Software Alternatives, Accelerators & Startups

Wise VS Neolink.io

Compare Wise VS Neolink.io and see what are their differences

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Wise logo Wise

Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...

Neolink.io logo Neolink.io

White-label acquiring platform to launch and scale payment businesses.
  • Wise Landing page
    Landing page //
    2023-09-02
Not present

Neolink is a cloud-based, white-label acquiring platform built for PSPs, acquirers, and financial institutions looking to launch and scale payment businesses efficiently. The platform provides an end-to-end ecosystem that includes payment processing, merchant onboarding, technical infrastructure, and compliance support — all designed to help licensed payment companies go live in weeks, not months.

With Neolink, you get more than just software. The platform comes fully hosted and supported, allowing you to offer acquiring services under your own brand with minimal internal development. Whether you're launching as a PSP or evolving into a full acquirer, Neolink adapts to your business needs with modular features and scalable architecture.

Key features include:

  • Payment gateway and processing core
  • White-label merchant portal
  • Customizable payment page
  • Automated KYC/AML onboarding
  • Acquirer back office and reporting tools
  • RESTful API for third-party integrations
  • PCI DSS Level 1 certified cloud environment

Neolink supports multi-currency, multi-country and high-risk payment processing with tokenization and omnichannel capabilities. The infrastructure is based on AWS and can be deployed as a primary or backup solution.

The platform is ideal for companies looking to minimize time-to-market and operational overhead while retaining full control over their acquiring strategy. Thanks to its flexible SaaS model, you can scale your business without vendor lock-in — and without compromising on performance or compliance.

Wise features and specs

  • Low Fees
    Wise offers competitive and transparent fees compared to traditional banks and many other money transfer services.
  • Real Exchange Rates
    Wise uses the mid-market exchange rate, meaning users get the real exchange rate without any hidden markups.
  • Fast Transfers
    Many transfers through Wise are processed quickly, often within a few hours or a day, depending on the destination country and payment method.
  • Multi-Currency Accounts
    Users can hold and manage money in multiple currencies with Wise's Borderless Account, making it easier for those who deal with international payments regularly.
  • Transparent Pricing
    Wise is upfront about their fees and the total cost of a transfer, so users know exactly how much they'll pay and how much the recipient will receive.
  • User-Friendly Interface
    Wise offers a clean and intuitive application and web interface, making it easy for users to navigate and complete transactions.

Possible disadvantages of Wise

  • Limited Customer Support
    Wise's customer support is primarily online, and some users report difficulties in reaching live assistance or having slow response times.
  • Transfer Limits
    There are limits on how much money can be transferred in a single transaction or over a period of time, which might be restrictive for some users.
  • Lack of Physical Locations
    Unlike traditional banks, Wise doesn't have physical branches, which can be an inconvenience for those who prefer in-person banking services.
  • Verification Process
    New users or those making large transfers may have to go through a lengthy verification process, which can delay the initial transaction.
  • Not Available in All Countries
    Wise does not operate in every country, limiting its accessibility for some users looking to send or receive international payments.
  • Occasional Delays
    While generally fast, some transfers may experience delays due to various factors, such as banking hours, holiday schedules, or compliance checks.

Neolink.io features and specs

  • White-label support
    Branded merchant portals, customizable interfaces
  • Automated KYC & AML
    Built-in onboarding flows with compliance automation
  • PCI DSS Level 1 Hosting
    Fully secure cloud infrastructure for acquiring services
  • RESTful API
    Seamless integration with external services and providers
  • Multi-currency support
    Accept payments in 100+ currencies globally
  • High-risk payment support
    Designed to handle regulated and complex verticals

Analysis of Wise

Overall verdict

  • Overall, Wise is highly regarded as one of the top options for international money transfers. It is praised for its transparency, cost-effectiveness, and ease of use, making it a preferred choice for many users.

Why this product is good

  • Wise is considered a reliable and efficient service for international money transfers due to its transparent fee structure and competitive exchange rates. The platform uses a mid-market exchange rate with no hidden fees, making it a popular choice for individuals and businesses looking to transfer money across borders. Additionally, Wise is known for its user-friendly interface and fast transfer speeds.

Recommended for

  • Individuals needing to send money abroad frequently.
  • Expats living in foreign countries who need to transfer money to home accounts.
  • Freelancers and remote workers receiving payments from international clients.
  • Businesses conducting international transactions.

Wise videos

TransferWise Review - 3 Must Knows (2020)

More videos:

  • Review - TransferWise in detail
  • Review - Transferwise Review

Neolink.io videos

No Neolink.io videos yet. You could help us improve this page by suggesting one.

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Category Popularity

0-100% (relative to Wise and Neolink.io)
Online Payments
100 100%
0% 0
Payment Gateways
0 0%
100% 100
Money Transfer
100 100%
0% 0
Payments Processing
0 0%
100% 100

Questions and Answers

As answered by people managing Wise and Neolink.io.

What makes your product unique?

Neolink.io's answer:

Neolink combines a white-label acquiring platform with built-in compliance, onboarding automation, and fully managed infrastructure. Clients don’t just get software — they get a ready-to-use ecosystem that shortens time-to-market and reduces operational complexity. The platform is scalable, modular, and fully hosted in a PCI DSS certified environment.

Why should a person choose your product over its competitors?

Neolink.io's answer:

Neolink is ideal for payment service providers and acquirers that want to launch fast and operate under their own brand. Unlike platforms that offer software only, Neolink includes hosting, updates, and business-side support — making it easier to focus on growth, not infrastructure. There’s no vendor lock-in, and the system is flexible enough to fit both startups and established institutions.

How would you describe your primary audience?

Neolink.io's answer:

Our primary audience includes:

  • Licensed payment institutions
  • PSPs launching their own acquiring stack
  • Acquiring banks expanding into new markets
  • Fintech startups building payment infrastructure We work with clients at various stages — from MVP to full-scale acquirer.

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Wise and Neolink.io

Wise Reviews

6 Cheaper Payoneer Alternatives for Your Online Transcations
Wise is a well-known alternative to traditional banking and offers competitive rates for international money transfers. It operates on a peer-to-peer system, ensuring low fees by matching individuals who want to exchange currency in different countries.
Top 5 Payoneer Alternatives [2024]
Wise offers fast, convenient transfers with transparent fees based on mid-market exchange rates, as well as a multi-currency account for both individual and business customers. While Wise offers several tools for business customers, such as expense cards, it is not as extensive as those offered by Payoneer. On the other hand, Payoneer’s fee structure is only transparent on...
Source: www.exiap.com
Top 5 Payoneer Alternatives for Seamless Online Transactions
Both offer global transactions, but Wise shines with competitive exchange rates and transparent fees, while Payoneer focuses on receiving payments with features like virtual cards. Choose Wise for cost-effectiveness, Payoneer for easy receiving.
Source: www.doola.com
Best money transfer apps of 2021
TransferWise does also offer Business pricing, which adds in extra features that are free, including the ability to receive money in EUR, USD, GBP, PLN, AUD and NZD currencies without charge. However, this comes with a 0.33%-3.56% fee to convert currencies. The supporting TransferWise debit Mastercard comes free too, with the same currency conversion fee of 0.33%-3.56% plus...
Top 7 Wise Alternatives
Wise’s Multi Currency Account (review) and associated Wise card (review) (which works great as a travel money card) are especially useful to expats who need banking features in a new country to pay rent, buy groceries, or receive money like a local (Wise offers international bank details in 10 currencies).
Source: transumo.com

Neolink.io Reviews

We have no reviews of Neolink.io yet.
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Social recommendations and mentions

Based on our record, Wise seems to be more popular. It has been mentiond 24 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Wise mentions (24)

  • Which bank in vietnam have the lowest fee for overseas remittance?
    I don't think you need to be a holder of both. I put my mom on my Wells Fargo account and she sent to my account. There is also https://wise.com/us/ . This one I have used to send to someones account in Vietnam. It does have slightly higher fee. But it goes straight into their account. From Wells Fargo I would have to go and get USD then exchange it to Vietnamese currency. Source: almost 2 years ago
  • We are happy to welcome you to Auction 88 — Coins of The World.
    They invoice in Euros (Czech Republic) so also be aware of fees on payments. I've successfully used TransferWise (https://wise.com/us/). Source: almost 2 years ago
  • Recommend me a first credit card with 0 foreign tx fee
    It's not a credit card. It's just a way to convert currency w/o a fee. https://wise.com/us/. Source: about 2 years ago
  • Renting an apartment without a US Bank account?
    Get a Wise account. Open one in your local currency, and one in US currency. I was doing that for the first few months. Source: over 2 years ago
  • My New Client Is Asking Me For My Bank Info
    I’ve used Wise for bank payments from international clients before: https://wise.com/us/ that way you’re not giving them your actual bank info but the process is similar on the client’s end. Source: over 2 years ago
View more

Neolink.io mentions (0)

We have not tracked any mentions of Neolink.io yet. Tracking of Neolink.io recommendations started around Apr 2025.

What are some alternatives?

When comparing Wise and Neolink.io, you can also consider the following products

Bill.com - Your financial operations platform. The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow—all on one platform.

Corefy - Payment Orchestration Platform — Integrating payment providers and acquirers globally to bring a unified communication, control, and management interface.

Zoho Invoice - 100% free online invoicing software for small businesses.

Boxopay - Launch, control, and scale your bank, PSP, or BaaS API platform with a white-label payment platform.

The Invoice Machine - The Invoice Machine is an online invoicing service with a simple and elegant user interface.

UniPayGateway - Ultimate payment gateway software for merchants, ISOs and PSPs. Full range of payment gateway capabilities. Functionality rich open source payment system.