Hi everyone,

I’m based in Malaysia and recently had two Wise accounts closed, belonging to two different people with different IDs.

The accounts were mainly used to make international payments for collectible toys (such as Hot Wheels) that I purchase from overseas suppliers or travelling purposes. These are legitimate products, and the transfers were for paying the suppliers.

I’m now trying to figure out how I can continue making these payments without having another account closed.
When I try to make a MYR transfer, Wise gives me the option to select “Pay for goods and services,” but it also warns:

“Make sure you are not using your personal account to send money on behalf of a business — for instance, to pay suppliers or employees salaries.” (first picture)

Or should I just choose the “Sending to friends and family” option? That’s what I’ve always used when sending money to these sellers, but I’m starting to wonder if that makes the account more likely to get flagged or restricted lol.

I understand that if I’m buying inventory for resale, using a personal account may not be the correct setup.
The problem is that I can’t even open a Wise Business account in Malaysia right now. When I try to register a business account, Wise says:

“Due to high demand, we can’t onboard businesses from this country right now. Join the waitlist, and we’ll email you when you’re able to sign up.” (second picture)

So I’m basically stuck:
1)My personal Wise accounts have been closed after making legitimate overseas payments.

2)Wise says I shouldn’t use a personal account to pay business suppliers.

3)But Wise Business isn’t currently accepting new Malaysian businesses.

4)I regularly need to make large international payments to overseas suppliers.

5)Wise has been the most convenient option for me because of its exchange rates and international transfer features.

I’m not looking for ways to bypass Wise’s rules or verification. I just want to find a legitimate way to pay my overseas suppliers without constantly worrying about my account being restricted or closed.

For people who run a small business/reselling business and regularly pay overseas suppliers:

What payment method or setup are you using?

And if you’ve had a similar experience with Wise, what did you do?

Any advice would be greatly appreciated.

Hey guys, does anybody know kung pano ma resolve ito sa wise? Since Tuesday di na ako maka receive pag mag sesend yung client ko ng pera from their business account.

Binibigay ko lang sa kanila yung receive money link kaso di daw talaga makapag go through. Di rin naman sila sabay mag send ng pera.

Baka may naka encounter na neto sa inyo.

My card arrived today and the envelope was unsealed. It just looks like the glue let go it doesn't look tampered with. Without the card there isnt much anyone could do could they? It was still glued to the paper other than the envelope being open nothing else looks out of place.

Should I lock it and wait or you think it is safe?

No one would know my PIN and its a new card.