@blanketbyte/wise-mcp 1.0.6 → 1.0.8

package/dist/tools.js

@@ -3,7 +3,7 @@ import { appendFile } from "node:fs/promises";
 import path from "node:path";
 import { z } from "zod";
 import { config } from "./config.js";
-import { ACTIVITY_TYPES } from "./wise/service.js";
+import { ACTIVITY_TYPES, UNPAID_PRICE_NOTE } from "./wise/service.js";
 import { WiseAccessRevokedError } from "./wise/client.js";
 import { storePending, takePending, discardPending } from "./pending.js";
 const ok = (data) => ({
@@ -272,6 +272,8 @@ 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 ${quote.pay_in}` : "") +
+            (quote.pay_in === "BALANCE" ? ", when paid from your Wise balance" : "") +
             (details.reference ? `, reference "${details.reference}"` : "") +
             (quote.delivery ? `, ${stripHtml(quote.delivery)}` : "");
         const { code, expiresAt } = storePending(sessionKey, {
@@ -281,7 +283,7 @@ 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, options: quote.pay_in_options.map((o) => Number(o.target_amount)) },
         }, summary);
         await log("transfer_prepared", { code, summary });
         return ok({
@@ -290,7 +292,7 @@ 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.",
@@ -327,10 +329,12 @@ 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() };
-                if (Math.abs(got.amount - a.expected.amount) > 0.005 || got.currency !== a.expected.currency.toUpperCase()) {
+                // Wise shows a new (unpaid) transfer at the bank-transfer price of its quote and re-prices it when it's paid
+                // from the balance. Anything that isn't one of this quote's prices is a transfer the user didn't approve:
+                // it's still unpaid, so cancel it and say what happened.
+                const got = { amount: Number(t.target.amount), currency: String(t.target.currency ?? "").toUpperCase() };
+                const close = (x) => Math.abs(got.amount - x) <= 0.005;
+                if (got.currency !== a.expected.currency.toUpperCase() || !(close(a.expected.amount) || a.expected.options.some(close))) {
                     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", {
                         code: confirmation_code,
@@ -341,12 +345,12 @@ 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({
@@ -354,7 +358,13 @@ function registerWriteTools(server, wise, { sessionKey, connectionId }, safe) {
                     transfer_id: t.id,
                     wise_status: t.status,
                     summary: p.summary,
-                    next_step: "Open the Wise app (or wise.com): the transfer is waiting for you to pay. No money has moved yet.",
+                    ...(close(a.expected.amount)
+                        ? {}
+                        : {
+                            wise_shows_until_paid: `${money(got.amount, got.currency)} to the recipient (Wise's bank-transfer price)`,
+                            note: `${UNPAID_PRICE_NOTE} Paid from the balance, the recipient gets the approved ${money(a.expected.amount, a.expected.currency)}.`,
+                        }),
+                    next_step: "Open the Wise app (or wise.com) and pay it from your Wise balance. No money has moved yet.",
                 });
             }
             if (a.kind === "recipient") {

package/dist/wise/service.js

@@ -189,7 +189,15 @@ export class WiseService {
     async getTransfer(id) {
         const t = await this.client.get(`/v1/transfers/${id}`);
         const recipient = t.targetAccount ? await this.getRecipient(t.targetAccount).catch(() => undefined) : undefined;
-        return { ...mapTransfer(t), recipient, rate: t.rate, quote_id: t.quoteUuid ?? t.quote, has_active_issues: t.hasActiveIssues, raw_status: t.status };
+        return {
+            ...mapTransfer(t),
+            recipient,
+            rate: t.rate,
+            quote_id: t.quoteUuid ?? t.quote,
+            has_active_issues: t.hasActiveIssues,
+            raw_status: t.status,
+            note: t.status === "incoming_payment_waiting" ? UNPAID_PRICE_NOTE : undefined,
+        };
     }
     // --- Recipients -----------------------------------------------------------------
     async listRecipients(profiles, currency) {
@@ -220,6 +228,8 @@ export class WiseService {
             sourceAmount: q.sourceAmount ?? null,
             targetAmount: q.targetAmount ?? null,
             targetAccount: q.targetAccount,
+            // The user pays from their Wise balance in the app: list (and show) that price first.
+            preferredPayIn: "BALANCE",
         });
         return mapQuote(raw);
     }
@@ -293,6 +303,8 @@ function mapActivity(a) {
 function matches(a, search) {
     return [a.title, a.description, a.type, a.secondary_text, a.amount_text].some((v) => v?.toLowerCase().includes(search));
 }
+/** Wise prices a transfer made via the API as a bank-transfer pay-in until it's paid (seen: 1 EUR → 0.05 EUR, fee 0.95). */
+export const UNPAID_PRICE_NOTE = "Amounts of an unpaid transfer are Wise's bank-transfer price (with its fee). Paying it from the Wise balance in the app re-prices it, e.g. without that fee.";
 function mapTransfer(t) {
     return {
         id: t.id,
@@ -319,7 +331,7 @@ 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.
+    // The user pays in the Wise app, usually from the balance: show that price (createQuote lists BALANCE first).
     const o = options.find((x) => x.payIn === "BALANCE") ?? options[0];
     return {
         id: String(q.id),
@@ -334,6 +346,8 @@ function mapQuote(q) {
         estimated_delivery: o?.estimatedDelivery,
         delivery: o?.formattedEstimatedDelivery,
         notices: (q.notices ?? []).map((n) => stripTags(n.text)).filter(Boolean),
+        // Price per pay-in method: an unpaid transfer shows the BANK_TRANSFER one until it's paid.
+        pay_in_options: options.map((x) => ({ pay_in: x.payIn, fee: x.fee?.total, target_amount: x.targetAmount })),
     };
 }
 function mapRequirementField(g) {

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@blanketbyte/wise-mcp",
-  "version": "1.0.6",
+  "version": "1.0.8",
   "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": [