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Accounting · head to head

Happay vs Wise Business

Happay logo

Happay

Accounting

Indian travel, expense and corporate card platform, now owned by MakeMyTrip

From
On request
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Happay covers GST-aware capture, Wise Business covers Multi-currency accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Happay and Wise Business actually diverge.

Attributes where Happay and Wise Business differ
AttributeHappayWise Business
Starting priceOn request$29/month
Pricing modelquoteusage-based
PlatformsWeb, iOS, AndroidWeb, Ios, Android, Api
FoundedUnknown2011

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Happay

  • GST-aware capture
  • Corporate cards
  • Self-booking travel
  • Cash advances
  • Approval matrix
  • Analytics

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

What people use each for

The jobs each tool is most often brought in to do.

Happay

  • An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot Wise Business
  • A company with field sales staff needing rupee prepaid cards with merchant category limitsnot Wise Business
  • A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot Wise Business
  • An Indian group wanting travel booking and expense from one supplier with domestic content depthnot Wise Business

Wise Business

  • Holding and converting multiple currencies as a businessnot Happay
  • Paying international suppliers and contractors at the mid market ratenot Happay
  • Receiving payments into local currency account details in several countriesnot Happay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Happay

  • The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
  • It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
  • Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
  • Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
  • Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

Happay

On request
  • Happay$undefined/year
    • Quoted per-user or per-transaction subscription
    • Card programme terms set with the partner bank
    • Travel booking fees separate from expense subscription

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

Which should you pick?

Choose Happay if

  • You need gst-aware capture.
  • You work on Web, iOS, Android.
  • You also want corporate cards.
Happay review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Happay or Wise Business better?
Neither clearly leads. Happay starts at On request and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Happay or Wise Business?
Happay starts at On request and Wise Business at $29/month.
Does Happay or Wise Business run on more platforms?
Happay runs on Web, iOS, Android. Wise Business runs on Web, Ios, Android, Api.
What is Happay best used for?
Happay is most often used for an indian enterprise needing gst input credit fields captured at the point of expense submission, a company with field sales staff needing rupee prepaid cards with merchant category limits, a finance team replacing a spreadsheet-and-email cash advance process with a tracked workflow, an indian group wanting travel booking and expense from one supplier with domestic content depth. Of those, an indian enterprise needing gst input credit fields captured at the point of expense submission and a company with field sales staff needing rupee prepaid cards with merchant category limits are not what Wise Business is typically brought in for.
What can Happay do that Wise Business cannot?
Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.

Answered from the vendors’ own pages

Happay: Who owns Happay now?

MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.

Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

Source
Happay: Can it be used outside India?

It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.

Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

Source
Happay: Does Happay issue its own cards?

It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.

Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

Source
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