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.
View change record →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.
If Stripe makes an Update available, User must implement it by the deadline stated in Stripe's notice. If no deadline is stated, then User must implement the Update within 30 days of the notice date.
Own or control the server and continue to do so for the whole time that you charge for access to it
"You must tell us about any unauthorized or incorrectly executed transactions immediately and no later than thirteen (13) months after the transaction date from when you become aware of the unauthorized transaction.Excerpt from Wise's Terms of Use
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The clause states: “You must tell us about any unauthorized or incorrectly executed transactions immediately and no later than thirteen (13) months after the transaction date from when you become aware of the unauthorized transaction.”
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