openapi: 3.1.0
info:
  title: Wise Platform 3ds webhook 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: webhook
  x-displayName: Subscriptions
  description: 'Manage webhook subscriptions at both the application and profile level. Create, list, retrieve, and delete subscriptions, as well as test your webhook endpoints.


    For more information on creating and managing webhooks, and specific event types, see [Webhooks & Notifications](/guides/developer/webhooks).

    '
paths:
  /v3/applications/{clientKey}/subscriptions:
    post:
      operationId: webhookApplicationSubscriptionCreate
      summary: Create Application Webhook Subscription
      description: 'Create a webhook subscription at the application level.


        `clientKey` can be received upon obtaining client credentials from our tech support.

        '
      tags:
      - webhook
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: clientKey
        in: path
        required: true
        description: Your application's client key.
        schema:
          type: string
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/subscription-request'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/subscription'
          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'
    get:
      operationId: webhookApplicationSubscriptionList
      summary: List Application Webhook Subscriptions
      description: List all webhook subscriptions for your application.
      tags:
      - webhook
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: clientKey
        in: path
        required: true
        description: Your application's client key.
        schema:
          type: string
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/subscription'
          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'
  /v3/applications/{clientKey}/subscriptions/{subscriptionId}:
    get:
      operationId: webhookApplicationSubscriptionGet
      summary: Get Application Webhook Subscription
      description: Retrieve an application webhook subscription by its identifier.
      tags:
      - webhook
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: clientKey
        in: path
        required: true
        description: Your application's client key.
        schema:
          type: string
      - name: subscriptionId
        in: path
        required: true
        description: UUID of the subscription.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/subscription'
          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: webhookApplicationSubscriptionDelete
      summary: Delete Application Webhook Subscription
      description: Delete an application webhook subscription by its identifier.
      tags:
      - webhook
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: clientKey
        in: path
        required: true
        description: Your application's client key.
        schema:
          type: string
      - name: subscriptionId
        in: path
        required: true
        description: UUID of the subscription.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: No Content.
          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'
  /v3/applications/{clientKey}/subscriptions/{subscriptionId}/test-notifications:
    post:
      operationId: webhookApplicationSubscriptionTest
      summary: Test Application Webhook Subscription
      description: 'Generate test notifications for an existing application subscription.


        Test notifications will have the correct structure for their source subscription''s event type and version, and will contain "dummy" data. These data include random UUIDs, entity IDs of zero, current dates and times, and hard-coded status codes.


        Test notifications are delivered with the usual notification HTTP request headers, including a unique delivery ID for the notification, and a "test notification" flag set to true. You can check for the presence of this test flag to determine that an incoming notification is a test notification which should not be processed as real data. See the section [Event HTTP requests](/guides/developer/webhooks/event-handling#requests) for more information on request headers.


        When test notifications are created with the API, they are queued for sending in the same way as non-test notifications. This means that there may be some delay in notification delivery, and delivery failures will result in attempts to redeliver the notification later. The API returns the delivery IDs of the notifications that have been successfully queued for sending, which can be correlated with the delivery ID header values for notifications you later receive.


        {% admonition type="info" %}

        This test notification API is only available for application-based subscriptions. Profile-based subscriptions do not currently support this testing feature.

        {% /admonition %}

        '
      tags:
      - webhook
      security:
      - ClientCredentialsToken: []
      parameters:
      - name: clientKey
        in: path
        required: true
        description: Your application's client key.
        schema:
          type: string
      - name: subscriptionId
        in: path
        required: true
        description: UUID of the subscription.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/test-notification'
          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'
  /v3/profiles/{profileId}/subscriptions:
    post:
      operationId: webhookProfileSubscriptionCreate
      summary: Create Profile Webhook Subscription
      description: Create a webhook subscription at the profile level.
      tags:
      - webhook
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: ID of the profile you are subscribing to.
        schema:
          type: integer
          format: int64
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/subscription-request'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/subscription'
              example:
                id: 72195556-e5cb-495e-a010-b37a4f2a3043
                name: 'Webhook Subscription #1'
                delivery:
                  version: 4.0.0
                  url: https://your.webhook.url/12345
                trigger_on: transfers#state-change
                scope:
                  domain: profile
                  id: <your profile ID>
                created_by:
                  type: user
                  id: <your user ID>
                created_at: '2019-10-10T13:55:57Z'
          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'
    get:
      operationId: webhookProfileSubscriptionList
      summary: List Profile Webhook Subscriptions
      description: List all webhook subscriptions for a profile.
      tags:
      - webhook
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: ID of the profile.
        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/subscription'
              example:
              - id: e889e085-3677-4110-be26-3e9160ac9f25
                name: '#1 subscription'
                delivery:
                  version: 2.0.0
                  url: https://your.webhook.url/12345
                trigger_on: transfers#state-change
                scope:
                  domain: profile
                  id: <your profile ID>
                created_by:
                  type: user
                  id: <your user ID>
              - id: eabeb3f5-c134-4a1c-99e2-86a1163daf1b
                name: '#2 subscription'
                delivery:
                  version: 2.0.0
                  url: https://your.webhook.url/12345
                trigger_on: transfers#state-change
                scope:
                  domain: profile
                  id: <your profile ID>
                created_by:
                  type: user
                  id: <your user ID>
          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'
  /v3/profiles/{profileId}/subscriptions/{subscriptionId}:
    get:
      operationId: webhookProfileSubscriptionGet
      summary: Get Profile Webhook Subscription
      description: Retrieve a profile webhook subscription by its identifier.
      tags:
      - webhook
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: ID of the profile.
        schema:
          type: integer
          format: int64
      - name: subscriptionId
        in: path
        required: true
        description: UUID of the subscription.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/subscription'
              example:
                id: f215f353-35fd-405b-b27f-4fd603c905ed
                name: 'Webhook Subscription #1'
                delivery:
                  version: 2.0.0
                  url: https://your.webhook.url/12345
                trigger_on: balances#credit
                scope:
                  domain: profile
                  id: <your profile ID>
                created_by:
                  type: user
                  id: <your user ID>
                created_at: '2008-09-15T15:53:00Z'
          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: webhookProfileSubscriptionDelete
      summary: Delete Profile Webhook Subscription
      description: Delete a profile webhook subscription by its identifier.
      tags:
      - webhook
      security:
      - UserToken: []
      parameters:
      - name: profileId
        in: path
        required: true
        description: ID of the profile.
        schema:
          type: integer
          format: int64
      - name: subscriptionId
        in: path
        required: true
        description: UUID of the subscription.
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/X-External-Correlation-Id'
      responses:
        '204':
          description: No Content.
          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:
    subscription:
      title: Subscription
      type: object
      properties:
        id:
          type: string
          format: uuid
          description: UUID that uniquely identifies the subscription.
          example: 72195556-e5cb-495e-a010-b37a4f2a3043
        name:
          type: string
          description: A custom name for your webhook to ease with identification.
          example: 'Webhook Subscription #1'
        trigger_on:
          type: string
          description: 'The event type this subscription is listening for. [List of available events](/guides/developer/webhooks/event-types).

            '
          example: transfers#state-change
        delivery:
          type: object
          properties:
            version:
              type: string
              description: The event representation semantic version.
              example: 4.0.0
            url:
              type: string
              description: The URL where your server will be listening for events.
              example: https://your.webhook.url/12345
        scope:
          type: object
          properties:
            domain:
              type: string
              description: Scope of this subscription (e.g. "application" or "profile").
              example: application
            id:
              type: string
              description: ID associated with the scope (client key or profile ID).
              example: <your client key>
        created_by:
          type: object
          properties:
            type:
              type: string
              description: Creator type (e.g. "application" or "user").
              example: application
            id:
              type: string
              description: ID of the creator.
              example: <your client ID>
        created_at:
          type: string
          format: date-time
          description: Timestamp of when the subscription was created.
          example: '2019-10-10T13:55:57Z'
    subscription-request:
      title: Subscription Request
      type: object
      required:
      - name
      - trigger_on
      - delivery
      properties:
        name:
          type: string
          description: A custom name for your webhook to ease with identification.
          example: 'Webhook Subscription #1'
        trigger_on:
          type: string
          description: '[Choose from a list of available events](/guides/developer/webhooks/event-types).

            '
          example: transfers#state-change
        delivery:
          type: object
          required:
          - version
          - url
          properties:
            version:
              type: string
              description: The event representation semantic version.
              example: 4.0.0
            url:
              type: string
              description: The URL where your server will be listening for events.
              example: https://your.webhook.url/12345
    test-notification:
      title: Test Notification
      type: object
      properties:
        delivery_id:
          type: string
          format: uuid
          description: ID of the delivery that was queued for sending.
          example: 4a6b9810-4279-4de5-8d8d-1a6cf3b92a75
        created_at:
          type: string
          format: date-time
          description: Timestamp of when the test notification was created.
          example: '2019-03-28T11:22:33Z'
  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