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 updated terms now authorize Wise to accept incoming funds via FedNow, a new instant payment service. The agreement states that FedNow transactions are processed in real time and generally cannot be canceled or reversed once completed, distinguishing them from traditional transfers that may have reversal windows. The terms also establish that Wise may decline any incoming FedNow transaction at its discretion where required for security, compliance, or operational reasons, without specifying advance notice or appeal procedures. Users receiving FedNow payments should understand that such transfers become final immediately upon completion.
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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.
"For all other transactions, you have up to 60 days to report an error. The 60 days start from whichever happened first: the first day you could see the error in your online account history, or the day we sent the first written statement that shows the error.Excerpt from Wise's Terms of Use
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The clause states: “For all other transactions, you have up to 60 days to report an error. The 60 days start from whichever happened first: the first day you could see the error in your online account history, or the day we sent the first written statement that shows the error.”
ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.
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