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Wise-Powered Refunds

Overview

When you issue a refund from the WooCommerce order screen, the plugin can automatically initiate a real SEPA bank transfer back to the customer via Wise — no manual work needed.

Refund modes

• Disabled — No automatic refund transfer is created. You handle refunds manually outside WooCommerce.
• manual_fund (recommended) — The plugin creates a Wise transfer draft automatically. You then fund it on wise.com. When Wise sends the transfers#state-change webhook with outgoing_payment_sent, the refund is automatically marked complete.
• auto — The plugin also calls fundTransfer() automatically. This requires a Wise API token with SCA exemption, which is not available to most EU merchants due to PSD2. Only use this if Wise has explicitly enabled it for your account.

Customer IBAN requirement

To issue a Wise refund, the customer's IBAN must be stored on the order. You can:

• Add a custom checkout field that saves the IBAN as _kairos_wise_customer_iban order meta.
• Or enter the IBAN manually in the order meta box in the WooCommerce order screen before issuing the refund.

The IBAN is validated using the MOD-97 algorithm before any transfer is created.

Issuing a refund

1. Open the WooCommerce order.
2. Ensure _kairos_wise_customer_iban is set in order meta.
3. Click Refund, enter the amount, and confirm.
4. In manual_fund mode: an order note is added with a direct link to fund the transfer on wise.com.
5. After funding, Wise fires the transfers#state-change webhook and the refund status is automatically updated to completed.