@blanketbyte/wise-mcp 1.0.6 → 1.0.7

package/dist/tools.js

@@ -272,6 +272,7 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
             `${recipient.name} (${recipient.account ?? recipient.type}) receives ${money(quote.target.amount, recipient.currency)}` +
             (quote.fee ? `, fee ${money(quote.fee.amount, sourceCurrency)}` : "") +
             (sourceCurrency !== recipient.currency ? `, rate ${quote.rate}` : "") +
+            (quote.pay_in && quote.pay_in !== "BALANCE" ? `, priced for paying by ${quote.pay_in}` : "") +
             (details.reference ? `, reference "${details.reference}"` : "") +
             (quote.delivery ? `, ${stripHtml(quote.delivery)}` : "");
         const { code, expiresAt } = storePending(sessionKey, {
@@ -281,7 +282,7 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
             targetAccount: recipient.id,
             customerTransactionId: randomUUID(),
             details,
-            expected: { amount: quote.source.amount, currency: sourceCurrency },
+            expected: { amount: quote.target.amount, currency: recipient.currency },
         }, summary);
         await log("transfer_prepared", { code, summary });
         return ok({
@@ -290,7 +291,7 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
             quote,
             balance_check: available >= quote.source.amount
                 ? `OK: ${money(available, sourceCurrency)} available`
-                : `Not enough ${sourceCurrency} balance (${money(available, sourceCurrency)}); the user can still pay another way in the Wise app`,
+                : `Not enough ${sourceCurrency} balance (${money(available, sourceCurrency)}): the price assumes paying from the Wise balance, so tell the user to top it up first (paying another way in the app can cost more)`,
             confirmation_code: code,
             expires_at: expiresAt.toISOString(),
             next_step: "Show the summary. Only call confirm_action if the user explicitly approves. Afterwards they pay it in the Wise app.",
@@ -327,9 +328,10 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
         try {
             if (a.kind === "transfer") {
                 const t = await wise.createTransfer({ targetAccount: a.targetAccount, quoteId: a.quoteId, customerTransactionId: a.customerTransactionId, details: a.details });
-                // Wise has been seen creating a transfer for a different amount than its own quote. Never leave the
-                // user with a transfer they didn't approve: it's still unpaid, so cancel it and say what happened.
-                const got = { amount: Number(t.source.amount), currency: String(t.source.currency ?? "").toUpperCase() };
+                // Never leave the user with a transfer they didn't approve (e.g. priced with another pay-in and a different
+                // fee): it's still unpaid, so cancel it and say what happened. Wise's transfer source amount excludes the
+                // fee, so compare what the recipient gets.
+                const got = { amount: Number(t.target.amount), currency: String(t.target.currency ?? "").toUpperCase() };
                 if (Math.abs(got.amount - a.expected.amount) > 0.005 || got.currency !== a.expected.currency.toUpperCase()) {
                     const cancelled = await wise.cancelTransfer(t.id).then((c) => c.status, (err) => `cancel failed: ${err instanceof Error ? err.message : err}`);
                     await log("transfer_amount_mismatch", {
@@ -341,12 +343,12 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
                         got,
                         cancelled,
                     });
-                    return fail(`Wise created transfer ${t.id} for ${money(got.amount, got.currency)} instead of the approved ` +
-                        `${money(a.expected.amount, a.expected.currency)} (quote ${a.quoteId}). ` +
+                    return fail(`Wise created transfer ${t.id} where the recipient gets ${money(got.amount, got.currency)} instead of the approved ` +
+                        `${money(a.expected.amount, a.expected.currency)} (quote ${a.quoteId}), so the price differs from the summary. ` +
                         (cancelled === "cancelled"
                             ? "It was cancelled automatically, so nothing will be paid. "
                             : `Automatic cancellation didn't succeed (${cancelled}): tell the user to cancel it in the Wise app and NOT pay it. `) +
-                        "Don't retry; tell the user this is a Wise-side mismatch.");
+                        "Don't retry; tell the user.");
                 }
                 await log("transfer_created", { code: confirmation_code, summary: p.summary, transfer_id: t.id, status: t.status });
                 return ok({

package/dist/wise/service.js

@@ -220,6 +220,9 @@ export class WiseService {
             sourceAmount: q.sourceAmount ?? null,
             targetAmount: q.targetAmount ?? null,
             targetAccount: q.targetAccount,
+            // Without this Wise prices the transfer with its default pay-in (often a bank transfer, with a fee), even
+            // though the user pays from their Wise balance in the app. BALANCE goes first and the transfer uses it.
+            preferredPayIn: "BALANCE",
         });
         return mapQuote(raw);
     }
@@ -319,8 +322,9 @@ function mapRecipient(r) {
 }
 function mapQuote(q) {
     const options = (q.paymentOptions ?? []).filter((o) => !o.disabled && (!q.payOut || o.payOut === q.payOut));
-    // You pay in the Wise app, usually from your balance: show that option's price.
-    const o = options.find((x) => x.payIn === "BALANCE") ?? options[0];
+    // Show the price of the pay-in Wise will use for the transfer: the quote's own payIn, otherwise the first option
+    // (createQuote asks for BALANCE first). Showing another option's price once hid a 0.95 EUR fee.
+    const o = options.find((x) => q.payIn && x.payIn === q.payIn) ?? options[0];
     return {
         id: String(q.id),
         source: { amount: o?.sourceAmount ?? q.sourceAmount, currency: q.sourceCurrency },

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@blanketbyte/wise-mcp",
-  "version": "1.0.6",
+  "version": "1.0.7",
   "description": "MCP server for Wise: read balances, card payments, transfers and recipients, and prepare transfers you approve twice. Runs locally (npx, for Claude, Codex, Cursor…) or as a remote connector for Claude and ChatGPT.",
   "mcpName": "io.github.BlanketByte/wise-mcp",
   "keywords": [