Card Transactions
These APIs allow you to retrieve information on transactions that are made on your user's cards.
The possible state values are:
IN_PROGRESS- The transaction has been authorized but not captured.COMPLETED- The transaction has been captured and/or settled.DECLINED- The transaction has been declined.CANCELLED- The transaction has been cancelled.UNKNOWN- Default fallback status if the state can't be confirmed.
The transition from CANCELLED to COMPLETED is an edge case. Wise is releasing the customer funds after 7 days if the merchant has not capture the transaction, the state becomes CANCELLED. But the merchant can decide to capture the transaction after 7 days, the state will then be COMPLETED.
The decline reason field provides information about the specific issue that led to the transaction being declined, helping the merchant and the customer troubleshoot the problem.
While the 'decline reason' field provides valuable information about the specific issue that led to the transaction being declined, it may not cover all possible reasons for a decline, such as technical issues or unforeseen circumstances.
Balance related to the transaction is not active.
Please ensure that all outstanding actions have been completed before using your card, as this may help avoid any potential issues or declines.
Transactions were made in unsupported countries.
Check out this link to see if the country is included in our list of supported nations.
It is possible for a merchant to be based in a supported country and have an address registered in a blocked country, albeit infrequently.
The card provided has reached its expiration date, making it invalid for this transaction.
The customer or our customer service team has put this card on a temporary hold.
If the card has not been frozen by the customer, it may be worth investigating further.
To resume spending, advise customer to unfreeze the card.
The card is either not active or has not been received by the customer, so we are unable to proceed with the transaction.
The PIN is restricted on the chip of the card due to excessive incorrect entries.
The blocked PIN can be unlocked at an ATM using specific steps that vary depending on the machine and country, such as PIN management or PIN operations followed by unblocking the PIN.
Contactless payment systems sometimes require a PIN for authentication purposes to protect users' accounts from potential fraud or tampering.
In Europe, contactless payment transactions that follow one after the other require PIN verification as an additional security measure.
In Singapore, regulatory requirements dictate that some customers must adhere to specific spending limits on their Wise balances, leading to this decline reason when they exceed their allowed amounts.
There's a problem with the message from the processor, so we might not be able to accept it because it could be incomplete or unsafe.
Just because we can't process the payment right now doesn't mean there's anything wrong with the card.
Tell the customer that there was a technical issue with the payment and to try again later.
The customer accidentally entered the wrong security code.
Please advise the customer to check their card details and try again.
If the customer's saved card details are correct, they should remove their card details from the merchant's website and then add them back again.
The customer made a mistake and entered the wrong expiration date for their card.
If the customer's saved card details are correct, they should remove their card details from the merchant's website and then add them back again.
The customer entered their PIN incorrectly.
Please advise the customer to check their PIN and try again.
If the PIN is correct and still fails, kindly suggest resetting the PIN.
The customer doesn't have enough money in their account to make the payment.
Please advise the customer to add money to their account and try again. In most cases, this will resolve the issue.
The 3D Secure checks failed during the transaction, so the customer should try again and ask for authentication.
We don't support certain types of transactions, so the customer should ask the merchant to use a different payment method or try a different merchant.
The transaction was declined because our system doesn't support conversions for Brazilian cards when BRL is involved.
The BRL won't be automatically exchanged to other currencies.
If the customer wants to continue with the payment, they need to change the currency they're using.
At present, we do not support ATM withdrawals in the country of transaction.
At present, we do not offer support for this currency in this transaction.
At present, we do not offer support for transactions in this category for customers in the country of purchase. Please consider using an alternative payment method or changing merchant.
The customer has reached daily spending limit.
Please advise if they would like to increase their daily limit.
The customer has reached lifetime spending limit.
Please advise if they would like to increase their lifetime limit.
The customer has reached monthly spending limit.
Please advise if they would like to increase their monthly limit.
This payment type has been disabled
Please advise if they would like to enable the payment type.
The customer has exceeded transaction/daily/monthly limit for this payment type.
Please advise if they would like to update the limit.
The customer has reached the maximum number of allowed PIN entry attempts.
To avoid further inconvenience, we recommend implementing a reset PIN feature within your app to help the customer regain access to their card.
The customer has attempted to make a contactless payment at a Point of Sale (POS), but their card has not been activated for chip + PIN transactions.
For US/Japan issued cards, please advise the customer to enter the 6-digit activation code provided to complete the transaction.
Our system is currently experiencing technical difficulties.
Please advise the customer to try again after a brief period of time.
Although rare, restricted mode can happen, and it's advisable to advise the customer to replace their card promptly as our system should have already informed them.
In this mode, more secure payment methods like chip + PIN, contactless, mobile wallets, and online payments with 3DS are allowed, while less secure methods like magnetic stripe and online payments without 3DS are not permitted.
We cannot proceed with the transaction due to SCA regulations.
Kindly suggest to the customer that they contact the merchant and use a more secure authentication method such as 3DS.
Our system has detected that the POS terminal was misconfigured and failed our security checks.
Kindly suggest to the customer that they use an alternative payment method like contactless or mobile wallets, or recommend that they ask the merchant to accept a signature instead.
The merchant has entered the wrong type of purchase.
Please advise the customer to contact the merchant and ask them to correct this issue.
The customer's offline PIN is locked because they entered it incorrectly three times. To unlock it, they need to use an ATM to unblock their PIN.
We have restrictions on this type of transaction, and sometimes the scheme won't allow it.
Please check if spend control is set up to block this transaction.
ID of the transaction
Unique identifier of the card
Type of the transaction
Code of the decline reason if applicable
When transaction or transaction state change occurred
The current state of the transaction
Last 4 digits of the card
Transaction amount
Currency code
Fee amount
Currency code
Fee type
Transaction amount including fees
Currency code
ID of the merchant
Name of the merchant
Country where merchant is located
City where merchant is located
Zip code where merchant is located
Region where merchant is located
State where merchant is located
Category of the merchant
MCC code of the merchant
Description of the merchant
Authorisation method
Associated balance transaction id if applicable
Associated balance transaction id if applicable
Balance id
Amount taken from the balance
Currency code
Amount converted to
Currency code
Exchange rate
Conversion fee amount
Currency code
{"id": "342671","cardToken": "59123122-223d-45f9-b840-0ad4a4f80937","type": "ECOM_PURCHASE","declineReason": null,"createdDate": "2022-11-28T08:17:54.241236Z","state": "IN_PROGRESS","cardLastDigits": "3086","transactionAmount": {"amount": 1.5,"currency": "SGD"},"fees": [],"transactionAmountWithFees": {"amount": 1.5,"currency": "SGD"},"merchant": {"id": "332512","name": "Test Payment","location": {"country": "France","city": "Rouen","zipCode": "00000","region": null,"state": null},"category": {"name": "RMiscellaneousAndSpecial","code": "5999","description": "5999 R Miscellaneous and Special"}},"authorisationMethod": "MANUAL_ENTRY","balanceTransactionId": 2598366,"debits": [{"balanceId": 52832,"debitedAmount": {"amount": 1.06,"currency": "EUR"},"forAmount": {"amount": 1.5,"currency": "SGD"},"rate": 1.43073,"fee": {"amount": 0.01,"currency": "EUR"}}]}
GET /v3/spend/profiles/{{profileId}}/cards/transactions/{{transactionId}}
Retrieve a card transaction based on its transaction ID.
curl -X GET 'https://api.sandbox.transferwise.tech/v3/spend/profiles/{{profileId}}/cards/transactions/{{transactionId}}-H 'Authorization: Bearer <your api token>'
Response
The possible type values are:
ACCOUNT_CREDIT- Receiving money on the card, excluding Visa OCT or Mastercard MoneySendACCOUNT_FUNDING- Sending money to another card or e-walletCASH_ADVANCE- Cash disbursementCASH_WITHDRAWAL- ATM withdrawalCHARGEBACK- Currently unused. Reserved for future use.CREDIT_TRANSACTION- Visa OCT and Mastercard MoneySendECOM_PURCHASE- Online purchasePOS_PURCHASE- Purchase via a POS TerminalREFUND- Partial or full refund of an existing card transaction
The possible state values are listed here
When a refund happens, a separate transaction will be added with a REFUND transaction type.
{"id": "342671","cardToken": "59123122-223d-45f9-b840-0ad4a4f80937","type": "ECOM_PURCHASE","declineReason": null,"createdDate": "2022-11-28T08:17:54.241236Z","state": "IN_PROGRESS","cardLastDigits": "3086","transactionAmount": {"amount": 1.5,"currency": "SGD"},"fees": [],"transactionAmountWithFees": {"amount": 1.5,"currency": "SGD"},"merchant": {"id": "332512","name": "Test Payment","location": {"country": "France","city": "Rouen","zipCode": "00000","region": null,"state": null},"category": {"name": "RMiscellaneousAndSpecial","code": "5999","description": "5999 R Miscellaneous and Special"}},"authorisationMethod": "MANUAL_ENTRY","balanceTransactionId": 2598366,"debits": [{"balanceId": 52832,"debitedAmount": {"amount": 1.06,"currency": "EUR"},"forAmount": {"amount": 1.5,"currency": "SGD"},"rate": 1.43073,"fee": {"amount": 0.01,"currency": "EUR"}}]}