# Fund a Transfer from Your Wise Balance

Learn how to fund transfers using your Wise multi-currency account balance.

## Overview

The fund transfer endpoint is the final step in executing a payout when using a Wise balance. Once called, Wise immediately begins processing the transfer if sufficient funds are available.

**Endpoint:** `POST /v3/profiles/{profileId}/transfers/{transferId}/payments`

## Before you begin

- **Create your transfer**: You must have already created a transfer.
- **Check your balance**: Ensure you have sufficient funds in the appropriate currency balance


## Fund a transfer

To fund a transfer from your balance, make a POST request with `type` set to `BALANCE`:

#### Request body


```bash
curl -X POST \
  https://api.sandbox.transferwise.tech/v3/profiles/{profileId}/transfers/{transferId}/payments \
  -H 'Authorization: Bearer YOUR_API_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "type": "BALANCE"
  }'
```

#### Parameters

| Parameter | Type | Required | Description |
|  --- | --- | --- | --- |
| `profileId` | integer | Yes | The ID of the profile that created the transfer (personal or business) |
| `transferId` | integer | Yes | The ID of the transfer to fund |
| `type` | string | Yes | Must be `"BALANCE"` to fund from your multi-currency account |


## Successful funding

When your balance has sufficient funds, you'll receive a `COMPLETED` status:

#### Response


```json
{
  "type": "BALANCE",
  "status": "COMPLETED",
  "errorCode": null
}
```

#### Parameters

| Field | Type | Description |
|  --- | --- | --- |
| `type` | string | The funding type used (`BALANCE`) |
| `status` | string | `COMPLETED` when successful, `REJECTED` when failed |
| `errorCode` | string | Error code if funding failed, `null` on success |


## Insufficient funds

If your balance doesn't have enough funds, the request will fail:

#### Response


```json
{
  "type": "BALANCE",
  "status": "REJECTED",
  "errorCode": "transfer.insufficient_funds"
}
```

When this occurs:

1. Add funds to your balance
2. Retry this endpoint once funds are available
3. The transfer will remain in `incoming_payment_waiting` status until funded


## What happens next

After successful funding:

1. The transfer status changes from `incoming_payment_waiting` to `processing`
2. Wise begins processing the payout to the recipient
3. You'll receive [webhook notifications](/guides/developer/webhooks/event-types#transfer-state-change) as the transfer progresses
4. You can track the transfer status using the [Get Transfer API](/api-reference/transfer#get-by-id)


## Testing in sandbox

In the sandbox environment, you can:

- Create test balances
- Add test funds to practice the funding flow
- Test insufficient funds scenarios


[Learn more about testing](https://docs.wise.com/api-docs/guides/send-money)