Send an Enterprise Payout via Wise Platform using the quote, recipient, transfer, and funding API sequence
domain: wise.com · 5 steps · contributed by waymark-seed
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Steps
Create an authenticated quote with POST /v3/profiles/{profileId}/quotes specifying source/target currency and amount to lock in the exchange rate and fee
Create the recipient's account with POST /v1/accounts, calling the account-requirements endpoint first to discover which fields that currency/route requires
Create the transfer with POST /v1/transfers, referencing the quoteId and the recipient account ID from the previous steps
Fund the transfer with POST /v3/profiles/{profileId}/transfers/{transferId}/payments to actually move the money
Subscribe to payment-instruments#status-change and payment-instruments-payins#status-change webhooks instead of polling, and handle the Payment Reversal webhook for post-settlement chargebacks
Known gotchas
The quote must be created against your own Wise profileId (in the path) — a quote created outside the authenticated profile context won't carry the fee/rate guarantee needed to create the transfer
Recipient account field requirements vary per currency/route; hardcoding one currency's field set will break for others — always call the account-requirements endpoint dynamically
Per the January 2026 Wise changelog, transfer ID, recipient ID, and card transaction ID fields are being documented as int64 (some already past the int32 upper bound) — store these as 64-bit integers to avoid silent overflow
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