Webhook payloads

Webhook payload examples

Below are JSON sample webhook payloads that will be sent to the configured webhook URL when an event is triggered:

account.autopay

.changed

The account.autopay.changed payload:

{
  "event": "account.autopay.changed",
  "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
  "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
  "status": "enabled" // or "disabled"
}

.failed

The account.autopay.failed payload:

{
  "event": "account.autopay.failed",
  "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
  "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
  "amount_in_cents": 10000,
  "statement_start_date": "2023-05-01",
  "statement_end_date": "2023-05-31"
}

.processed

Theaccount.autopay.processed payload:

{
  "event": "account.autopay.processed",
  "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
  "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
  "amount_in_cents": 10000,
  "statement_start_date": "2023-05-01",
  "statement_end_date": "2023-05-31"
}

.scheduled

Theaccount.autopay.scheduled payload:

{
  "event": "account.autopay.scheduled",
  "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
  "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
  "amount_in_cents": 10000,
  "statement_start_date": "2023-05-01",
  "statement_end_date": "2023-05-31"
}

account.statements

.generated

Theaccount.statements.generated payload:

{
  "event": "account.statements.generated",
  "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
  "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
  "statement_start_date": "2023-05-01",
  "statement_end_date": "2023-05-31"
}

.late_payment

Theaccount.statements.late_payment payload:

{
            "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
            "card_account_id": "00c96cd0-0e28-48c1-a8f0-63edba69276d",
            "statement_start_date": "2024-04-01",
            "statement_end_date": "2024-04-30",
            "amount_overdue": 1000,
            "transaction_id": "1601350c-62df-4a0d-b845-ef279c980240",
            "person_id": "dddbe452-f8b0-401f-a348-1650207f13cd",
}

.ready - credit

The account.statements.ready payload for a credit account:

{
    "details": {
        "account_id": "<uuid>",
        "credit": {
            "available_credit": "1377.0",
            "credit_limit": "4222.0",
            "interest_charged": "0.0",
            "minimum_payment_due": "2845.0",
            "payment_due_date": "2025-01-23",
            "payments_and_credits": "0.0",
            "previous_statement_balance": "0.0",
            "purchases": "2845.0",
            "statement_balance": "2845.0"
        },
        "fees": "0.0",
        "statement_end_date": "2024-12-31",
        "statement_id": "<uuid>",
        "statement_month": "2024-12",
        "statement_start_date": "2024-12-01",
        "transactions": [
            {
                "amount": "2845.0",
                "settled_date": "2024-12-04",
                "transaction_date": "2024-12-04",
                "transaction_description": "<transaction statement descriptor>",
                "transaction_type": "Purchase"
            }
        ],
        "type": "credit"
    },
    "event": "account.statements.ready",
    "occurred_at": "2025-01-03T21:41:05.307397+00:00"
}

.ready - deposit

The account.statements.ready payload for a deposit account:

{
    "details": {
        "account_id": "<uuid>",
        "deposit": {
            "beginning_balance": "6798.0",
            "deposits": "13.0",
            "ending_balance": "0.0",
            "withdrawals": "6811.0"
        },
        "fees": "0.0",
        "statement_end_date": "2024-12-31",
        "statement_id": "<uuid>",
        "statement_month": "2024-12",
        "statement_start_date": "2024-12-01",
        "transactions": [
            {
                "amount": "-6811.0",
                "settled_date": "2024-12-21",
                "transaction_date": "2024-12-21",
                "transaction_description": "Transfer",
                "transaction_type": "ACH Withdrawal"
            },
            {
                "amount": "13.0",
                "settled_date": "2024-12-12",
                "transaction_date": "2024-12-12",
                "transaction_description": "Cash back rewards (Oct 2024)",
                "transaction_type": "Account to Account"
            }
        ],
        "type": "deposit"
    },
    "event": "account.statements.ready",
    "occurred_at": "2025-01-01T07:44:24.900322+00:00"
}

card.created

The card.created payload:

{
  "event": "card.created",
  "card": {
    "status": "Active",
    "card_account_id": "00c96cd0-0e28-48c1-a8f0-63edba69276d",
    "last_four": "5181",
    "card_id": "beb8732c-d2ca-4422-b408-91bbe3e2aebf",
    "customer_id": "1601350c-62df-4a0d-b845-ef279c980240"
  },
  "occurred_at": "2022-07-15T16:33:51.032050+00:00"
}

card.status

.active

The card.status.active payload:

{
  "event": "card.status.active",
  "card": {
    "card_id": "9e30d021-3f39-4fcc-935b-e286d7f52807",
    "status": "Active",
    "last_four": "3351"
  },
  "occurred_at": "2022-07-15T19:46:50.778488+00:00"
}

.closed

The card.status.closed payload:

{
  "event": "card.status.closed",
  "card": {
    "card_id": "5475ad4b-1ae8-4e9e-b4c2-d1badff35564",
    "status": "Closed",
    "last_four": "9472"
  },
  "occurred_at": "2022-07-15T17:10:19.903691+00:00"
}

.fraud

The card.status.fraud payload:

{
  "event": "card.status.fraud",
  "card": {
    "status": "Fraud",
    "card_id": "ee98bd82-a63b-452b-b884-f672a33e8db0",
    "last_four": "3586"
  },
  "occurred_at": "2022-07-15T17:05:05.814836+00:00"
}

.inactive

The card.status.inactive payload:

{
  "event": "card.status.inactive",
  "card": {
    "card_id": "ee98bd82-a63b-452b-b884-f672a33e8db0",
    "status": "Inactive",
    "last_four": "3586"
  },
  "occurred_at": "2022-07-15T17:05:11.905684+00:00"
}

.reissue

The card.status.reissue payload:

{
  "event": "card.status.reissue",
  "card": {
    "status": "Reissue",
    "card_id": "ee98bd82-a63b-452b-b884-f672a33e8db0",
    "last_four": "3586"
  },
  "occurred_at": "2022-07-15T17:05:52.316767+00:00"
}

develop.api_key.created

The develop.api_key.created payload:

{
  "event": "develop.api_key.created",
  "occurred_at": "2023-10-06T20:03:48.508039+00:00",
  "created_by": "test@bond.tech",
  "identity": "1601350c-62df-4a0d-b845-ef279c980240",
  "key_name": "test_key"
}

fraud_operations

.freeze.initiated

The fraud_operations.freeze.initiated payload:

{
  "event": "fraud_operations.freeze.initiated",
  "occurred_at": "2025-04-29T15:30:45.123456+00:00",
  "details": {
    "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
    "operation_id": "a7b9c123-4567-89d0-ef12-34567890abcd",
    "requested_by": "fraud_analyst@company.com",
    "source": "Portal",
    "action_type": "Freeze"
  }
}

.freeze.success

The fraud_operations.freeze.success payload:

{
  "event": "fraud_operations.freeze.success",
  "occurred_at": "2025-04-29T15:31:15.123456+00:00",
  "details": {
    "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
    "operation_id": "a7b9c123-4567-89d0-ef12-34567890abcd",
    "requested_by": "fraud_analyst@company.com",
    "source": "Portal",
    "action_type": "Freeze",
    "account_status_update": "Success",
    "i2c_comment_status_update": "Success",
    "persona_account_status_update": "Success"
  }
}

.freeze.failed

The fraud_operations.freeze.failed payload:

{
  "event": "fraud_operations.freeze.failed",
  "occurred_at": "2025-04-29T15:31:15.123456+00:00",
  "details": {
    "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
    "operation_id": "a7b9c123-4567-89d0-ef12-34567890abcd",
    "requested_by": "fraud_analyst@company.com",
    "source": "Portal",
    "action_type": "Freeze",
    "account_status_update": "Failed",
    "i2c_comment_status_update": null,
    "persona_account_status_update": null,
    "error_message": "Unable to update account/card status",
    "error_code": "ERROR_CODE_ACCOUNTING_SERVICE_INTERNAL_ERROR"
  }
}

.close.success

The fraud_operations.close.success payload:

{
  "event": "fraud_operations.close.success",
  "occurred_at": "2025-04-29T17:31:15.123456+00:00",
  "details": {
    "customer_id": "1601350c-62df-4a0d-b845-ef279c980240",
    "operation_id": "c9d1e345-6789-01f2-gh34-56789012cdef",
    "requested_by": "fraud_analyst@company.com",
    "source": "Portal",
    "action_type": "Close",
    "account_status_update": "Success",
    "i2c_comment_status_update": "Success",
    "persona_account_status_update": "Success"
  }
}

kyc.verification

.document_required

The kyc.verification.document_required payload:

{
  "event": "kyc.verification.document_required",
  "occurred_at": "2023-03-20T15:41:10.620021+00:00",
  "inquiry_id": "inq_Y8Pe2kSAJ7away95sUUXBpAh",
  "customer_id": "e413a8e7-f072-4e6d-9589-cea35de849c5",
  "documents": [
    {
      "document_type": "persona",
      "status": "required",
      "upload_link": "https://inquiry.withpersona.com/verify?environment=sandbox&inquiry-id=inq_Y8Pe2kSAJ7away95sUUXBpAh"
    }
  ]
}

.under_review

The kyc.verification.under_review payload:

{
  "event": "kyc.verification.under_review",
  "customer_id": "1d48c087-f68e-48ab-b779-a15a3dca4c27",
  "occurred_at": "2022-07-15T16:54:12.058527+00:00"
}

.success

The kyc.verification.success payload:

{
  "event": "kyc.verification.success",
  "customer_id": "1d48c087-f68e-48ab-b779-a15a3dca4c27",
  "occurred_at": "2022-07-15T16:36:46.167945+00:00"
}

.failure

The kyc.verification.failure payload:

{
  "event": "kyc.verification.failure",
  "customer_id": "1d48c087-f68e-48ab-b779-a15a3dca4c27",
  "occurred_at": "2022-07-15T16:41:10.284335+00:00"
}

.timeout

The kyc.verification.timeout payload:

{
  "event": "kyc.verification.timeout",
  "occurred_at": "2022-07-15T19:10:50.187657+00:00",
  "customer_id": "6c83e28d-f93b-4446-86e4-a68b414a39e6"
}

.approved

The kyb.verification.approved payload:

{
  "event": "kyb.verification.approved",
  "business_id": "0b84df2b-c344-4e70-a496-ecec769a84af",
  "occurred_at": "2022-07-15T17:06:41.122010+00:00"
}

credit.application

.created

Thecredit.application.created payload:

{
  "event": "credit.application.created",
  "occurred_at": "2022-08-23T20:55:32.495309+00:00",
  "details": {
    "resource": "credit.application",
    "data": {
      "applicant": {
        "ssn": "XXXXX1234",
        "monthly_housing_payment": 1000,
        "zip_code": "94104",
        "street2": "Ste 600",
        "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
        "total_annual_income": 100000,
        "date_of_birth": "1970-01-01",
        "street1": "345 California St",
        "city": "San Francisco",
        "email": "no-reply@bond.tech",
        "phone_country_code": null,
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "last_name": "Bond",
        "middle_name": "",
        "phone": null,
        "state": "CA",
        "first_name": "James",
        "country": "US"
      },
      "application_id": "109079cb-7995-4e67-be10-ad5279c6c352",
      "accounts": {
        "security_deposit_account_id": null
      },
      "date_updated": "2022-08-23T20:55:32.196736Z",
      "program_id": "816d1c5a-f3d5-4dc0-84b2-7c6dff6a7c4c",
      "date_created": "2022-08-23T20:55:32.194323Z",
      "application_status": "created"
    }
  }
}

.submitted

The credit.application.submitted payload:

{
  "event": "credit.application.submitted",
  "occurred_at": "2022-08-23T20:55:55.663776+00:00",
  "details": {
    "resource": "credit.application",
    "data": {
      "date_updated": "2022-08-23T20:55:55.523519Z",
      "date_created": "2022-08-23T20:55:32.194323Z",
      "accounts": {
        "security_deposit_account_id": null
      },
      "application_id": "109079cb-7995-4e67-be10-ad5279c6c352",
      "program_id": "816d1c5a-f3d5-4dc0-84b2-7c6dff6a7c4c",
      "application_status": "submitted",
      "applicant": {
        "ssn": "XXXXX1234",
        "monthly_housing_payment": 1000,
        "zip_code": "94104",
        "street2": "Ste 600",
        "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
        "total_annual_income": 100000,
        "date_of_birth": "1970-01-01",
        "street1": "345 California St",
        "city": "San Francisco",
        "email": "no-reply@atelio.com",
        "phone_country_code": null,
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "last_name": "Bond",
        "middle_name": "",
        "phone": null,
        "state": "CA",
        "first_name": "James",
        "country": "US"
      }
    }
  }
}

.approved

The credit.application.approved payload:

{
  "event": "credit.application.approved",
  "occurred_at": "2022-08-23T20:56:03.778815+00:00",
  "details": {
    "resource": "credit.application",
    "data": {
      "application_id": "109079cb-7995-4e67-be10-ad5279c6c352",
      "applicant": {
        "ssn": "XXXXX1234",
        "monthly_housing_payment": 1000,
        "zip_code": "94104",
        "street2": "Ste 600",
        "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
        "total_annual_income": 100000,
        "date_of_birth": "1970-01-01",
        "street1": "345 California St",
        "city": "San Francisco",
        "email": "no-reply@bond.tech",
        "phone_country_code": null,
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "last_name": "Bond",
        "middle_name": "",
        "phone": null,
        "state": "CA",
        "first_name": "James",
        "country": "US"
      },
      "date_updated": "2022-08-23T20:56:03.763837Z",
      "date_created": "2022-08-23T20:55:32.194323Z",
      "application_status": "approved",
      "accounts": {
        "security_deposit_account_id": "598f15bd-407f-4a6e-9eba-ce81d3090c3f"
      },
      "program_id": "816d1c5a-f3d5-4dc0-84b2-7c6dff6a7c4c"
    }
  }
}

.resubmit_required

The credit.application.resubmit_required payload:

{
  "event": "credit.application.resubmit_required",
  "occurred_at": "2022-07-23T20:00:17.018488+00:00",
  "details": {
    "data": {
      "application_id": "8717de3b-ccdc-4471-9a0a-eb2d2796e113",
      "accounts": {
        "security_deposit_account_id": null
      },
      "date_updated": "2022-07-23T20:00:16.997852Z",
      "application_status": "resubmit_required",
      "date_created": "2022-07-23T19:58:12.775384Z",
      "applicant": {
        "ssn": "XXXXX1234",
        "monthly_housing_payment": 1000,
        "zip_code": "94104",
        "street2": "Ste 600",
        "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
        "total_annual_income": 100000,
        "date_of_birth": "1970-01-01",
        "street1": "345 California St",
        "city": "San Francisco",
        "email": "no-reply@bond.tech",
        "phone_country_code": null,
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "last_name": "Bond",
        "middle_name": "",
        "phone": null,
        "state": "CA",
        "first_name": "James",
        "country": "US"
      },
      "program_id": "1be27a53-e449-4d5f-8be6-d7c930ea79c4"
    },
    "resource": "credit.application"
  }
}

.adverse_action

The credit.application.adverse_action payload:

{
  "event": "credit.application.adverse_action",
  "sent_time": "2022-06-24T18:36:30.416759",
  "details": {
    "resource": "credit.application",
    "data": {
      "application_id": "aff6e905-5f4e-49fa-8098-ef7681b056dc",
      "applicant": {
        "ssn": "XXXXX1234",
        "monthly_housing_payment": 1000,
        "zip_code": "94104",
        "street2": "Ste 600",
        "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
        "total_annual_income": 100000,
        "date_of_birth": "1970-01-01",
        "street1": "345 California St",
        "city": "San Francisco",
        "email": "no-reply@bond.tech",
        "phone_country_code": null,
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "last_name": "Bond",
        "middle_name": "",
        "phone": null,
        "state": "CA",
        "first_name": "James",
        "country": "US"
      },
      "adverse_action": {
            "id": "0a7457c4-e195-4711-9aeb-95f21edd47bb",
            "application_id": "a09cf774-29fe-4a1b-82f3-4ac365136074",
            "date_created": "2022-04-11T13:13:27.197638Z",
            "date_updated": "2022-04-11T13:13:27.284854Z",
            "service": "kyc",
            "reasons": [\
                "Unable to verify identity"\
            ]
        },
      "date_created": "2022-06-24T18:34:02.808056Z",
      "date_updated": "2022-06-24T18:36:30.401454Z",
      "program_id": "4ff0aefa-a02f-4d20-b520-33eefcd8d5e2",
      "application_status": "denied",
      "accounts": {
        "security_deposit_account_id": null
      }
    }
  }
}

customer.updated

The customer.updated payload:

{
  "event": "customer.updated",
  "occurred_at": "2023-10-18T16:27:26.984242+00:00",
  "details": {
    "last_name": "Bond",
    "phone_country_code": "1",
    "addresses": [
      {
        "zip_code": "12345-1111",
        "city": "San Francisco",
        "address_id": "b4f3c81b-96fc-49b3-8517-cf8e75af5012",
        "country": "US",
        "date_created": "2022-04-25T03:31:46.824113+00:00",
        "state": "CA",
        "street": "123 Market St",
        "address_type": "PHYSICAL",
        "street2": "",
        "is_primary": true
      }
    ],
    "first_name": "James",
    "business_id": null,
    "customer_id": "9e1981d9-59c4-433b-a269-e63fb463f36f",
    "email": "test@bond.tech",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "middle_name": "Herbert",
    "kyc_requests_available": 0,
    "ssn": "XXX-XX-5555",
    "date_created": "2022-04-25T03:31:46.822224+00:00",
    "brand_person_id": "832be8a2-7f5e-4d92-c1dd-b5923cc57f88",
    "dob": "1920-11-11",
    "phone": "1234567890"
  }
}

portal.data_export

The portal.data_export payload:

{
  "event": "portal.data_export",
  "occurred_at": "2023-10-10T15:39:40.688784+00:00",
  "created_by": "test@bond.tech",
  "details": {
    "business_id": null,
    "transaction_type": null,
    "order_by": "desc",
    "transaction_state": null,
    "report_type": "transaction",
    "num_rows": 100,
    "payment_type": null,
    "start_date": "2023-09-10",
    "transaction_id": null,
    "end_date": "2023-10-10",
    "customer_id": null
  }
}

transactions

The transactions payload.

Below are payload examples for each type of transaction:

• Card payment
• ACH transfer
• Card-to-card transfer

Card payment

{
  "event": "transactions",
  "transaction": {
    "transaction_id": "f3d106b6-45b3-45bd-be44-7c56687cc58a",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "customer_id": "90513b2a-bfe9-4f8a-8eb7-53a62ae17f6e",
    "account_id": "5f7fbde2-520f-4805-8dcd-848b5aa0298a",
    "payment_type": "card",
    "transaction_type": "POS Purchase",
    "state": "pending",
    "description": "Pre-Auth Transaction-POS Signature Purchase - Partial Amount",
    "amount": "-21.93",
    "fee": "0.00",
    "currency": "USD",
    "created_time": "2022-07-15T18:57:28+00:00",
    "updated_time": "2022-07-15T18:57:28+00:00",
    "balances": {
      "prior_balance": "-38.07",
      "new_balance": "-60.00"
    },
    "details": {
      "card_id": "02045f3a-4e4e-4b79-84cc-f45e9427674a",
      "mcc": "5814",
      "mcc_description": "Fast Food",
      "currency": "USD",
      "exchange_rate": "1.00",
      "merchant_id": "4445197736264",
      "merchant_name": "Wendy'S #878",
      "merchant_city": "SAN BRUNO    ",
      "merchant_state": "CA",
      "merchant_currency": "USD",
      "merchant_amount": "-22.72",
      "cardholder_presence": true,
      "statement_descriptor": "WENDY'S #878             SAN BRUNO    CAUSA"
    }
  },
  "occurred_at": "2022-06-28T15:38:50.473639+00:00"
}

ACH transfer

{
  "event": "transactions",
  "transaction": {
    "transaction_id": "337f8357-babc-4362-b814-fa2c5aaf19b6",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "customer_id": "08dcd97e-bacb-4da3-bd36-2a8e5655400e",
    "account_id": "b9302eb7-c9ce-4487-a790-d31d12448b34",
    "payment_type": "ach",
    "transaction_type": "ACH Deposit",
    "state": "pending",
    "amount": "0.01",
    "currency": "USD",
    "created_time": "2022-07-15T16:08:54.226382+00:00",
    "updated_time": "2022-07-15T16:08:54.226382+00:00",
    "details": {
        "class_code": "WEB",
        "destination_account_id": "297b260d-b786-415f-be56-b8682081f356",
        "is_card_payment": "False",
        "is_repayment": "False",
        "originating_account_id": "a0e6f8a5-929a-4555-b339-55d2b3f931cf",
        "same_day": "True"
    }
  },
  "occurred_at": "2022-06-23T16:22:06.612669+00:00"
}

Card-to-card transfer

{
  "event": "transactions",
  "transaction": {
    "transaction_id": "0721ae9e-616b-4af8-864c-3b7c8b740424",
    "bond_brand_id": "5ca99020-807b-45fa-897f-c0fbf90be275",
    "customer_id": "4a70f31c-4e2e-4566-b867-642e3470dab2",
    "account_id": "d5b95905-9421-47c0-beb7-ddd6a26e25a8",
    "payment_type": "account",
    "transaction_type": "Card to Card Transfer",
    "state": "completed",
    "amount": "10.00",
    "currency": "USD",
    "created_time": "2022-07-15T19:41:35+00:00",
    "updated_time": "2022-07-15T19:41:35+00:00",
    "balances": {
      "prior_balance": "180.01",
      "new_balance": "190.01"
    },
    "details": {
      "origination_card_id": "9e30d021-3f39-4fcc-935b-e286d7f52807",
      "destination_card_id": "66ce7043-1a1f-48b2-9240-82be0ed0f539"
    }
  },
  "occurred_at": "2022-06-23T16:22:06.943717+00:00"
}