Wise Payments LTD

OB Standards

This Section applies to ASPSPs that have implemented OB Standards

-Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 v3.1.9 v3.1.10 V3.1.11
Read/Write API - Which date are you planning to implement your latest version?
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3
DCR - Which date are you planning to implement your latest version?
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement
ECA Implementation details		Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide your status with respect to the Standard]
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	£
PISP - Daily Payment Limit	£
How many months of transaction do you provide?	No Limit From the 11th of December 2023 we are changing the way our /transaction API behaves: It will return only up to three months/90 days worth of transactions if the related consent was created more than 90 days ago. No limit if the related consent was created less than 90 days ago.
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?
What is your approach to Implementing TRIs?	Accept payload with TRI fields – Process all fields Accept payload with TRI fields – Ignore all fields Reject payload with TRI fields – Error back to TPP Accept payload with TRI fields – Process few fields (Provide list of accepted fields)

SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?		Live, note that we have different limits depending on the user address: For users having a UK address in their profile the upper SCA re-auth limit is 365 days. (used to be 90 days) For users having a EU address in their profile the upper SCA re-auth limit is 180 days. (used to be 90 days)
What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)		We're going along the route of Option 1 outlined by OBIE https://www.openbanking.org.uk/wp-content/uploads/3.1.10-Consultation-Summary-Paper-20220222.pdf Issue a long-lived refresh token during upcoming SCA check. The actual lifetime of this refresh token is 365/180 days max.
Article 10A - Endpoints exempt of SCA-RTS	Accounts Transactions (90days) Balances Standing orders Direct debits Beneficiaries Products Offers Parties Scheduled Payments Statements
Article 10A - Endpoints not exempt of SCA-RTS	Transactions (more than 90days) Standing orders Direct debits Beneficiaries Products Offers Parties Scheduled Payments Statements
Article 10A - Maximum time period after authentication		Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE PS team only)		Planned / In-progress / Implemented / TBC

Security Profile

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI Other (Please define)
Security Profile - Next Planned Version Implementation Date
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile	In review
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
Token Endpoint Authentication Methods Supported	client_secret_post client_secret_basic client_secret_jwt tls_client_auth Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

Customer Journey

-What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 v3.1.9 v3.1.10 V3.1.11
Which date are you planning to implement your latest CEG version?
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	In review

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	Yes	Unique and immutable transaction ids in the TransactionId field
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	90 days
Article 10 - Endpoints exempt of SCA	None at the moment. Up for re-evaluation.
Major Milestones	01 Feb 2020 v3.1.1 AISP / CBPII 01 May 2020 v3.1.1 PISP 01 Jun 2020 eIDAS Support
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	https://transferwise.com/openbanking/.well-known/openid-configuration
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://api-docs.transferwise.com/guides/open-banking
Test Facility URL		The details about our test sandbox can be found at the url below: https://api-docs.transferwise.com/guides/open-banking#sandbox-access
Brand Landing Pages URL		When showing the Wise logo feel free to use any of the following: https://wise.com/public-resources/assets/brand/round_logo_medium.png https://wise.com/public-resources/assets/brand/round_logo_large.png
ASPSP Support Desk Email or Phone Number (including queries about consent success rates)	openbanking@transferwise.com

Key Implementations

High Cost Credit	Transferwise - HCC.xlsx