This analysis describes what Wise's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
By contractually limiting chargeback use to two specific conditions, Wise restricts customers from pursuing chargebacks for reasons outside those two circumstances.
The updated terms extend the deadline for reporting transaction errors from 60 days to 120 days for all transactions except Send Money transfers. The 120-day period begins either from the first day you could see the error in your online account history or the day Wise sent the first written statement showing the error, whichever comes first. This change gives account holders twice as long to identify and report discrepancies before losing the right to dispute them.
View change record →Customers are contractually prohibited from exercising a chargeback except where Wise has breached the Agreement or where the payment was made without the customer's execution or authorization.
How other platforms handle this
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"you agree that you will only exercise this chargeback right if: (a) We have breached this Agreement; or (b) There was an unauthorized use of your Pay-in Method, meaning that you did not execute or authorize the payment.Excerpt from Wise's Terms of Use (Superseded URL)
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By contractually limiting chargeback use to two specific conditions, Wise restricts customers from pursuing chargebacks for reasons outside those two circumstances.
Customers are contractually prohibited from exercising a chargeback except where Wise has breached the Agreement or where the payment was made without the customer's execution or authorization.
ConductAtlas has identified this type of provision across 179 platforms. See the full comparison.
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