Webhook Events
Each business flow in Finix (e.g creating an authorization, creating an identity, provisioning a merchant, refunding a debit, etc.) has several events that triggers webhooks.
This table details the business flow when given an entity and type:
entity |
type |
description |
|---|---|---|
| transfer | created | A transfer was created. The transfer.type and transfer.state tell you what type of transfer occurred and whether it is PENDING or SUCCEEDED. |
| transfer | updated | A transfer was updated. The transfer tells you the snapshot of the transfer at that moment of time. |
| authorization | created | An authorization was created. It still needs to be captured. |
| authorization | updated | An authorization was updated. If it was captured, you are sent an event for the corresponding transfer that was created. For voids, the void_state will be PENDING. |
| instrument | created | A Payment Instrument was created. The payment_instrument.type tells you what type of payment instrument was created. |
| instrument_update | created | A payment instrument was updated from account updater. The payment_instrument is the id of the new payment instrument created. |
| merchant | created | A merchant was created and submitted for provisioning. |
| merchant | updated | A merchant was updated. This commonly happens when provisioning merchants and updating merchant details. The merchants.onboarding_state will tell you if the request was APPROVED or REJECTED. |
| merchant | underwritten | A merchant was underwritten and can now start handling payments. |
| merchant_profile | created | A merchant's info was submitted to third-party processors for provisioning. |
| merchant_profile | updated | A provision merchant request was updated. The merchants.onboarding_state will tell you if the request was APPROVED or REJECTED. |
| verification | created | A verification was created. The verifications.state will tell you if the request was APPROVED or REJECTED. |
| verification | updated | A verification was updated. This commonly happens when provisioning merchants and verifying payment instruments. |
| risk_profile | created | A risk_profile was created. The resource is created and used when provisioning merchants. |
| settlement | created | A settlement was created. settlements.total_amount and settlements.net_amount tells you the total of the payout. |
Sample payloads
The events that happen in Finix, and their payloads are:
Create an Authorization
{
"type": "updated",
"entity": "authorization",
"occurred_at": "2020-04-26T22:58 :30.584",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 100,
"trace_id": "db10f58f-b56b-4a38-bec2-7fd46e5569f4",
"raw": null,
"created_at": "2020-04-26T22:58:30.41Z",
"source": "PI5JEJTNwLzZ8rMMFV9QkaHz",
"merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
"tags": {
"order_number": "21DFASJSAKAS"
},
"3ds_redirect_url": null,
"void_state": "UNATTEMPTED",
"transfer": null,
"expires_at": "2020-05-03T22:58:30.41Z",
"application": "APkBUdiWzBjUAkfnbkirXs6d",
"updated_at": "2020-04-26T22:58:30.52Z",
"is_void": false,
"messages": [],
"currency": "USD",
"id": "AUWgEWUiRvi5PCeBaPHcfti",
"state": "SUCCEEDED"
}
]
}
}Capture an Authorization
The event that gets sent has authorizations.transfer populated:
-
entity= authorization -
type= updated -
transfer= :TRANSFER_ID:
{
"type": "updated",
"entity": "authorization",
"occurred_at": "2020-04-26T23:00:23.467",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 100,
"trace_id": "db10f58f-b56b-4a38-bec2-7fd46e5569f4",
"raw": null,
"created_at": "2020-04-26T22:58:30.41Z",
"source": "PI5JEJTNwLzZ8rMMFV9QkaHz",
"merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
"tags": {
"order_number": "21DFASJSAKAS"
},
"3ds_redirect_url": null,
"void_state": "UNATTEMPTED",
"transfer": "TRL2VyFmBBLKcR5nqbhcHRQ",
"expires_at": "2020-05-03T22:58:30.41Z",
"application": "APkBUdiWzBjUAkfnbkirXs6d",
"updated_at": "2020-04-26T23:00:23.05Z",
"is_void": false,
"messages": [],
"currency": "USD",
"id": "AUWgEWUiRvi5PCeBaPHcfti",
"state": "SUCCEEDED"
}
]
}
}Void an Authorization
{
"type": "updated",
"entity": "authorization",
"occurred_at": "2020-04-26T23:03:41.447",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 100,
"trace_id": "894b3aaa-f839-4b73-9664-2605c5c952ba",
"raw": null,
"created_at": "2020-04-26T23:03:12.76Z",
"source": "PI5JEJTNwLzZ8rMMFV9QkaHz",
"merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
"tags": {
"order_number": "21DFASJSAKAS"
},
"3ds_redirect_url": null,
"void_state": "PENDING",
"transfer": null,
"expires_at": "2020-05-03T23:03:12.76Z",
"application": "APkBUdiWzBjUAkfnbkirXs6d",
"updated_at": "2020-04-26T23:03:41.39Z",
"is_void": true,
"messages": [],
"currency": "USD",
"id": "AUJKRcCGbLVQAGrAt5FY4wy",
"state": "SUCCEEDED"
}
]
}
}{
"type": "updated",
"entity": "authorization",
"occurred_at": "2020-04-26T23:04:04.585",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 100,
"trace_id": "894b3aaa-f839-4b73-9664-2605c5c952ba",
"raw": null,
"created_at": "2020-04-26T23:03:12.76Z",
"source": "PI5JEJTNwLzZ8rMMFV9QkaHz",
"merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
"tags": {
"order_number": "21DFASJSAKAS"
},
"3ds_redirect_url": null,
"void_state": "PENDING",
"transfer": null,
"expires_at": "2020-05-03T23:03:12.76Z",
"application": "APkBUdiWzBjUAkfnbkirXs6d",
"updated_at": "2020-04-26T23:04:04.52Z",
"is_void": true,
"messages": [],
"currency": "USD",
"id": "AUJKRcCGbLVQAGrAt5FY4wy",
"state": "SUCCEEDED"
}
]
}
}[Card Present] Authorization with EMV card
{
"type": "created",
"entity": "instrument",
"occurred_at": "2020-04-29T20:31:03.284",
"_embedded": {
"instruments": [
{
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:03.23Z",
"identity": "IDd76bhnKyKTjzbqwd939WnV",
"fingerprint": "FPR5w2uCguRwhbtWmcJmirkhf",
"created_at": "2020-04-29T20:31:03.23Z",
"currency": "USD",
"id": "PIaZwAfmK2YBX9bUT44uvCLa",
"instrument_type": "PAYMENT_CARD_PRESENT",
"type": "PAYMENT_CARD_PRESENT",
"tags": {}
}
]
}
}{
"type": "created",
"entity": "identity",
"occurred_at": "2020-04-29T20:31:03.097",
"_embedded": {
"identitys": [
{
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:03.01Z",
"created_at": "2020-04-29T20:31:03.01Z",
"id": "IDd76bhnKyKTjzbqwd939WnV",
"entity": {
"title": null,
"first_name": null,
"last_name": null,
"email": null,
"business_name": null,
"business_type": null,
"doing_business_as": null,
"phone": null,
"business_phone": null,
"personal_address": null,
"business_address": null,
"mcc": null,
"dob": null,
"max_transaction_amount": 0,
"amex_mid": null,
"discover_mid": null,
"url": null,
"annual_card_volume": 0,
"has_accepted_credit_cards_previously": false,
"incorporation_date": null,
"principal_percentage_ownership": null,
"short_business_name": null,
"ownership_type": null,
"tax_authority": null,
"tax_id_provided": false,
"business_tax_id_provided": false,
"default_statement_descriptor": null
},
"tags": {}
}
]
}
}{
"type": "created",
"entity": "authorization",
"occurred_at": "2020-04-29T20:31:17.059",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 1000,
"trace_id": "FNX7jwSr5QhQdR2E4PZkLxYTW",
"raw": null,
"created_at": "2020-04-29T20:31:03.39Z",
"source": "PIaZwAfmK2YBX9bUT44uvCLa",
"merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
"tags": {},
"3ds_redirect_url": null,
"void_state": "UNATTEMPTED",
"transfer": null,
"expires_at": "2020-05-06T20:31:03.39Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:16.99Z",
"is_void": false,
"messages": [],
"currency": "USD",
"id": "AUuf31ZzUArRnv7R8MpU5PbZ",
"state": "SUCCEEDED",
"device": "DV4b5w1TNAkBu9RTgXU7C19b"
}
]
}
}{
"type": "updated",
"entity": "transfer",
"occurred_at": "2020-04-29T20:31:31.316",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 49,
"trace_id": "FNXv1zcDHfFZa3optZaY2e3Gr",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:31:30.98Z",
"source": null,
"fee_type": "CARD_BASIS_POINTS",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:31:30.78Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:31.27Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRnBcXRXLtQXYvTAa5agSV73",
"state": "SUCCEEDED"
}
]
}
}{
"type": "updated",
"entity": "transfer",
"occurred_at": "2020-04-29T20:31:31.733",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 30,
"trace_id": "FNX6h3WF8UsnEb4dSDu4D2aRf",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:31:31.47Z",
"source": null,
"fee_type": "CARD_FIXED",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:31:30.78Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:31.68Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRdo2Br3gvYKTbiPWwaPvXzR",
"state": "SUCCEEDED"
}
]
}
}{
"type": "created",
"entity": "transfer",
"occurred_at": "2020-04-29T20:31:32.225",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 49,
"trace_id": "FNXv1zcDHfFZa3optZaY2e3Gr",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:31:30.98Z",
"source": null,
"fee_type": "CARD_BASIS_POINTS",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:31:30.78Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:31.27Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRnBcXRXLtQXYvTAa5agSV73",
"state": "SUCCEEDED"
}
]
}
}{
"type": "updated",
"entity": "authorization",
"occurred_at": "2020-04-29T20:31:32.406",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 1000,
"trace_id": "FNX7jwSr5QhQdR2E4PZkLxYTW",
"raw": null,
"created_at": "2020-04-29T20:31:03.39Z",
"source": "PIaZwAfmK2YBX9bUT44uvCLa",
"merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
"tags": {},
"3ds_redirect_url": null,
"void_state": "UNATTEMPTED",
"transfer": "TR6XwvJApMTzNQaPxBWWSxFU",
"expires_at": "2020-05-06T20:31:03.39Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:25.24Z",
"is_void": false,
"messages": [],
"currency": "USD",
"id": "AUuf31ZzUArRnv7R8MpU5PbZ",
"state": "SUCCEEDED",
"device": "DV4b5w1TNAkBu9RTgXU7C19b"
}
]
}
}{
"type": "created",
"entity": "transfer",
"occurred_at": "2020-04-29T20:31:32.289",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 30,
"trace_id": "FNX6h3WF8UsnEb4dSDu4D2aRf",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:31:31.47Z",
"source": null,
"fee_type": "CARD_FIXED",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:31:30.78Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:31:31.68Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRdo2Br3gvYKTbiPWwaPvXzR",
"state": "SUCCEEDED"
}
]
}
}[Card Present] Authorization with non EMV card
{
"type": "created",
"entity": "instrument",
"occurred_at": "2020-04-29T20:28:33.034",
"_embedded": {
"instruments": [
{
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:28:32.99Z",
"identity": "ID5ah4iYJqYjoVSwfxmjSjgC",
"fingerprint": "FPR5w2uCguRwhbtWmcJmirkhf",
"created_at": "2020-04-29T20:28:32.99Z",
"currency": "USD",
"id": "PI9JbewhasbLg4rZeMWd47C7",
"instrument_type": "PAYMENT_CARD_PRESENT",
"type": "PAYMENT_CARD_PRESENT",
"tags": {}
}
]
}
}{
"type": "created",
"entity": "identity",
"occurred_at": "2020-04-29T20:28:32.926",
"_embedded": {
"identitys": [
{
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:28:32.88Z",
"created_at": "2020-04-29T20:28:32.88Z",
"id": "ID5ah4iYJqYjoVSwfxmjSjgC",
"entity": {
"title": null,
"first_name": null,
"last_name": null,
"email": null,
"business_name": null,
"business_type": null,
"doing_business_as": null,
"phone": null,
"business_phone": null,
"personal_address": null,
"business_address": null,
"mcc": null,
"dob": null,
"max_transaction_amount": 0,
"amex_mid": null,
"discover_mid": null,
"url": null,
"annual_card_volume": 0,
"has_accepted_credit_cards_previously": false,
"incorporation_date": null,
"principal_percentage_ownership": null,
"short_business_name": null,
"ownership_type": null,
"tax_authority": null,
"tax_id_provided": false,
"business_tax_id_provided": false,
"default_statement_descriptor": null
},
"tags": {}
}
]
}
}{
"type": "created",
"entity": "authorization",
"occurred_at": "2020-04-29T20:28:48.413",
"_embedded": {
"authorizations": [
{
"idempotency_id": null,
"amount": 1000,
"trace_id": "FNXmMdKcPXFrhj9UdCCdDYmW9",
"raw": null,
"created_at": "2020-04-29T20:28:33.12Z",
"source": "PI9JbewhasbLg4rZeMWd47C7",
"merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
"tags": {},
"3ds_redirect_url": null,
"void_state": "UNATTEMPTED",
"transfer": null,
"expires_at": "2020-05-06T20:28:33.12Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:28:48.36Z",
"is_void": false,
"messages": [],
"currency": "USD",
"id": "AUqAgQJY4s7KVj7qnBU3QzAQ",
"state": "SUCCEEDED",
"device": "DV4b5w1TNAkBu9RTgXU7C19b"
}
]
}
}{
"type": "updated",
"entity": "transfer",
"occurred_at": "2020-04-29T20:29:01.668",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 1700,
"trace_id": "FNXmMdKcPXFrhj9UdCCdDYmW9",
"fee": 10,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:28:54.99Z",
"source": "PI9JbewhasbLg4rZeMWd47C7",
"merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
"type": "DEBIT",
"tags": {},
"statement_descriptor": "FIN*FINIX",
"ready_to_settle_at": "2020-04-29T20:29:00.79Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:29:00.78Z",
"subtype": "API",
"messages": [],
"currency": "USD",
"id": "TRsUwkcqkcnuVyNxmuSHz8A3",
"state": "SUCCEEDED",
"device": "DV4b5w1TNAkBu9RTgXU7C19b"
}
]
}
}{
"type": "updated",
"entity": "transfer",
"occurred_at": "2020-04-29T20:29:02.34",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 49,
"trace_id": "FNXVoHh44joSraqiUp3fas4e",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:29:01.99Z",
"source": null,
"fee_type": "CARD_BASIS_POINTS",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:29:01.76Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:29:02.26Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRtTWZyfvqS36Qu1HMUGG3Fa",
"state": "SUCCEEDED"
}
]
}
}{
"type": "updated",
"entity": "transfer",
"occurred_at": "2020-04-29T20:29:02.72",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 30,
"trace_id": "FNX3n7hy8iSd8BdgQyBhDoQK8",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:29:02.47Z",
"source": null,
"fee_type": "CARD_FIXED",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:29:01.76Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:29:02.67Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TR6DGS2ty6MpugkSh1z76ZVL",
"state": "SUCCEEDED"
}
]
}
}{
"type": "created",
"entity": "transfer",
"occurred_at": "2020-04-29T20:29:03.466",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 49,
"trace_id": "FNXVoHh44joSraqiUp3fas4e",
"fee": 0,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:29:01.99Z",
"source": null,
"fee_type": "CARD_BASIS_POINTS",
"merchant_identity": "IDrtja28FQWa3eraw7NBGTJA",
"type": "FEE",
"tags": {},
"statement_descriptor": null,
"ready_to_settle_at": "2020-04-29T20:29:01.76Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:29:02.26Z",
"subtype": "PLATFORM_FEE",
"messages": [],
"currency": "USD",
"id": "TRtTWZyfvqS36Qu1HMUGG3Fa",
"state": "SUCCEEDED"
}
]
}
}{
"type": "created",
"entity": "transfer",
"occurred_at": "2020-04-29T20:29:03.301",
"_embedded": {
"transfers": [
{
"idempotency_id": null,
"amount": 1700,
"trace_id": "FNXmMdKcPXFrhj9UdCCdDYmW9",
"fee": 10,
"destination": null,
"raw": null,
"created_at": "2020-04-29T20:28:54.99Z",
"source": "PI9JbewhasbLg4rZeMWd47C7",
"merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
"type": "DEBIT",
"tags": {},
"statement_descriptor": "FIN*FINIX",
"ready_to_settle_at": "2020-04-29T20:29:00.79Z",
"application": "APiDZzAY28F2uSz47L88EuPk",
"updated_at": "2020-04-29T20:29:00.78Z",
"subtype": "API",
"messages": [],
"currency": "USD",
"id": "TRsUwkcqkcnuVyNxmuSHz8A3",
"state": "SUCCEEDED",
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}[Card Present] Capture Authorization
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}Create an Identity for a Merchant
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}Update an Identity
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}Provision a Merchant
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}[Card Present] Provision Merchant
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}{
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}
}{
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]
}
}Update Info on Processor
{
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}
}{
"type": "underwritten",
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},
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}
]
}
}{
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}
]
}
}Create a Payment Card
{
"type": "created",
"entity": "instrument",
"occurred_at": "2020-04-26T21:22:57.287",
"_embedded": {
"instruments": [
{
"address": {
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"line2": null,
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},
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"created_at": "2020-04-26T21:22:57.21Z",
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"card_type": "UNKNOWN",
"type": "PAYMENT_CARD",
"tags": {
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},
"expiration_year": 2029,
"application": "APkBUdiWzBjUAkfnbkirXs6d",
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"name": "Ricardo Chang",
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}
]
}
}Create a Bank Account
{
"type": "created",
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"_embedded": {
"instruments": [
{
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"created_at": "2020-04-26T21:24:03.06Z",
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"tags": {
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},
"masked_account_number": "XXXXX3123",
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"name": "Alice",
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}
]
}
}Check for Card Updates (Account Updater)
{
"type": "created",
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]
}
}{
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}
]
}
}Payment Instrument Verification
{
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"_embedded": {
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{
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},
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}
]
}
}{
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},
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],
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}
},
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]
}
}Create Settlement
{
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]
}
}Fund Settlement
{
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}Settlement Awaiting Approval
{
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}
}Approved Settlement
{
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}Settlement's Funding Transfer
{
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}
}Debit a Bank Account (ie eCheck)
{
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}
}{
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}{
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]
}
}Refund a Debit
The event that gets sent has transfers.type as REVERSAL:
-
entity= transfer -
type= created -
transfers.type= REVERSAL
{
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]
}
}[Card Present] Sale with EMV Card
{
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"updated_at": "2020-04-29T20:32:40.46Z",
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}[Card Present] Referenced Refund
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}[Card Present] Unreferenced Refund with Swipe Card
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}Update a Transfer
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}Create a Dispute
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}Updated Dispute
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