Simulate a transfer delivery update

Request

Triggers a synthetic transfers#delivery-update webhook for a transfer accessible to the caller. Create an eligible webhook subscription before calling this endpoint. See the delivery update guide for subscription setup and webhook handling.

Available in sandbox only, from API version 2026Q4.
Does not change the transfer or payout state and does not require a particular transfer state.
A 200 response confirms acceptance for webhook processing, not delivery to your callback. Webhook delivery is asynchronous and requires a matching subscription.

Each successful call generates a new observation. Repeating the request creates another observation rather than replaying the previous one. Correlate the response with the webhook using observation_id and occurred_at.

Security

UserToken

Path

transferIdinteger, (int64)required

The ID of the transfer to simulate. The caller must have access to this transfer.

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

schemestring or null

Payment scheme to include in the observation. May be omitted or null.

Enum:"sepa_instant_credit_transfer"null

delivery_update_pathArray of strings, non-empty, uniquerequired

Delivery signals supported by the simulated route, not a history of events. Select one or more distinct values in this progression order: partner_accepted, recipient_provider_accepted, scheme_settled, account_credited, funds_available. Values may be skipped. The service validates the order and requires this array to contain delivery_update.

delivery_updatestringrequired

The delivery signal to simulate. Must be a member of delivery_update_path, but need not be its last item.

Enum:"partner_accepted""recipient_provider_accepted""scheme_settled""account_credited""funds_available"

estimated_delivery_atstring or null, (date-time)

Optional estimated delivery time. May be omitted or null. Published timestamps are truncated to milliseconds.

curl -i -X POST \
  'https://api.wise-sandbox.com/2026Q4/simulation/transfers/{transferId}/delivery-update' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -H 'X-External-Correlation-Id: f47ac10b-58cc-4372-a567-0e02b2c3d479' \
  -d '{
    "scheme": "sepa_instant_credit_transfer",
    "delivery_update_path": [
      "recipient_provider_accepted",
      "scheme_settled"
    ],
    "delivery_update": "recipient_provider_accepted",
    "estimated_delivery_at": "2026-10-01T10:00:05.000Z"
  }'

Responses

Observation accepted for asynchronous webhook processing.

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

observation_idstring, (uuid)required

Server-generated observation identifier. Matches data.observation_id in the webhook.

occurred_atstring, (date-time)required

Server-generated observation time in UTC with millisecond precision. Matches data.occurred_at in the webhook.

Response

{
  "observation_id": "550e8400-e29b-41d4-a716-446655440000",
  "occurred_at": "2026-10-01T10:00:00.123Z"
}