Payment instrument creation

Request

Returns a link that allows a user to complete a payment instrument flow via either a redirect or embedded iframe/webview.

View Embedded Flows - Payment Instruments to see what data the frontend is returned upon flow completion.

Security

UserToken

Path

profileIdinteger, (int64)required

The profile ID.

X-External-Correlation-Idstring, (uuid), <= 36 characters

Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. Learn more.

Example:f47ac10b-58cc-4372-a567-0e02b2c3d479

Bodyapplication/jsonrequired

redirectUrlstring, (uri)required

URL where the user will be redirected when the flow resolves. This will also include query parameters based on flow completion state and created payment instrument ID.

View Embedded Flows - Payment Instruments for more information.

Example:"https://example.com/return"

methodstringrequired

The method the payment instrument is created for.

Enum:"BACS""SEPA""ACH""EFT"

Example:"BACS"

curl -i -X POST \
  'https://api.wise.com/2026Q3/profiles/{profileId}/embedded-flows/link-requests/payment-instrument' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "redirectUrl": "https://example.com/return",
    "method": "BACS"
  }'

Responses

Embedded link request created.

Headers

X-External-Correlation-Idstring, (uuid), <= 36 characters

Echoed back when X-External-Correlation-Id was included in the request. Learn more.

Example:"f47ac10b-58cc-4372-a567-0e02b2c3d479"

x-trace-idstring

Unique trace identifier assigned by Wise. Useful when contacting support about a specific request.

Example:"fba501b6d453b96789f52338f019341f"

Bodyapplication/json

urlstring, (uri)required

Unique URL to open or embed for the user.

Example:"https://wise-sandbox.com/embedded-flows?embeddedLinkRequestId=9f5f5812-2609-4e48-8418-b64437c0c7cd#token=0d0bdc88-bcf4-43dd-85be-7ca65441db20"

expiresAtstring, (date-time)required

Timestamp when the returned flow URL expires.

Example:"2026-06-15T13:23:20.265Z"

Response

{
  "url": "https://wise-sandbox.com/embedded-flows?embeddedLinkRequestId=9f5f5812-2609-4e48-8418-b64437c0c7cd#token=0d0bdc88-bcf4-43dd-85be-7ca65441db20",
  "expiresAt": "2026-06-15T13:23:20.265Z"
}