{"registry_version":"2026.1025.387","generated_at":"2026-10-25T06:27:00Z","content_sha256":"089d16f627d9365e3d0663cc8069203706d7cb23a76c332226e29686968811a5","signed":true,"signature":{"key_id":"ed25519:74ca19268e364242","algorithm":"ed25519","expires_at":"2026-11-24T06:27:09Z","expired":false,"manifest":"/registry/manifest.json"},"entry_sha256":"0f0776cf73e636e8d5e0586e7929f567ba9f833cf39f20d538163ddbf090cdb7","entry":{"id":"wise/business-api","name":"Wise Business API (personal API token)","vendor":"Wise","summary":"Verified Wise Business account plus a personal API token for automating your own payouts. Full platform access (OAuth client ID and secret) needs a partnership agreement with Wise.","aliases":["wise","transferwise","wise-api"],"category":"payments","group":"C","homepage":"https://wise.com/","docs":["https://docs.wise.com/guides/developer","https://docs.wise.com/guides/developer/auth-and-security/personal-api-token"],"status":"researched","last_verified":null,"last_researched":"2026-10-25","sources":[{"id":"personal-token","url":"https://docs.wise.com/guides/developer/auth-and-security/personal-api-token","title":"Wise Platform – Personal API tokens","accessed":"2026-10-25","supports":"How to create, use and revoke a personal API token; endpoint limits; funding and statements only supported for US, CA, AU, NZ, SG and MY accounts; token shown once; tokens stay active until revoked; production and sandbox base URLs","kind":"official"},{"id":"security-access","url":"https://docs.wise.com/guides/developer/auth-and-security","title":"Wise Platform – Security and access","accessed":"2026-10-25","supports":"OAuth 2.0 for partner accounts needs a partnership agreement and mTLS; partners get a client ID, client secret and Developer Hub access; personal tokens are for SMBs automating their own account","kind":"official"},{"id":"getting-started","url":"https://docs.wise.com/guides/developer","title":"Wise Platform – Getting started with Wise API","accessed":"2026-10-25","supports":"Client ID and secret are issued per environment during partner onboarding; Developer Hub URLs; personal-token accounts have no Developer Hub access; sandbox and production base URLs","kind":"official"},{"id":"environments","url":"https://docs.wise.com/guides/developer/environments","title":"Wise Platform – Sandbox and Production environments","accessed":"2026-10-25","supports":"Sandbox UI and API URLs; sandbox has no real money and only test data should be used","kind":"official"},{"id":"sca","url":"https://docs.wise.com/guides/developer/auth-and-security/sca-and-2fa","title":"Wise Platform – Strong Customer Authentication & 2FA","accessed":"2026-10-25","supports":"SCA is a PSD2 requirement; funding from a multi-currency account or retrieving a statement needs SCA in the UK and EEA; SCA applies to profiles outside US, AU, NZ, SG, CA, MY; 403 on SCA-protected endpoints","kind":"official"},{"id":"help-api","url":"https://wise.com/help/articles/2958107/getting-started-with-the-api","title":"Wise Help Centre – Getting started with the API","accessed":"2026-10-25","supports":"Sandbox needs only an email and password, no verification, and is pre-funded with test credit; 2-step verification is required to create a token; not available in the app; new business accounts must be verified before going live","kind":"official"},{"id":"verify-business","url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified","title":"Wise Help Centre – How can I verify my business?","accessed":"2026-10-25","supports":"Sign-up details, one-time fee or first transfer triggers review, documents commonly requested, country-specific requirements, review usually up to 10 working days","kind":"official"},{"id":"eligibility","url":"https://wise.com/help/articles/2977974/can-my-business-use-wise","title":"Wise Help Centre – Can my business use Wise?","accessed":"2026-10-25","supports":"Supported and unsupported business types (trusts, UK limited partnerships, bearer shares, prohibited activities)","kind":"official"},{"id":"aup","url":"https://wise.com/gb/legal/acceptable-use-policy","title":"Wise – Acceptable Use Policy (UK, last updated 25 March 2026)","accessed":"2026-10-25","supports":"Restricted activities and unsupported businesses and transactions","kind":"official"},{"id":"pricing","url":"https://wise.com/gb/pricing/business","title":"Wise Business pricing (UK)","accessed":"2026-10-25","supports":"Free registration; 50 GBP set-up fee for all Wise Business features; send and convert fees from 0.24%","kind":"official"}],"allowed_domains":["wise.com","wise-sandbox.com","docs.wise.com"],"account_model":{"summary":"A personal API token belongs to one Wise Business account and acts on that account only. Partners building for their own customers use OAuth 2.0 client credentials issued by Wise instead.","accounts":[{"name":"Wise Business account","kind":"organisation","owned_by":"the business","required":true,"note":"Must be verified before going live with the API."},{"name":"Wise sandbox account","kind":"developer","owned_by":"the person","required":false,"note":"Separate account on wise-sandbox.com; email and password only, no verification."},{"name":"Wise Platform partner integration","kind":"developer","owned_by":"the business","required":false,"note":"Only with a partnership agreement; credentials are managed in Developer Hub."}],"notes":["Personal-token accounts do not get Developer Hub access.","Wise recommends separate credentials for sandbox and production."]},"prerequisites":[{"need":"A business type and country Wise supports","note":"Wise does not support some trusts, UK limited partnerships, businesses with bearer shares, or prohibited activities."},{"need":"2-step verification on the Wise account","note":"Required before a personal API token can be created."}],"have_ready":[{"kind":"company_documents","description":"Business registration number, registered and trading addresses, and details of directors and owners","why":"Wise collects these at sign-up and may ask for proof of registration, trading address and ownership documents.","needed_for":["business-account","verification"],"auto_check":"name_consistency","source":"verify-business"},{"kind":"government_id","description":"Photo ID for the account administrator and possibly other directors or owners","why":"Wise lists personal ID among the documents its verification team may ask for.","needed_for":["verification"],"auto_check":"none","source":"verify-business"},{"kind":"proof_of_address","description":"Recent utility bill, lease or bank statement for the trading address","why":"Wise may ask for proof of the trading address.","needed_for":["verification"],"auto_check":"none","source":"verify-business"},{"kind":"other","description":"Proof you may open the account if you are not a director (letter of authorisation, power of attorney or board resolution)","needed_for":["business-account"],"auto_check":"none","source":"verify-business"},{"kind":"payment_card","description":"A way to pay the one-time set-up fee, or money for a first transfer","why":"In some regions the fee is mandatory; paying it or funding a transfer triggers the main verification review.","needed_for":["verification"],"auto_check":"none","source":"verify-business"},{"kind":"phone_for_2fa","description":"A device for Wise 2-step verification","why":"You must have 2-step verification set up to create a token.","needed_for":["two-step","api-token"],"auto_check":"none","source":"help-api"}],"steps":[{"id":"sandbox-account","title":"Create a Wise sandbox account (optional)","summary":"You sign up on wise-sandbox.com with an email and password. No verification is needed and the sandbox comes with test credit. Use only test data there.","route":"guided","depends_on":[],"gate":"human_login","url":"https://wise-sandbox.com/","optional":true,"sources":["help-api","environments"]},{"id":"sandbox-token","title":"Create a sandbox API token (optional)","summary":"In the sandbox account settings, open API tokens and create a token for testing against api.wise-sandbox.com.","route":"guided","depends_on":["sandbox-account"],"gate":"human_submit","capture":{"env":"WISE_SANDBOX_API_TOKEN","kind":"token"},"optional":true,"sources":["help-api","personal-token"]},{"id":"business-account","title":"Open a Wise Business account","summary":"You register the business yourself and enter its registration number, addresses, industry, online presence and key people. verapli never creates the account for you.","route":"guided","depends_on":[],"gate":"human_submit","url":"https://wise.com/","sources":["verify-business","eligibility"]},{"id":"verification","title":"Get the business verified","summary":"Paying the one-time fee or setting up a first transfer triggers Wise's main review. Wise may email you for documents; upload them only through the link Wise sends or an official prompt in your account.","route":"guided","depends_on":["business-account"],"gate":"third_party_review","lead_time":{"official":{"text":"Review of extra information or documents usually takes up to 10 working days.","source":"verify-business"}},"recovery":[{"hiccup":"Wise asks for more documents","fix":"Check your inbox and spam folder for an email from a Wise.com address and reply with exactly what it asks for.","source":"verify-business"}],"sources":["verify-business"]},{"id":"two-step","title":"Turn on 2-step verification","summary":"Set up 2-step verification on the business account. A token cannot be created without it.","route":"guided","depends_on":["business-account"],"gate":"2fa","sources":["help-api"]},{"id":"api-token","title":"Create a personal API token","summary":"On the Wise website (not the app), go to Your Account, Connect and manage apps, API tokens, then Add new token. Complete 2-step verification. The token is shown only once.","route":"guided","depends_on":["verification","two-step"],"gate":"2fa","url":"https://wise.com/","capture":{"env":"WISE_API_TOKEN","kind":"token"},"sources":["personal-token","help-api"]},{"id":"partner-onboarding","title":"Partner onboarding for full platform access (optional)","summary":"If you need more than the personal-token endpoints, or you are building for your own customers, contact Wise about a partnership agreement. Wise issues a client ID and secret per environment and Developer Hub access; OAuth also needs mTLS and a redirect URL.","route":"guided","depends_on":["business-account"],"gate":"third_party_review","capture":{"env":"WISE_CLIENT_SECRET","kind":"secret"},"optional":true,"sources":["security-access","getting-started"]}],"outputs":[{"name":"WISE_API_TOKEN","description":"Personal API token for the Wise Business account (production, api.wise.com)","secret":true,"environments":["production"],"from_step":"api-token"},{"name":"WISE_SANDBOX_API_TOKEN","description":"Personal API token for the Wise sandbox (api.wise-sandbox.com)","secret":true,"environments":["development","test"],"from_step":"sandbox-token"},{"name":"WISE_CLIENT_ID","description":"Partner client ID issued by Wise during onboarding (partners only)","secret":false,"from_step":"partner-onboarding"},{"name":"WISE_CLIENT_SECRET","description":"Partner client secret issued by Wise during onboarding (partners only)","secret":true,"from_step":"partner-onboarding"}],"terms_notes":[{"kind":"rules_say","severity":"red","title":"Personal tokens cannot fund transfers in the UK or EEA","text":"Personal API tokens can create quotes, recipients, transfers and batch groups and track transfer events. Funding transfers and retrieving balance statements by API are supported only for accounts based in the US, Canada, Australia, New Zealand, Singapore and Malaysia.","source":"personal-token"},{"kind":"rules_say","severity":"amber","title":"PSD2 strong customer authentication","text":"In the UK and EEA, funding from a multi-currency account or retrieving a statement needs SCA. SCA-protected endpoints first answer 403 and must be retried with stronger authentication. Wise may also enforce SCA on other endpoints based on risk.","source":"sca"},{"kind":"rules_say","severity":"amber","title":"Personal tokens are not for building products for others","text":"Personal tokens are for SMBs automating their own business account. OAuth 2.0 is for partners building apps for their customers, and needs a partnership agreement and mTLS.","source":"security-access"},{"kind":"rules_say","severity":"red","title":"Unsupported businesses","text":"Wise does not support businesses or transactions involving, among others, adult content, retail alcohol sales, tobacco, cannabis and CBD, online pharmacies, counterfeit goods, gambling, crypto exchange or trading, money service businesses and payment processing, escrow, and unlicensed financial services. The list is not exhaustive and Wise may refuse customers outside its risk tolerance.","source":"aup"},{"kind":"rules_say","severity":"amber","title":"Some business types are not supported","text":"Wise does not work for trusts outside the listed countries, UK Scottish, English and Northern Ireland limited partnerships (new registrations), businesses with bearer shares, or businesses dealing in goods or services relating to Cuba with US relations.","source":"eligibility"},{"kind":"rules_say","severity":"yellow","title":"Token stays live until you revoke it","text":"Personal API tokens remain active until revoked. Revoke and regenerate a token if you think it is compromised.","source":"personal-token"}],"pricing_notes":{"free_tier":"Registering a Wise account is free; the sandbox is free and pre-funded with test credit.","costs":"A one-time 50 GBP set-up fee unlocks all Wise Business features (UK pricing). Sending and converting money costs from 0.24%, varying by currency.","notes":"Fees and whether the set-up fee is mandatory vary by region. No separate fee for the API was found. [to verify]","source":"pricing"},"stripe_projects":false,"api_provisioning":{"available":"partial","notes":"Personal tokens are created by hand in the Wise website after 2-step verification. Partner client credentials are issued by Wise during onboarding and managed in Developer Hub.","docs":["https://docs.wise.com/guides/developer/auth-and-security/personal-api-token","https://docs.wise.com/guides/developer/auth-and-security"],"source":"personal-token"},"notes":["Exact menu path for creating a sandbox token was not confirmed separately from production. [to verify]","The help article says Settings, API tokens; the developer guide says Your Account, Connect and manage apps, API tokens. The newer guide wording is used here.","Whether payment approval rules on the business account block API-created transfers was not confirmed. [to verify]"]}}