Why Is There Still No Wise Payment Gateway for WooCommerce?

In a recent Business Bloomer Club Slack thread, a question came up that many WooCommerce store owners might relate to: how is it possible that, in 2025, there is still no direct integration between WooCommerce and Wise (formerly TransferWise)?

For businesses selling high-ticket items, digital services, or working with international clients, Wise offers low-fee, real exchange rate bank transfers across borders—something PayPal and Stripe can’t compete with when it comes to cost.

The idea of letting a customer pay via Wise at checkout—ideally using a generated payment link—feels like a no-brainer. Yet this functionality still doesn’t exist in plugin form.

Sure, Wise offers APIs and manual tools to request payments, but there’s no smooth, automated workflow for WooCommerce.

This blog post explores the current limitations, outlines a potential workaround, and highlights why a Wise payment gateway could be a valuable addition for many WooCommerce stores focused on profitability and international reach.

Wise Is Not Just Another Bank

Wise has carved a niche by offering local bank details in multiple currencies and drastically reducing fees on international transfers. For many WooCommerce businesses, especially those selling high-ticket items globally, this could be a game-changer.

Instead of losing 2–5% to credit card fees or PayPal commissions, a Wise-to-Wise payment would incur a fraction of the cost. The value here is clear. And yet, the integration just… doesn’t exist.

What Would a Wise Gateway Look Like?

Imagine this: a customer selects “Pay via Wise” at checkout, and WooCommerce:

• Calculates the total
• Generates a Wise payment request link
• Redirects the customer to the Wise payment page
• Confirms payment via webhook or email
• Marks the order as “Processing” or “On Hold” until confirmed

Sounds ideal, right? Especially for B2B stores, freelancers billing via WooCommerce, or anyone selling in the €500+ range where transaction fees really sting.

The Missing Plugin

To date, there’s no official or third-party plugin that bridges WooCommerce with the Wise API or payment link system. Wise, to their credit, does offer an API for business accounts and a payment request tool, which means the tech is there.

But building a proper integration requires someone to:

• Authenticate with the Wise API
• Generate a unique payment link for each WooCommerce order
• Store it securely in the order meta
• Redirect the customer or embed the link in the “Thank You” page/email
• Optionally, use Wise’s webhook system to confirm receipt of funds

That’s no small task—but it’s entirely possible.

A Temporary Workaround

Until such a plugin exists, there’s a manual workaround:

1. Use Wise Payment Links Manually
   Log into Wise, create a “Request Money” link, and email it to the customer.
2. Custom Payment Method in WooCommerce
   Add a custom “Pay with Wise” method in your checkout. Use the order total and customer details to generate a basic Wise link (if possible) and display it on the “Thank You” page.
3. Offline Confirmation
   You’ll need to manually check your Wise account for incoming payments and mark WooCommerce orders as paid. Not ideal, but workable for lower volume stores.

This approach still leaves much to be desired—but it’s a starting point.

Why Does This Matter?

For store owners who deal in digital services, international consulting, or custom goods, reducing payment friction and fees is essential. Wise is often faster, cheaper, and more transparent than traditional methods.

It’s time WooCommerce and Wise gave this use case the attention it deserves.

Final Thoughts

The lack of a Wise payment gateway for WooCommerce is a missed opportunity. The building blocks are there: an API, a loyal user base, and a clear benefit. Whether it comes from Wise or a third-party developer, the demand exists.

Until then, a custom solution—however clunky—may be your best bet. If you’re a developer looking for your next plugin idea, this one has legs.