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Cybersecurity · head to head

Very Good Security vs Wise Business

Very Good Security logo

Very Good Security

Cybersecurity

Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope

From
$1000/month
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: Very Good Security vGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Very Good Security covers Aliasing proxy, Wise Business covers Multi-currency accounts.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Very Good Security and Wise Business actually diverge.

Attributes where Very Good Security and Wise Business differ
AttributeVery Good SecurityWise Business
Starting price$1000/month$29/month
Pricing modelPer monthusage-based
PlatformsWeb, APIWeb, Ios, Android, Api
CategoryCybersecurityAccounting
FoundedUnknown2011

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

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 Very Good Security

  • Aliasing proxy
  • PCI scope reduction
  • Network tokenisation
  • Processor optionality
  • Card issuing data
  • Vault and access controls
  • Data residency options
  • Compliance artefacts

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.

Very Good Security

  • A marketplace facing its first PCI DSS Level 1 assessment that wants to keep card data off its own estate rather than harden a dozen servicesnot Wise Business
  • A merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoreticalnot Wise Business
  • A fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by constructionnot Wise Business
  • A card issuer that must display a full PAN in its own mobile app without the app or its backend touching cardholder datanot Wise Business

Wise Business

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

Where each one falls short

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

Very Good Security

  • VGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • Token portability is the whole selling point yet leaving VGS means migrating tokens back out, a project the vendor has no incentive to streamline, so the lock-in you removed from your acquirer partly moves to VGS.
  • Entry pricing at around one thousand US dollars a month is real money for a pre-revenue fintech, and it buys volume-limited throughput, so cost scales with exactly the growth that made you buy it.
  • Scope reduction is not scope elimination: your QSA still assesses how you integrate, and teams regularly discover that a support tool or an internal admin screen pulled plaintext back in and dragged systems into scope again.
  • Proxy-based interception constrains how you design request flows, and non-standard payloads, streaming uploads or binary formats often need custom routing rules that make debugging production issues noticeably harder.

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

Very Good Security

$1000/month
  • Starter$1000/month
    • Aliasing proxy
    • Vault storage
    • PCI scope reduction
  • Growth$undefined/month
    • Network tokenisation
    • Multiple processors
    • Data residency options
  • Enterprise$undefined/year
    • Custom vault architecture
    • Dedicated support and SLA
    • Contractual compliance coverage

Wise Business

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

Which should you pick?

Choose Very Good Security if

  • You need aliasing proxy.
  • You work on Web, API.
  • You also want pci scope reduction.
Very Good Security 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 Very Good Security or Wise Business better?
Neither clearly leads. Very Good Security starts at $1000/month and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Very Good Security or Wise Business?
Very Good Security starts at $1000/month and Wise Business at $29/month.
Does Very Good Security or Wise Business run on more platforms?
Very Good Security runs on Web, API. Wise Business runs on Web, Ios, Android, Api.
What is Very Good Security best used for?
Very Good Security is most often used for a marketplace facing its first pci dss level 1 assessment that wants to keep card data off its own estate rather than harden a dozen services, a merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoretical, a fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by construction, a card issuer that must display a full pan in its own mobile app without the app or its backend touching cardholder data. Of those, a marketplace facing its first pci dss level 1 assessment that wants to keep card data off its own estate rather than harden a dozen services and a merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoretical are not what Wise Business is typically brought in for.
What can Very Good Security do that Wise Business cannot?
Very Good Security covers Aliasing proxy, PCI scope reduction, Network tokenisation, Processor optionality. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.

Answered from the vendors’ own pages

Very Good Security: Does VGS make me PCI compliant?

No. It removes cardholder data from your systems so your assessment covers a far smaller boundary, but you still complete an assessment and your integration is part of it.

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
Very Good Security: Can I move to another processor without re-collecting cards?

Yes, that is a core reason people buy it. The vault reveals stored credentials to whichever processor you route to.

Wise Business: Does Wise Business offer volume discounts?

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

Source
Very Good Security: What does it cost?

Published entry pricing is about one thousand US dollars per month; growth and enterprise tiers are quoted.

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
Very Good Security: Is it only for card data?

No. The proxy handles any sensitive field, including bank details, national identifiers and documents, though payments is where the product is now focused.

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