competitors.
We also show where both fall short for importers and exporters — and where we've built something different.
Corpay suits corporate travel and AP; Wise suits SMEs and transparent transfers.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Quick comparison
| Feature | Corpay | Wise | Unicorn Currencies |
|---|---|---|---|
| Currencies | Multiple | 40+ | 35+ |
| FX / Fees | Check provider for current pricing | Mid-market rate + 0.33–0.57% fee | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Enterprise pricing | $0 (one-time setup fee may apply) | No monthly fee |
| Settlement | 1–2 business days | 1–2 business days | Same-Day |
| Local accounts | Multiple | 9 currencies | with a local US bank account |
| Regulation | Licensed in multiple jurisdictions | FCA authorised, FinCEN registered | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | Corporate travel and cross-border B2B payments | Freelancers and SMEs wanting transparent mid-market rates | B2B import/export, £1M++ annually |
Verdict
Corpay suits corporate travel and AP; Wise suits SMEs and transparent transfers.
Frequently asked questions
Which is best for import/export with £1M+ annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features than consumer-oriented platforms. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and local bank accounts in 5 regions — features that general-purpose platforms typically don't provide.
Which platform is best for businesses processing £1M+ in annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and a local account with a local US bank account — features that general-purpose platforms typically don't provide.
Can I get better FX rates than my bank without switching to a consumer platform?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper vs traditional US banks — while providing the compliance, security, and dedicated support that banks offer. Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Looking for a B2B alternative to both?
Unicorn Currencies is purpose-built for importers and exporters. Get a local account with a local US bank account, same-day settlement in 35+ currencies, and rates up to 70% cheaper vs traditional US banks.
FINTRAC registered · Bank of Canada RPAA registered.