Wise Platform

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

Pricing model

Usage-based [2]wise.com/us/pricing/“Sending money: From 0.57% — Fee varies by currency”docs.wise.com/guides/product/send-money/quotes/pricing“Flexible partner pricing: Customize transfer fees via quote API”

Published pricing

✓ Yes [3]wise.com/us/pricing/“Sending money: From 0.57% — Fee varies by currency”wise.com/us/pricing/business“Transfer Fees: From 0.57% with fees varying by currency. No FX markup — we don't inflate the mid-market exchange rate.”

Free tier

✗ No

Self-serve signup

✓ Yes [4]wise.com/help/articles/2958107/getting-started-with-the-api“All you need is an email and password to get your test sandbox account. No verification required.”

Requires sales call

✓ Yes [5]wise.com/help/articles/2958106/whats-the-wise-api“Get in touch with our Sales team if you're a medium-large business”docs.wise.com/guides/developer/environments“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).”

Enterprise plan

✓ Yes

• Global coverage
• Mass payments
• Built-in FX
• Recipient onboarding

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

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 [6]wise.com/platform/“160+ countries and 40+ currencies supported”wise.com/gb/business/payouts“Payouts to 70+ countries in local currency”

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

✓ Yes [7]docs.wise.com/guides/developer/webhooks/event-types“Webhooks are user-defined HTTP callbacks triggered by events that describe certain business events occurring within Wise's system.”

Sandbox / test mode

✓ Yes [8]wise.com/help/articles/2958107/getting-started-with-the-api“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.”

SDK languages

TypeScript/Node.js

MCP server

✗ No [9]github.com/2060-io/mcp-wise“Wise MCP server — community/third-party implementations exist on GitHub but no official Wise-published MCP server was found.”

SOC 2

SOC 2 Type II

HIPAA

✗ No [10]wise.com/ph/business/payouts“We meet the highest security standards, and are SOC 1 type 2, SOC 2 type 2, PCI DSS and ISO 27001 certified”

GDPR

✓ Yes [11]wise.com/imaginary-v2/images/15131fa571ef490e99d30221f6488b94-GlobalPrivacyPolicy-Wise.pdf“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.”

ISO 27001

✓ Yes

PCI DSS

✓ Yes

Published SLA

✗ No [12]docs.wise.com/guides/product/partner“For existing partners, SLA response and resolution times are arranged as part of your contracted SLA.”

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" [13]docs.wise.live/wise-api-integration/rate-limits-and-usage-quotas“For partner accounts, the limit is a maximum of 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

• Docs
• API reference
• Status page

Docs rendering: static

API style

rest

Base URL

https://api.wise.com

Version

v1

Versioning

url

Stability

ga

Auth methods

oauth2, api_key, mtls

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

rsa_sha256

Rate limit

100 / second

SDKs

• TypeScript/Node.js wise-platform-samples · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

2011-01-01

Notable customers

Morgan Stanley, Nubank, Bank Mandiri, Monzo, Google Pay, N26, Standard Chartered, Bolt, Ramp, Brex

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Razorpay

  "India's All-in-One Finance Platform" that helps businesses accept payments, make payouts, manage banking, automate payroll, and access credit - all from a single platform.

  Usage · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Trolley

  "The Payouts Platform for the Internet Economy"

  Hybrid · public pricing · self-serve

• Airwallex Payouts

  "Fast, programmatic international and domestic payouts"

  Sales-led · self-serve

Wise Platform alternatives · Wise Platform vs PayPal Payments · All Payouts & Disbursement APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: wise.com
2. ↑Pricing model: wise.com · docs.wise.com
3. ↑Published pricing: wise.com · wise.com
4. ↑Self-serve signup: wise.com
5. ↑Requires sales call: wise.com · docs.wise.com
6. ↑Regions: wise.com · wise.com
7. ↑Webhooks: docs.wise.com
8. ↑Sandbox: wise.com
9. ↑MCP server: github.com
10. ↑HIPAA: wise.com
11. ↑GDPR: wise.com
12. ↑Published SLA: docs.wise.com
13. ↑Rate limits: docs.wise.live

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"fx_included":true,"mass_payments":true,"global_coverage":true,"recipient_onbo…
2. 2026-06-21 Summary Md: (none) → Wise Platform is a REST API that lets banks, fintechs, and enterprises embed cr…
3. 2026-06-21 Score Setup Speed: (none) → 65
4. 2026-06-21 Score Pricing Transparency: (none) → 45
5. 2026-06-21 Score Docs Quality: (none) → 35
6. 2026-06-21 Score Procurement Friction: (none) → 45
7. 2026-06-21 Score Trust Readiness: (none) → 65
8. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
9. 2026-06-21 Avoid If: (none) → You want to try it free before paying
10. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
11. 2026-06-21 Score Agent Friendliness: (none) → 40
12. 2026-06-21 Robots Allows Agents: (none) → Yes
13. 2026-06-21 API Reference URL: (none) → https://docs.wise.com/api-docs
14. 2026-06-21 Status Page URL: (none) → https://status.wise.com
15. 2026-06-21 Docs URL: (none) → https://docs.wise.com/
16. 2026-06-21 Has Structured Data: (none) → Yes
17. 2026-06-21 Rendering: (none) → static
18. 2026-06-21 Llms Txt Present: (none) → No
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 HIPAA: set to No
25. 2026-06-21 GDPR: set to Yes
26. 2026-06-21 ISO 27001: set to Yes
27. 2026-06-21 PCI DSS: set to Yes
28. 2026-06-21 SLA Published: set to No
29. 2026-06-21 Data Retention Policy URL: set to https://wise.com/gb/legal/privacy-notice-business-en
30. 2026-06-21 Documented Rate Limits: set to 500 requests per minute (higher limit to cater to bursty workloads); for partne…
31. 2026-06-21 Rate Limit Requests: set to 100
32. 2026-06-21 Rate Limit Window: set to second
33. 2026-06-21 Known Restrictions: set to Requires partner onboarding/sales process for full Platform API access (client …
34. 2026-06-21 Auth Methods: set to oauth2, api_key, mtls
35. 2026-06-21 Auth Docs URL: set to https://docs.wise.com/guides/developer/auth-and-security
36. 2026-06-21 API Style: set to rest
37. 2026-06-21 Base URL: set to https://api.wise.com
38. 2026-06-21 API Version: set to v1
39. 2026-06-21 Versioning Scheme: set to url
40. 2026-06-21 Stability: set to ga
41. 2026-06-21 Deprecation Policy URL: set to https://docs.wise.com/guides/developer/versioning
42. 2026-06-21 Quickstart URL: set to https://docs.wise.com/guides/developer
43. 2026-06-21 Idempotency Supported: set to Yes
44. 2026-06-21 Error Format: set to vendor-specific
45. 2026-06-21 Webhook Signing: set to rsa_sha256
46. 2026-06-21 Slug: set to wise-platform
47. 2026-06-21 Requires Verification: set to Yes
48. 2026-06-21 Launched At: set to 2011-01-01
49. 2026-06-21 Notable Customers: set to Morgan Stanley, Nubank, Bank Mandiri, Monzo, Google Pay, N26, Standard Chartere…
50. 2026-06-21 Fields Not Found: set to explicit Platform-partner per-route fee schedule (configured bespoke, not in pu…

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  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

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  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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