Businesses Wise won't support — and who will
Wise's Acceptable Use Policy lists categories it does not support and will decline. If you were turned away, it's a category decision — here's where each high-risk business can process compliantly instead.
Sourced from Wise's published Acceptable Use Policy, last updated 2026-03-25.
Verify on WiseWhat Wise restricts — and where it belongs
Each category below is one Wise bars or gates. All of them are businesses Spectrum ePay underwrites.
Why Wise declines these businesses
Wise is built for cross-border transfers and multi-currency accounts, not for acquiring high-risk card payments. Its Acceptable Use Policy simply declines the categories that carry chargeback and regulatory exposure — so the answer isn't a workaround on Wise, it's a merchant account built to underwrite the risk.
Spectrum ePay underwrites this to a dedicated high-risk merchant account — 90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe.
Merchant accounts we underwrite
If your business is in one of these categories, the Wise decision was a category decision — not a decision about your business.
Frequently asked questions
Can I take business card payments on Wise for a high-risk business?
Wise's Acceptable Use Policy declines the high-risk categories above, and Wise is designed for transfers and multi-currency accounts rather than card acquiring. A dedicated merchant account is what actually lets you accept cards in these verticals.
Does Wise support forex or CFD businesses?
No — binary options and FX/CFD/options trading platforms are listed as unsupported. Spectrum ePay underwrites compliant forex merchants to a dedicated account.
What's the Wise alternative for accepting high-risk payments?
Spectrum ePay places the categories Wise declines — adult, CBD, supplements, gaming, forex and more — to dedicated high-risk merchant accounts with USD payouts and a modern hosted checkout.
Declined by Wise? Get approved instead.
90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe. Same-day integration, no contract, one flat rate.