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API Partners can use webhooks to receive automated notifications about all the events of their programs in real time. Rather than requiring to pull information via our API, this will push information to your URL when important events occur. Webhooks are delivered via HTTPS POST to a configured URL on your server and your server should return HTTP status code 200 OK to acknowledge the receipt of the notification. When sending a webhook to both the vendor and the processor, it involves transmitting relevant data payloads tailored to each recipient’s specific needs. Moreover, the source API or financing type is incorporated into the payload, specifying whether the transaction involves credit, debit, or alternative financial arrangements, thereby ensuring accurate processing and comprehensive record-keeping for both vendor and processor.

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Request Header

Verifying the origin of webhooks from our API guarantees the authenticity of a webhook notification. Each request sent to your webhook URL will carry a header named X-Caller-Auth, containing the SHA256 encryption of your API key. It is of utmost importance to authenticate this key in order to ascertain that the webhook request indeed originates from our API.

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Security

Your webhook URL in the our sandbox and production environment must be HTTPS or the webhook event will not be sent.

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Response & Retry Logic

You must respond with HTTP status code 200 OK to confirm that you have received and successfully processed the webhook request.

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Available Webhook Events

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Bank Account Removed Event

Our API offers a webhook that executes each time when a bank account has been deleted. The webhook payload structure is: 
{
    "event": "BankAccountRemoved",
    "account_uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "user_uuid": "ce334276-3a2e-4db6-8e67-600ed1fcd397",
  	"aggregator_type": "bank_link",
    "account_number": "45287159",    
    "provider_name": "chase",
    "routing_number": "011401533"
}
Our ACH API offers a webhook that executes each time when a bank account has not linked due to some reason. The webhook payload structure is: 
{
    "event": "BankLinkFailed",
    "user_uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
  	"aggregator_type": "bank_link",
    "vendor_id": "123456",
    "failed_reason": ".....",
    "source": "api",
    "ui_notified": true|false
}

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Bank Linked Successfully Event

Our ACH API offers a webhook that executes each time when a bank account has been linked successfully. The webhook payload structure is: 
{
    "event": "BankLinkedSuccessfully",
    "account_uuid": "becdf333-53cc-4db1-a6bd-a01b1ba9585c",
    "user_uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "aggregator_type": "bank_link",
    "source": "api",
    "account_id": "acc_9Dw8QmdZtcXrEMDuZWLyfi",
    "account_number": "45287159",
    "routing_number": "011401533",
    "provider_name": "chase",
    "vendor_id": "12345",
    "ui_notified": true|false
}

​
Batch Payout Event

Our ACH API offers a webhook that execute each time when batch payout has been initiated to processor. The webhook payload structure is: 
{
    "event": "BatchPayout",
    "uuid": "9bd53fe1-ac74-4e81-b6f2-be88b7c86a68",
    "amount": 10100,
    "created_at": "2024-04-18 01:00:20",
    "updated_at": "2024-04-18 01:00:20"
}

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Batch Refund Event

Our ACH API offers a webhook that execute each time when Debit ACH has been created from processor’s bank account. Note:
  • This webhook will be initiated only when processor has been configured to batch payouts.
  • Our ACH API will create a debit ACH from the processor for all refund requests of the day.
The webhook payload structure is: 
{
    "event": "BatchRefund",
    "uuid": "9bd53fe1-ac74-4e81-b6f2-be88b7c86a68",
    "amount": 10100,
    "created_at": "2024-04-18 01:00:20",
    "updated_at": "2024-04-18 01:00:20"
}

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Business Created Event

Our ACH API offers a webhook that executes each time when a business account has created. The webhook payload structure is: 
{
    "event": "BusinessCreated",
    "uuid": "401c79dd-d38c-4c3a-8edf-1afac5914d2d",
    "first_name": "Jack",
    "last_name": "Jones",
    "name": "Jack Inc.",
    "tin": "961862955",
    "user_status": "Approved|On Hold|Rejected",
    "kyb_status": "Approved|In Review|Failed|null",
    "email": "[email protected]",
    "phone": "2541234567",                    
    "address": {
        "street_address": "20 Elmora Ave",
        "additional_address": "",
        "city": "Elizabeth",
        "state": "NJ",
        "country": "US",
        "zip": "07202"
    },
    "business_owners": [],
    "financing_credit_balance": null,
    "source": "api",
    "created_at": "2023-06-10 14:15:54",
    "updated_at": "2023-06-10 14:15:54"
}

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Business Updated Event

Our ACH API offers a webhook that execute each time when a business has updated The webhook payload structure is: 
{
    "event": "BusinessUpdated",
    "uuid": "401c79dd-d38c-4c3a-8edf-1afac5914d2d",
    "first_name": "Jack",
    "last_name": "Jones",
    "name": "Jack Inc.",
    "tin": "961862955",
    "user_status": "Approved|On Hold|Rejected",
    "kyb_status": "Approved|In Review|Failed|null",
    "email": "[email protected]",
    "phone": "2541234567",                    
    "address": {
        "street_address": "20 Elmora Ave",
        "additional_address": "",
        "city": "Elizabeth",
        "state": "NJ",
        "country": "US",
        "zip": "07202"
    },
    "business_owners": [],
    "financing_credit_balance": null,
    "source": "api",
    "vendor_uuid": "93a0fc84-20e5-4baf-8cde-e32130f535cd",
    "created_at": "2023-06-10 14:15:54",
    "updated_at": "2023-06-10 14:15:54"
}

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Clawback Completed Event

Our ACH API offers a webhook that execute each time when payout return has been completed.
  • Please note that this event indicates that the payout return has been sent on our end. It does not indicate that the money has been successfully delivered by the bank yet.
The webhook payload structure is: 
{
    "event": "ClawbackCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CLAWBACK_COMPLETE",
    "capture_status": "CAPTURE_ACH_FAILED",
    "payout_status": "PAYOUT_COMPLETE",
    "clawback_status": "CLAWBACK_COMPLETE",
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "failure_reason": "Insufficient funds",
    "failure_code": "R01",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Clawback Failed Event

Our ACH API offers a webhook that execute each time when payout return has been failed. The webhook payload structure is: 
{
    "event": "ClawbackFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CLAWBACK_ACH_FAILED",
    "capture_status": "CAPTURE_ACH_FAILED",
    "payout_status": "PAYOUT_COMPLETE",
    "clawback_status": "CLAWBACK_ACH_FAILED",
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "failure_reason": "Insufficient funds",
    "failure_code": "R01",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Clawback Started Event

Our ACH API offers a webhook that execute each time when payout return has been initiated. A payout return occurs when a transaction fails (with a specific reason code) after the payout has already been initiated. The webhook payload structure is: 
{
    "event": "ClawbackStarted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CLAWBACK_ACH_PENDING",
    "capture_status": "CAPTURE_ACH_FAILED",
    "payout_status": "PAYOUT_COMPLETE",
    "clawback_status": "CLAWBACK_ACH_PENDING",
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "failure_reason": "Insufficient funds",
    "failure_code": "R01",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Payout Completed Event

Our ACH API offers a webhook that executes each time the payout (transfer money to payee) has been completed.
  • Please note that this event indicates that the payout has been sent on our end. It does not indicate that the money has been successfully delivered by the bank yet.
The webhook payload structure is: 
{
    "event": "PayoutCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_COMPLETE",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": "PAYOUT_COMPLETE",
    "reverse_payout_status": null,
    "clawback_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Payout Failed Event

Our ACH API offers a webhook that executes each time the payout (transfer money to payee) has failed due to some reason. The webhook payload structure is: 
{
    "event": "PayoutFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_ACH_FAILED",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": "PAYOUT_ACH_FAILED",
    "clawback_status": null,
    "reverse_payout_status": "REVERSE_PAYOUT_PENDING",
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Capture Completed Event

Our ACH API offers a webhook that execute each time when Debit ACH has been completed from payee’s or processor’s bank account. The webhook payload structure is: 
{
    "event": "RefundCaptureCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_ACH_PENDING",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Capture Failed Event

Our ACH API offers a webhook that execute each time when Debit ACH has been failed from payee’s or processor’s bank account. The webhook payload structure is: 
{
    "event": "RefundCaptureFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_FAILED",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "failure_reason": "Account closed",
    "failure_code": "R02",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Capture Started Event

Our ACH API offers a webhook that execute each time when refund request has been started and Debit ACH has been initiated from payee’s or processor’s bank account. Note:
  • For individual payouts, Our ACH API will create a debit ACH from the payee or processor for each refund request.
  • For batch payouts, Our ACH API will create a debit ACH from the processor for all refund requests of the day.
  • In both cases, this webhook will be initiated for each refund request.
The webhook payload structure is: 
{
    "event": "RefundCaptureStarted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_CAPTURE_ACH_PENDING",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Payout Completed Event

Our ACH API offers a webhook that execute each time when refund has been completed and fund has been sent to payer’s bank account. The webhook payload structure is: 
{
    "event": "RefundPayoutCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_COMPLETE",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Payout Failed Event

Our ACH API offers a webhook that execute each time when Credit ACH has been failed to payer’s bank account. The webhook payload structure is: 
{
    "event": "RefundPayoutFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_FAILED",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "failure_reason": "Account closed",
    "failure_code": "R02",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Payout Pending Event

Our ACH API offers a webhook that execute each time when Credit ACH has been initiated to payer’s bank account. The webhook payload structure is: 
{
    "event": "RefundPayoutPending",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_ACH_PENDING",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Refund Pending Event

Our ACH API offers a webhook that execute each time when refund request has been created. The webhook payload structure is: 
{
    "event": "RefundPending",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "transaction_uuid": "7049f46f-8502-402e-952b-b29ad5ec8a55",
    "amount": 12000,
    "status": "REFUND_PENDING",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "client_reference_id": "",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Reverse Payout Completed Event

Our ACH API offers a webhook that execute each time when reverse payout has been completed. The webhook payload structure is: 
{
    "event": "ReversePayoutCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_ACH_FAILED",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": "PAYOUT_ACH_FAILED",
    "clawback_status": null,
    "reverse_payout_status": "REVERSE_PAYOUT_COMPLETE",
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Reverse Payout Failed Event

Our ACH API offers a webhook that execute each time when reverse payout has been failed due to some reason. The webhook payload structure is: 
{
    "event": "ReversePayoutFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_ACH_FAILED",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": "PAYOUT_ACH_FAILED",
    "clawback_status": null,
    "reverse_payout_status": "REVERSE_PAYOUT_FAILED",
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Reverse Payout Started Event

Our ACH API offers a webhook that execute each time when reverse payout has been processed. The webhook payload structure is: 
{
    "event": "ReversePayoutStarted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_ACH_FAILED",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": "PAYOUT_ACH_FAILED",
    "clawback_status": null,
    "reverse_payout_status": "REVERSE_PAYOUT_ACH_PENDING",
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Transaction Capture Started Event

Our ACH API offers a webhook that executes each time when ACH has been processed The webhook payload structure is: 
{
    "event": "TransactionCaptureStarted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CAPTURE_ACH_PENDING",
    "capture_status": "CAPTURE_ACH_PENDING",
    "payout_status": null,
    "clawback_status": null,
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Transaction Canceled Event

Our ACH API offers a webhook that executes each time when transaction has been canceled. The webhook payload structure is: 
{
    "event": "TransactionCanceled",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CANCELED",
    "capture_status": "CANCELED",
    "payout_status": null,
    "clawback_status": null,
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "cancel_reason": null,
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Transaction Completed Event

Our ACH API offers a webhook that executes each time when transaction has been completed. The webhook payload structure is: 
{
    "event": "TransactionCompleted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "PAYOUT_PENDING_ACH",
    "capture_status": "CAPTURE_COMPLETE",
    "payout_status": null,
    "clawback_status": null,
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}

​
Transaction Failed Event

Our ACH API offers a webhook that executes each time the transaction has failed due to some reason. The webhook payload structure is: 
{
    "event": "TransactionFailed",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CAPTURE_ACH_FAILED",
    "capture_status": "CAPTURE_ACH_FAILED",
    "payout_status": null,
    "clawback_status": null,
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "failed_reason": "Insufficient funds",
    "ach_return_code": "R01",
    "failure_reason": "Insufficient funds",
    "failure_code": "R01",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}
If for some reason the payment cannot be successfully processed the error details will be sent in the payload through a variable called ach_return_code along with the corresponding R code in ‘ach_return_code’. For a list of ACH return codes see our Return Codes documentation.

​
Transaction Started Event

Our ACH API offers a webhook that executes each time when a transaction has been successfully created and ACH has not been processed yet. The webhook payload structure is: 
{
    "event": "TransactionStarted",
    "uuid": "b5c337d8-d886-11ed-afa1-0242ac120002",
    "payer_uuid": "aae3664b-db18-428c-9a2f-a876f259a7c3",
    "payee_uuid": "54f964d4-7ade-4cd1-a278-4f21cad18a2b",
    "status": "CAPTURE_PENDING",
    "capture_status": "CAPTURE_PENDING",
    "payout_status": null,
    "clawback_status": null,
    "reverse_payout_status": null,
    "currency": "USD",
    "amount": 12000,
    "transaction_fee": 300,
    "client_reference_id": "",
    "payout_delay_days": 2,
    "type": "api",
    "created_at": "2023-04-11 14:25:26",
    "updated_at": "2023-04-11 18:25:26"
}