Wise API
Wise API
Wise API (formerly TransferWise) provides low-cost international transfers — mid-market exchange rate + transparent fees, 5-10x cheaper than traditional SWIFT.
Mid-market exchange rate (no spread markup like PayPal/banks)
Some country partnerships limited
Create business account at wise.com + apply for API access. GET /v1/profiles for your profile, POST /v3/quotes for FX quote.
Uptime · 30-day window
About this API
Wise is a London fintech company founded 2011 (formerly TransferWise, renamed Wise in 2021 IPO). Business model revolution: traditional international transfers (SWIFT) layer bank spread + fees, so $1000 sent from US to Europe actually arrives as €950 worth $950; Wise uses mid-market rate + transparent small fee, $1000 to Europe arrives close to $990 value. Technically: Wise has local bank accounts in every country; "international transfer" is actually "money in via US account in USD, out via European account in EUR" reconciliation, bypassing SWIFT clearing. Wise API for platforms and enterprises: marketplaces paying international sellers, SaaS collecting international subscriptions, Payroll companies paying cross-border salaries, crypto exchanges fiat off-ramp. vs. Adyen Payouts, bank SWIFT: Wise is nearly unbeatable for small-to-mid international transfers (< $50k per transaction).
What you can build
- 1Platforms paying international contractors / freelancers
- 2Crypto exchange fiat off-ramp
- 3Cross-border payroll
- 4Subscription services accepting non-USD payments
Strengths & limitations
Strengths
- Mid-market exchange rate (no spread markup like PayPal/banks)
- 50+ currency local accounts (collect USD/EUR/GBP via local accounts)
- Fast settlement (most via local rails, hours to arrive)
Limitations
- Some country partnerships limited
- Business account review is strict
- High-volume platform model requires dedicated Wise Platform plan
Example request
curl https://wise.com/<endpoint> \
-H "Authorization: Bearer $API_KEY"
# Some providers use X-Api-Key instead — verify in the docs.Getting started
Create business account at wise.com + apply for API access. GET /v1/profiles for your profile, POST /v3/quotes for FX quote.
FAQ
Can it integrate with Stripe Connect flows?+
Not directly. Stripe Connect uses its own payout system. But you can use Stripe to collect → withdraw to bank → Wise to pay international sellers.
Does it work in mainland China?+
Wise doesn't directly service mainland China individuals / businesses (regulatory restrictions). But you can transfer to mainland China accounts to receive (RMB).
Technical details
- Auth type
- api_key
- Pricing
- paid
- Rate limit
- 默认 100 req/分；自助升级
- Protocols
- REST
- SDKs
- python, javascript, java, go
- Response time
- 945 ms
- Last health check
- 5/12/2026, 7:38:40 AM