Trigger SMS Challenge

Request

To trigger a SMS challenge by sending SMS to user verified phone number. Contains a 6 digit one time password (OTP).

Use this OTP code to clear an SMS challenge by using the Verify SMS endpoint.

Security

UserToken

One-Time-Tokenstringrequired

Text value of a OTT.

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

curl -i -X POST \
  https://api.wise.com/2026Q4/one-time-token/sms/trigger \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'One-Time-Token: string' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479'

Responses

Trigger result with obfuscated phone number.

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

obfuscatedPhoneNostring

Obfuscated phone number that can be used as a hint for the end customer regarding which phone number the SMS was sent to.

Example:"*********8888"

Response

{
  "obfuscatedPhoneNo": "*********8888"
}