Wise
Configure Wise as a payout processor on Juspay Hyperswitch for cross-border money transfers via SEPA, SWIFT, and ACH.
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.
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
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:
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
A Wise Business account with API access enabled. Contact wise.com/business for onboarding.
A registered Hyperswitch account, accessible from the Hyperswitch control center.
API token and Profile ID from your Wise Business account settings.
Steps to activate a connector on the Hyperswitch control center
Connector implementation: crates/hyperswitch_connectors/src/connectors/wise.rs.
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