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Wise Payments Limited
Companies House 07209813, incorporated March 2010
657banking decisions
23.1%uphold rate
505not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| APP scam refund refused | 482 | 116 | 24.1% |
| Account closed or refused | 95 | 13 | 13.7% |
| Complaint handling | 30 | 14 | 46.7% |
| Payment delayed or failed | 29 | 11 | 37.9% |
| Unauthorised transaction | 29 | 8 | 27.6% |
| Card dispute or chargeback | 25 | 2 | 8.0% |
| Funds blocked or frozen | 25 | 5 | 20.0% |
| Support for vulnerable customers | 17 | 1 | 5.9% |
| Service failure | 11 | 8 | 72.7% |
| Identity checks and access | 10 | 2 | 20.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 19.4% | — | — | 1,119 |
| FOS | 2025-H1 | 24.5% | — | — | 651 |
| FOS | 2024-H2 | 30.0% | — | — | 943 |
| FOS | 2024-H1 | 39.1% | — | — | 1,218 |
| FOS | 2023-H2 | 39.6% | — | — | 527 |
| FOS | 2023-H1 | 32.1% | — | — | 368 |
| FOS | 2022-H2 | 26.7% | — | — | 232 |
| FOS | 2022-H1 | 21.3% | — | — | 174 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.