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Comparaison de plateformes
Wise Platform offers global accounts infrastructure through a partnership model. HeyQo provides card issuing plus USD virtual accounts with API-first onboarding for fintechs building their own customer-facing products.
Wise Platform APIs exist for banks and large partners, but access is partner-only with commercial negotiation, compliance workshops, and go-live support measured in weeks or months.
HeyQo targets growing fintechs and PSPs that need programmatic card issuance — not just treasury for their own business account. Our REST API covers customer onboarding, KYC fields, card lifecycle, and USD receiving accounts.
For teams comparing Wise Platform vs a dedicated card issuing stack, evaluate whether you need embeddable cards for end-users or primarily FX/treasury rails.
Side-by-side comparison on API access, white-label cards, USD accounts, sandbox, and regional support.
| Critères | HeyQo | Wise Platform |
|---|---|---|
| Public B2B / card issuing API for fintechs | Oui — partenariat ouvert Onboarding dédié pour fintechs et PSP | Partenaires uniquement Wise Platform APIs; partnership application required |
| White-label Visa & Mastercard programs | Oui Issue cards under your brand via REST API | Not primary focus Wise excels at FX rails; card embed is partner-specific |
| Virtual USD accounts | Oui USD receiving accounts with webhooks | Varies Not always available for embed partners |
| Sandbox / developer access | Yes — on request Sandbox keys via merchant portal | Varies May require partnership before sandbox |
| Caribbean & emerging markets focus | Oui Built for Haiti, Caribbean & Africa fintechs | Often US/EU-centric Regional support varies — check provider docs |
| Délai d'intégration | Jours à semaines REST API + technical onboarding | Semaines à mois Dedicated partner team & compliance workshops |
HeyQo is API-first for embedding cards and USD accounts in your app. Wise Platform is typically chosen by larger institutions for multi-currency infrastructure partnerships.
Yes. Virtual USD account details can be provisioned per customer with webhook notifications on credits and debits.
Get sandbox API keys from the HeyQo merchant portal and start building with our REST API.
Lancez votre programme cartes — Sandbox HeyQoDivulgation réglementaire
HeyQo est une plateforme de technologie financière qui collabore avec des institutions financières réglementées, des prestataires de services de paiement agréés, des émetteurs de cartes et des partenaires technologiques. HeyQo n’est pas une banque ni un prestataire de services de paiement agréé, sauf mention expresse pour un produit et une juridiction donnés. Certains services financiers disponibles via HeyQo sont fournis par des institutions tierces réglementées. L’institution responsable de chaque service est identifiée dans la documentation et les conditions produit applicables.
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