{ "name": "Wise Platform", "slug": "wise-platform", "website_url": "https://wise.com/platform", "vendor_description": "\"Payments infrastructure to power the world's money\" - banks, financial institutions and enterprises can plug into Wise's network to offer cross-border payment, card issuing, and multi-currency account capabilities.", "categories": [ "payouts" ], "summary": "Wise Platform is a REST API that lets banks, fintechs, and enterprises embed cross-border payments, FX conversion, multi-currency balances, and white-label card issuance into their own products, covering payouts to 70+ countries on local rails across a network spanning 160+ countries. Pricing is usage-based with published rates, though full Platform API access requires a sales onboarding process and enterprise tiers are available with customized per-route pricing. The API supports OAuth2, API key, and mTLS auth, with idempotency, webhooks, and a sandbox included. Wise holds SOC 2 Type II, ISO 27001, and PCI DSS certifications and operates under 80+ regulatory licenses across 17 jurisdictions, with customers including Morgan Stanley, Nubank, Monzo, Google Pay, and Ramp.", "capabilities": { "supported_actions": [ "create_transfer", "batch_payouts", "mass_payments", "fx_conversion", "multicurrency_balance", "recipient_onboarding", "kyc_kyb", "hosted_kyc", "partner_kyc", "quote_api", "exchange_rate_api", "webhooks", "incoming_payment_monitoring", "statement_access", "simulation_api", "card_issuance", "card_management", "spending_controls" ], "supported_regions": [ "160+ countries", "Australia", "Brazil", "European Economic Area", "Hungary", "Japan", "Philippines", "Singapore", "United Kingdom", "United States", "Canada", "Mexico", "Hong Kong", "India", "Indonesia", "Israel", "Malaysia", "New Zealand" ], "supported_languages": [], "input_types": [ "ACH", "SEPA", "Faster Payments", "SWIFT", "PIX (Brazil)", "local bank rails", "multi-currency balance" ], "output_types": [ "JSON", "webhook events", "transfer status", "balance statements", "exchange rate data", "reconciliation reports", "remittance data" ], "webhooks_supported": true, "sandbox_available": true, "sdk_languages": [ "TypeScript/Node.js" ], "mcp_server_available": false }, "integration": { "api_style": "rest", "base_url": "https://api.wise.com", "api_version": "v1", "versioning_scheme": "url", "stability": "ga", "deprecation_policy_url": "https://docs.wise.com/guides/developer/versioning", "auth_methods": [ "oauth2", "api_key", "mtls" ], "auth_docs_url": "https://docs.wise.com/guides/developer/auth-and-security", "idempotency_supported": true, "error_format": "vendor-specific", "webhook_signing": "rsa_sha256", "webhook_events_url": "https://docs.wise.com/guides/developer/webhooks/event-types", "rate_limit_requests": 100, "rate_limit_window": "second", "sdk_packages": [ { "package": "wise-platform-samples", "language": "TypeScript/Node.js", "official": true, "repo_url": "https://github.com/transferwise/wise-platform-samples" } ], "mcp_url": null, "quickstart_url": "https://docs.wise.com/guides/developer" }, "pricing": { "pricing_model": "usage_based", "has_published_pricing": true, "starting_price_usd": null, "price_basis": null, "free_tier_available": false, "free_tier_limit": null, "free_tier_details": null, "minimum_commitment": null, "self_serve_signup": true, "requires_sales_call": true, "requires_verification": true, "enterprise_plan_available": true, "price_points": [ { "plan": "Standard (Personal/Business)", "item": "Transfer fee (sending money) — minimum published rate", "amount_usd": null, "amount_percent": "0.5700", "per": "transfer", "currency": "USD", "source_url": "https://wise.com/us/pricing/" }, { "plan": "Standard (Personal/Business)", "item": "FX markup on exchange rate", "amount_usd": null, "amount_percent": "0.0000", "per": "conversion", "currency": "USD", "source_url": "https://wise.com/us/pricing/" }, { "plan": "Standard (Personal/Business)", "item": "Receive USD wire/SWIFT", "amount_usd": "6.1100", "amount_percent": null, "per": "incoming payment", "currency": "USD", "source_url": "https://wise.com/us/pricing/" }, { "plan": "Standard (Personal/Business)", "item": "Receive GBP SWIFT", "amount_usd": null, "amount_percent": null, "per": "incoming payment — 2.16 GBP", "currency": "USD", "source_url": "https://wise.com/us/pricing/" }, { "plan": "Standard (Personal/Business)", "item": "Receive EUR SWIFT", "amount_usd": null, "amount_percent": null, "per": "incoming payment — 2.39 EUR", "currency": "USD", "source_url": "https://wise.com/us/pricing/" }, { "plan": "Business Account", "item": "Account setup / account details (one-time)", "amount_usd": "31.0000", "amount_percent": null, "per": "one-time", "currency": "USD", "source_url": "https://wise.com/us/pricing/business" }, { "plan": "Platform Partner", "item": "Per-route transfer fee (bespoke, configured by Wise per partner)", "amount_usd": null, "amount_percent": null, "per": "transfer — rate set per route via partner agreement", "currency": "USD", "source_url": "https://docs.wise.com/guides/product/send-money/quotes/pricing" } ] }, "compliance": { "soc2": "type_2", "hipaa": false, "gdpr": true, "iso_27001": true, "pci_dss": true, "sla_published": false, "sla_url": null, "data_retention_policy_url": "https://wise.com/gb/legal/privacy-notice-business-en", "documented_rate_limits": "\"500 requests per minute (higher limit to cater to bursty workloads); for partner accounts: maximum 100 requests per second and 1000 requests per minute per client owned by that partner\"", "known_restrictions": [ "Requires partner onboarding/sales process for full Platform API access (client credentials issued during onboarding)", "EMI licensed in UK (FCA, Firm Reference 900507); Payment Institution in EU (National Bank of Belgium); MTLs in US states via Wise US Inc.; regulated in 17+ jurisdictions with 80 licenses worldwide", "Payouts available to 70+ countries in local currency (not all 160+ countries for local rail delivery)", "API cannot process debit/credit card payments or create reusable website plug-ins (per help documentation)", "Sandbox access for basic business API is self-serve; Platform partner credentials require sales engagement", "Platform partner pricing: Wise configures standard pricing per route; partners may request customized/tiered pricing (Flexible Partner Pricing)", "No published 1099 or DAC7 tax form collection as a platform feature", "Published retail fee floor is 'from 0.57%' with mid-market FX (no markup); Platform-partner rates are configured per route and may differ" ] }, "developer": { "docs_url": "https://docs.wise.com/", "api_reference_url": "https://docs.wise.com/api-docs", "openapi_spec_url": null, "postman_collection_url": null, "changelog_url": null, "status_page_url": "https://status.wise.com", "llms_txt_url": null, "markdown_docs_url": null, "rendering": "static" }, "adoption": { "launched_at": "2011-01-01", "ga_date": null, "github_stars": null, "github_stars_at": null, "notable_customers": [ "Morgan Stanley", "Nubank", "Bank Mandiri", "Monzo", "Google Pay", "N26", "Standard Chartered", "Bolt", "Ramp", "Brex" ] }, "scores": { "agent_friendliness": 40, "pricing_transparency": 45, "setup_speed": 65, "docs_quality": 35, "procurement_friction": 45, "trust_readiness": 65, "best_for": [ "Regulated or enterprise workloads - compliance attestations and an enterprise plan", "Teams needing broad API coverage out of the box" ], "avoid_if": [ "You want to try it free before paying" ] }, "sources": [ { "field": "vendor_description", "url": "https://wise.com/platform/", "excerpt": "Payments infrastructure to power the world's money — banks, financial institutions and enterprises can plug into our network.", "confidence": "high" }, { "field": "categories / card_issuing", "url": "https://wise.com/platform/cards/", "excerpt": "Connect seamlessly to our in-house global card issuing", "confidence": "high" }, { "field": "supported_regions", "url": "https://wise.com/platform/", "excerpt": "160+ countries and 40+ currencies supported", "confidence": "high" }, { "field": "pricing_model", "url": "https://wise.com/us/pricing/", "excerpt": "Sending money: From 0.57% — Fee varies by currency", "confidence": "high" }, { "field": "has_published_pricing", "url": "https://wise.com/us/pricing/", "excerpt": "Sending money: From 0.57% — Fee varies by currency", "confidence": "high" }, { "field": "soc2 / pci_dss / iso_27001", "url": "https://wise.com/ph/business/payouts", "excerpt": "We meet the highest security standards, and are SOC 1 type 2, SOC 2 type 2, PCI DSS and ISO 27001 certified", "confidence": "high" }, { "field": "hipaa", "url": "https://wise.com/ph/business/payouts", "excerpt": "We meet the highest security standards, and are SOC 1 type 2, SOC 2 type 2, PCI DSS and ISO 27001 certified", "confidence": "high" }, { "field": "sla_published", "url": "https://docs.wise.com/guides/product/partner", "excerpt": "For existing partners, SLA response and resolution times are arranged as part of your contracted SLA.", "confidence": "medium" }, { "field": "sandbox_available", "url": "https://wise.com/help/articles/2958107/getting-started-with-the-api", "excerpt": "All you need is an email and password to get your test sandbox account. No verification required. New sandbox environments come pre-loaded with test credit of one million GBP.", "confidence": "high" }, { "field": "requires_sales_call", "url": "https://wise.com/help/articles/2958106/whats-the-wise-api", "excerpt": "Get in touch with our Sales team if you're a medium-large business", "confidence": "high" }, { "field": "documented_rate_limits", "url": "https://docs.wise.live/wise-api-integration/rate-limits-and-usage-quotas", "excerpt": "For partner accounts, the limit is a maximum of 100 requests per second and 1000 requests per minute per client owned by that partner.", "confidence": "high" }, { "field": "known_restrictions / regulatory", "url": "https://wise.com/platform/", "excerpt": "80 licenses worldwide", "confidence": "high" }, { "field": "supported_actions / card_management", "url": "https://docs.wise.com/guides/product/issue-cards", "excerpt": "Card Issuance API: Guide to Issuing, Ordering, and Managing Cards | Wise Platform", "confidence": "high" }, { "field": "auth_methods", "url": "https://docs.wise.com/guides/developer/auth-and-security", "excerpt": "OAuth 2.0 for all partner accounts. Additionally, Wise offers enhanced security frameworks including mTLS, JOSE, and SCA & 2FA.", "confidence": "high" }, { "field": "base_url", "url": "https://docs.wise.com/guides/developer/environments", "excerpt": "The production base URL for the Wise Platform API is: https://api.wise.com. For mTLS: https://api-mtls.transferwise.com", "confidence": "high" }, { "field": "deprecation_policy_url", "url": "https://docs.wise.com/guides/developer/versioning", "excerpt": "It is not standard policy for Wise to remove or disable API versions, and we will not take this action lightly; however, in some cases it may be necessary if the affected API does not meet new regulatory requirements", "confidence": "high" }, { "field": "idempotency_supported", "url": "https://www.postman.com/transferwise/transferwise-s-public-workspace/request/zm3zzgp/3-generate-guid-for-idempotency", "excerpt": "Generate GUID for idempotency", "confidence": "high" }, { "field": "webhook_signing", "url": "https://github.com/transferwise/digital-signatures-examples/blob/main/verify-webhook-signature/README.md", "excerpt": "Signatures are generated using an RSA key and SHA256 digest of the message body. They are transmitted using the X-Signature-SHA256 request header and are Base64 encoded.", "confidence": "high" }, { "field": "rate_limit_requests", "url": "https://docs.wise.com/guides/developer/errors", "excerpt": "For partner accounts, the limits are max 100 requests per second and 1000 requests per minute per client owned by that partner. HTTP 429 status code returned if exceeded.", "confidence": "high" }, { "field": "requires_verification", "url": "https://docs.wise.com/guides/product/kyc/wise-kyc", "excerpt": "For Wise Platform partners who are not licensed to perform KYC/KYB checks in-house, Wise will conduct the KYC/KYB checks for them.", "confidence": "high" }, { "field": "sdk_packages", "url": "https://github.com/transferwise/wise-platform-samples", "excerpt": "Code samples to get started with common Wise API use cases — each sample includes server and client side code powered by Next.js. Official Wise/transferwise GitHub org.", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.wise.com/platform", "excerpt": "Trusted by: Morgan Stanley, Nubank, Bank Mandiri, Monzo, Google Pay, N26, Standard Chartered, Bolt", "confidence": "high" }, { "field": "launched_at", "url": "https://en.wikipedia.org/wiki/Wise_(company)", "excerpt": "TransferWise (now Wise) was established in January 2011 by Kristo Käärmann and Taavet Hinrikus.", "confidence": "medium" }, { "field": "categories / card_issuing", "url": "https://docs.wise.com/guides/product/issue-cards", "excerpt": "Card Issuance API: Guide to Issuing, Ordering, and Managing Cards | Wise Platform", "confidence": "high" }, { "field": "supported_regions", "url": "https://wise.com/gb/business/payouts", "excerpt": "Payouts to 70+ countries in local currency", "confidence": "high" }, { "field": "pricing_model", "url": "https://docs.wise.com/guides/product/send-money/quotes/pricing", "excerpt": "Flexible partner pricing: Customize transfer fees via quote API", "confidence": "high" }, { "field": "has_published_pricing", "url": "https://wise.com/us/pricing/business", "excerpt": "Transfer Fees: From 0.57% with fees varying by currency. No FX markup — we don't inflate the mid-market exchange rate.", "confidence": "high" }, { "field": "soc2 / pci_dss / iso_27001", "url": "https://wise.com/gb/business/payouts", "excerpt": "SOC 1 type 2, SOC 2 type 2, PCI DSS and ISO 27001 certified", "confidence": "high" }, { "field": "gdpr", "url": "https://wise.com/imaginary-v2/images/15131fa571ef490e99d30221f6488b94-GlobalPrivacyPolicy-Wise.pdf", "excerpt": "Wise enters into EU Standard Contractual Clauses approved by the European Commission and the UK International Data Transfer Addendum issued by the Information Commissioner's Office with data importers, where the EU or UK GDPR apply.", "confidence": "high" }, { "field": "webhooks_supported", "url": "https://docs.wise.com/guides/developer/webhooks/event-types", "excerpt": "Webhooks are user-defined HTTP callbacks triggered by events that describe certain business events occurring within Wise's system.", "confidence": "high" }, { "field": "requires_sales_call", "url": "https://docs.wise.com/guides/developer/environments", "excerpt": "During the partner onboarding process with the Wise sales and implementation teams, Wise provides a client ID and client secret for each environment (sandbox then production).", "confidence": "high" }, { "field": "self_serve_signup", "url": "https://wise.com/help/articles/2958107/getting-started-with-the-api", "excerpt": "All you need is an email and password to get your test sandbox account. No verification required.", "confidence": "high" }, { "field": "known_restrictions / regulatory", "url": "https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region", "excerpt": "Wise Payments Limited is authorised as an Electronic Money Institution (EMI) by the UK Financial Conduct Authority (FCA) with registration number 900507. Wise US Inc. holds state money transmitter licenses.", "confidence": "high" }, { "field": "mcp_server_available", "url": "https://github.com/2060-io/mcp-wise", "excerpt": "Wise MCP server — community/third-party implementations exist on GitHub but no official Wise-published MCP server was found.", "confidence": "high" }, { "field": "supported_actions / card_management", "url": "https://wise.com/platform/cards/", "excerpt": "Connect seamlessly to our in-house global card issuing", "confidence": "high" }, { "field": "auth_methods", "url": "https://docs.wise.com/api-reference/oauth-token", "excerpt": "All grant types use POST /oauth/token with basic authentication (your client_id and client_secret).", "confidence": "high" }, { "field": "versioning_scheme", "url": "https://docs.wise.com/guides/developer/versioning", "excerpt": "if API endpoint compatibility has changed in the new version as a result of a breaking change we will provide clear instructions in our documentation on which API calls must be used together", "confidence": "high" }, { "field": "idempotency_supported", "url": "https://docs.wise.com/guides/developer", "excerpt": "The create a transfer operation uses the customerTransactionId property in the request body. The convert or move money between balances operation uses the customer header X-idempotence-uuid", "confidence": "high" }, { "field": "error_format", "url": "https://docs.wise.com/guides/developer/errors", "excerpt": "Wise error responses can be structured as a simple response with relevant fields, or an array containing one or more objects related to the error flow. Vendor-specific JSON (not problem+json standard)", "confidence": "high" }, { "field": "webhook_events_url", "url": "https://docs.wise.com/guides/developer/webhooks/event-types", "excerpt": "Webhook event types: Full catalog and status reference | Wise Platform", "confidence": "high" }, { "field": "rate_limit_window", "url": "https://docs.wise.com/guides/developer/errors", "excerpt": "For partner accounts, the limits are max 100 requests per second and 1000 requests per minute per client owned by that partner.", "confidence": "high" }, { "field": "requires_verification", "url": "https://docs.wise.com/api-docs/guides/customer-account-wise-kyc", "excerpt": "User Onboarding: Redirect to Wise for KYC & Verification | Wise Platform", "confidence": "high" }, { "field": "data_retention_policy_url", "url": "https://wise.com/gb/legal/privacy-notice-business-en", "excerpt": "The maximum data retention period is ten years from account termination; after this time, the data will be deleted.", "confidence": "medium" }, { "field": "notable_customers", "url": "https://newsroom.wise.com/en-CAS/222468-wise-enters-2023-with-15-new-partners-in-4-new-markets-bringing-total-to-over-60-partners-worldwide/", "excerpt": "In the US, partners AvidXchange, Ramp, Brex, and Firstbase provide businesses with tools to help them operate internationally.", "confidence": "high" }, { "field": "quickstart_url", "url": "https://docs.wise.com/guides/developer", "excerpt": "Getting started with Wise API | Wise Platform — the canonical developer quickstart and onboarding guide.", "confidence": "high" } ], "fields_not_found": [ "explicit Platform-partner per-route fee schedule (configured bespoke, not in public docs)", "monthly minimum / platform fee", "explicit FedNow or RTP rail support", "push-to-card payout support", "official SDK languages (only community/unofficial libraries found)", "published SLA uptime percentage (per-contract for partners)", "HIPAA compliance page or claim", "ga_date", "sla_url", "starting_price_usd", "price_basis", "free_tier_limit", "mcp_url" ], "source_confidence": "high", "last_verified_at": "2026-06-21T00:00:00.000Z", "contribute": { "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.", "endpoints": [ { "action": "review", "label": "Leave a review or comment", "method": "POST", "url": "https://apio.sh/api/feedback/wise-platform", "example_body": { "kind": "review", "rating": 5, "body": "Your experience with this API…" } }, { "action": "field_edit", "label": "Suggest a correction to a field (cite a source)", "method": "POST", "url": "https://apio.sh/api/suggest/wise-platform/{field}", "example_body": { "value": "corrected value", "citations": [ { "url": "https://source.example/page", "excerpt": "supporting quote" } ], "note": "what changed and why" } }, { "action": "new_api", "label": "Suggest a new API to add (only name is required - send as much as you can cite)", "method": "POST", "url": "https://apio.sh/api/suggest/api", "example_body": { "value": { "name": "Acme Email API", "website_url": "https://acme.example", "vendor_name": "Acme", "categories": [ "email" ], "pricing_model": "usage_based", "has_published_pricing": true, "free_tier_available": true, "price_points": [ { "plan": "Pay as you go", "item": "1,000 emails", "amount_usd": 1, "per": "1,000 emails", "source_url": "https://acme.example/pricing" } ], "soc2": "type_2", "docs_url": "https://docs.acme.example" }, "citations": [ { "url": "https://acme.example/pricing", "excerpt": "$1 per 1,000 emails" } ] }, "value_schema": [ { "field": "name", "type": "string", "label": "Product name (the only required field)" }, { "field": "website_url", "type": "string", "label": "Marketing website URL" }, { "field": "vendor_name", "type": "string", "label": "Company/vendor name behind the product" }, { "field": "vendor_description", "type": "string", "label": "One-line description, quoted from the vendor" }, { "field": "categories", "type": "string[]", "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]" }, { "field": "primary_use_cases", "type": "string[]", "label": "What it's used for" }, { "field": "supported_actions", "type": "string[]", "label": "Concrete API actions/capabilities" }, { "field": "supported_regions", "type": "string[]", "label": "Countries/regions/data-residency" }, { "field": "supported_languages", "type": "string[]", "label": "Human/spoken languages supported" }, { "field": "input_types", "type": "string[]", "label": "Accepted input types/formats" }, { "field": "output_types", "type": "string[]", "label": "Produced output types/formats" }, { "field": "webhooks_supported", "type": "bool", "label": "Supports webhooks?" }, { "field": "sandbox_available", "type": "bool", "label": "Dedicated sandbox/test mode?" }, { "field": "sdk_languages", "type": "string[]", "label": "Languages with an official SDK" }, { "field": "mcp_server_available", "type": "bool", "label": "Official MCP server?" }, { "field": "pricing_model", "type": "enum", "label": "Pricing model", "values": [ "usage_based", "subscription", "seat_based", "hybrid", "contact_sales" ] }, { "field": "has_published_pricing", "type": "bool", "label": "Concrete prices published publicly?" }, { "field": "free_tier_available", "type": "bool", "label": "Recurring/perpetual free tier (not a trial)?" }, { "field": "free_tier_details", "type": "string", "label": "What the free tier includes" }, { "field": "minimum_commitment", "type": "string", "label": "Any stated minimum spend/commitment" }, { "field": "self_serve_signup", "type": "bool", "label": "Get an API key without talking to sales?" }, { "field": "requires_sales_call", "type": "bool", "label": "Does going live require sales?" }, { "field": "enterprise_plan_available", "type": "bool", "label": "Named enterprise tier?" }, { "field": "starting_price_usd", "type": "number", "label": "Lowest published paid entry price (USD number)" }, { "field": "price_basis", "type": "string", "label": "Unit the starting price is per, e.g. '1,000 emails'" }, { "field": "free_tier_limit", "type": "string", "label": "Free-tier ceiling in literal terms" }, { "field": "price_points", "type": "object[]", "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]" }, { "field": "soc2", "type": "enum", "label": "SOC 2 status", "values": [ "type_2", "type_1", "in_progress", "none", "unknown" ] }, { "field": "hipaa", "type": "bool", "label": "HIPAA (e.g. BAA available)?" }, { "field": "gdpr", "type": "bool", "label": "GDPR compliance stated?" }, { "field": "iso_27001", "type": "bool", "label": "ISO 27001 certified?" }, { "field": "pci_dss", "type": "bool", "label": "PCI DSS compliant?" }, { "field": "sla_published", "type": "bool", "label": "Published SLA / uptime commitment?" }, { "field": "documented_rate_limits", "type": "string", "label": "Documented rate limits, quoted" }, { "field": "known_restrictions", "type": "string[]", "label": "Notable documented restrictions/limits" }, { "field": "auth_methods", "type": "string[]", "label": "Auth methods", "values": [ "api_key", "oauth2", "jwt", "basic", "hmac_signature", "mtls", "session" ] }, { "field": "api_style", "type": "enum", "label": "Primary API style", "values": [ "rest", "graphql", "grpc", "soap", "websocket" ] }, { "field": "base_url", "type": "string", "label": "API root/base URL" }, { "field": "api_version", "type": "string", "label": "Current API version string" }, { "field": "quickstart_url", "type": "string", "label": "Quickstart / hello-world URL" }, { "field": "docs_url", "type": "string", "label": "Developer docs URL" }, { "field": "api_reference_url", "type": "string", "label": "API reference URL" }, { "field": "openapi_spec_url", "type": "string", "label": "OpenAPI spec URL" }, { "field": "changelog_url", "type": "string", "label": "Changelog URL" }, { "field": "status_page_url", "type": "string", "label": "Status page URL" }, { "field": "notable_customers", "type": "string[]", "label": "Named public customers" }, { "field": "launched_at", "type": "string", "label": "Launch date (ISO date or year)" } ] }, { "action": "token", "label": "Optional - raise your rate limit", "method": "GET", "url": "https://apio.sh/api/feedback/token" } ] } }