v5

latestOpenAPI 3.1.02026-07-262421791.5 MB

simulation

Simulate a card transaction authorisation

Simulates a card transaction authorisation request in the sandbox environment. It can simulate ATM withdrawals, POS purchases, e-commerce transactions, and refunds. This is an authorisation hold, where funds are held, but not yet captured by the acquirer.

The cardNumber represents the 16-digit Primary Account Number (PAN) of the card, and must be a valid PAN retrieved from sensitive card details. Please follow the detailed guide on retrieving sensitive card details.

Refund

A refund is a 2-step process: first authorise with transactionType set to REFUND, then clear using the clearing endpoint with the same transaction type.

{% admonition type="warning" %} Refund simulation doesn't work with Mastercard. {% /admonition %}

post/v2/simulation/spend/profiles/{profileId}/cards/{cardToken}/transactions/authorisation

Path parameters

profileIdinteger required

The profile ID.

cardTokenstring uuid required

The card token.

Headers

X-External-Correlation-Idstring uuid

Optional UUID for correlating requests across systems. If provided, Wise echoes it back in the response. Maximum 36 characters. Learn more.

Request body

posstring

The point-of-sale used for the transaction.

For POS transactions: CHIP_AND_PIN
For e-commerce transactions: E_COMMERCE_NO_3DS
For ATM transactions: CHIP_AND_PIN
For refund transactions: CHIP_AND_PIN or E_COMMERCE_NO_3DS

transactionTypestring

The type of the transaction.

For POS and e-commerce transactions: GOODS_AND_SERVICES
For ATM transactions: CASH_WITHDRAWAL
For refund transactions: REFUND

mccinteger

Merchant category code.

cardNumberstring

Primary Account Number of the card.

Response

Simulated card authorisation.

referenceobject

The transaction reference. This can be used in a following request for reversal and clearing.

errorstring nullable

An error returned by the transaction, if it exists.