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Wise simulation API

Use these endpoints to simulate key actions in the sandbox environment, including transfer state changes, balance top-ups, card transactions, KYC reviews, and incoming payments.{% admonition type="info" %}These features are limited to sandbox only.{% /admonition %}

Wise simulation API is one of 47 APIs that Wise publishes on the APIs.io network, described by a machine-readable OpenAPI specification and an AsyncAPI event-driven specification.

Tagged areas include simulation. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an AsyncAPI specification.

This API exposes 15 operations across 15 paths. It is described by OpenAPI 3.1.0.

Requests are made against 2 base URLs: https://api.wise.com, https://api.wise-sandbox.com.

15 operations 15 paths 0 schemas 3 GET12 POST

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.1.0
Base URL
https://api.wise.com/v2
Authentication
HTTP Bearer, HTTP Bearer, HTTP Bearer, HTTP Basic
Resource Areas
1

Authentication & Security 4

Wise simulation API declares 4 security schemes for authenticating requests. It accepts HTTP bearer tokens (JWT) (UserToken). It accepts HTTP bearer tokens (JWT) (PersonalToken). It accepts HTTP bearer tokens (JWT) (ClientCredentialsToken). It accepts HTTP basic authentication (BasicAuth).

  • UserToken — User Access Token for making API calls on behalf of a Wise user. Can be obtained via two OAuth 2.0 flows: - registrationcode grant: For partners creating users…
  • PersonalToken — Personal API Token for individual personal or small business users. Generated from Wise.com Settings Connect and manage apps API tokens. Has limited API access…
  • ClientCredentialsToken — Application-level token for partner operations that don't require a specific user context, such as bulk settlement and card spend controls. Obtained via POST /…
  • BasicAuth — Basic Authentication using your Client ID and Client Secret as the username and password. Client credentials are provided by Wise when your partnership begins.…

Paths & Operations 15

Across 15 paths, the API surfaces 15 operations — 3 GET, 12 POST. Each is listed below with its method, path, parameters, and response codes.

simulation 15

Use these endpoints to simulate key actions in the sandbox environment, including transfer state changes, balance top-ups, card transactions, KYC reviews, and incoming payments. {…

GET
/v1/simulation/transfers/{transferId}/{status}
Simulate transfer state change
simulationTransferStateChange 3 params → 200429
POST
/v1/simulation/profiles/{profileId}/verifications
Simulate verification for a profile
simulationVerification 2 params → 200429
POST
/v1/simulation/verify-profile
Simulate verification for all profiles
simulationVerifyProfile 1 param → 200429
POST
/v1/simulation/balance/topup
Simulate a balance top-up
simulationBalanceTopup 1 param body → 200429
POST
/v2/simulation/spend/profiles/{profileId}/cards/{cardToken}/transactions/authorisation
Simulate a card transaction authorisation
simulationCardTransactionAuthorisation 3 params body → 200429
POST
/v1/simulation/spend/profiles/{profileId}/cards/{cardToken}/transactions/clearing
Simulate a card transaction clearing
simulationCardTransactionClearing 3 params body → 200429
POST
/v1/simulation/spend/profiles/{profileId}/cards/{cardToken}/transactions/reversal
Simulate a card transaction reversal
simulationCardTransactionReversal 3 params body → 200429
GET
/v2/simulation/spend/profiles/{profileId}/cards/{cardToken}/transactions
List simulated card transactions
simulationCardTransactions 4 params → 200429
POST
/v1/simulation/spend/profiles/{profileId}/cards/{cardToken}/production
Simulate card production state change
simulationCardProduction 3 params body → 200429
GET
/v2/simulation/profiles/{profileId}/kyc-reviews/{kycReviewId}/requirements
List KYC review requirements
simulationKycReviewRequirementsList 3 params → 200404429
POST
/v2/simulation/profiles/{profileId}/kyc-reviews/{kycReviewId}/requirements/add
Simulate adding new requirement
simulationKycReviewRequirementsAdd 3 params body → 202400429
POST
/v2/simulation/profiles/{profileId}/kyc-reviews/{kycReviewId}/requirements/submit
Simulate requirement submission
simulationKycReviewRequirementsSubmit 3 params body → 202400429
POST
/v2/simulation/profiles/{profileId}/kyc-reviews/{kycReviewId}/verify
Simulate verifying a KYC review
simulationKycReviewVerify 3 params body → 202400429
POST
/v1/simulation/profiles/{profileId}/bank-transactions/import
Simulate incoming bank transfer
simulationBankTransactionImport 2 params body → 201400429
POST
/v1/simulation/profiles/{profileId}/swift-in
Simulate incoming Swift payment
simulationSwiftIn 2 params body → 200400429

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

wise-simulation-api-openapi.yml Raw ↑

Other APIs Wise publishes across the network.

Wise 3ds API
Wise activity API
Wise address API
Wise balance API
Wise balance-statement API
Wise bank-account-details API
Wise batch-group API
Wise bulk-settlement API
Wise card API
Wise card-kiosk-collection API
Wise card-order API
Wise card-sensitive-details API