Wise updated its Terms of Use on May 15, 2026 to add three new provisions governing FedNow instant payment transactions. The updated terms now state that Wise accounts can receive funds via FedNow, that FedNow transactions are processed in real time and generally cannot be canceled or reversed once completed, and that Wise may decline incoming FedNow transactions at its discretion for security, compliance, or operational reasons. Sending payments via FedNow is not currently available. These additions establish operational and procedural boundaries for a specific payment method without modifying broader settlement finality language.
The updated terms establish that Wise accounts may receive funds through FedNow, a real-time payment service operated by the Federal Reserve. Under these new provisions, once a FedNow transaction is completed, it generally cannot be canceled or reversed, which differs from some other payment methods that may offer reversal windows. The terms also authorize Wise to decline incoming FedNow transactions at its discretion if needed for security, compliance, or operational reasons. Sending payments via FedNow is not currently available.
Wise accounts may receive funds via FedNow, which cannot be canceled or reversed once completed.
Wise may decline incoming FedNow transactions at its discretion for security, compliance, or operational reasons.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Wise added three sentences describing FedNow support as of May 15, 2026. The change discloses that incoming FedNow transactions are irreversible once settled and that Wise retains discretionary authority to decline such transactions. This is …
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Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-002118.
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