🤔Why do people look for Wise alternatives?
- ⚠️Not a payment processor – limited payment acceptance features
- ⚠️Account verification takes 1-10 business days
- ⚠️Requires registered business for business accounts
- ⚠️Card payment fees not competitive vs. dedicated processors
- ⚠️No automated recurring payments
- ⚠️Account freezes without warning – frequent complaint
What to look for in an alternative
💰
Transparent pricing
No hidden fees or surprises
⚡
Quick setup
How fast can you start
🛟
Good support
Quick help when you need it
#1 Recommendation
PayLinks
Simple payment links for everyone
Ideal for freelancers and small businesses who want to collect payments quickly, without complications. 30-second setup, no business registration required, no website needed.
2%
Fee
$0
Monthly fee
30s
Setup
Yes
No Business Req.
30 second setupNo business registration required - start as individualNo website or technical knowledge requiredAll payment methods: Card, Apple Pay, Google Pay, Revolut Pay
Other Wise Alternatives
Revolut
Banking for business
1% + 1.20 RON (consumer cards)
Fee
Included in Revolut Business plan
Monthly
Yes
Apple Pay
No
No Business
Excellent and modern appSuperior multi-currencyNot focused on payment links
Ideal for: Businesses with international transactionsCompare with PayLinks →
Stripe
Financial infrastructure for the internet
1.5% + 1 RON (standard SEE cards)
Fee
$0
Monthly
Yes
Apple Pay
No
No Business
Best API for developersExcellent documentation in EnglishHigher fees than local competitors
Ideal for: Tech startups with developer teamCompare with PayLinks →
NETOPIA
The largest payment processor in Romania
from 0.99% + 0.30 RON
Fee
Not publicly specified
Monthly
Yes
Apple Pay
No
No Business
Lowest fees in market (0.99%)Market leader - used by largest companiesEnterprise and large store oriented
Ideal for: Online stores with high volumesCompare with PayLinks →
PayU
Online payments for your business
0.99% + 0.3 RON
Fee
0 RON (becomes 25 RON from June 1, 2026)
Monthly
Yes
Apple Pay
No
No Business
Global presence in 50+ countriesBuy Now Pay Later (BNPL) availableMandatory monthly fee of 25 RON
Ideal for: Online stores with constant trafficCompare with PayLinks →
Quick Comparison
| Solution | Fee | Monthly | Setup | No Business |
|---|---|---|---|---|
| PayLinks | 2% | $0 | 30 seconds | ✓ |
| Wise | 1% – 2.9% (card payments) | $0 | Varies | ✗ |
| Revolut | 1% + 1.20 RON (consumer cards) | Included in Revolut Business plan | Varies | ✗ |
| Stripe | 1.5% + 1 RON (standard SEE cards) | $0 | Varies | ✗ |
| NETOPIA | from 0.99% + 0.30 RON | Not publicly specified | Varies | ✗ |
| PayU | 0.99% + 0.3 RON | 0 RON (becomes 25 RON from June 1, 2026) | Varies | ✗ |
Which alternative is right for you?
Choose PayLinks if:
- ✅Freelancers and solopreneurs
- ✅Individuals wanting to collect online
- ✅Private tutors and teachers
- ✅Trainers and coaches
Choose Revolut if:
- ☑️Businesses with international transactions
- ☑️Those wanting complete ecosystem (banking + payments)
- ☑️Digital nomads and international freelancers
Questions about Wise alternatives
It depends on your needs. PayLinks is ideal for freelancers and small businesses who want to collect payments simply, without a website. If you need advanced e-commerce integrations, consider Revolut.