BEST WISE ALTERNATIVE FOR PAYOUTS
Built for platforms that have outgrown “basic”
Wise works for consumer FX and simple bank transfers, but fast-growing platforms need more. Trolley helps businesses streamline global payouts, automate workflows, and stay compliant with local and international regulations.
- Send payouts the way your recipients prefer, including direct-to-bank transfers, PayPal, e-wallets, and checks, across 210+ countries and territories.
- Automate tax compliance by collecting tax forms, generating Forms 1099, 1042-S, and DAC7 reports, and handling year-end filing with no manual work.
- Customize your risk management and verification flows tailored to your policies.
Book a 30-min Trolley demo
Trusted by industry leaders—billions paid to over 5 million recipients
The payouts experience: Wise vs. Trolley
Where Wise falls short:
- Batch payouts capped at 1,000 recipients per upload, making high-volume operations difficult.
- Limited global coverage, with payouts restricted to ~73 countries and 40 currencies.
- Narrow focus on bank-only payout methods—no PayPal, e-wallets, push-to-card, or checks.
With Trolley, you can:
- Scale without limits by processing up to 20,000 payouts in a single batch.
- Expand your global reach by sending payouts to 210+ countries and territories in 135+ currencies.
- Offer true flexibility with multiple payout methods, including bank transfers, PayPal, e-wallets, and checks.
Make the right choice for global payouts
What you’ll take away:
- Understand and overcome the challenges of global payouts
- Evaluate modern payout platform capabilities
- Avoid compliance and tax pitfalls
- Align finance, product, engineering, and legal teams
- Compare platforms with a checklist of must-haves
End-of-year tax handling: Wise vs. Trolley
Where Wise falls short:
- Manual US tax compliance burden, with no built-in system for collection, validation, or year-end reporting.
- No digital platform reporting—DAC7, OECD, and other regional filings must be managed manually.
- Time-consuming tax compliance operations due to a lack of integrated workflows.
With Trolley, you can:
- Ensure full US tax compliance—apply withholding at payout, and generate and e-file Forms 1099s and 1042-S directly.
- Stay compliant worldwide with automated DAC7 and OECD reporting.
- Save time by linking tax reporting and compliance directly to your payouts through integrated workflows.
Risk management capabilities: Wise vs. Trolley
Where Wise falls short:
- "Not recognizing my ID even though I've uploaded three different forms of ID." (Trustpilot)
- Standard, “black box” fraud checks with limited visibility or customizable recipient verification.
- Only baseline AML/CTF compliance, limited to Wise’s own regulatory obligations.
With Trolley, you can:
- Verify recipients with advanced IDV, KYC, and KYB tailored to regional requirements, ensuring compliance without payout delays.
- Build custom risk-based compliance flows, defining exactly what information is required from each recipient.
- Utilize built-in tools for INFORM Act, DSA, and global AML/CTF management.
Wise vs. Trolley feature comparison
Trolley
Wise
Pay:
Global payout reach
210+ countries & territories
~70 countries
Currency support
135+ currencies
~40 currencies
Payout methods
Supports wallets like PayPal, Venmo, and other virtual accounts
Does not support wallets and virtual accounts
Batch payments
20,000+ payments
~1000 limit
Tax:
IRS tax for US-sourced payouts
Native support
Digital platform reporting
EU, UK, CA, AU, NZ
Year-end reporting
Supports 1099s, 1042-S, DAC7
Trust:
Regional risk screening
200+ countries & territories
Limited
Identity & business verification
Fully customizable
Risk monitoring
Risk-based workflows
Compliance automation
Built-in INFORM Act, DSA, AML/CTF tools
Basic AML/OFAC screening
Sync:
Data connectors
Direct integrations
Limited—requires custom build via API
Recipient management
Recipient ownership & UX
Language support
36
15
Customer support
Excellent
Fragmented
API:
Custom workflows
Fully flexible
Limited to payouts only
Webhooks
Limited
REST API
Limited
SDK availability
6 SDKs
3 SDKs
Looking to go beyond Wise’s rigid limits and fragmented workflows?
FAQs about Wise vs Trolley
How do Trolley and Wise compare on pricing?
With Wise, pricing varies by route, method, and currency. While Wise is transparent on FX rates, businesses often face hidden costs like recipient-side fees and volume markups that make scaling unpredictable.
With Trolley, payouts start at $49/month. This includes customization features like white-labeling. Pricing is clear and usage-based, allowing for predictable, flexible fees. Start with a free trial and test in a forever-free sandbox.
What’s the #1 reason businesses choose Trolley over Wise?
Businesses switch for scaling and compliance.
Trolley goes beyond Wise with broader payout methods, global tax automation, and customizable risk controls—all fully white-labeled.
Which countries and currencies do you support?
Trolley supports payouts to 210+ countries & territories and 135+ local currencies.
What kind of companies/industries use Trolley?
Any business that pays global individuals at scale. Most of our customers are creator economy platforms, like:
- Music and streaming royalties (e.g. Soundcloud, Bandcamp, CD Baby)
- Freelance platforms and expert networks (e.g. Bugcrowd, Storetasker)
- Ad networks, publishers and affiliate platforms (e.g. NitroPay)
- Creator and influencer platforms (e.g. Canva, Envato)
- Marketplaces and online retailers (e.g. ArtStation)
- Video games and eSports (e.g. Nexus)
How secure is Trolley? How long have you been around?
Trolley was founded in 2015 and we’ve since processed billions in payouts to over 5 million individuals across 210+ countries and territories.
Trolley is PCI-DSS Level 1 compliant. More security details:
- Hosted on AWS (SOC 1, 2, & 3 + ISO 27001/27018).
- End-to-end 256-bit SSL bank-level security.
- Mandatory 2FA.
- Compliant with GDPR, CCPA,
- PIPEDA, DPA and the EU-U.S.
- Privacy Shield Framework.
How easy is it to reconcile payouts and taxes with our GL?
Trolley automatically tracks every payout, fee, and tax event, which directly syncs with your general ledger.
You can also automate reconciliation by integrating Trolley with your accounting system (like QuickBooks). Or build your own sync using Trolley’s API.
What’s your customer support like?
We offer quick support via phone, email, in-product chat and product documentation.
Customers rate Trolley’s quality of support higher on G2:
- Trolley = 9.4 out of 10
- Wise = 7.0 out of 10
Trolley’s customer support offers one of the best response times across global fintech systems.
Here’s what customers say:
“We were trying to track down a payment that went to a closed bank account for a client. The client’s bank kept telling them they had rejected the payment. Trolley’s associate helped us contact the bank and get the money back and into the proper account. Lifesaver!”
– Beth W., Head of Vendor Partnerships (Source)
“I don’t think we waited more than 6 hours on any email we sent to the Trolley team ever. The quality and speed of support are unlike any other financial system provider we’ve worked with.”
– Sam Wilcoxon, CEO of Storetasker (Full success story here)
“The live chat saves me so much headache. Being able to log on and have a friendly person there and answering questions is invaluable; just knowing someone is working on it helps me with my workflow. Plus, I appreciate that that line of communication is kept open – in fact, I even got to know some of Trolley’s Customer Support Team by name!”
– Ted Jackson, Operations Manager at Multilingual Connections (Full success story here)
“Our customers are directed to the right screens when they needs support via Trolley’s chat option.”
– Shivang Shekhar, Product Manager at egen.ai (Source)
“Using the help chat and the support team at Trolley, I got very quick, live responses, and they continue to support us when any questions arise.”
– Nelson Truong, Product Manager at Draft (Full success story here)
Move to Trolley in 3 clear steps
Step 1: Test out our free sandbox
Access help guides, REST API and SDK documentation. Create recipients, run payments and test tax workflows – without using live money.
Step 2: Import your payout data
Use API or CSV upload to import payee details and past payouts. Trolley will check for any invalid data, e.g. faulty tax forms.
Step 3: Start sending compliant payouts
Set up integrations and role-based access. You can roll out Trolley in gradual phases or make a full migration – whatever you prefer.
Trolley is rated higher than Wise on:
How does Trolley stack up to Wise?
With Trolley you get more:
- Wider global reach — payouts to 210+ countries and territories in 135+ currencies.
- Built-in tax compliance — automate W-8/W-9 collection, withholding, and year-end reporting (1099, 1042-S, DAC7, etc.).
- High-volume capacity — process up to 20,000 payouts in one batch.
- White-labeled recipient experience — branded portals, emails, and receipts.
- Flexible payout choices — not just bank transfers: also PayPal, cards, e-wallets, and checks.
- Predictable pricing — clear, usage-based fees with no FX markups or hidden recipient-side charges.
- Enterprise-grade support — dedicated success teams plus self-serve recipient portals.
We can show you Trolley’s workflows and customize a quote for you. Let’s hop on a 30-min call – walk away with more clarity on your steps forward.
