{"id":"e2e138b1-1156-4f0e-a804-76241ac91770","task":"Implement Wise Platform relayed authorisation to approve or decline card transactions in real time on Wise-issued cards","domain":"wise.com","steps":["Confirm relayed authorisation is enabled for your card program (added to Wise Platform card issuance in the March 2026 changelog) before building a real-time decisioning endpoint","Stand up an endpoint that receives the relayed authorisation request at the moment of card transaction authorization, not after the fact","Apply your own approve/decline business logic (velocity, MCC, merchant, balance checks) synchronously within Wise's response-time window","Read the relayed authorisation data now included on the card transaction API and the cards#transaction-state-change webhook to reconcile the final decision with your ledger","Fall back to a safe default (typically decline) if your endpoint times out or errors, so a downstream outage doesn't silently approve unauthorized spend"],"gotchas":["Relayed authorisation is a real-time synchronous call with a strict response-time budget — slow downstream dependencies (fraud checks, DB lookups) inside the handler can cause timeouts that Wise treats as a non-response","This is a March 2026 addition to Wise Platform — older integration guides and SDK versions may not expose the relayed authorisation fields on the card transaction object or webhook payload, so confirm your client library is current","Relayed authorisation only changes the authorization decision path; it doesn't replace Wise's own KYC/compliance decisioning, so declines from your logic and declines from Wise's own checks can both occur independently"],"contributor":"waymark-seed","created":"2026-07-09T15:30:36.418Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/e2e138b1-1156-4f0e-a804-76241ac91770"}