openapi: 3.1.0
info:
  title: Wise Platform 3ds user-security 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: user-security
  x-displayName: User Security
  description: '{% admonition type="warning" %}

    These endpoints are deprecated. Please refer to [PIN](/api-reference/sca-pin), [Facemaps](/api-reference/sca-facemaps), and [Device Fingerprints](/api-reference/sca-device-fingerprints) to integrate with SCA.

    {% /admonition %}


    User security allows users to set up security-related protections over the API.

    '
paths:
  /v1/application/users/{userId}/phone-numbers:
    get:
      deprecated: true
      operationId: userSecurityPhoneNumberList
      summary: List Phone Numbers
      description: 'List verified phone numbers for a user.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/phone-number'
          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'
  /v1/application/users/{userId}/phone-numbers/{phoneNumberId}:
    put:
      deprecated: true
      operationId: userSecurityPhoneNumberUpdate
      summary: Update Phone Number
      description: 'Update a verified phone number for a user.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - name: phoneNumberId
        in: path
        required: true
        description: ID of a phone number.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                phoneNumber:
                  type: string
                  description: A valid phone number in string.
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/phone-number'
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '422':
          description: The phone number is already associated with another account.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                        message:
                          type: string
              example:
                errors:
                - code: phone.number.repeated
                  message: It's linked to an account with the email ****@wise.com
          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'
  /v1/user/pin:
    post:
      deprecated: true
      operationId: userSecurityPinCreate
      summary: Create PIN
      description: 'Create PIN for a user as a form of authentication.


        Can be used to [verify pin](/api-reference/sca-pin/ottpinverify) when accessing a strongly protected endpoint via [One Time Token Framework](/api-reference/sca-ott).


        The request and response are encrypted using the JOSE framework. Please refer to the [JOSE JWE guide](/guides/developer/auth-and-security/jose-jwe) to understand how encryption and decryption work.

        '
      tags:
      - user-security
      security:
      - UserToken: []
      parameters:
      - 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/v1/user/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 'eyJlbmMiOiJBMjU2R0NNIiwi...'\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:
        '204':
          description: PIN is created successfully.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: PIN has already been created.
          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'
  /v1/users/{userId}/pin:
    delete:
      deprecated: true
      operationId: userSecurityPinDelete
      summary: Delete PIN
      description: 'Remove the PIN from the user''s account.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: PIN is deleted successfully.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: PIN is not setup for this user.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                        message:
                          type: string
              example:
                errors:
                - code: pin.not.setup
                  message: PIN has not been setup.
          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'
  /v1/user/facemap/enrol:
    post:
      deprecated: true
      operationId: userSecurityFacemapEnrol
      summary: Enrol FaceMap
      description: 'Facial biometric enrolment for Strong Customer Authentication (SCA).


        Can be used to [verify facemap](/api-reference/sca-facemaps/ottfacemapverify) when accessing a strongly protected endpoint via [One Time Token Framework](/api-reference/sca-ott).

        '
      tags:
      - user-security
      security:
      - UserToken: []
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                faceMap:
                  type: string
                  description: 'Base64-encoded binary data as a string.


                    For more details how to get this binary, please read FaceTec''s [export API](https://dev.facetec.com/api-guide#export-3d-facemap).


                    To retrieve Wise''s FaceTec public key, please refer to our FaceTec''s [Get Public Key API](/api-reference/facetec/facetecpublickeyget).

                    '
      responses:
        '204':
          description: Enrollment is successful.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: FaceMap has already been enrolled.
          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'
      parameters:
      - $ref: '#/components/parameters/X-External-Correlation-Id'
  /v1/users/{userId}/facemap/enrol:
    delete:
      deprecated: true
      operationId: userSecurityFacemapDelete
      summary: Delete FaceMap
      description: 'Remove the FaceMap from the user''s account.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: FaceMap is deleted successfully.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: FaceMap is not setup for this user.
          content:
            application/json:
              schema:
                type: object
                properties:
                  errors:
                    type: array
                    items:
                      type: object
                      properties:
                        code:
                          type: string
                        message:
                          type: string
              example:
                errors:
                - code: facemap.not.setup
                  message: FaceMap has not been setup.
          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'
  /v1/user/partner-device-fingerprints:
    post:
      deprecated: true
      operationId: userSecurityDeviceFingerprintCreate
      summary: Create Device Fingerprint
      description: 'A device fingerprint represents a string that identifies a unique device.


        This endpoint is used to register the fingerprint of the device as one of the allowed devices used during an One Time Token (OTT) challenge.


        This can be used to [verify device fingerprint](/api-reference/sca-device-fingerprints/ottdevicefingerprintverify) when clearing a [OTT](/api-reference/sca-ott).


        The request and response are encrypted using the JOSE framework. Please refer to the [JOSE JWE guide](/guides/developer/auth-and-security/jose-jwe) to understand how encryption and decryption work.

        '
      tags:
      - user-security
      security:
      - UserToken: []
      parameters:
      - 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/v1/user/partner-device-fingerprints' \\\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:

                - `deviceFingerprint` — A string value used as a device fingerprint.


                Payload before encryption:

                ```json

                {"deviceFingerprint": "3207da22-a0d3-4b6b-a591-6297e646fe32"}

                ```

                '
            example: <JWE encrypted string>
      responses:
        '200':
          description: The device fingerprint has been successfully created.
          content:
            application/json:
              schema:
                type: object
                properties:
                  deviceFingerprintId:
                    type: string
                    format: uuid
                    description: Identifier of the device fingerprint.
                  createdAt:
                    type: string
                    format: date-time
                    description: Timestamp on when the device fingerprint was created.
              example:
                deviceFingerprintId: 636a5514-aa86-4719-8700-e9a9a0ae7ea7
                createdAt: '2024-05-24T07:27:58.273205554Z'
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '400':
          description: Maximum number of device fingerprints reached (defaulted to 3).
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '409':
          description: The device fingerprint has already been created.
          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'
  /v1/users/{userId}/partner-device-fingerprints:
    get:
      deprecated: true
      operationId: userSecurityDeviceFingerprintList
      summary: List Device Fingerprints
      description: 'Returns a list of device fingerprints created for this user.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: array
                items:
                  type: object
                  properties:
                    deviceFingerprintId:
                      type: string
                      format: uuid
                      description: Identifier of the device fingerprint.
                    createdAt:
                      type: string
                      format: date-time
                      description: Timestamp on when the device fingerprint was created.
              example:
              - deviceFingerprintId: 636a5514-aa86-4719-8700-e9a9a0ae7ea7
                createdAt: '2024-05-24T07:27:58.273205554Z'
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: The user is not found.
          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'
  /v1/users/{userId}/partner-device-fingerprints/{deviceFingerprintId}:
    delete:
      deprecated: true
      operationId: userSecurityDeviceFingerprintDelete
      summary: Delete Device Fingerprint
      description: 'Remove a specific device fingerprint from the allowed devices of a user.


        {% admonition type="warning" %}

        This endpoint is restricted and requires both a client credentials token and additional access to use. Please speak with your implementation manager if you would like to use this API.

        {% /admonition %}

        '
      tags:
      - user-security
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: userId
        in: path
        required: true
        description: User ID.
        schema:
          type: integer
          format: int64
      - name: deviceFingerprintId
        in: path
        required: true
        description: Device fingerprint ID.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: Device fingerprint has been successfully removed.
          headers:
            X-External-Correlation-Id:
              $ref: '#/components/headers/X-External-Correlation-Id'
            x-trace-id:
              $ref: '#/components/headers/x-trace-id'
        '404':
          description: User or deviceFingerprintId is not found.
          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:
    phone-number:
      title: Phone Number
      type: object
      properties:
        id:
          type: integer
          format: int64
          description: ID of the phone number.
          example: 1230944
        phoneNumber:
          type: string
          description: A text representation of phone number.
          example: '+6588888888'
        type:
          type: string
          description: 'Type of phone number when used in authentication.


            Only **PRIMARY** is supported at the moment.

            '
          example: PRIMARY
        verified:
          type: boolean
          description: Indicator if phone number is verified.
          example: true
        clientId:
          type: string
          description: Client ID of which this phone number belongs to.
          example: clientId
  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