WISEによる送金サービスのAPIとWebhookの使用例をここで別途記載します。WISEとはPaypalやStripe等と同様の国際送金サービスですが、送金時に適用される為替レートの変換率がほぼ市場での値と同等であり、手数料も低く抑えられています。送金手数料が低いのは、ドル、ユーロ、円など各通貨適用国にWISE専用の銀行口座を開設していて、金銭の移動処理をこれら口座から直接行っているためです。
国際送金例：他サービスとの比較
日本円20万円を米国に送金する場合のレートと手数料（マーケット:JPY130.35/USD）
手数料：送金額の0.41%から（下の例の場合0.628%）
隠れコストがないため、受信側は上記金額を確実に受取れます。
APIとWebhookの違い
サーバ側からのレスポンスはXMLやJSONフォーマットによるキー・バリューデータアレイ
トークンと認証キーによる接続（OTT:ワンタイムトークン）
キーペアの作成
$ openssl genrsa -out private.pem 2048
$ openssl rsa -pubout -in private.pem -out public.pem
アカウントの設定—>APIトークン—>公開キーの管理
から作成した公開キーをアップロード
Wise Payouts API
https://api-docs.wise.com/payouts#wise-payouts-api-documentation
PostmanによるAPIとWebhookの実装テスト
サンドボックス
受取人のアカウント登録、受取人と送金額を指定した送金手続きの際のAPI
サンドボックスでのAPIテスト
APIのフォーク
Postmanの検索バーから"wise"で検索しAPI雛形サンプルを入手。自分のワークスペースへフォーク。
Environments：環境変数を設定
グローバル環境変数として以下定義
token : WISEアカウントからトークン（フルアクセス）を作成 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2
host : サンドボックスのアドレス(https://api.sandbox.transferwise.tech)指定
送金元ユーザプロファイルの取得
GET
{{host}}/v1/profiles
取得データ
[
{
"id": 16452308,
"type": "personal",
"details": {
"firstName": "sender",
"lastName": "takanobu",
"dateOfBirth": "1984-12-16",
"phoneNumber": "+442038087139",
"avatar": null,
"occupation": null,
"occupations": null,
"primaryAddress": 37453125,
"firstNameInKana": null,
"lastNameInKana": null
}
},
{
"id": 16452309,
"type": "business",
"details": {
"name": "sender sender Business",
"registrationNumber": "07209813",
"acn": null,
"abn": null,
"arbn": null,
"companyType": "LIMITED",
"companyRole": "OWNER",
"descriptionOfBusiness": "IT_SERVICES",
"primaryAddress": 37453126,
"webpage": null,
"businessCategory": "IT_SERVICES",
"businessSubCategory": null
}
}
]
cURL
$ curl --location --request GET 'https://api.sandbox.transferwise.tech/v1/profiles' \
--header 'Authorization: Bearer 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2'
受取人のアカウント登録
POST
{{host}}/v1/accounts
POSTデータ
{
"accountHolderName": "Person USD",
"currency": "USD",
"type": "ABA",
"details": {
"address": {
"city": "New York",
"countryCode": "US",
"postCode": "10025",
"state": "NY",
"firstLine": "158 Wall Street"
},
"legalType":"PRIVATE",
"abartn": "064000020",
"accountType": "CHECKING",
"accountNumber": "16449988",
"email": "[email protected]"
}
}
取得データ
{
"id": 148365386,
"business": null,
"profile": 16452308,
"accountHolderName": "Person USD",
"currency": "USD",
"country": "US",
"type": "aba",
"details": {
"address": {
"country": "US",
"countryCode": "US",
"firstLine": "158 Wall Street",
"postCode": "10025",
"city": "New York",
"state": "NY"
},
"email": "[email protected]",
"legalType": "PRIVATE",
"accountHolderName": null,
"accountNumber": "16449988",
"sortCode": null,
"abartn": "064000020",
"accountType": "CHECKING",
"bankgiroNumber": null,
"ifscCode": null,
"bsbCode": null,
"institutionNumber": null,
"transitNumber": null,
"phoneNumber": null,
"bankCode": null,
"russiaRegion": null,
"routingNumber": null,
"branchCode": null,
"cpf": null,
"cardToken": null,
"idType": null,
"idNumber": null,
"idCountryIso3": null,
"idValidFrom": null,
"idValidTo": null,
"clabe": null,
"swiftCode": null,
"dateOfBirth": null,
"clearingNumber": null,
"bankName": null,
"branchName": null,
"businessNumber": null,
"province": null,
"city": null,
"rut": null,
"token": null,
"cnpj": null,
"payinReference": null,
"pspReference": null,
"orderId": null,
"idDocumentType": null,
"idDocumentNumber": null,
"targetProfile": null,
"targetUserId": null,
"taxId": null,
"job": null,
"nationality": null,
"interacAccount": null,
"bban": null,
"town": null,
"postCode": null,
"language": null,
"billerCode": null,
"customerReferenceNumber": null,
"prefix": null,
"IBAN": null,
"iban": null,
"bic": null,
"BIC": null
},
"user": 5965245,
"active": true,
"ownedByCustomer": false
}
cURL
curl --location --request POST 'https://api.sandbox.transferwise.tech/v1/accounts' \
--header 'Authorization: Bearer 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2' \
--header 'Content-Type: application/json' \
--header 'Cookie: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx' \
--data-raw '{
"accountHolderName": "Person USD",
"currency": "USD",
"type": "ABA",
"details": {
"address": {
"city": "New York",
"countryCode": "US",
"postCode": "10025",
"state": "NY",
"firstLine": "158 Wall Street"
},
"legalType":"PRIVATE",
"abartn": "064000020",
"accountType": "CHECKING",
"accountNumber": "16449988",
"email": "[email protected]"
}
}'
送金データの作成
POST
{{host}}/v2/quotes
POSTデータ
{
"sourceCurrency": "USD",
"targetCurrency": "USD",
"sourceAmount": 400,
"targetAmount": null,
"profile": 16452308
}
取得データ
{
"sourceAmount": 400.00,
"guaranteedTargetAmountAllowed": false,
"targetAmountAllowed": true,
"paymentOptions": [
{
"formattedEstimatedDelivery": "by May 11th",
"estimatedDeliveryDelays": [],
"allowedProfileTypes": [
"PERSONAL",
"BUSINESS"
],
"feePercentage": 0.0059,
"estimatedDelivery": "2022-05-11T12:30:00Z",
"sourceCurrency": "USD",
"sourceAmount": 400.00,
"targetAmount": 397.63,
"disabled": false,
"targetCurrency": "USD",
"payOut": "BANK_TRANSFER",
"fee": {
"transferwise": 1.13,
"payIn": 1.24,
"discount": 0,
"total": 2.37,
"priceSetId": 132,
"partner": 0.0
},
"price": {
"priceSetId": 132,
"total": {
"type": "TOTAL",
"label": "Total fees",
"value": {
"amount": 2.37,
"currency": "USD",
"label": "2.37 USD"
}
},
"items": [
{
"type": "PAYIN",
"label": "fee",
"value": {
"amount": 1.24,
"currency": "USD",
"label": "1.24 USD"
}
},
{
"type": "TRANSFERWISE",
"label": "Our fee",
"value": {
"amount": 1.13,
"currency": "USD",
"label": "1.13 USD"
}
}
]
},
"payIn": "DIRECT_DEBIT"
},
.....
.....
.....
"rateTimestamp": "2022-05-10T09:31:29Z",
"clientId": "transferwise-personal-tokens",
"id": "af8fc283-4130-4f54-a486-a4a0ced0b9f5",
"type": "REGULAR",
"sourceCurrency": "USD",
"status": "PENDING",
"profile": 16452308,
"rate": 1,
"targetCurrency": "USD",
"createdTime": "2022-05-10T09:31:29Z",
"user": 5965245,
"rateType": "FIXED",
"rateExpirationTime": "2022-06-09T09:31:29Z",
"payOut": "BANK_TRANSFER",
"guaranteedTargetAmount": false,
"providedAmountType": "SOURCE",
"expirationTime": "2022-05-10T10:01:29Z",
"payInCountry": "GB",
"funding": "POST"
}
cURL
$ curl --location --request POST 'https://api.sandbox.transferwise.tech/v2/quotes' \
--header 'Authorization: Bearer 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2' \
--header 'Content-Type: application/json' \
--data-raw '{
"sourceCurrency": "USD",
"targetCurrency": "USD",
"sourceAmount": 400,
"targetAmount": null,
"profile": 16452308
}'
全アカウント情報の取得（受取人含む）
GET
{{host}}/v1/accounts
取得データ
[
{
"id": 148363248,
"business": null,
"profile": 16452308,
"accountHolderName": "Person JPY",
"currency": "USD",
"country": "US",
"type": "aba",
"details": {
"address": {
"country": "US",
"countryCode": "US",
"firstLine": "158 Wall Street",
"postCode": "10025",
"city": "New York",
"state": "NY"
},
"email": "[email protected]",
"legalType": "PRIVATE",
"accountHolderName": null,
"accountNumber": "16449985",
"sortCode": null,
"abartn": "064000020",
"accountType": "CHECKING",
"bankgiroNumber": null,
"ifscCode": null,
"bsbCode": null,
"institutionNumber": null,
"transitNumber": null,
"phoneNumber": null,
"bankCode": null,
"russiaRegion": null,
"routingNumber": null,
"branchCode": null,
"cpf": null,
"cardToken": null,
"idType": null,
"idNumber": null,
"idCountryIso3": null,
"idValidFrom": null,
"idValidTo": null,
"clabe": null,
"swiftCode": null,
"dateOfBirth": null,
"clearingNumber": null,
"bankName": null,
"branchName": null,
"businessNumber": null,
"province": null,
"city": null,
"rut": null,
"token": null,
"cnpj": null,
"payinReference": null,
"pspReference": null,
"orderId": null,
"idDocumentType": null,
"idDocumentNumber": null,
"targetProfile": null,
"targetUserId": null,
"taxId": null,
"job": null,
"nationality": null,
"interacAccount": null,
"bban": null,
"town": null,
"postCode": null,
"language": null,
"billerCode": null,
"customerReferenceNumber": null,
"prefix": null,
"IBAN": null,
"iban": null,
"bic": null,
"BIC": null
},
"user": 5965245,
"active": true,
"ownedByCustomer": false
},
.....
.....
.....
cURL
curl --location --request GET 'https://api.sandbox.transferwise.tech/v1/accounts' \
--header 'Authorization: Bearer 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2'
GUIDの取得
下記サイトを利用して自動生成・取得
GET
https://www.uuidgenerator.net/api/guid
取得データ
4f2b7bfe-ac3f-4b32-88ec-15401057b339
cURL
$ curl --location --request GET 'https://www.uuidgenerator.net/api/guid'
送金手続き
POST
{{host}}/v1/transfers
POSTデータ
{
"targetAccount": 148363248,
"quoteUuid": "af8fc283-4130-4f54-a486-a4a0ced0b9f5",
"customerTransactionId": "4f2b7bfe-ac3f-4b32-88ec-15401057b339",
"details": {
"reference": "my ref",
"transferPurpose": "verification.transfers.purpose.pay.bills"
}
}
取得データ
{
"id": 50788162,
"user": 5965245,
"targetAccount": 148363248,
"sourceAccount": 148360930,
"quote": null,
"quoteUuid": "af8fc283-4130-4f54-a486-a4a0ced0b9f5",
"status": "processing",
"reference": "my ref",
"rate": 1.0,
"created": "2022-05-10 09:32:09",
"business": null,
"transferRequest": null,
"details": {
"reference": "my ref"
},
"hasActiveIssues": false,
"sourceCurrency": "USD",
"sourceValue": 398.95,
"targetCurrency": "USD",
"targetValue": 398.95,
"customerTransactionId": "4f2b7bfe-ac3f-4b32-88ec-15401057b339"
}
cURL
$ curl --location --request POST 'https://api.sandbox.transferwise.tech/v1/transfers' \
--header 'Authorization: Bearer 46b5bf5d-6e57-4b48-a3e7-d2254c6f4cd2' \
--header 'Content-Type: application/json' \
--data-raw '{
"targetAccount": 148363248,
"quoteUuid": "af8fc283-4130-4f54-a486-a4a0ced0b9f5",
"customerTransactionId": "4f2b7bfe-ac3f-4b32-88ec-15401057b339",
"details": {
"reference": "my ref",
"transferPurpose": "verification.transfers.purpose.pay.bills"
}
}'