Payconiq
6.0#78 in money transfer appsAndroidiOSAPI
VisitPayconiq vs Wise
What both publish
| Fact | Payconiq | Wise |
|---|---|---|
| Founded | 2006 | 2011 |
| Free plan | Yes | Yes |
| Headquarters | 9-11 rue Joseph Junck, L-1839 Luxembourg, Luxembourg | London, United Kingdom |
| Integrations | The maker says Payconiq works with e-commerce plugins but does not name them on the page; its point-of-sale page also describes integration with POS systems. | Wise says it has partnered with companies including Monzo, Bolt, and GoCardless to provide their customers international banking services. |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Recipient methods | bank | bank |
| Regulatory status | Payconiq International SA says it is authorized as a Luxembourg payment institution and supervised by the CSSF. | Wise says it is licensed in most states and regulated by authorities worldwide. |
| Security | Payconiq describes itself as a banking service that meets high security and encryption standards. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | The maker directs consumers to their bank for general information and activation help, and says Buckaroo is the primary merchant-services contact during and after the transition. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer tracking | Yes | The app shows the list and current status of transfers users have set up. |
Payconiq plans
- Payconiq for merchantsPriced on request
Wise plans
- Wise personal account and transfersFree
Pick Payconiq if…
You want what its maker publishes above — check its page for the details.
Pick Wise if…
Wise suits people sending money to overseas bank accounts or receiving payments from abroad. It may also suit users who want to track or schedule transfers and receive exchange-rate alerts.