“Pay-outs, currency conversions, Card, or other transactions executed by us are final and irrevocable once you request them, unless otherwise provided in this Agreement or pursuant to applicable law.”
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
The finality rule means customers generally cannot cancel or reverse a transaction after requesting it, subject only to exceptions in the Agreement or law.
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 cannot unilaterally reverse or cancel transactions once requested, except where the Agreement or applicable law explicitly permits it.
How other platforms handle this
You must confirm any transaction...attempted online before relying on it being completed. It is your responsibility to verify the status of any attempted transaction by reviewing your accounts or contacting SoFi Customer Support.
To the extent that any provisions in the Business Terms of Service conflict with these Terms, the Business Terms of Service shall govern to the extent of the conflict.
Regardless of who terminates these Terms, both you and Snap continue to be bound by Sections 2, 3 (to the extent any additional terms and conditions would, by their terms, survive), and 6 - 25 of the Terms.
"Pay-outs, currency conversions, Card, or other transactions executed by us are final and irrevocable once you request them, unless otherwise provided in this Agreement or pursuant to applicable law.Excerpt from Wise's Terms of Use (Superseded URL)
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The finality rule means customers generally cannot cancel or reverse a transaction after requesting it, subject only to exceptions in the Agreement or law.
Customers cannot unilaterally reverse or cancel transactions once requested, except where the Agreement or applicable law explicitly permits it.
ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.