Papaya Global

Papaya Global offers a SaaS platform for global payments, primarily targeting businesses for workforce payments (employees, contractors, freelancers). While it facilitates cross-border payments and emphasizes transparency in fees, it doesn't explicitly mention 'mid-market exchange rate transfers' or a 'borderless debit card' for individual use, which are key 'must-have' features for Wise. However, it does offer multi-currency accounts (virtual IBANs), fast transfers, transparent fees, batch payments, API integration, business account features, and regulatory compliance, aligning with several 'must-have' and 'other' features.