# Wise

Wise connects to Hyperswitch as a `PayoutProcessor` for cross-border money transfers. It supports card payouts and bank rail transfers (SEPA, SWIFT, ACH) internationally. Wise is purpose-built for international payouts and handles currency conversion natively.

### Authentication

Wise uses `BodyKey` authentication — two credentials are required.

| Credential            | Description                                                                                                     |
| --------------------- | --------------------------------------------------------------------------------------------------------------- |
| **API Key**           | Wise API token. Found in the Wise Business account under Settings → API tokens.                                 |
| **Profile ID (Key1)** | Wise profile ID identifying your business account. Found in the Wise Business account under Settings → Profile. |

### Supported Payout Methods

| Method         | Rails / Networks    | Notes                                                             |
| -------------- | ------------------- | ----------------------------------------------------------------- |
| Cards          | Major card networks | Card payouts globally                                             |
| Bank transfers | SEPA, SWIFT, ACH    | Local and international bank account transfers with FX conversion |

### Payout Flows

Wise implements the following Hyperswitch payout flows:

| Flow              | Description                                                        |
| ----------------- | ------------------------------------------------------------------ |
| **PoQuote**       | Requests a transfer quote (exchange rate, fee, estimated delivery) |
| **PoRecipient**   | Creates or verifies the transfer recipient's bank account          |
| **PoCreate**      | Creates the transfer using the quote and recipient                 |
| **PoFulfill**     | Funds and executes the transfer                                    |
| **PoEligibility** | Checks whether the payout method is eligible                       |
| **PoCancel**      | Cancels a pending transfer                                         |
| **PoSync**        | Retrieves the current transfer status                              |

### Common Failure Modes

**Invalid profile ID** Symptom: Wise returns a profile not found or unauthorized error. Fix: Verify the Profile ID (Key1) matches your Wise business profile ID. Personal and business profiles have separate IDs — use the business profile for payouts.

**Quote expired** Symptom: Transfer creation fails after a delay. Fix: Wise quotes expire after a short window. Ensure PoCreate is called immediately after PoQuote. If the quote has expired, request a new quote.

**Recipient validation failed** Symptom: Recipient creation fails with account validation error. Fix: Confirm the bank account details (IBAN, sort code, account number, routing number) are correct for the target country. Wise validates recipient accounts against local banking rules.

***

### Activating Wise Payouts via Hyperswitch

#### Prerequisites

1. A Wise Business account with API access enabled. Contact [wise.com/business](https://wise.com/business) for onboarding.
2. A registered Hyperswitch account, accessible from the [Hyperswitch control center](https://app.hyperswitch.io/).
3. API token and Profile ID from your Wise Business account settings.

[Steps to activate a connector on the Hyperswitch control center](/integrations/connectors-integrations/activate-connector-on-hyperswitch.md)

***

Connector implementation: `crates/hyperswitch_connectors/src/connectors/wise.rs`.


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