Set up a payment
create_transferSets up an unpaid Wise payment to a saved recipient: validates route fields, prices the transfer, and leaves it awaiting manual payment in Wise. Uses payment_id to prevent duplicates.
Instructions
Set up a payment to a saved recipient, ready for the person to pay in Wise. This prices it, checks with Wise that every field the route needs is there (a reason for sending, an invoice number, the source of funds), and creates the transfer; it does not pay it. It waits as incoming_payment_waiting until paid in the Wise app or website, and Wise cancels it if unpaid for 14 days. A person approves every one. Pass payment_id (an email's message id, an invoice number) so asking twice never sets it up twice.
Tool call template
Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.
{
"id": 1,
"jsonrpc": "2.0",
"method": "tools/call",
"params": {
"arguments": {
"recipient_id": "<recipient_id>",
"source_currency": "<source_currency>",
"amount": "<amount>"
},
"name": "create_transfer"
}
}Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| amount | Yes | The amount. | |
| pay_in | No | How it will be paid: BALANCE from a Wise balance, BANK_TRANSFER from a bank. Changes the fee shown. | |
| reason | No | The reason for sending, as Wise's key, such as verification.transfers.purpose.pay.bills. get_transfer_requirements lists the ones a route accepts. | |
| confirm | No | Set true only when the user asked for exactly this action. | |
| profile | No | The Wise profile id to act for. Defaults to WISE_PROFILE_ID, else the only business profile. See list_profiles. | |
| batch_id | No | Add it to this open batch, from create_batch, so a run of payments is paid in Wise in one go. | |
| amount_is | No | `target` (default): the recipient receives exactly this, as on an invoice. `source`: this is what leaves the account. | |
| reference | No | The message for the recipient: what they see on their bank statement, such as an invoice number. Wise shortens the limit on some routes. | |
| payment_id | No | A stable id for this payment request, such as the email's message id. The same id never creates a second transfer. | |
| recipient_id | Yes | A saved recipient's id, from find_recipient or list_recipients. | |
| reason_detail | No | A more specific reason, on routes that ask for one (CNY, for example). | |
| invoice_number | No | The invoice number, on routes that ask for one (INR, for example). | |
| source_currency | Yes | The currency paid from, such as EUR. | |
| source_of_funds | No | Where the money comes from, on routes and amounts that ask (large USD payments, for example). | |
| target_currency | No | The currency they receive. Defaults to the recipient's currency. | |
| transfer_nature | No | Required for payments to or from BRL, such as MOVING_MONEY_BETWEEN_OWN_ACCOUNTS. get_transfer_requirements lists the values. Wise blocks and refunds a BRL payment without it. | |
| source_of_funds_other | No | The source of funds in words, when source_of_funds is other. |