Card Transactions

These APIs allow you to retrieve information on transactions that are made on your user's cards.

The API to get a list of card transactions will be deprecated on 01/12/2023

Endpoints

Transaction states

The possible state values are:

IN_PROGRESS - The transaction has been authorized but not captured.
COMPLETED - The transaction has been captured and/or settled.
DECLINED - The transaction has been declined.
CANCELLED - The transaction has been cancelled.
UNKNOWN - Default fallback status if the state can't be confirmed.

The transition from CANCELLED to COMPLETED is an edge case. Wise is releasing the customer funds after 7 days if the merchant has not capture the transaction, the state becomes CANCELLED. But the merchant can decide to capture the transaction after 7 days, the state will then be COMPLETED.

Get a list of card transactions (To be deprecated 01/12/2023)

GET /v3/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions?pageSize=10&pageNumber=1&fromTransactionDate=2022-11-01&toTransactionDate=2022-11-15

This endpoint returns a list of card transactions. If no date range is specified, it retrieves all the transactions from the start.

You can also use the card transaction webhook if you prefer receiving notifications on the go.

You can follow this guide to simulate various card transactions in the sandbox environment.

Fields	Type	Definition	Required
`pageSize`	String	The maximum number of card orders to return per page. This number can be between 10 - 100, and will default to 10	No
`pageNumber`	String	The page number to retrieve the next set of card orders. The number has to be greater than 1, and will default to 1	No
`fromTransactionDate`	String	The start date of the date filter. The format is `YYYY-MM-DD`	No
`toTransactionDate`	String	The end date of the date filter. The format is `YYYY-MM-DD`	No

The possible type values are:

ACCOUNT_CREDIT - Receiving money on the card, excluding Visa OCT or Mastercard MoneySend
ACCOUNT_FUNDING - Sending money to another card or e-wallet
CASH_ADVANCE - Cash disbursement
CASH_WITHDRAWAL - ATM withdrawal
CHARGEBACK - Currently unused. Reserved for future use.
CREDIT_TRANSACTION - Visa OCT and Mastercard MoneySend
ECOM_PURCHASE - Online purchase
POS_PURCHASE - Purchase via a POS Terminal
REFUND - Partial or full refund of an existing card transaction

The possible state values are listed here

When a refund happens, a separate transaction will be added with a REFUND transaction type.

Example Request

curl -X GET https://api.sandbox.transferwise.tech/v3/spend/profiles/{{profileId}}/cards/{{cardToken}}/transactions?pageSize=10&pageNumber=1&fromTransactionDate=2022-11-01&toTransactionDate=2022-11-15 \
     -H 'Authorization: Bearer <your api token>'

Response

Fields	Type	Definition
`totalCount`	Integer	The total number of transactions for this `cardToken`
`transactions`	List<Transaction>	A collection of Transaction for this `cardToken`

Example Response

{
  "transactions": [
    {
      "id": "342671",
      "cardToken": "590b5b72-223d-45f9-b840-0ad4a4f80937",
      "type": "ECOM_PURCHASE",
      "declineReason": null,
      "createdDate": "2022-11-28T08:17:54.241236Z",
      "state": "IN_PROGRESS",
      "cardLastDigits": "3086",
      "transactionAmount": {
        "amount": 1.5,
        "currency": "SGD"
      },
      "fees": [],
      "transactionAmountWithFees": {
        "amount": 1.5,
        "currency": "SGD"
      },
      "merchant": {
        "id": "332512",
        "name": "Test Payment",
        "location": {
          "country": "France",
          "city": "Rouen",
          "zipCode": "00000",
          "region": null,
          "state": null
        },
        "category": {
          "name": "RMiscellaneousAndSpecial",
          "code": "5999",
          "description": "5999 R Miscellaneous and Special"
        }
      },
      "authorisationMethod": "MANUAL_ENTRY",
      "balanceTransactionId": 2598366,
      "debits": [
        {
          "balanceId": 52832,
          "debitedAmount": {
            "amount": 1.06,
            "currency": "EUR"
          },
          "forAmount": {
            "amount": 1.5,
            "currency": "SGD"
          },
          "rate": 1.43073,
          "fee": {
            "amount": 0.01,
            "currency": "EUR"
          }
        }
      ]
    }
  ],
  "totalCount": 1,
}

Get card transaction by ID

GET /v3/spend/profiles/{{profileId}}/cards/transactions/{{transactionId}}

Retrieve a card transaction based on its transaction ID.