Create a Wise Business or Platform account and obtain API credentials (API token) from the Wise Developer portal with the transfers:write and rates:read scopes.
Create a quote via POST /v1/quotes specifying sourceCurrency, targetCurrency, sourceAmount or targetAmount, and type=BALANCE_CONVERSION; the response includes a quoteId and a rate with a validity window (check the current duration in Wise API documentation as it may vary).
Create a recipient account for the seller via POST /v1/accounts specifying currency, type (e.g., aba for US, sort_code for UK), and account holder details; retrieve the accountId.
Create the transfer via POST /v1/transfers referencing the quoteId, target account ID, and a unique customerTransactionId for idempotency; this locks the FX rate for the duration of the quote's validity.
Fund the transfer via POST /v1/transfers/{id}/payments using source_balance_id to pay from your Wise balance; if your Wise balance is in a different currency, Wise converts at the locked rate.
Track status via GET /v1/transfers/{id}; handle outgoing_payment_sent (funds left Wise) and funds_converted (FX complete) milestones, and surface transfer reference number to the seller for their records.
Known gotchas
Wise rate quotes have a limited validity window — if you create the quote, delay the transfer creation, and the window expires, you must create a new quote at the then-current rate, which may be worse; automate quote-to-transfer creation as a single atomic flow.
Wise balance funding for the transfer must be in the quote's source currency; if your Wise balance is in a different currency, Wise will convert, and the rate used for that conversion is separate from the locked quote rate — pre-position the correct currency balance before large payout batches.
Wise Platform (formerly TransferWise for Business API) has separate onboarding from the consumer Wise API; ensure you are using Platform-tier credentials if you are originating payouts on behalf of marketplace sellers rather than for your own business.
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