openapi: 3.1.0
info:
  title: Wise Platform 3ds sca-pin API
  version: ''
  description: "The Wise Platform API is a REST-based interface that enables programmatic access to Wise's payment infrastructure. All endpoints return JSON-formatted responses and use standard HTTP methods and status codes.\n{% admonition type=\"success\" name=\"New to wise?\" %}\n  We strongly recommend first reading our **[Getting Started Guide](/guides/developer/index.md)** to help you set up credentials and make your first call.\n{% /admonition %}\n\nBefore you begin {% .title-2 .m-t-5 %}\n\nTo use this API reference effectively, you should have:\n\n- Received Valid [API credentials from Wise](/guides/developer/auth-and-security/index.md) (Client ID and Client Secret)\n- Understand OAuth 2.0 authentication\n- Be familiar with RESTful API concepts\n\nCore API resources {% .title-2 .m-t-5 .m-b-0 %}\n\n| Resource | Purpose |\n|----------|---------|\n| **[Quote](/api-reference/quote)** | Exchange rate and fee calculations |\n| **[Recipient](/api-reference/recipient)** | Beneficiary account management |\n| **[Transfer](/api-reference/transfer)** | Payment creation and execution |\n| **[Balance](/api-reference/balance)** | Multi-currency account operations |\n| **[Profile](/api-reference/profile)** | Account ownership details |\n| **[Rate](/api-reference/rate)** | Current and historical exchange rates |\n\n**Not sure which workflow to build?**<br>\nStart with our [Integration Guides](/guides/product/send-money/use-cases/index.md) for step-by-step implementation examples.{% .m-t-3 .m-b-5 %}\n"
servers:
- url: https://api.wise.com
  description: Production Environment
- url: https://api.wise-sandbox.com
  description: Sandbox Environment
tags:
- name: sca-pin
  x-displayName: PIN
  description: 'PIN (Personal Identification Number) is a knowledge-based SCA challenge factor. Users create a 4-digit PIN that can be used to verify their identity when accessing SCA-protected endpoints.


    All PIN creation and verification requests use JOSE (JWE) encryption to ensure the PIN is never transmitted in plain text. See the [SCA over API guide](/guides/developer/auth-and-security/sca-and-2fa) for encryption details.'
paths:
  /v1/one-time-token/pin/verify:
    post:
      deprecated: true
      operationId: ottPinVerify
      summary: Verify PIN
      description: '[{% img src="https://img.shields.io/badge/jose-direct_encryption-blue" /%}](/guides/developer/auth-and-security/jose-jwe){% .d-inline-block %}


        To clear a **PIN** challenge listed in a OTT.


        Notes:

        1. User is required to [create pin](/api-reference/user-security/usersecuritypincreate) before the verification can be successful.

        2. Rate limit may be applied if there are 5 continuous unsuccessful attempts and OTT creation will be blocked for 15 minutes.

        '
      tags:
      - sca-pin
      security:
      - UserToken: []
      parameters:
      - name: One-Time-Token
        in: header
        required: true
        description: Text value of a OTT.
        schema:
          type: string
      - name: Accept
        in: header
        required: true
        schema:
          type: string
          enum:
          - application/jose+json
        example: application/jose+json
      - name: X-TW-JOSE-Method
        in: header
        required: true
        description: JOSE method identifier.
        schema:
          type: string
          enum:
          - jwe
        example: jwe
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      x-codeSamples:
      - lang: bash
        label: cURL
        source: "curl -i -X POST \\\n  https://api.wise-sandbox.com/v1/one-time-token/pin/verify \\\n  -H 'Authorization: Bearer <YOUR_TOKEN_HERE>' \\\n  -H 'Accept: application/jose+json' \\\n  -H 'Accept-Encoding: identity' \\\n  -H 'Content-Type: application/jose+json' \\\n  -H 'Content-Encoding: identity' \\\n  -H 'X-TW-JOSE-Method: jwe' \\\n  -H 'One-Time-Token: <one time token>' \\\n  -d 'eyJlbmMiOiJBMjU2R0NNIiwi...'\n"
      requestBody:
        required: true
        content:
          application/jose+json:
            schema:
              type: string
              description: 'JWE-encrypted string. The payload before encryption should contain a `pin` field.


                Original payload:

                ```json

                {"pin": "1234"}

                ```


                Encoded (JWE):

                ```

                eyJlbmMiOiJBMjU2R0NNIiwi...

                ```

                '
            example: eyJlbmMiOiJBMjU2R0NNIiwi...
      responses:
        '200':
          description: Encrypted one time token status.
          content:
            application/jose+json:
              schema:
                type: string
                description: 'JWE-encrypted string. Please refer to our [JOSE guide](/guides/developer/auth-and-security/jose-jws) on how to decrypt this.


                  When decrypted, the response contains `oneTimeTokenProperties` with the one time token details.

                  '
              example: eyJlbmMiOiJBMjU2R0NNIiwi...
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v2/profiles/{profileId}/pin:
    post:
      operationId: scaPinCreate
      summary: Create a PIN
      description: 'Creates a new PIN factor used to resolve a SCA knowledge challenge type.


        The request and response are encrypted using the JOSE framework. Please refer to the [SCA over API guide](/guides/developer/auth-and-security/sca-over-api) to understand how encryption and decryption work.

        '
      tags:
      - sca-pin
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: The profile ID.
        schema:
          type: integer
          format: int64
      - name: Accept
        in: header
        required: true
        schema:
          type: string
          default: application/jose+json
      - name: Accept-Encoding
        in: header
        required: true
        schema:
          type: string
          default: identity
      - name: Content-Encoding
        in: header
        required: true
        schema:
          type: string
          default: identity
      - name: X-tw-jose-method
        in: header
        required: true
        schema:
          type: string
          default: jwe
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      x-codeSamples:
      - lang: bash
        label: cURL
        source: "curl -X POST \\\n  'https://api.wise-sandbox.com/v2/profiles/{profileId}/pin' \\\n  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \\\n  -H 'Accept: application/jose+json' \\\n  -H 'Accept-Encoding: identity' \\\n  -H 'Content-Type: application/jose+json' \\\n  -H 'Content-Encoding: identity' \\\n  -H 'X-tw-jose-method: jwe' \\\n  -d 'eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.W0fuxaZOoyaBcx...'\n"
      requestBody:
        required: true
        content:
          application/jose+json:
            schema:
              type: string
              description: 'A JWE encrypted string. The decrypted payload contains:

                - `pin` — A four-digit string.


                Payload before encryption:

                ```json

                {"pin": "1234"}

                ```

                '
            example: <JWE encrypted string>
      responses:
        '200':
          description: The PIN has been successfully created.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: A PIN has already been created for this profile.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
    delete:
      operationId: scaPinDelete
      summary: Delete a PIN
      description: 'Deletes a PIN associated to a profile.


        To update a PIN for a profile, use this endpoint followed by [Create a PIN](/api-reference/sca-pin/scapincreate).


        {% admonition type="warning" %}

        This operation is irreversible.

        {% /admonition %}

        '
      tags:
      - sca-pin
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: The profile ID.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: The PIN has been deleted.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: No PIN has been set up for this profile.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
  /v2/profiles/{profileId}/pin/verify:
    post:
      operationId: scaPinVerify
      summary: Verify a PIN
      description: 'Verifies a PIN challenge when calling a SCA-secured endpoint. Make sure to [create a PIN](/api-reference/sca-pin/scapincreate) before using this endpoint.


        The request and response are encrypted using the JOSE framework. Please refer to the [SCA over API guide](/guides/developer/auth-and-security/sca-over-api) to understand how encryption and decryption work.

        '
      tags:
      - sca-pin
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: The profile ID.
        schema:
          type: integer
          format: int64
      - name: One-Time-Token
        in: header
        required: true
        description: A one-time token unique identifier.
        schema:
          type: string
          format: uuid
      - name: Accept
        in: header
        required: true
        schema:
          type: string
          default: application/jose+json
      - name: Accept-Encoding
        in: header
        required: true
        schema:
          type: string
          default: identity
      - name: Content-Encoding
        in: header
        required: true
        schema:
          type: string
          default: identity
      - name: X-tw-jose-method
        in: header
        required: true
        schema:
          type: string
          default: jwe
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      x-codeSamples:
      - lang: bash
        label: cURL
        source: "curl -X POST \\\n  'https://api.wise-sandbox.com/v2/profiles/{profileId}/pin/verify' \\\n  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \\\n  -H 'Accept: application/jose+json' \\\n  -H 'Accept-Encoding: identity' \\\n  -H 'Content-Type: application/jose+json' \\\n  -H 'Content-Encoding: identity' \\\n  -H 'X-tw-jose-method: jwe' \\\n  -H 'One-Time-Token: <one-time token>' \\\n  -d 'eyJlbmMiOiJBMjU2R0NNIiwiYWxnIjoiUlNBLU9BRVAtMjU2In0.W0fuxaZOoyaBcx...'\n"
      requestBody:
        required: true
        content:
          application/jose+json:
            schema:
              type: string
              description: 'A JWE encrypted string. The decrypted payload contains:

                - `pin` — A four-digit string.


                Payload before encryption:

                ```json

                {"pin": "1234"}

                ```

                '
            example: <JWE encrypted string>
      responses:
        '200':
          description: The PIN has been successfully verified.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/one-time-token'
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: The PIN verification failed or PIN was blocked.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: The PIN was not found or has not been set up.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '429':
          $ref: '#/components/responses/429'
components:
  parameters:
    X-External-Correlation-Id:
      x-global: true
      name: X-External-Correlation-Id
      in: header
      required: false
      description: 'Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. [Learn more](/guides/developer/headers/correlation-id).

        '
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
  schemas:
    one-time-token:
      title: One-Time Token
      x-tags:
      - sca-ott
      type: object
      description: 'A one-time token is generated when accessing an endpoint secured by SCA. This token includes a list of all available challenges to complete.


        You can use the [OTT status endpoint](/api-reference/sca-ott/ottstatusget) to view challenges and their statuses, or use [create SCA session](/api-reference/sca-sessions/scasessioncreate) to manually trigger SCA and return a one-time token.

        '
      properties:
        oneTimeToken:
          type: string
          format: uuid
          description: A one-time token unique identifier.
          example: 5932d5b5-ec13-452f-8688-308feade7834
        challenges:
          type: array
          description: An array of challenges.
          items:
            type: object
            properties:
              primaryChallenge:
                type: object
                properties:
                  type:
                    type: string
                    description: A type of challenge.
                    example: PIN
              passed:
                type: boolean
                description: The status of a challenge.
                example: false
        validity:
          type: integer
          description: The One-Time Token expiration in seconds.
          example: 3600
  headers:
    X-External-Correlation-Id:
      x-global: true
      description: Echoed back when `X-External-Correlation-Id` was included in the request. [Learn more](/guides/developer/headers/correlation-id).
      schema:
        type: string
        format: uuid
        maxLength: 36
      example: f47ac10b-58cc-4372-a567-0e02b2c3d479
    x-trace-id:
      x-global: true
      description: Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.
      schema:
        type: string
      example: fba501b6d453b96789f52338f019341f
  responses:
    '429':
      x-global: true
      description: Rate limit exceeded. Retry after the number of seconds specified in the `Retry-After` header.
      headers:
        Retry-After:
          description: Number of seconds to wait before retrying the request.
          schema:
            type: integer
          example: 5
        X-Rate-Limited-By:
          description: Identifies the rate limiter that triggered the 429 response.
          schema:
            type: string
          example: wise-public-api
        X-External-Correlation-Id:
          $ref: '#/components/headers/X-External-Correlation-Id'
        x-trace-id:
          $ref: '#/components/headers/x-trace-id'
      content:
        application/json:
          schema:
            type: object
  securitySchemes:
    UserToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'User Access Token for making API calls on behalf of a Wise user.


        Can be obtained via two OAuth 2.0 flows:

        - **registration_code grant**: For partners creating users via API

        - **authorization_code grant**: For partners using Wise''s authorization page


        Access tokens are valid for 12 hours and can be refreshed using a refresh token.

        '
    PersonalToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Personal API Token for individual personal or small business users.

        Generated from Wise.com > Settings > Connect and manage apps > API tokens.

        Has limited API access compared to OAuth tokens (PSD2 restrictions apply for EU/UK users).

        '
    ClientCredentialsToken:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: 'Application-level token for partner operations that don''t require a specific user context, such as bulk settlement and card spend controls.


        Obtained via `POST /oauth/token` with Basic Authentication (client-id:client-secret) and `grant_type=client_credentials`.


        Valid for 12 hours. No refresh token — fetch a new token when expired.


        See [create an OAuth token](/api-reference/oauth-token/oauthtokencreate) for details.

        '
    BasicAuth:
      type: http
      scheme: basic
      description: 'Basic Authentication using your Client ID and Client Secret as the username and password.


        Client credentials are provided by Wise when your partnership begins. See [Getting Started](/guides/developer) for details.

        '
x-tagGroups:
- name: Authentication
  tags:
  - oauth-token
- name: Enhanced Security
  tags:
  - jose
- name: Users
  tags:
  - user
  - claim-account
- name: Profiles
  tags:
  - profile
  - activity
  - address
- name: Verification
  tags:
  - kyc-review
  - verification
  - facetec
- name: Strong Customer Authentication
  tags:
  - sca-ott
  - sca-sessions
  - sca-pin
  - sca-facemaps
  - sca-device-fingerprints
  - sca-otp
  - user-security
- name: Balances
  tags:
  - balance
  - balance-statement
  - bank-account-details
  - multi-currency-account
- name: Cards
  tags:
  - card
  - card-sensitive-details
  - 3ds
  - card-kiosk-collection
  - card-order
  - card-transaction
  - spend-limits
  - spend-controls
  - digital-wallet
  - disputes
- name: Quotes
  tags:
  - quote
  - rate
  - comparison
- name: Recipients
  tags:
  - recipient
  - contact
- name: Transfers
  tags:
  - transfer
  - delivery-estimate
  - currencies
  - batch-group
- name: Funding
  tags:
  - payin-deposit-detail
  - direct-debit-account
  - bulk-settlement
  - payins
- name: Webhooks
  tags:
  - webhook
  - webhook-event
- name: Simulations
  tags:
  - simulation
- name: Partner Support
  tags:
  - case