If the customer has a Wise account balance, this balance can serve as a refund recipient. To use the Wise account balance as a refund recipient, we will need to get the Recipient ID of the balance.
To get the Balance Recipient ID, please see the Retrieve multi currency account for a profile API reference.
From the Multi Currency Account object response, there will be a recipientId field. This will be the Recipient ID that can be used as the refund recipient.
This section is only applicable for `Direct Refund to Balance`. If you are refunding to sender bank account or using the Net Settlement model, you may skip this section.