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Considering that I can send money directly through a bank, why do I need a payment system?
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When using a bank card to send money to Australia, you automatically use a partner payment processor like Visa, MasterCard, or Wise. Therefore, it makes no difference if you join with Wise and use a payment system account or if you use Wise to pay from a bank account. Only commissions and other features—which you may access through your own account—are different.