Wise: automatically match incoming transfers to invoices

If your agency gets paid into a Wise multi-currency account, Handl can watch it for incoming transfers and match them to your open invoices automatically — no more manually checking Wise against what's outstanding.

Go to Settings → Payments → Wise and paste a Wise personal API token, then confirm.
Handl validates the token against Wise, stores it securely, and sets up a webhook so new transfers are picked up as they arrive.
When money lands in your Wise account, Handl checks the payment reference and the amount/currency against your open invoices. If the reference contains the invoice number and the amount lines up, the payment is recorded against that invoice automatically and you're notified.
If a transfer looks close but doesn't clearly match one invoice — an odd amount, an ambiguous reference — it shows up as a suggestion on your dashboard's action feed instead of being recorded automatically, so you can confirm it with one click.
A daily sweep also checks your Wise balances directly, so anything a webhook happened to miss still gets caught.

Good to know

Wise connects with a personal API token from your Wise account, not OAuth — generate one from Wise and paste it into Handl.
Matching relies on the invoice number appearing in the payment reference. Ask clients paying by bank transfer to use the invoice number as their reference (Handl already tells them this on the pay page) — it's what makes automatic matching possible.
An automatic match still respects the invoice's outstanding balance — if a transfer overpays, the excess is reported rather than silently absorbed.
Wise auto-matching pairs naturally with bank-transfer collection (Settings → Payments → Bank transfer details) but doesn't require it — it matches against any open invoice paid into your connected Wise account.
Available on all plans.
You can disconnect Wise at any time from the same settings card.

FAQs

What happens if a transfer doesn't match any invoice?
It's left unmatched — Handl doesn't guess. You'll still see it on your dashboard as a suggestion if it's a close call, otherwise it simply won't appear as recorded against an invoice.

Do I need to keep the Wise tab open for this to work?
No — matching happens via a webhook from Wise plus a daily automatic check, both running in the background regardless of whether you're logged into Handl or Wise.

Is there a fee for using the Wise connector?
No — it's included on all plans. Invoices paid this way go through your own Wise account, not Stripe, so there's no Handl platform fee either.