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 return the item to Ledger... without undue delay and in any event no later than fourteen days after you have let Ledger know of your decision to withdraw from this agreement.
Upon verification that Buyer has picked up the purchased Item within five (5) days from the date the purchased Item is made available for pickup, the Shipping Fee will be refunded to Buyer within a reasonable time period.
If we cancel all or part of an order that we've already charged you for, we'll refund you the full amount of the canceled portion of the order.
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"We will issue a refund within three Business Days of receiving your request, provided that the funds have not been picked up by the designated recipient prior to our receipt of your request for a refund.— Excerpt from Wise's Wise Terms of Use
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The clause states: “We will issue a refund within three Business Days of receiving your request, provided that the funds have not been picked up by the designated recipient prior to our receipt of your request for a refund.”
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