Steps

Update existing webhook subscriptions to schema version 4.0.0, added by Wise in March 2026 to provide consistent millisecond-precision timestamps across all event types
Do not assume webhooks arrive in the order the underlying events occurred — use Wise's Event Ordering guide and the ordering fields on each payload to reconstruct the true sequence
Handle the transfers#payout-failure and transfers#refund webhook events, including the sandbox simulation endpoints added in the May 2026 changelog, when testing failure/refund paths
For KYC-gated flows, watch for the VERIFIED value on the KYC requirement state (added May 2026) in both the webhook payload and API response, not just pending/rejected states
Version-gate your webhook handler so both older (pre-4.0.0) and newer event payloads can be parsed correctly during the subscription migration window

Known gotchas

Webhook delivery order is not guaranteed even on schema 4.0.0 — the version only guarantees consistent millisecond timestamps for sorting, not in-order delivery
Older schema versions may lack fields your handler expects (e.g. structured addresses/previous_instructing_agents were added to the swift-in#credit webhook in schema 4.0.0 on April 13, 2026) — check the schema version on each payload before parsing
Sandbox simulation endpoints for payout-failure and refund webhooks are separate from production behavior; routing sandbox test payloads through the same handler as production without a flag can trigger false incident alerts

Compare webhook redelivery and idempotency guarantees across POS/aggregator providers to design a reliable order-ingestion layer that doesn't process the same event twice

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subscribe to clover order webhooks and reconcile order details via follow-up api calls

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Reconcile out-of-order Wise Platform webhook deliveries using schema v4.0.0 and the event-ordering fields

Steps

Known gotchas

Related routes

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