Wise payouts

Partners are paid into their bank from your Wise Business balance, in their currency. We prepare each transfer in your Wise account. We never touch the money.

You'll paste two things into the connection panel:

• API token
• Business profile ID

Both come from a verified Wise Business account. Have one? Skip to step 2. Otherwise allow 15 minutes, plus 1 to 3 business days for Wise.

1. A verified Wise Business account

Wise verifies your business, then holds the balance payouts come from.

1. Open a business account at wise.com/business, or add a business profile to your personal one.
2. Give Wise your legal name, registration number, address and what you do.
3. Add directors and significant owners. Use the name on the bank you'll fund from.
4. Upload the documents Wise asks for. It emails you once you're verified.
5. Open a balance in each partner currency, and add money from your bank.

2. An API token with full access

Make a Full access token and copy it. Wise shows it once.

1. Open the profile menu and choose Your Account.
2. Choose Connect and manage apps, then API tokens, then Add new token.
3. Pass the two-step check. Name it AffiliateRail and set Full access.
4. Copy the token now.

A read-only token can't create transfers, so it won't verify. Never share the token. If it leaks, Revoke it and save a new one.

3. Your business profile ID

Paste the token into the panel and choose Find my business profile.

1. Pick the Business profile Wise lists, and the ID fills in.
2. Nothing saves until you choose Save and verify.
3. Finding it yourself? It's the number Wise's profiles endpoint returns, usually eight digits.

4. Who approves each transfer

It depends where your business is registered. Money leaves only when you or Wise release it.

• US, Canada, Australia, New Zealand, Singapore or Malaysia: Wise pays from your balance by itself.
• UK, the EEA or anywhere else: Wise makes you approve each one, like this.

1. We draft the transfer in your Wise account and email you.
2. You sign in to Wise, open the transfer and pay it from your balance.
3. The payout is marked paid here once Wise sends it.

Quote cannot be accepted with this request due to missing approval? An approval rule covers all payments. Remove it, or exclude API payments.

5. In AffiliateRail

Save both, then send a one-unit test.

1. Paste both into the panel, with This is a sandbox token off.
2. Paying from another currency's balance? Set Fund transfers from this balance under Advanced.
3. Choose Save and verify. A green tick with your business name means it worked.
4. Test with a bank account you control, like your business account.
5. Choose Send 1.00 in your currency, such as one pound. That's Wise's minimum.
6. Needs approval? Approve it in Wise, and the status updates here.
7. Then turn on automatic payouts, or send batches by hand from Payouts.

Wise converts at its own rate. The portal checks partners' bank details the way Wise does, so typos never become failed payouts. Wise pays only an IBAN, or account and routing number for US dollars. Emails and Wise tags fail.

Optional: rehearse in Wise's sandbox

Pretend money, to watch a transfer go through first.

1. At wise-sandbox.com, create an account, a business profile and a personal API token.
2. It's separate: your real login won't work, and no real money moves.
3. Top up with the Add money simulation, or Wise's top-up simulation endpoint.
4. Use GBP, USD or EUR, which work there.
5. Save here with This is a sandbox token on. Test with a sandbox bank account.

Optional: for your developer

Approve UK or EEA transfers without a login by registering a public key.

1. On your computer, run openssl genrsa -out wise-private.pem 2048.
2. Then run openssl rsa -in wise-private.pem -pubout -out wise-public.pem.
3. In Wise, upload wise-public.pem where your connected apps settings manage public keys.
4. Paste the contents of wise-private.pem into Signing key, under Advanced in the panel.