The short answer
A debit displaying CKO * WISE PAYMENTS represents a debit or credit card payment used to fund an international money transfer or multi-currency balance reload on Wise (formerly TransferWise) via Checkout.com.
Recognizing Wise International Transfer Charges
If you see CKO * WISE PAYMENTS on your bank or credit card statement, this is a payment processed by Checkout.com on behalf of Wise US Inc — the company behind the Wise international money transfer and multi-currency account platform. Wise (formerly TransferWise) lets you send money abroad at the mid-market exchange rate with a small transparent fee, and you can fund those transfers directly from your debit or credit card. Checkout.com is Wise's card payment processor, and it attaches the CKO * prefix to every card-funded Wise transaction before the descriptor hits your statement.
This charge appears when you send money to a recipient in another country, add funds to your Wise multi-currency balance, pay an overseas invoice, or reload a Wise travel card. The amount on your statement will match your transfer amount plus any applicable Wise conversion or card-funding fee. Wise charges a slightly higher fee for card payments versus bank transfers, so the total debit is often a few dollars above the core send amount.
To confirm this charge is yours, sign in at wise.com or open the Wise mobile app and review your activity feed. Each transfer shows the recipient, currency, exchange rate, and exact fee breakdown. If you do not recognize the transaction at all, check whether a family member or colleague has access to your card. You can cancel a Wise transfer in the app as long as the money has not been converted and paid out to the recipient bank — cancelled card-funded transfers typically refund within 2 to 5 business days. For further help, visit the Wise Help Center at wise.com/help/.
- Funding an international money transfer sent to a friend, family member, or vendor abroad
- Adding funds to your Wise multi-currency digital account or travel card
- Paying an international tuition or overseas real estate deposit via Wise
Verifying Wise Transfer Receipts and Tracking
Every Wise transfer generates a detailed receipt with a unique reference number. Open your activity feed in the Wise app and tap the transaction to download an official PDF receipt, which includes recipient details, exchange rate, fee, and timestamp — useful if your card issuer requests documentation for a dispute.
- Sign in to wise.com or open the Wise mobile app.
- Open your activity feed to view the specific transfer and recipient details.
- Confirm that the card debit matches your transfer amount plus Wise conversion fee.
- Download an official PDF transfer receipt from the Wise transaction details menu.
Frequently Asked Questions
Why did Wise bill my card under CKO *?
Wise partners with Checkout.com for rapid debit card processing, which attaches the CKO * prefix to statement descriptions.
Can I cancel a Wise transfer that was funded by card?
You can cancel a transfer in the Wise app if the money has not yet been converted and paid out to the recipient bank account.
Part of a family
CKO * WISE PAYMENTS is one of the CKO* Checkout.com global payment charges lines — see the whole family decoded.
Independent reference — not affiliated with Wise. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Wise Payment Methods and Card Processing Help https://wise.com/help/
- Checkout.com Global Cross-Border Payments https://www.checkout.com
Reviewed Sep 11, 2026 · high · About UnknownCharges