GoCardless

GoCardless offers services for collecting recurring and one-off payments, including invoice payments, primarily through ACH Pull and bank debits. While it facilitates international payments and mentions using 'the real exchange rate (powered by Wise)', it does not offer a multi-currency account or a borderless debit card, which are core 'must-have' features for the Wise concept. It focuses on payment collection for businesses rather than personal international money transfers and multi-currency management as described for Wise. However, it does align with transparent fees, fast transfers, API integration, business account features (for payment collection), invoice payment collection, mobile app, regulatory compliance, and customer support.