{"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"},"id":"wise/business-api","name":"Wise Business API (personal API token)","vendor":"Wise","status":"researched","last_verified":null,"last_researched":"2026-10-25","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.","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."}],"identity_requires":[],"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_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified"},{"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_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified"},{"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_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified"},{"kind":"other","description":"Proof you may open the account if you are not a director (letter of authorisation, power of attorney or board resolution)","why":null,"needed_for":["business-account"],"auto_check":"none","source_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified"},{"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_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified"},{"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_url":"https://wise.com/help/articles/2958107/getting-started-with-the-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","gate":"human_login","human_only":true,"gate_label":"You sign in","depends_on":[],"optional":true,"url":"https://wise-sandbox.com/","lead_time":null,"preflight":[],"captures":null},{"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","gate":"human_submit","human_only":true,"gate_label":"You press submit","depends_on":["sandbox-account"],"optional":true,"url":null,"lead_time":null,"preflight":[],"captures":"WISE_SANDBOX_API_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","gate":"human_submit","human_only":true,"gate_label":"You press submit","depends_on":[],"optional":false,"url":"https://wise.com/","lead_time":null,"preflight":[],"captures":null},{"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","gate":"third_party_review","human_only":true,"gate_label":"The provider reviews it","depends_on":["business-account"],"optional":false,"url":null,"lead_time":{"official":{"text":"Review of extra information or documents usually takes up to 10 working days.","source_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified","source_title":"Wise Help Centre – How can I verify my business?"},"reported":null,"typical_minutes":null},"preflight":[],"captures":null},{"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","gate":"2fa","human_only":true,"gate_label":"You enter a 2-step code","depends_on":["business-account"],"optional":false,"url":null,"lead_time":null,"preflight":[],"captures":null},{"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","gate":"2fa","human_only":true,"gate_label":"You enter a 2-step code","depends_on":["verification","two-step"],"optional":false,"url":"https://wise.com/","lead_time":null,"preflight":[],"captures":"WISE_API_TOKEN"},{"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","gate":"third_party_review","human_only":true,"gate_label":"The provider reviews it","depends_on":["business-account"],"optional":true,"url":null,"lead_time":null,"preflight":[],"captures":"WISE_CLIENT_SECRET"}],"gates":[{"step":"sandbox-account","gate":"human_login","label":"You sign in"},{"step":"sandbox-token","gate":"human_submit","label":"You press submit"},{"step":"business-account","gate":"human_submit","label":"You press submit"},{"step":"verification","gate":"third_party_review","label":"The provider reviews it"},{"step":"two-step","gate":"2fa","label":"You enter a 2-step code"},{"step":"api-token","gate":"2fa","label":"You enter a 2-step code"},{"step":"partner-onboarding","gate":"third_party_review","label":"The provider reviews it"}],"lead_times":[{"step":"verification","what":"Get the business verified","official":{"text":"Review of extra information or documents usually takes up to 10 working days.","source_url":"https://wise.com/help/articles/2769792/what-do-i-need-to-get-my-business-verified","source_title":"Wise Help Centre – How can I verify my business?"},"reported":null}],"outputs":[{"name":"WISE_API_TOKEN","description":"Personal API token for the Wise Business account (production, api.wise.com)","secret":true,"example_format":null,"environments":["production"]},{"name":"WISE_SANDBOX_API_TOKEN","description":"Personal API token for the Wise sandbox (api.wise-sandbox.com)","secret":true,"example_format":null,"environments":["development","test"]},{"name":"WISE_CLIENT_ID","description":"Partner client ID issued by Wise during onboarding (partners only)","secret":false,"example_format":null,"environments":null},{"name":"WISE_CLIENT_SECRET","description":"Partner client secret issued by Wise during onboarding (partners only)","secret":true,"example_format":null,"environments":null}],"renewals":[],"estimated_minutes":null,"guide_url":"https://verapli.com/guides/wise/business-api"}