Onboarding Customers
In order to onboard a customer, you need to create one profile for a person or business.
Once the profile is created you may need to supply additional verification documents (see Additional Customer Verification).
There are some notable fields in the Profile creation APIs that are important for this type of integration:
- The contactDetails fields are mandatory, we require this information for KYC and other mandatory contact scenarios. We do not use these details for marketing.
- The externalCustomerId is an optional field but is recommended so we can offer ways to look up profiles for a customer in future.
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POST /v2/profiles/personal-profile
If a customer you are creating a profile for has first or last names that exceed 30 characters (e.g. they have many middle names) then you should truncate the names at length 30 characters and submit that value.
Occupations is required for CA, IN, JP, ID, IL, MX and within the US for the state NM.
Contact Details are used only for mandatory customer notifications and to help identify your customer if you contact Wise's Customer Support team.
First name (including middle names). Required
Last name. Required
Preferred first name, if different to the legal first name.
First name in Katakana. Required for from-JPY personal transfers
Last name in Katakana. Required for from-JPY personal transfers
First line of address. Required
City. Required
3 Letter country code (lower case). Required
Postal code
State code. Required for US, CA, BR and AU addresses
3 Letter country code (lower case)
Date of birth. Required
An external reference identifier mapping the customer of this profile to your system.
Contact email address. Please speak with your integration account manager for details on how customer communication is handled for your integration. Required
Contact phone number in international phone number format, example: "+1408XXXXXXX". Please speak with your integration account manager for details on how customer communication is handled for your integration. Required
Occupation field code - this field accepts any job or occupation that the customer does, as the only occupation format currently accepted is "FREE_FORM"
.
Occupation field format - the format of the occupation code being submitted. As of now, it only accepts the value "FREE_FORM"
.
curl -X POST https://api.sandbox.transferwise.tech/v2/profiles/personal-profile \-H 'Authorization: Bearer <your api token>' \-H 'Content-Type: application/json' \-H 'X-idempotence-uuid: 054064c9-e01e-49fb-8fd9-b0990b9442f4' \-d '{"firstName": "Oliver","lastName": "Wilson","preferredName": "Olivia","firstNameInKana": null,"lastNameInKana": null,"address": {"addressFirstLine": "50 Sunflower Ave","city": "Phoenix","countryIso3Code": "usa","postCode": "10025","stateCode": "AZ"},"nationality": "usa","dateOfBirth": "1977-07-01","externalCustomerId": "12345-oliver-wilson","contactDetails": {"email": "o.wilson@example.com","phoneNumber": "+3725064992"},"occupations": [{"code": "Software Engineer","format": "FREE_FORM"}]}'
{"id": 30000001,"type": "personal","details": {"firstName": "Oliver","lastName": "Wilson","preferredName": "Olivia","address": {"addressFirstLine": "50 Sunflower Ave","city": "Phoenix","countryIso3Code": "usa","postCode": "10025","stateCode": "AZ"},"nationality": "usa","dateOfBirth": "1977-07-01","externalCustomerId": "12345-oliver-wilson","contactDetails": {"email": "o.wilson@example.com","phoneNumber": "+3725064992"},"occupations": [{"code": "Software Engineer","format": "FREE_FORM"}],"localizedInformation": []}}
POST /v3/profiles/business-profile
(beta)
Create a business profile and its authorized representative in a single request.
Business name
Business name in Katakana (only for Japanese businesses)
Business free form description. *Required if companyType is OTHER. If this is not provided for an OTHER companyType, the profile should not be allowed to create a transfer. For the rest of the companyType(s), it is highly recommended to always provide the business' description, to avoid payment issues such as suspensions. Wise will send a request for information (RFI) if this detail is not provided.
Business registration number
Australian Company Number (only for Australian businesses)
Australian Business Number (only for Australian businesses)
Australian Registered Body Number (only for Australian businesses)
Company legal form. Allowed values:
- LIMITED
- PARTNERSHIP
- SOLE_TRADER
- LIMITED_BY_GUARANTEE
- LIMITED_LIABILITY_COMPANY
- FOR_PROFIT_CORPORATION
- NON_PROFIT_CORPORATION
- LIMITED_PARTNERSHIP
- LIMITED_LIABILITY_PARTNERSHIP
- GENERAL_PARTNERSHIP
- SOLE_PROPRIETORSHIP
- PRIVATE_LIMITED_COMPANY
- PUBLIC_LIMITED_COMPANY
- TRUST
- OTHER
Role of person. Allowed Values:
- OWNER
- DIRECTOR
- OTHER
First line of address
City
2 letter country code.
3 Letter country code. Must be lowercase
Postal code
State code
An external reference identifier mapping the customer of this profile to your system.
Email of the actor
Category of the business
Secondary category of the business
List of operational addresses
First line of address
City
2 letter country code
3 Letter country code. Must be lowercase
Postal code
State code
Business webpage. *Required if companyType is OTHER. If this is not provided for an OTHER companyType, the profile should not be allowed to create a transfer. For the rest of the companyTypes, it is highly recommended to always provide the business' website,to avoid payment issues such as suspensions. Wise will send a request for information (RFI) if this detail is not provided.
ID of a Business Representative. This can be obtained from a previous call to create a business profile, in which case the same bBusiness Representative is linked to the current business effectively sharing it across multiple businesses. When the Business Representative ID is provided in this way it is the only field required for the Business Representative and none of the other fields should be provided.
First name of the person representating the business (including middle names). Required (unless Business Representative ID is provided)
Last name of the person representating the business. Required (unless Business Representative ID is provided)
Preferred first name of the person representing the business, if different to the legal first name.
First line of address of the person representing the business. Required (unless Business Representative ID is provided)
City of the person representing the business. Required (unless Business Representative ID is provided)
3 Letter country code (lower case) of the person representing the business. Required (unless Business Representative ID is provided)
Postal code of the person representing the business
State code of the person representing the business. Required for US, CA, BR and AU addresses (unless Business Representative ID is provided)
Contact email address of the person representing the business. Please speak with your integration account manager for details on how customer communication is handled for your integration. Required (unless Business Representative ID is provided)
Contact phone number in international phone number format, example: "+1408XXXXXXX" of the person representing the business. Please speak with your integration account manager for details on how customer communication is handled for your integration. Required (unless Business Representative ID is provided)
Date of birth of the person representing the business. Required (unless Business Representative ID is provided)
Business Category
Ensure when submitting a business profile that you submit a category and associated sub-category from the list below. You should map from the information you have about the business to one of our categories and sub-categories. If this is problematic please get in touch with us to discuss alternate solutions.
The categories and their sub-categories are as follows:
- CHARITY_NON_PROFIT
- CHARITY_ALL_ACTIVITIES
- CONSULTING_IT_BUSINESS_SERVICES
- ADVERTISING_AND_MARKETING
- ARCHITECTURE
- COMPANY_ESTABLISHMENT_FORMATION_SERVICES
- DESIGN
- FINANCIAL_CONSULTING_ACCOUNTING_TAXATION_AUDITING
- IT_DEVELOPMENT
- IT_HOSTING_SERVICES
- IT_CONSULTING_AND_SERVICES
- LEGAL_SERVICES
- MANAGEMENT_CONSULTING
- SCIENTIFIC_AND_TECHNICAL_CONSULTING
- SOFTWARE_AS_A_SERVICE
- TRANSLATION_AND_LANGUAGE_SERVICES
- CONSULTING_OTHER
- SERVICES_OTHER
- FREELANCE_PLATFORMS
- RECRUITMENT_SERVICES
- MAINTENANCE_SERVICES
- FREELANCE_PLATFORMS
- DESIGN_MARKETING_COMMUNICATIONS
- ADVERTISING_AND_MARKETING
- ARCHITECTURE
- AUDIO_AND_VIDEO
- DESIGN
- PHOTOGRAPHY
- PRINT_AND_ONLINE_MEDIA
- TELECOMMUNICATIONS_SERVICES
- TRANSLATION_AND_LANGUAGE_SERVICES
- MEDIA_COMMUNICATION_ENTERTAINMENT
- ADULT_CONTENT
- AUDIO_AND_VIDEO
- FINE_ARTS
- ARTS_OTHER
- EVENTS_AND_ENTERTAINMENT
- GAMBLING_BETTING_AND_ONLINE_GAMING
- NEWSPAPERS_MAGAZINES_AND_BOOKS
- PERFORMING_ARTS
- PHOTOGRAPHY
- TELECOMMUNICATIONS_SERVICES
- VIDEO_GAMING
- EDUCATION_LEARNING
- SCHOOLS_AND_UNIVERSITIES,
- TEACHING_AND_TUTORING
- ONLINE_LEARNING
- FINANCIAL_SERVICES_PRODUCTS_HOLDING_COMPANIES
- CROWDFUNDING
- CRYPTOCURRENCY_FINANCIAL_SERVICES
- FINANCIAL_CONSULTING_ACCOUNTING_TAXATION_AUDITING
- HOLDING_COMPANIES
- INSURANCE
- INVESTMENTS
- MONEY_SERVICE_BUSINESSES
- FINANCIAL_SERVICES_OTHER
- FOOD_BEVERAGES_TOBACCO
- ALCOHOL
- FOOD_MANUFACTURING_RETAIL
- RESTAURANTS_AND_CATERING
- SOFT_DRINKS
- TOBACCO
- VITAMINS_AND_DIETARY_SUPPLEMENTS
- HEALTH_PHARMACEUTICALS_PERSONAL_CARE
- HEALTH_AND_BEAUTY_PRODUCTS_AND_SERVICES
- DENTAL_SERVICES
- DOCTORS_AND_MEDICAL_SERVICES
- ELDERLY_OR_OTHER_CARE_HOME
- FITNESS_SPORTS_SERVICES
- MEDICAL_EQUIPMENT
- NURSING_AND_OTHER_CARE_SERVICES
- PHARMACEUTICALS
- PHARMACY
- VITAMINS_AND_DIETARY_SUPPLEMENTS
- PUBLIC_GOVERNMENT_SERVICES
- PUBLIC_ALL_SERVICES
- MAINTENANCE_SERVICES
- GOVERNMENT_SERVICES
- TELECOMMUNICATIONS_SERVICES
- UTILITY_SERVICES
- REAL_ESTATE_CONSTRUCTION
- ARCHITECTURE
- CONSTRUCTION
- REAL_ESTATE_DEVELOPMENT
- REAL_ESTATE_SALE_PURCHASE_AND_MANAGEMENT
- RETAIL_WHOLESALE_MANUFACTURING
- AGRICULTURE_SEEDS_PLANTS
- FINE_ARTS
- ARTS_OTHER
- AUTOMOTIVE_SALES_SPARE_PARTS_TRADE
- AUTOMOTIVE_MANUFACTURING
- CHEMICALS
- CLOTHING
- ELECTRICAL_PRODUCTS
- FIREARMS_WEAPONS_AND_MILITARY_GOODS_SERVICES
- HOME_ACCESSORIES_FURNITURE
- FINE_JEWELLERY_WATCHES
- FASHION_JEWELLERY
- HEALTH_AND_BEAUTY_PRODUCTS_AND_SERVICES
- LEGAL_HIGHS_AND_RELATED_ACCESSORIES
- MACHINERY
- PETS
- PRECIOUS_STONES_DIAMONDS_AND_METALS
- SPORTING_EQUIPMENT
- MANUFACTURING_OTHER
- RETAIL_WHOLESALE_MARKETPLACE_AUCTION
- RETAIL_WHOLESALE_OTHER
- TOYS_AND_GAMES
- TRAVEL_TRANSPORT_TOUR_AGENCIES
- ACCOMMODATION_HOTELS
- PASSENGER_TRANSPORT
- FREIGHT_TRANSPORT
- RIDESHARING_TRANSPORT_SHARING_SERVICES
- TRANSPORT
- TRAVEL_AGENCIES
- TOUR_OPERATORS
- TRAVEL_OR_TOUR_ACTIVITIES_OTHER
- OTHER
- OTHER_NOT_LISTED_ABOVE
curl -X POST https://api.sandbox.transferwise.tech/v3/profiles/business-profile \-H 'Authorization: Bearer <your api token>' \-H 'Content-Type: application/json' \-H 'X-idempotence-uuid: 054064c9-e01e-49fb-8fd9-b0990b9442f4' \-d '{"businessName": "ABC Logistics Ltd","businessNameInKatakana": null,"businessFreeFormDescription": "Biz free form desc","registrationNumber": "12144939","acn": null,"abn": null,"arbn": null,"companyType": "LIMITED","companyRole": "OWNER","address": {"addressFirstLine": "1 A road","city": "London","countryIso2Code": "gb","countryIso3Code": "gbr","postCode": "11111"},"externalCustomerId": "67890-biz-acct","actorEmail": "biz-acct@abcl.com","firstLevelCategory": "CONSULTING_IT_BUSINESS_SERVICES","secondLevelCategory": "DESIGN","operationalAddresses": [{"addressFirstLine": "1 A road","city": "London","countryIso2Code": "gb","countryIso3Code": "gbr","postCode": "11111"}],"webpage": "https://abc-logistics.com","businessRepresentative": {"firstName": "Oliver","lastName": "Wilson","preferredName": "Olivia","address": {"addressFirstLine": "50 Sunflower Ave","city": "Phoenix","countryIso3Code": "usa","postCode": "10025","stateCode": "AZ"},"dateOfBirth": "1977-07-01","contactDetails": {"email": "o.wilson@example.com","phoneNumber": "+3725064992"}}}'
curl -X POST https://api.sandbox.transferwise.tech/v3/profiles/business-profile \-H 'Authorization: Bearer <your api token>' \-H 'Content-Type: application/json' \-H 'X-idempotence-uuid: 054064c9-e01e-49fb-8fd9-b0990b9442f4' \-d '{"businessName": "ABC Logistics Ltd","businessNameInKatakana": null,"businessFreeFormDescription": "Biz free form desc","registrationNumber": "12144939","acn": null,"abn": null,"arbn": null,"companyType": "LIMITED","companyRole": "OWNER","address": {"addressFirstLine": "1 A road","city": "London","countryIso2Code": "gb","countryIso3Code": "gbr","postCode": "11111"},"externalCustomerId": "67890-biz-acct","actorEmail": "biz-acct@abcl.com","firstLevelCategory": "CONSULTING_IT_BUSINESS_SERVICES","secondLevelCategory": "DESIGN","operationalAddresses": [{"addressFirstLine": "1 A road","city": "London","countryIso2Code": "gb","countryIso3Code": "gbr","postCode": "11111"}],"webpage": "https://abc-logistics.com","businessRepresentative": {"businessRepresentativeId": 123}}'