Wise Platform
Cross-border transfers through Wise, or from a user's existing Wise account.
What it does
Each capability by country. Integrated means Unirail’s adapter does it today; listed means Wise Platform offers it according to its public documentation, and Unirail can’t route it yet.
Banking
- Payouts
banking.payoutsSending money from a balance the provider or the platform holds to a recipient's account.
- listedGBATBEDEEEESFIFRIEITLTLVNLPTSKUS
From this listing's earlier research; not re-checked yet.
Source ↗
Money movement
- FX
money.fxConverting between currencies.
- listedGBATBEDEEEESFIFRIEITLTLVNLPTSKUS
From this listing's earlier research; not re-checked yet.
Source ↗
- Cross-border transfers
money.cross-borderSending money to another country, over local rails or SWIFT.
- listedGBATBEDEEEESFIFRIEITLTLVNLPTSKUS
From this listing's earlier research; not re-checked yet.
Source ↗
One contract that reaches many local rails. Payments through it pass through the provider’s own accounts on the way.
Coverage
Countries
- GB United Kingdom
- AT Austria
- BE Belgium
- DE Germany
- EE Estonia
- ES Spain
- FI Finland
- FR France
- IE Ireland
- IT Italy
- LT Lithuania
- LV Latvia
- NL Netherlands
- PT Portugal
- SK Slovakia
- US United States
Account schemes
payto://ibanIBANpayto://scanUK sort code and account numberpayto://achUS routing and account number (ACH)
Custody
Who holds the money while a payment through Wise Platform is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.
- provider-transitProvider holds in transit
The provider holds the money between collecting it from the payer and paying it out to the payee. Routes like this only appear in quotes when your routing policy admits provider-transit custody.
- payer-own-accountPayer’s own account
The money leaves from an account the payer already holds with the provider, such as their own balance there.
An environment whose policy admits only none still sees these routes in quotes, marked infeasible with this reason.
Who is regulated
Wise under its own licences.
With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Wise Platform with your credentials.
Onboarding
- Sandbox
- Self-serve sandbox
- Production
- Partner programme
Linking a user's own Wise account uses OAuth with mTLS and SCA step-up.
Credentials
Wise Platform has no adapter yet, so there is no folder layout to create. It will appear here when the provider is integrated.
More meta-provider providers
One contract for collections into Airwallex accounts, payouts over local rails in many countries, FX, and UK CoP / EU VoP name checks. Routes through it hold money in transit.
- Payouts
- Virtual accounts
- Confirmation of Payee
- Verification of Payee
- +2
Direct Debit collections across the UK, euro area, Nordics, Australia, New Zealand, Canada and the US, plus Instant Bank Pay, recurring pay by bank and CoP / VoP checks.
- Account details
- Balances
- Transactions
- Direct debits
- +5
US payment operations over the platform's own bank accounts: ACH, wires, RTP, counterparties and reconciliation.
- Payouts
- Direct debits