# Webhook Events

A comprehensive list of the webhook events that Finix offers.

## List of Webhook Events

Finix offers the following webhook events that various business flows (such as onboarding a seller or making a sale) trigger.

| `entity`  | `type`  | Description |
|  --- | --- | --- |
| `application` | `created` | An `Application` was created. This is only sent to Core customers. |
| `application` | `updated` | An `Application` was updated. This is only sent to Core customers. |
| `application_profile` | `created` | An `Application Profile` was created. This is only sent to Core customers. |
| `application_profile` | `updated` | An `Application Profile` was updated. This is only sent to Core customers. |
| `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`. |
| `balance_transfer` | `created` | A `Balance Transfer` was created. This is only sent to Core customers. |
| `balance_transfer` | `updated` | A `Balance Transfer` was updated. This is only sent to Core customers. |
| `checkout_form` | `created` | A `Checkout Form` was created. |
| `checkout_form` | `updated` | A `Checkout Form` was updated. |
| `compliance_form` | `created` | A `Compliance Form` was created. You need to get your user to [complete the compliance form](/guides/managing-operations/security-compliance/managing-pci-compliance#completing-compliance-forms) |
| `compliance_form` | `updated` | A `Compliance Form` has been updated. Commonly sent when the [form has been completed.](/guides/managing-operations/security-compliance/managing-pci-compliance#completing-compliance-forms) |
| `dispute` | `created` | A `Dispute` was created. A [chargeback dispute](/guides/after-the-payment/disputes/managing-disputes) was started. |
| `dispute` | `updated` | A `Dispute` was updated. Usually this occurs when the [dispute's state has changed](/guides/after-the-payment/disputes/dispute-states). |
| `evidence` | `created` | An `evidence` file was uploaded. |
| `evidence` | `updated` | An `evidence` file was updated. Usually, the [state of the evidence has changed.](/guides/after-the-payment/disputes/) |
| `external_link` | `created` | An `external_link` was created. You need to have your user upload a file via the link. |
| `external_link` | `updated` | An `external_link` was updated. Usually sent when the `external_link` has expired. |
| `fee` | `created` | A `fee` was created. The `linked_to` field indicates the entity that generated it (e.g., `TRfnif8f9U1r6k2zys27U4yP`). |
| `fee` | `updated` | A `fee` was updated. |
| `fee_profile` | `created` | A `Fee Profile` was created. This happens as part of [creating a merchant.](/guides/platform-payments/onboarding-sellers/seller-onboarding-process/#initial-settings-and-profiles) |
| `fee_profile` | `updated` | A `Fee Profile` was updated. |
| `file` | `created` | A `File` was created. It still needs a document to be uploaded to Finix. |
| `file` | `updated` | A `File` was updated. Usually send when a document was uploaded. |
| `gateway_integration` | `created` | A `Gateway Integration` was created and has a `state` of `PENDING` until Cybersource approves the `Merchant` or the integration fails. |
| `gateway_integration` | `updated` | A `Gateway Integration` was updated. The `Gateway Integration` › `state` will change from `PENDING` to `SUCCEEDED` or `FAILED`. |
| `identity` | `created` | An `Identity` was created. Usually occurs during [onboarding](/guides/platform-payments/onboarding-sellers/seller-onboarding-process/#key-onboarding-steps) or when [processing a payment.](/guides/online-payments/online-payments-quickstart#step-1-create-a-buyer) |
| `identity` | `updated` | An `Identity` was updated. |
| `instrument` | `created` | A `Payment Instrument` was created. The `payment_instrument.type` tells you what type of payment instrument was created. |
| `instrument` | `updated` | A `Payment Instrument` was updated. |
| `instrument_history` | `created` | A stored payment card's details were updated. |
| `merchant` | `created` | A `Merchant` was created and is `PROVISIONING`. |
| `merchant` | `updated` | A `Merchant` was updated. Typically, this happens to `PROVISIONING` Merchants during the onboarding process. The Merchant's `onboarding_state` will let you know if the Merchant is `APPROVED`, `REJECTED`, or `UPDATE_REQUESTED`. |
| `merchant` | `underwritten` | A `Merchant` was underwritten and `APPROVED`, and is ready to start accepting payments. |
| `merchant_profile` | `created` | A `Merchant Profile` was created. This happens as part of [creating a merchant.](/guides/platform-payments/onboarding-sellers/seller-onboarding-process/#initial-settings-and-profiles) |
| `merchant_profile` | `updated` | A `Merchant Profile` was updated. This happens when the `tags` were updated. |
| `onboarding_form` | `created` | An `onboarding_form` was created. This lets you know a seller has begun [onboarding](/guides/platform-payments/onboarding-sellers). |
| `onboarding_form` | `updated` | An `onboarding_form` was updated. This lets you know the seller has completed the `onboarding_form`. |
| `payment_link` | `created` | A `Payment Link` was created. |
| `payment_link` | `updated` | A `Payment Link` was updated. |
| `payout_profile` | `created` | The [payout settings](/guides/platform-payments/seller-payouts/managing-seller-payouts) of a `Merchant` were changed or updated. |
| `subscription` | `created` | A `Subscription` was created. |
| `subscription` | `updated` | A `Subscription` was updated. This includes when the `state` changes, for example, from `ACTIVE` to `CANCELED`. |
| `risk_profile` | `created` | A `risk_profile` was created. Usually this happens when a [`merchant_profile` is created.](/guides/platform-payments/onboarding-sellers/seller-onboarding-process/#initial-settings-and-profiles) |
| `risk_profile` | `updated` | A `risk_profile` was updated. This happens when the `tags` were updated. |
| `settlement` | `accruing_started` | A `Settlement` has started accruing transactions. |
| `settlement` | `created` | A `Settlement` was closed. `settlements.total_amount` and `settlements.net_amount` tells you the total of the payout. |
| `settlement` | `updated` | A `Settlement` is awaiting approval. |
| `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. |
| `transfer_attempt` | `created` | A transfer attempt was created. |
| `transfer_attempt` | `updated` | A transfer attempt was updated. |
| `verification` | `created` | A verification was created. The `verification.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. |
| `funding_transfer_attempt` | `created` | A `Funding Transfer Attempt` was created. |
| `funding_transfer_attempt` | `updated` | A `Funding Transfer Attempt` was updated. |


## Sample Webhook Events

Every activity in Finix triggers several events. e.g. Capturing a `Transfer` can lead from anywhere between five to ten events getting delivered.

Below is a list of example events and the activities in Finix that triggered them. While you may receive several events, keep an eye out for an event that looks like any example below to confirm the related activity occurred or completed in Finix.

### Authorization Captured

The event that gets sent when an `Authorization` gets captured. The event has `authorizations.transfer` populated:

- `type: updated`
- `entity: authorization`
- `_embedded.authorizations[0].transfer: {{transfer_id}}`



```json Authorization Captured Webook
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "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"
            }
        ]
    }
}
```

### Authorization Captured (Card Present)

When you capture a Card Present Authorization, Finix sends 2 webhook events:

1. Transfer Created (`PENDING`)
2. Transfer Updated (`SUCCEEDED`)


#### Transfer Created

The event you receive when a Transfer is created and `PENDING`.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:31:32.348",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 1700,
                "trace_id": "FNX7jwSr5QhQdR2E4PZkLxYTW",
                "fee": 10,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:31:25.22Z",
                "source": "PIaZwAfmK2YBX9bUT44uvCLa",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:31:30.56Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:31:30.55Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TR6XwvJApMTzNQaPxBWWSxFU",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a Transfer gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:31:30.669",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 1700,
                "trace_id": "FNX7jwSr5QhQdR2E4PZkLxYTW",
                "fee": 10,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:31:25.22Z",
                "source": "PIaZwAfmK2YBX9bUT44uvCLa",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:31:30.56Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:31:30.55Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TR6XwvJApMTzNQaPxBWWSxFU",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Authorization Created

The event that gets sent when an `Authorization` is created.


```json Authorization Created Webook
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "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"
            }
        ]
    }
}
```

### Authorization Created (Card Present EMV Card)

When you create an Authorization with an EMV Card, Finix sends 6 webhook events:

1. Identity Created
2. Payment Instrument Created
3. Authorization Created
4. Authorization Captured
5. Transfer Created
6. Transfer Updated


#### Identity Created

The event you receive when an `Identity` gets created. The new `Identity` gets used to create the `Payment Instrument` for the EMV card.


```json Identity Created Webook
{
    "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
                },
                "identity_roles": [],
                "tags": {}
            }
        ]
    }
}
```

#### Payment Instrument Created

The event you receive when a `Payment Instrument` gets created for an EMV card.


```json Payment Instrument Created Webook
{
    "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": {}
            }
        ]
    }
}
```

#### Authorization Created

The event you receive when an `Authorization` gets created.


```json
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "merchant_identity": "IDd76bhnKyKTjzbqwd939WnV",
                "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"
            }
        ]
    }
}
```

#### Authorization Captured

The event you receive when an [`authorization` gets captured](/guides/online-payments/payment-features/auth-and-captures/).


```json
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "merchant_identity": "IDd76bhnKyKTjzbqwd939WnV",
                "tags": {},
                "3ds_redirect_url": null,
                "void_state": "UNATTEMPTED",
                "transfer": "TRdo2Br3gvYKTbiPWwaPvXzR",
                "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"
            }
        ]
    }
}
```

#### Transfer Created

The event you receive when a `Transfer` gets created for [a captured `Authorization`](/guides/online-payments/payment-features/auth-and-captures/).


```json
{
    "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": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDd76bhnKyKTjzbqwd939WnV",
                "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": "PENDING"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "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": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDd76bhnKyKTjzbqwd939WnV",
                "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"
            }
        ]
    }
}
```

### Authorization Created (Card Present Non-EMV Card)

When you create an Authorization with an non-EMV Card, Finix sends 6 webhook events:

1. Identity Created
2. Payment Instrument Created
3. Authorization Created
4. Authorization Captured
5. Transfer Created
6. Transfer Updated


#### Identity Created

The event you receive when an `Identity` gets created. The new `Identity` gets used to create the `Payment Instrument` for the non-EMV card.


```json
{
    "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
                },
                "identity_roles": [],
                "tags": {}
            }
        ]
    }
}
```

#### Payment Instrument Created

The event you receive when a `Payment Instrument` gets created for a non-EMV card.


```json
{
    "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": {}
            }
        ]
    }
}
```

#### Authorization Created

The event you receive when an `Authorization` gets created.


```json
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "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"
            }
        ]
    }
}
```

#### Authorization Captured

The event you receive when an [`authorization` gets captured](/guides/online-payments/payment-features/auth-and-captures/).


```json
{
    "type": "updated",
    "entity": "authorization",
    "occurred_at": "2020-04-29T20:29:03.524",
    "_embedded": {
        "authorizations": [
            {
                "idempotency_id": null,
                "amount": 1000,
                "trace_id": "FNXmMdKcPXFrhj9UdCCdDYmW9",
                "raw": null,
                "created_at": "2020-04-29T20:28:33.12Z",
                "source": "PI9JbewhasbLg4rZeMWd47C7",
                "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "tags": {},
                "3ds_redirect_url": null,
                "void_state": "UNATTEMPTED",
                "transfer": "TRsUwkcqkcnuVyNxmuSHz8A3",
                "expires_at": "2020-05-06T20:28:33.12Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:28:55.01Z",
                "is_void": false,
                "messages": [],
                "currency": "USD",
                "id": "AUqAgQJY4s7KVj7qnBU3QzAQ",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Created

The event you receive when a `Transfer` gets created for [a captured `Authorization`](/guides/online-payments/payment-features/auth-and-captures/).


```json
{
    "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": "MU7cXuKj2xx41hhZZi6bZ13A",
                "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": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "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": "MU7cXuKj2xx41hhZZi6bZ13A",
                "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"
            }
        ]
    }
}
```

### Authorization Voided

The event that gets sent when an [`authorization` is voided](/guides/after-the-payment/refunds).


```json Authorization Voided Webook
{
    "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": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "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"
            }
        ]
    }
}
```

### Balance Transfer Created

The event you receive when a [`balance_transfer` gets created](/api/balance-transfers).


```json
{
    "type": "created",
    "entity": "balance_transfer",
    "occurred_at": "2022-08-03T21:55:05.910359",
    "_embedded": {
        "balance_transfers": [
            {
                "amount": 4000,
                "processor_type": "LITLE_V1",
                "reference_id": "FNXn7iXXHxj5oE1z77yCAjXTa",
                "destination": "FOR_BENEFIT_OF_ACCOUNT",
                "created_at": "2022-08-03T21:48:30.81Z",
                "description": "Need to increase buffer given the high number of NSFs on merchant fee debits",
                "external_reference_id": "83989593962319302",
                "source": "OPERATING_ACCOUNT",
                "tags": {
                    "example": "documentation tag"
                },
                "updated_at": "2022-08-03T21:48:31.32Z",
                "currency": "USD",
                "id": "BT_sM2xrz69EKhvd6EsW3UjP",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

### Checkout Form Created

The event you receive when a Checkout Form is created.


```json
{
  "_embedded": {
    "checkout_forms": [
      {
        "additional_details": {
          "cart_return_url": "https://www.store.com/return",
          "collect_billing_address": false,
          "collect_email": true,
          "collect_name": true,
          "collect_phone": false,
          "collect_shipping_address": false,
          "expiration_in_minutes": 5,
          "expired_session_url": "https://store.com/expired",
          "receipt_requested_delivery_methods": [
            {
              "destinations": [
                "2348765431"
              ],
              "type": "SMS"
            }
          ],
          "send_receipt": false,
          "success_return_url": "https://www.store.com/success",
          "terms_of_service_url": "https://store.com/tos"
        },
        "allowed_payment_methods": [
          "PAYMENT_CARD"
        ],
        "amount_details": {
          "amount_breakdown": null,
          "amount_type": "FIXED",
          "currency": "USD",
          "max_amount": null,
          "min_amount": null,
          "total_amount": 100
        },
        "application_id": "APscsFoe6BF78faCJ53CCTe8",
        "attempt_level_two_level_three_payment": false,
        "branding": {
          "accent_color": "#FF0000",
          "brand_color": "#FF0000",
          "button_font_color": null,
          "icon": "https://imgur.com/icon",
          "logo": "https://imgur.com/logo",
          "logo_alternative_text": "logo alternative text checkout forms"
        },
        "buyer_details": null,
        "created_at": "2025-05-28T15:09:38.033578Z",
        "id": "checkout_form_coz95HeufHYjTAtYJbAdE",
        "items": [],
        "link_expires_at": "2025-05-28T15:14:37.989286Z",
        "link_url": "https://link.qa-payments-checkout.com/at7e0I",
        "merchant_id": "MU5tYxn1K1foFfmCqWYBRQZL",
        "nickname": "My first checkout form",
        "payment_frequency": "ONE_TIME",
        "split_transfers": [],
        "state": "ACTIVE",
        "tags": {},
        "updated_at": "2025-05-28T15:09:38.033578Z"
      }
    ]
  },
  "entity": "checkout_form",
  "id": "event_2oqqVoCWLuV9oVFxcVxwB1",
  "occurred_at": "2025-05-28T15:09:38.869384444",
  "system_generated_idempotency_id": "2oqqVoCWLuV9oVFxcVxwB1",
  "type": "created"
}
```

### Checkout Form Updated

The event you receive when a Checkout Form is updated.


```json
{
  "_embedded": {
    "checkout_forms": [
      {
        "additional_details": {
          "cart_return_url": "https://www.store.com/return",
          "collect_billing_address": false,
          "collect_email": true,
          "collect_name": true,
          "collect_phone": false,
          "collect_shipping_address": false,
          "expiration_in_minutes": 5,
          "expired_session_url": "https://store.com/expired",
          "receipt_requested_delivery_methods": [
            {
              "destinations": [
                "2348765431"
              ],
              "type": "SMS"
            }
          ],
          "send_receipt": false,
          "success_return_url": "https://www.store.com/success",
          "terms_of_service_url": "https://store.com/tos"
        },
        "allowed_payment_methods": [
          "PAYMENT_CARD", "BANK_ACCOUNT"
        ],
        "amount_details": {
          "amount_breakdown": null,
          "amount_type": "FIXED",
          "currency": "USD",
          "max_amount": null,
          "min_amount": null,
          "total_amount": 100
        },
        "application_id": "APscsFoe6BF78faCJ53CCTe8",
        "attempt_level_two_level_three_payment": false,
        "branding": {
          "accent_color": "#FF0000",
          "brand_color": "#FF0000",
          "button_font_color": null,
          "icon": "https://imgur.com/icon",
          "logo": "https://imgur.com/logo",
          "logo_alternative_text": "logo alternative text checkout forms"
        },
        "buyer_details": null,
        "created_at": "2025-05-28T15:09:38.033578Z",
        "id": "checkout_form_coz95HeufHYjTAtYJbAdE",
        "items": [],
        "link_expires_at": "2025-05-28T15:14:37.989286Z",
        "link_url": "https://link.qa-payments-checkout.com/at7e0I",
        "merchant_id": "MU5tYxn1K1foFfmCqWYBRQZL",
        "nickname": "My first checkout form",
        "payment_frequency": "ONE_TIME",
        "split_transfers": [],
        "state": "ACTIVE",
        "tags": {},
        "updated_at": "2025-05-29T15:09:38.033578Z"
      }
    ]
  },
  "entity": "checkout_form",
  "id": "event_2oqqVoCWLuV9oVFxcVxwB1",
  "occurred_at": "2025-05-28T15:09:38.869384444",
  "system_generated_idempotency_id": "2oqqVoCWLuV9oVFxcVxwB1",
  "type": "updated"
}
```

### Compliance Form Created

The event you receive when a `Compliance Form` gets created.


```json
{
  "type": "created",
  "entity": "compliance_form",
  "occurred_at": "2020-04-26T22:58:30.584",
  "_embedded": {
    "compliance_form": [
      {
        "id": "cf_bcu8rBtpCFJVuRpgCxt4HS",
        "type": "PCI_SAQ_A",
        "state": "INCOMPLETE",
        "created_at": "2021-08-15T18:26:56.15Z",
        "updated_at": "2021-08-15T18:26:56.15Z",
        "due_at": "2021-11-13T15:26:56.15Z",
        "linked_to": "MUas8jhZf3bWsqyp8neX3UwN",
        "linked_type": "MERCHANT",
        "pci_saq_a": {
          "name": null,
          "signed_at": null,
          "user_agent": null,
          "ip_address": null,
          "is_accepted": null,
          "title": null
        },
        "files": {
          "unsigned_file": "FILE_qf952xmeuiF179wdMiPXrW",
          "signed_file": null
        },
        "valid_from": "2022-03-18T18:26:56.15Z",
        "valid_until": "2023-03-18T18:26:56.15Z",
        "compliance_form_template": "cft_u56ZGx3Xb6U9gAqKfgNisd",
        "tags": {}
      }
    ]
  }
}
```

### Compliance Form Updated

The event you receive when a `Compliance Form` gets updated.

- This indicates an update to the file service.
- The most common use is when a file changes status to  `UPLOADED` or `INVALID`.
- It can also apply when a webhook is updated.



```json
{
  "type": "updated",
  "entity": "compliance_form",
  "occurred_at": "2020-04-26T22:58:30.584",
  "_embedded": {
    "compliance_form": [
      {
        "id": "cf_bcu8rBtpCFJVuRpgCxt4HS",
        "type": "PCI_SAQ_A",
        "state": "COMPLETED",
        "created_at": "2021-08-15T18:26:56.15Z",
        "updated_at": "2021-07-15T15:26:56.15Z",
        "due_at": "2021-11-13T15:26:56.15Z",
        "linked_to": "MUas8jhZf3bWsqyp8neX3UwN",
        "linked_type": "MERCHANT",
        "pci_saq_a": {
          "name": "John Booker",
          "signed_at": "2022-03-18T16:42:55Z",
          "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_6)",
          "ip_address": "42.1.1.113",
          "is_accepted": true,
          "title": "CTO"
        },
        "files": {
          "unsigned_file": "FILE_qf952xmeuiF179wdMiPXrW",
          "signed_file": "FILE_mmRiDs7YaSsqjP727gWD84"
        },
        "valid_from": "2022-03-18T18:26:56.15Z",
        "valid_until": "2023-03-18T18:26:56.15Z",
        "compliance_form_template": "cft_u56ZGx3Xb6U9gAqKfgNisd",
        "tags": {}
      }
    ]
  }
}
```

### Dispute Created

The event you receive when a `Dispute` gets created.


```json
{
    "type": "created",
    "entity": "dispute",
    "occurred_at": "2022-05-13T21:28:12.289991",
    "_embedded": {
        "disputes": [
            {
                "reason": "FRAUD",
                "amount": 888888,
                "created_at": "2022-05-13T21:28:11.04Z",
                "message": null,
                "tags": {
                    "order_number": "21DFASJSAKAS"
                },
                "occurred_at": "2022-05-13T21:27:53.49Z",
                "dispute_details": {
                    "arn": "123"
                },
                "transfer": "TRikkDuedytMAj6A1pdfFCTg",
                "application": "AP3AB2itAWrrrPVS6spvrGYp",
                "updated_at": "2022-05-13T21:28:10.49Z",
                "identity": "IDsArLxCm9QGbi2QfhaFrTED",
                "action": null,
                "id": "DIaFfc4tNXbRDDXXFE5qt6Rq",
                "state": "PENDING",
                "respond_by": "2022-05-20T21:28:11.04Z"
            }
        ]
    }
}
```

### Dispute Evidence Created

The event you receive when `evidence` gets created for a `Dispute`.


```json
{
    "type": "created",
    "entity": "evidence",
    "occurred_at": "2022-08-10T21:05:16.417563",
    "_embedded": {
        "evidences": [
            {
                "dispute": "DItff2xbqSx3vbSUoepqwF5R",
                "updated_at": "2022-08-10T21:05:11.99Z",
                "created_at": "2022-08-10T21:05:11.99Z",
                "id": "DFre6geC3iouMhzXjfGiwi5y",
                "state": "PENDING",
                "tags": {
                    "file-extension": ".png",
                    "content-type": "image/png",
                    "file-name": "evidence.png"
                }
            }
        ]
    }
}
```

### Dispute Evidence Uploaded

The event you receive when documents are successfully uploaded to a `evidence` for a `Dispute`.


```json
{
    "type": "updated",
    "entity": "evidence",
    "occurred_at": "2022-08-09T17:23:37.554229",
    "_embedded": {
        "evidences": [
            {
                "dispute": "DIs7yQRkHDdMYhurzYz72SFk",
                "updated_at": "2022-08-09T17:09:39.28Z",
                "created_at": "2022-08-09T17:09:39.28Z",
                "id": "DF45NRTbyfpuELmeTmvbpJwo",
                "state": "SUCCEEDED",
                "tags": {
                    "file-extension": ".png",
                    "content-type": "image/png",
                    "file-name": "finix_file.png"
                }
            }
        ]
    }
}
```

### Dispute Updated

The event you receive when a `Dispute` gets updated.


```json
{
    "type": "updated",
    "entity": "dispute",
    "occurred_at": "2022-05-13T21:31:43.249792",
    "_embedded": {
        "disputes": [
            {
                "reason": "FRAUD",
                "amount": 888888,
                "created_at": "2022-05-13T21:28:11.04Z",
                "message": null,
                "tags": {
                    "order_number": "21DFASJSAKAS"
                },
                "occurred_at": "2022-05-13T21:27:53.49Z",
                "dispute_details": {
                    "arn": "123"
                },
                "transfer": "TRikkDuedytMAj6A1pdfFCTg",
                "application": "AP3AB2itAWrrrPVS6spvrGYp",
                "updated_at": "2022-05-13T21:31:33.22Z",
                "identity": "IDsArLxCm9QGbi2QfhaFrTED",
                "action": null,
                "id": "DIaFfc4tNXbRDDXXFE5qt6Rq",
                "state": "WON",
                "respond_by": "2022-05-20T21:28:11.04Z"
            }
        ]
    }
}
```

### File Uploaded

The following events detail the changes that happen while uploading files. For more information, see [Uploading Files to Finix](/guides/platform-payments/onboarding-sellers/seller-onboarding-uploading-files/).

#### File Created

The event you receive sent when a `File` gets created.


```json
{
    "type": "created",
    "entity": "file",
    "occurred_at": "2022-05-23T17:46:42.19914",
    "_embedded": {
        "files": [
            {
                "updated_at": "2022-05-23T17:46:37.42Z",
                "platform_id": "PLm5E6FbtCZ5vjpCaKhq5PwN",
                "created_at": "2022-05-23T17:46:37.42Z",
                "id": "FILE_aiAQBbBz2wosPQjQoaGZHD",
                "linked_type": "MERCHANT",
                "display_name": "John's Drivers License",
                "type": "DRIVERS_LICENSE_FRONT",
                "linked_to": "MUucec6fHeaWo3VHYoSkUySM",
                "application_id": "APgPDQrLD52TYvqazjHJJchM",
                "status": "REQUIRES_UPLOAD",
                "tags": {
                    "key_1": "value_1"
                }
            }
        ]
    }
}
```

#### File Approved

The event you receive when a `File` is approved. When approved, the `status` of the `File` gets updated to `UPLOADED`.


```json
{
    "type": "updated",
    "entity": "file",
    "occurred_at": "2022-05-23T17:46:42.19914",
    "_embedded": {
        "files": [
            {
                "updated_at": "2022-05-23T17:46:37.42Z",
                "platform_id": "PLm5E6FbtCZ5vjpCaKhq5PwN",
                "created_at": "2022-05-23T17:46:37.42Z",
                "id": "FILE_aiAQBbBz2wosPQjQoaGZHD",
                "linked_type": "MERCHANT",
                "display_name": "John's Drivers License",
                "type": "DRIVERS_LICENSE_FRONT",
                "linked_to": "MUucec6fHeaWo3VHYoSkUySM",
                "application_id": "APgPDQrLD52TYvqazjHJJchM",
                "status": "UPLOADED",
                "tags": {
                    "key_1": "value_1"
                }
            }
        ]
    }
}
```

#### File Rejected

The event you receive when a `File` gets rejected. When rejected, the `status` of the `File` gets updated to `INVALID`.


```json
{
    "type": "updated",
    "entity": "file",
    "occurred_at": "2022-05-23T17:46:42.19914",
    "_embedded": {
        "files": [
            {
                "updated_at": "2022-05-23T17:46:37.42Z",
                "platform_id": "PLm5E6FbtCZ5vjpCaKhq5PwN",
                "created_at": "2022-05-23T17:46:37.42Z",
                "id": "FILE_KUCDz2GzXtfgVUPFq8CqL",
                "linked_type": "MERCHANT",
                "display_name": "John's Drivers License",
                "type": "DRIVERS_LICENSE_FRONT",
                "linked_to": "MU2n7BSovtwYsWYZF6rBnnzk",
                "application_id": "APgPDQrLD52TYvqazjHJJchM",
                "status": "INVALID",
                "tags": {
                    "key_1": "value_1"
                }
            }
        ]
    }
}
```

#### External Link Created

The event you receive when an `external_link` gets created.


```json
{
    "type": "created",
    "entity": "external_link",
    "occurred_at": "2022-05-23T18:21:44.726992",
    "_embedded": {
        "external_links": [
            {
                "expires_at": "2022-05-23T18:31:39.62Z",
                "expired": false,
                "user_id": "USsRhsHYZGBPnQw8CByJyEQW",
                "file_id": "FILE_aiAQBbBz2wosPQjQoaGZHD",
                "created_at": "2022-05-23T18:21:39.62Z",
                "id": "EL_6YjrZF3yCLB3zCLm24yAGm",
                "type": "UPLOAD",
                "url": "https://finix-file-quarantine-sb.s3.us-east-2.amazonaws.com/MERCHANT/MUucec6fHeaWo3VHYoSkUySM/DRIVERS_LICENSE_FRONT/FILE_aiAQBbBz2wosPQjQoaGZHD/file?X-Amz-Security-Token=...",
                "tags": {
                    "key": "value"
                }
            }
        ]
    }
}
```

#### External Link Updated

The event you receive when an `external_link` gets updated.


```json
{
    "type": "updated",
    "entity": "external_link",
    "occurred_at": "2022-05-23T18:21:44.726992",
    "_embedded": {
        "external_links": [
            {
                "expires_at": "2022-05-23T18:31:39.62Z",
                "expired": false,
                "user_id": "USsRhsHYZGBPnQw8CByJyEQW",
                "file_id": "FILE_aiAQBbBz2wosPQjQoaGZHD",
                "created_at": "2022-05-23T18:21:39.62Z",
                "id": "EL_6YjrZF3yCLB3zCLm24yAGm",
                "type": "UPLOAD",
                "url": "https://finix-file-quarantine-sb.s3.us-east-2.amazonaws.com/MERCHANT/MUucec6fHeaWo3VHYoSkUySM/DRIVERS_LICENSE_FRONT/FILE_aiAQBbBz2wosPQjQoaGZHD/file?X-Amz-Security-Token=...",
                "tags": {
                    "key": "value"
                }
            }
        ]
    }
}
```

### Gateway Integration Created

The event you receive when a `Gateway Integration` gets created. At this time, the only supported gateway is Cybersource. The `Gateway Integration` › `state` will be `PENDING` until Cybersource approves the `Merchant`, after which the `state` changes to `SUCCEEDED`. If there are issues with the onboarding request, the state changes to `FAILED`.


```json
{
  "type": "created",
  "entity": "gateway_integration",
  "occurred_at": "2020-04-29T20:31:32.348",
  "_embedded": {
    "gateway_integrations": [
      {
        "created_at": "2024-08-16T13:11:36.72Z",
        "updated_at": "2024-08-16T13:11:36.72Z",
        "application_id": "APgPDQrLD52TYvqazjHJJchM",
        "linked_to": "MUeg77opgdgQpwejzC9wCNmK",
        "linked_type": "MERCHANT",
        "email": "michael@finix.com",
        "state": "PENDING", // [!code highlight]
        "type": "CYBERSOURCE",
        "tags": {
          "gateway_name": "shopify"
        }
      }
    ]
  }
}
```

### Gateway Integration Updated

This event occurs when a `Gateway Integration` is updated. The `Gateway Integration` › `state` field shows whether the `Merchant` was successfully approved by Cybersource or if the integration failed (`SUCCEEDED` or `FAILED`).


```json
{
  "type": "updated",
  "entity": "gateway_integration",
  "occurred_at": "2020-04-29T20:31:32.348",
  "_embedded": {
    "gateway_integrations": [
      {
        "created_at": "2024-08-16T13:11:36.72Z",
        "updated_at": "2024-08-16T13:11:36.72Z",
        "application_id": "APgPDQrLD52TYvqazjHJJchM",
        "linked_to": "MUeg77opgdgQpwejzC9wCNmK",
        "linked_type": "MERCHANT",
        "email": "michael@finix.com",
        "state": "SUCCEEDED", // [!code highlight]
        "type": "CYBERSOURCE",
        "tags": {
          "gateway_name": "shopify"
        }
      }
    ]
  }
}
```

### Identity Created (Buyer)

The event you receive when an `Identity` gets created for a buyer.


```json
{
    "type": "created",
    "entity": "identity",
    "occurred_at": "2020-04-26T20:58:46.298",
    "_embedded": {
        "identitys": [
            {
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T20:58:46.25Z",
                "created_at": "2020-04-26T20:58:46.25Z",
                "id": "IDe5JkBhBeW3ZEvzqWc8kmXd",
                "entity": {
                    "title": null,
                    "first_name": "Joe",
                    "last_name": "Jon",
                    "email": "therock@gmail.com",
                    "business_name": null,
                    "business_type": null,
                    "doing_business_as": null,
                    "phone": "7145677613",
                    "business_phone": null,
                    "personal_address": {
                        "line1": "741 Douglass St",
                        "line2": "Apartment 7",
                        "city": "San Mateo",
                        "region": "CA",
                        "postal_code": "94114",
                        "country": "USA"
                    },
                    "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
                },
                "identity_roles": [],
                "tags": {
                    "key": "value"
                }
            }
        ]
    }
}
```

### Identity Created (Merchant)

The event you receive when an `Identity` gets created for a merchant.


```json
{
    "type": "created",
    "entity": "identity",
    "occurred_at": "2020-04-26T21:06:11.343",
    "_embedded": {
        "identitys": [
            {
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:06:11.27Z",
                "created_at": "2020-04-26T21:06:11.27Z",
                "id": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "entity": {
                    "title": "CEO",
                    "first_name": "John",
                    "last_name": "Smith",
                    "email": "user@example.org",
                    "business_name": "Lees Sandwiches",
                    "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
                    "doing_business_as": "Lees Sandwiches",
                    "phone": "1234567890",
                    "business_phone": "+1 (408) 756-4497",
                    "personal_address": {
                        "line1": "741 Douglass St",
                        "line2": "Apartment 7",
                        "city": "San Mateo",
                        "region": "CA",
                        "postal_code": "94114",
                        "country": "USA"
                    },
                    "business_address": {
                        "line1": "741 Douglass St",
                        "line2": "Apartment 8",
                        "city": "San Mateo",
                        "region": "CA",
                        "postal_code": "94114",
                        "country": "USA"
                    },
                    "mcc": "4900",
                    "dob": {
                        "day": 27,
                        "month": 6,
                        "year": 1978
                    },
                    "max_transaction_amount": 12000000,
                    "amex_mid": null,
                    "discover_mid": null,
                    "url": "www.LeesSandwiches.com",
                    "annual_card_volume": 12000000,
                    "has_accepted_credit_cards_previously": true,
                    "incorporation_date": {
                        "day": 27,
                        "month": 6,
                        "year": 1978
                    },
                    "principal_percentage_ownership": 50,
                    "short_business_name": null,
                    "ownership_type": "PRIVATE",
                    "tax_authority": null,
                    "tax_id_provided": true,
                    "business_tax_id_provided": true,
                    "default_statement_descriptor": "Lees Sandwiches"
                },
                "identity_roles": [],
                "tags": {
                    "Studio Rating": "4.7"
                }
            }
        ]
    }
}
```

### Identity Updated

The event you receive when an `Identity` gets updated.


```json
{
    "type": "updated",
    "entity": "identity",
    "occurred_at": "2020-04-26T21:20:41.439",
    "_embedded": {
        "identitys": [
            {
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:20:41.35Z",
                "created_at": "2020-04-26T21:06:11.27Z",
                "id": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "entity": {
                    "title": "CTO",
                    "first_name": "Bernard",
                    "last_name": "Sterling",
                    "email": "user@example.org",
                    "business_name": "Finix Flowers",
                    "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
                    "doing_business_as": "Finix Flowers",
                    "phone": "7144177878",
                    "business_phone": "+1 (408) 756-4497",
                    "personal_address": {
                        "line1": "712 Douglass St",
                        "line2": "Apartment 2",
                        "city": "San Diego",
                        "region": "CA",
                        "postal_code": "94194",
                        "country": "USA"
                    },
                    "business_address": {
                        "line1": "741 Douglass St",
                        "line2": "Apartment 8",
                        "city": "San Mateo",
                        "region": "CA",
                        "postal_code": "94114",
                        "country": "USA"
                    },
                    "mcc": "4900",
                    "dob": {
                        "day": 2,
                        "month": 5,
                        "year": 1988
                    },
                    "max_transaction_amount": 1200000,
                    "amex_mid": null,
                    "discover_mid": null,
                    "url": "www.Finix.com",
                    "annual_card_volume": 12000000,
                    "has_accepted_credit_cards_previously": true,
                    "incorporation_date": {
                        "day": 27,
                        "month": 6,
                        "year": 1978
                    },
                    "principal_percentage_ownership": 50,
                    "short_business_name": null,
                    "ownership_type": "PRIVATE",
                    "tax_authority": null,
                    "tax_id_provided": true,
                    "business_tax_id_provided": true,
                    "default_statement_descriptor": "Finix Flowers"
                },
                "identity_roles": [],
                "tags": {
                    "key": "value_2"
                }
            }
        ]
    }
}
```

### Instrument History Entry Created

The event you receive when a stored payment card's details are updated, creating an `Instrument History Entry` in a specific `Payment Instrument`'s history.


```json
{
  "type": "created",
  "entity": "instrument_history",
  "occurred_at": "2020-04-26T22:58 :30.584",

  "_embedded": {
    "instrument_histories": [
      {
        "id": "instrument_history_xxxxx",
        "created_at": "2022-10-11T01:42:22.32Z",
        "type": "NUMBER_AND_EXPIRATION_UPDATED",
        "application_id": "APgPDQrLD52TYvqazjHJJchM",
        "payment_instrument_id": "PIxxx",
        "payment_instrument_type": "PAYMENT_CARD",
        "old_instrument_details": {
          "bin": "411111",
          "brand": "VISA",
          "expiration_month": "11",
          "expiration_year": "2029",
          "last_four": "4111",
          "fingerprint": "FPRonNPcX7ifi8SXBgcZs7a52"
        },
        "new_instrument_details": {
          "bin": "411111",
          "brand": "VISA",
          "expiration_month": "10",
          "expiration_year": "2030",
          "last_four": "4112",
          "fingerprint": "FPRnpe4F5RfPbyKaATT5Udjif"
        }
      }
    ]
  }
}
```

### Merchant Provisioned

When your Merchant is provisioned, Finix sends 6 webhook events:

1. Merchant Created
2. Merchant Profile Created
3. Verification Created
4. Merchant Underwritten
5. Verification Approved
6. Merchant Approved


#### Merchant Created

The event you receive when you create a `Merchant`.


```json
{
    "type": "created",
    "entity": "merchant",
    "occurred_at": "2020-04-26T21:54:59.958",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": false,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T21:54:59.43Z",
                "processing_enabled": false,
                "mcc": "4900",
                "processor": "DUMMY_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {
                    "key_2": "value_2"
                },
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:54:59.43Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {},
                "id": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "onboarding_state": "PROVISIONING",
                "verification": null,
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

#### Merchant Profile Created

The event you receive when the `Merchant Profile` gets automatically created for your new `Merchant`.


```json
{
    "type": "created",
    "entity": "merchant_profile",
    "occurred_at": "2020-04-26T21:54:59.692",
    "_embedded": {
        "merchant_profiles": [
            {
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:54:59.42Z",
                "fee_profile": null,
                "risk_profile": "RPjhkhnYKWWMHwwuX1JuxinW",
                "created_at": "2020-04-26T21:54:59.42Z",
                "id": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {}
            }
        ]
    }
}
```

#### Verification Created

The event you receive when you create the `Verification` to underwrite the new `Merchant`.


```json
{
    "type": "created",
    "entity": "verification",
    "occurred_at": "2020-04-26T21:54:59.83",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "2456e6d0-f2b1-4626-8936-28728e7c2a0d",
                "payment_instrument": null,
                "raw": null,
                "created_at": "2020-04-26T21:54:59.46Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {
                    "key_2": "value_2"
                },
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:54:59.50Z",
                "identity": null,
                "messages": [],
                "id": "VImsN9J9VU9y9uGNyaE3TjC5",
                "state": "PENDING"
            }
        ]
    }
}
```

#### Merchant Underwritten

The event you receive when the `Merchant` gets submitted for underwriting.


```json
{
    "type": "underwritten",
    "entity": "merchant",
    "occurred_at": "2020-04-26T21:55:06.626",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": false,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T21:54:59.43Z",
                "processing_enabled": false,
                "mcc": "4900",
                "processor": "DUMMY_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {
                    "key_2": "value_2"
                },
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:55:01.90Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {
                    "api_key": "secretValue"
                },
                "id": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "onboarding_state": "APPROVED",
                "verification": "VImsN9J9VU9y9uGNyaE3TjC5",
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

#### Verification Approved

The event you receive when the `Verification` request to underwrite the `Merchant` get approved. If approved, `state` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "verification",
    "occurred_at": "2020-04-26T21:55:07.337",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "2456e6d0-f2b1-4626-8936-28728e7c2a0d",
                "payment_instrument": null,
                "raw": "RawDummyMerchantUnderwriteResult",
                "created_at": "2020-04-26T21:54:59.46Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {
                    "key_2": "value_2"
                },
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:55:06.72Z",
                "identity": null,
                "messages": [],
                "id": "VImsN9J9VU9y9uGNyaE3TjC5",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

#### Merchant Approved

The event you receive when the `Merchant` gets approved and enabled to process payments. When the `Merchant` gets approved, `processing_enabled` gets updated to `true`.


```json
{
    "type": "updated",
    "entity": "merchant",
    "occurred_at": "2020-04-26T21:55:07.46",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": true,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T21:54:59.43Z",
                "processing_enabled": true,
                "mcc": "4900",
                "processor": "DUMMY_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {
                    "key_2": "value_2"
                },
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:55:06.72Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {
                    "api_key": "secretValue"
                },
                "id": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "onboarding_state": "APPROVED",
                "verification": "VImsN9J9VU9y9uGNyaE3TjC5",
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

### Merchant Provisioned (Card Present)

The events that get sent when a `Merchant` is provisioned to process card present transactions.

#### Merchant Created

The event you receive when you create a `Merchant`.


```json
{
    "type": "created",
    "entity": "merchant",
    "occurred_at": "2020-04-26T22:30:41.801",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": false,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T22:30:41.50Z",
                "processing_enabled": false,
                "mcc": "4900",
                "processor": "VANTIV_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPix8GV6WTWv8hWVxvWV2unm",
                "tags": {},
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:30:41.50Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {},
                "id": "MUeLemkwC6WSaaZLUUB1Y7mr",
                "onboarding_state": "PROVISIONING",
                "verification": null,
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

#### Merchant Profile Created

The event you receive when the `Merchant Profile` gets automatically created for your new `Merchant`.


```json
{
    "type": "created",
    "entity": "merchant_profile",
    "occurred_at": "2020-04-26T22:30:41.731",
    "_embedded": {
        "merchant_profiles": [
            {
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:30:41.49Z",
                "fee_profile": null,
                "risk_profile": "RPjhkhnYKWWMHwwuX1JuxinW",
                "created_at": "2020-04-26T22:30:41.49Z",
                "id": "MPix8GV6WTWv8hWVxvWV2unm",
                "tags": {}
            }
        ]
    }
}
```

#### Initial Verification Created

The event you receive when you create the `Verification` to underwrite the new `Merchant`.


```json
{
    "type": "created",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:30:41.636",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "FNX4YG8ut4zJQekpQGZbtZL2a",
                "payment_instrument": null,
                "raw": null,
                "created_at": "2020-04-26T22:30:41.50Z",
                "merchant": "MUeLemkwC6WSaaZLUUB1Y7mr",
                "processor": "VANTIV_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:30:41.52Z",
                "identity": null,
                "messages": [],
                "id": "VIpdSnQwTNeWgMHXvFDCPVsx",
                "state": "PENDING"
            }
        ]
    }
}
```

#### Initial Verification Failed

The event you receive when the `Verification` request to underwrite the `Merchant` get denied. If denied, `state` gets updated to `FAILED`.


```json
{
    "type": "updated",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:31:15.486",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "FNX4YG8ut4zJQekpQGZbtZL2a",
                "payment_instrument": null,
                "raw": "MerchantResponse(correlationId=null, httpStatusCode=500, httpStatusMessage=Original response had no body, id=null, mid=null, acceptedCards=null, expressSubAccount=null, errors=[Error(errorCode=null, errorMessage=Original response had no body. Please check Vantiv credentials or health status of Vantiv service, target=null)])",
                "created_at": "2020-04-26T22:30:41.50Z",
                "merchant": "MUeLemkwC6WSaaZLUUB1Y7mr",
                "processor": "VANTIV_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:31:15.23Z",
                "identity": null,
                "messages": [
                    "Error(errorCode=null, errorMessage=Original response had no body. Please check Vantiv credentials or health status of Vantiv service, target=null)"
                ],
                "id": "VIpdSnQwTNeWgMHXvFDCPVsx",
                "state": "FAILED"
            }
        ]
    }
}
```

#### Merchant Rejected

The event you receive when the request to underwrite the `Merchant` get denied. If denied, `onboarding_state` gets updated to `REJECTED`.


```json
{
    "type": "updated",
    "entity": "merchant",
    "occurred_at": "2020-04-26T22:31:15.59",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": false,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T22:30:41.50Z",
                "processing_enabled": false,
                "mcc": "4900",
                "processor": "VANTIV_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPix8GV6WTWv8hWVxvWV2unm",
                "tags": {},
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:31:15.23Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {},
                "id": "MUeLemkwC6WSaaZLUUB1Y7mr",
                "onboarding_state": "REJECTED",
                "verification": "VIpdSnQwTNeWgMHXvFDCPVsx",
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

#### Second Verification Created

The event you receive when you create the second `Verification` to try underwriting the new `Merchant` again.


```json
{
    "type": "created",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:33:10.198",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "85f2b5a5-0c58-4382-bf94-349b738db6c3",
                "payment_instrument": null,
                "raw": null,
                "created_at": "2020-04-26T22:33:10.12Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:33:10.14Z",
                "identity": null,
                "messages": [],
                "id": "VIwq2UdpXyUoDGW3e4uwY2dB",
                "state": "PENDING"
            }
        ]
    }
}
```

#### Second Attempt to Underwrite Merchant

The event you receive when the `Merchant` gets submitted again for underwriting.


```json
{
    "type": "underwritten",
    "entity": "merchant",
    "occurred_at": "2020-04-26T22:34:06.036",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": true,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T21:54:59.43Z",
                "processing_enabled": true,
                "mcc": "4900",
                "processor": "DUMMY_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {
                    "key_2": "value_2"
                },
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:55:06.72Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {
                    "api_key": "secretValue"
                },
                "id": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "onboarding_state": "APPROVED",
                "verification": "VIwq2UdpXyUoDGW3e4uwY2dB",
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

#### Verification Approved

The event you receive when the second `Verification` request to underwrite the `Merchant` get approved. If approved, `state` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:34:06.323",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "85f2b5a5-0c58-4382-bf94-349b738db6c3",
                "payment_instrument": null,
                "raw": "RawDummyMerchantUnderwriteResult",
                "created_at": "2020-04-26T22:33:10.12Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:34:06.15Z",
                "identity": null,
                "messages": [],
                "id": "VIwq2UdpXyUoDGW3e4uwY2dB",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

### Merchant Provisioning (Reattempted)

The events that get sent when another attempt is made to provision (underwrite) the `Merchant`.

#### `Verification` Created

The event you receive when you create the `Verification` to underwrite (or provision) the new `Merchant`.


```json
{
    "type": "created",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:10:44.523",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "f7375d38-9ed0-4d86-b62d-a8f692f635cb",
                "payment_instrument": null,
                "raw": null,
                "created_at": "2020-04-26T22:10:44.42Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:10:44.45Z",
                "identity": null,
                "messages": [],
                "id": "VIb691JRnMdz4M73yi6jAmCN",
                "state": "PENDING"
            }
        ]
    }
}
```

#### `Verification` Approved

The event you receive when the `Verification` request to underwrite the `Merchant` get approved. If approved, `state` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "verification",
    "occurred_at": "2020-04-26T22:11:05.955",
    "_embedded": {
        "verifications": [
            {
                "trace_id": "f7375d38-9ed0-4d86-b62d-a8f692f635cb",
                "payment_instrument": null,
                "raw": "RawDummyMerchantUnderwriteResult",
                "created_at": "2020-04-26T22:10:44.42Z",
                "merchant": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "processor": "DUMMY_V1",
                "tags": {},
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T22:11:05.76Z",
                "identity": null,
                "messages": [],
                "id": "VIb691JRnMdz4M73yi6jAmCN",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

#### `Merchant` Underwritten

The event you receive when the `Merchant` gets submitted for underwriting.


```json
{
    "type": "underwritten",
    "entity": "merchant",
    "occurred_at": "2020-04-26T22:11:05.686",
    "_embedded": {
        "merchants": [
            {
                "card_expiration_date_required": false,
                "settlement_enabled": true,
                "mid": null,
                "merchant_name": "Finix Flowers",
                "created_at": "2020-04-26T21:54:59.43Z",
                "processing_enabled": true,
                "mcc": "4900",
                "processor": "DUMMY_V1",
                "creating_transfer_from_report_enabled": false,
                "merchant_profile": "MPcQELZpgPU7dq1ZsCjnZQDS",
                "tags": {
                    "key_2": "value_2"
                },
                "card_cvv_required": false,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:55:06.72Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "processor_details": {
                    "api_key": "secretValue"
                },
                "id": "MUrFRV3YDxDGJBA9G8dmuKCk",
                "onboarding_state": "APPROVED",
                "verification": "VIb691JRnMdz4M73yi6jAmCN",
                "gross_settlement_enabled": false
            }
        ]
    }
}
```

### Onboarding Form Created

The event you receive when an [`onboarding_form` gets created](/guides/platform-payments/onboarding-sellers/seller-onboarding-forms/).


```json
{
    "id": "event_3M7pFpzorXGdtSDaBubCkt",
    "type": "created",
    "entity": "onboarding_form",
    "occurred_at": "2022-12-12T21:37:44.385255",
    "_embedded": {
        "onboarding_forms": [
            {
                "merchant_processors": [
                    {
                        "processor": "DUMMY_V1"
                    }
                ],
                "onboarding_link": {
                    "expires_at": "2022-12-12T22:07:43.48Z",
                    "link_url": "https://sandbox.payments-dashboard.com/merchant-onboarding?formId=obf_7EMbv4C2bCvzFkVFwDWnEo&applicationId=APgPDQrLD52TYvqazjHJJchM&bearerToken=..."
                },
                "onboarding_data": {
                    "entity": {},
                    "associated_entities": [],
                    "payment_instruments": {},
                    "additional_underwriting_data": {},
                    "max_transaction_amount": 100000
                },
                "updated_at": "2022-12-12T21:37:43.466129Z",
                "identity_id": null,
                "onboarding_link_details": {
                    "return_url": "https://www.finix.com/docs",
                    "expired_session_url": "https://www.finix.com/",
                    "fee_details_url": "https://www.finix.com/docs",
                    "terms_of_service_url": "https://www.finix.com/terms-and-policies",
                    "expiration_in_minutes": 10080
                },
                "created_at": "2022-12-12T21:37:43.466129Z",
                "id": "obf_7EMbv4C2bCvzFkVFwDWnEo",
                "application_id": "APgPDQrLD52TYvqazjHJJchM",
                "status": "IN_PROGRESS",
                "tags": {}
            }
        ]
    }
}
```

### Onboarding Form Updated

The event you receive when an [`onboarding_form` gets updated or submitted](/guides/platform-payments/onboarding-sellers/seller-onboarding-forms/).


```json
{
    "type": "updated",
    "entity": "onboarding_form",
    "occurred_at": "2022-12-12T21:37:44.385255",
    "_embedded": {
        "onboarding_forms": [
            {
                "id": "obf_7EMbv4C2bCvzFkVFwDWnEo",
                "onboarding_data": {
                    "entity": {
                        "title": "CEO",
                        "first_name": "John",
                        "last_name": "Smith",
                        "email": "john@example.com",
                        "business_name": "Finix Flowers",
                        "business_type": "INDIVIDUAL_SOLE_PROPRIETORSHIP",
                        "doing_business_as": "Finix Flowers",
                        "phone": "5558675309",
                        "business_phone": "5558675309",
                        "mcc": "4900",
                        "url": "example.com",
                        "ownership_type": "PRIVATE",
                        "default_statement_descriptor": "FNX",
                        "max_transaction_amount": 100000,
                        "annual_card_volume": "10000000",
                        "principal_percentage_ownership": "100",
                        "tax_id": "*****6789",
                        "business_tax_id": "*****6890",
                        "personal_address": {
                            "line1": "631 Howard St.",
                            "city": "San Francisco",
                            "region": "CA",
                            "postal_code": "94105",
                            "country": "USA"
                        },
                        "business_address": {
                            "line1": "631 Howard St.",
                            "city": "San Francisco",
                            "region": "CA",
                            "postal_code": "94105",
                            "country": "USA"
                        },
                        "dob": {
                            "day": 1,
                            "month": 1,
                            "year": 1981
                        },
                        "incorporation_date": {
                            "day": 1,
                            "month": 1,
                            "year": 2007
                        }
                    },
                    "payment_instruments": {
                        "name": "John Smith",
                        "bank_code": "123456789",
                        "account_number": "*****6789",
                        "account_type": "CHECKING",
                        "type": "BANK_ACCOUNT"
                    },
                    "additional_underwriting_data": {
                        "refund_policy": "NO_REFUNDS",
                        "average_ach_transfer_amount": 0,
                        "average_card_transfer_amount": 10000,
                        "merchant_agreement_ip_address": "4.14.107.114",
                        "merchant_agreement_accepted": true,
                        "merchant_agreement_timestamp": "2022-11-16T00:53:45.228537Z",
                        "merchant_agreement_user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/107.0.0.0 Safari/537.36",
                        "annual_ach_volume": 0,
                        "business_description": "Flowers",
                        "volume_distribution_by_business_type": {
                            "other_volume_percentage": 0,
                            "business_to_business_volume_percentage": 100,
                            "business_to_consumer_volume_percentage": 0
                        },
                        "card_volume_distribution": {
                            "ecommerce_percentage": 100,
                            "card_present_percentage": 0,
                            "mail_order_telephone_order_percentage": 0
                        }
                    },
                    "max_transaction_amount": 100000
                },
                "merchant_processors": [
                    {
                        "processor": "DUMMY_V1"
                    }
                ],
                "onboarding_link_details": {
                    "return_url": "https://www.example.com/finix-handlers/onboarding-return",
                    "expired_session_url": "https://www.example.com/finix-handlers/onboarding-expires",
                    "fee_details_url": "https://www.finix.com/docs",
                    "terms_of_service_url": "https://www.finix.com/terms-and-policies",
                    "expiration_in_minutes": 10080
                },
                "status": "COMPLETED",
                "identity_id": "ID8XfQPGnxM2oviYgdzjMWsn",
                "application_id": "APgPDQrLD52TYvqazjHJJchM",
                "created_at": "2022-11-16T00:50:23.787426Z",
                "updated_at": "2022-11-16T00:53:46.124008Z",
                "tags": {
                    "seller": "Finix Flowers"
                }
            }
        ]
    }
}
```

### Payment Instrument Created (Bank Account)

The event you receive when a `Payment Instrument` is created using the information of a bank account.


```json
{
    "type": "created",
    "entity": "instrument",
    "occurred_at": "2020-04-26T21:24:03.139",
    "_embedded": {
        "instruments": [
            {
                "bank_code": "123123123",
                "country": "USA",
                "account_type": "SAVINGS",
                "created_at": "2020-04-26T21:24:03.06Z",
                "instrument_type": "BANK_ACCOUNT",
                "type": "BANK_ACCOUNT",
                "tags": {
                    "Bank Account": "Company Account"
                },
                "masked_account_number": "XXXXX3123",
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:24:03.06Z",
                "identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "fingerprint": "FPRd5moHxL3Ltuvk4cczxetCg",
                "name": "John",
                "currency": "USD",
                "id": "PInwJvRi22wrz4j5Mx3ghBE9"
            }
        ]
    }
}
```

### Payment Instrument Created (Card)

The event you receive when a `Payment Instrument` is created from a credit or debit card.


```json
{
    "type": "created",
    "entity": "instrument",
    "occurred_at": "2020-04-26T21:22:57.287",
    "_embedded": {
        "instruments": [
            {
                "address": {
                    "line1": "900 Metro Center Blv",
                    "line2": null,
                    "city": "San Francisco",
                    "region": "CA",
                    "postal_code": "94404",
                    "country": "USA"
                },
                "address_verification": "UNKNOWN",
                "bin": "489514",
                "security_code_verification": "UNKNOWN",
                "created_at": "2020-04-26T21:22:57.21Z",
                "instrument_type": "PAYMENT_CARD",
                "card_type": "UNKNOWN",
                "type": "PAYMENT_CARD",
                "tags": {
                    "card_name": "Business Card"
                },
                "expiration_year": 2029,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T21:22:57.21Z",
                "last_four": "0006",
                "identity": "IDe5JkBhBeW3ZEvzqWc8kmXd",
                "fingerprint": "FPRogKWsRQks2HGaau5eGR9AF",
                "expiration_month": 3,
                "name": "John Smith",
                "currency": "USD",
                "id": "PIoBQHZFB3p8UM8HasuN6icB",
                "brand": "VISA"
            }
        ]
    }
}
```

### Payment Instrument Updated

The events that get sent when [`Payment Instruments` gets manually updated with a PUT request](/api/payment-instruments/updatepaymentinstrument).


```json
{
    "id": "event_7849EPiVUN9dknfmPoctE6",
    "system_generated_idempotency_id": "7849EPiVUN9dknfmPoctE6",
    "type": "updated",
    "entity": "instrument",
    "occurred_at": "2023-03-03T17:31:01.465843",
    "_embedded": {
        "instruments": [
            {
                "bin": "558958",
                "created_at": "2023-03-03T17:30:59.89Z",
                "instrument_type": "PAYMENT_CARD",
                "type": "PAYMENT_CARD",
                "enabled": true,
                "issuer_country": "USA",
                "updated_at": "2023-03-03T17:30:59.89Z",
                "last_four": "0770",
                "identity": "ID4NxfCXYDu8NiueXHm8JUCb",
                "fingerprint": "FPRoD2LpBkgJDaUBAAmtdQPAn",
                "expiration_month": 9,
                "currency": "USD",
                "id": "PIicBscsDiBfs6QW2C5gQvGa",
                "brand": "VISA",
                "disabled_code": null,
                "address": {
                    "line1": "631 Howard St",
                    "line2": null,
                    "city": "San Francisco",
                    "region": "CA",
                    "postal_code": "94105",
                    "country": null
                },
                "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
                "created_via": "API",
                "security_code_verification": "MATCHED",
                "disabled_message": null,
                "card_type": "CREDIT",
                "tags": {},
                "expiration_year": 2027,
                "application": "APot9H635fZLZuRNZDS6bbsU",
                "name": "John Smith"
            }
        ]
    }
}
```

### Payment Link Created

The event you receive when a Payment Link is created.


```json
{
  "_embedded": {
    "payment_links": [
      {
        "additional_details": {
          "collect_billing_address": false,
          "collect_email": true,
          "collect_name": true,
          "collect_phone": false,
          "collect_shipping_address": false,
          "expiration_in_minutes": 10080,
          "expired_session_url": "https://cannon.com/error.html",
          "receipt_requested_delivery_methods": [
            {
              "destinations": [
                "2348765431"
              ],
              "type": "SMS"
            }
          ],
          "send_receipt": false,
          "success_return_url": "https://www.cannon.com/success/123rw21w.html",
          "terms_of_service_url": "https://cannon.com/terms_of_service.html",
          "unsuccessful_return_url": "https://www.cannon.com/success/123rw21w.html"
        },
        "allowed_payment_methods": [
          "BANK_ACCOUNT",
          "PAYMENT_CARD",
          "APPLE_PAY",
          "GOOGLE_PAY"
        ],
        "amount_details": {
          "amount_breakdown": {
            "additional_buyer_charges": null,
            "customs_duty_amount": null,
            "discount_amount": 1000,
            "estimated_tax_amount": 429,
            "shipping_amount": 995,
            "subtotal_amount": 3994,
            "tax_exempt": false,
            "tip_amount": 1000
          },
          "amount_type": "FIXED",
          "currency": "USD",
          "max_amount": null,
          "min_amount": null,
          "total_amount": 5418
        },
        "application_id": "APscsFoe6BF78faCJ53CCTe8",
        "attempt_l2_l3_payment": false,
        "branding": {
          "accent_color": "my_accent_color",
          "brand_color": "my_brand_color",
          "button_font_color": null,
          "icon": "my_icon_url",
          "logo": "my_logo_url",
          "logo_alternative_text": "logo alternative text payment links"
        },
        "buyer_details": null,
        "created_at": "2025-05-28T15:10:07.809171Z",
        "id": "payment_link_coz97Uxc1o9JV3Yr9rQfd",
        "is_multiple_use": true,
        "items": [
          {
            "description": "this is cool sunglasses",
            "image_details": {
              "alternative_image_urls": [
                "https://google.com/image1",
                "https://google.com/image2"
              ],
              "primary_image_url": "https://google.com/image"
            },
            "item_details": null,
            "name": null,
            "price_details": {
              "amount_excluding_sales_tax": null,
              "currency": "USD",
              "item_discount_amount": null,
              "price_type": "PROMOTIONAL",
              "regular_amount": 5000,
              "sale_amount": 4000
            },
            "quantity": 1
          }
        ],
        "link_expires_at": "2025-06-04T15:10:07.769552Z",
        "link_url": "https://link.qa-payments-checkout.com/zW6Xpq",
        "merchant_id": "MU5tYxn1K1foFfmCqWYBRQZL",
        "nickname": "string",
        "payment_frequency": "ONE_TIME",
        "state": "ACTIVE",
        "tags": {},
        "updated_at": "2025-05-28T15:10:07.809171Z"
      }
    ]
  },
  "entity": "payment_link",
  "id": "event_qDjqAX2xUQC8zmoLeVSwcv",
  "occurred_at": "2025-05-28T15:10:08.173467826",
  "system_generated_idempotency_id": "qDjqAX2xUQC8zmoLeVSwcv",
  "type": "created"
}
```

### Payment Link Updated

The event you receive when a Payment Link is updated.


```json
{
  "_embedded": {
    "payment_links": [
      {
        "additional_details": {
          "collect_billing_address": false,
          "collect_email": true,
          "collect_name": true,
          "collect_phone": false,
          "collect_shipping_address": false,
          "expiration_in_minutes": 10080,
          "expired_session_url": "https://cannon.com/error.html",
          "receipt_requested_delivery_methods": [
            {
              "destinations": [
                "2348765431"
              ],
              "type": "SMS"
            }
          ],
          "send_receipt": false,
          "success_return_url": "https://www.cannon.com/success/123rw21w.html",
          "terms_of_service_url": "https://cannon.com/terms_of_service.html",
          "unsuccessful_return_url": "https://www.cannon.com/success/123rw21w.html"
        },
        "allowed_payment_methods": [
          "BANK_ACCOUNT",
          "APPLE_PAY",
          "GOOGLE_PAY"
        ],
        "amount_details": {
          "amount_breakdown": {
            "additional_buyer_charges": null,
            "customs_duty_amount": null,
            "discount_amount": 1000,
            "estimated_tax_amount": 429,
            "shipping_amount": 995,
            "subtotal_amount": 3994,
            "tax_exempt": false,
            "tip_amount": 1000
          },
          "amount_type": "FIXED",
          "currency": "USD",
          "max_amount": null,
          "min_amount": null,
          "total_amount": 5418
        },
        "application_id": "APscsFoe6BF78faCJ53CCTe8",
        "attempt_l2_l3_payment": false,
        "branding": {
          "accent_color": "my_accent_color",
          "brand_color": "my_brand_color",
          "button_font_color": null,
          "icon": "my_icon_url",
          "logo": "my_logo_url",
          "logo_alternative_text": "logo alternative text payment links"
        },
        "buyer_details": null,
        "created_at": "2025-05-28T15:10:07.809171Z",
        "id": "payment_link_coz97Uxc1o9JV3Yr9rQfd",
        "is_multiple_use": true,
        "items": [
          {
            "description": "this is cool sunglasses",
            "image_details": {
              "alternative_image_urls": [
                "https://google.com/image1",
                "https://google.com/image2"
              ],
              "primary_image_url": "https://google.com/image"
            },
            "item_details": null,
            "name": null,
            "price_details": {
              "amount_excluding_sales_tax": null,
              "currency": "USD",
              "item_discount_amount": null,
              "price_type": "PROMOTIONAL",
              "regular_amount": 5000,
              "sale_amount": 4000
            },
            "quantity": 1
          }
        ],
        "link_expires_at": "2025-06-04T15:10:07.769552Z",
        "link_url": "https://link.qa-payments-checkout.com/zW6Xpq",
        "merchant_id": "MU5tYxn1K1foFfmCqWYBRQZL",
        "nickname": "string",
        "payment_frequency": "ONE_TIME",
        "state": "ACTIVE",
        "tags": {},
        "updated_at": "2025-05-28T15:10:07.809171Z"
      }
    ]
  },
  "entity": "payment_link",
  "id": "event_qDjqAX2xUQC8zmoLeVSwcv",
  "occurred_at": "2025-05-28T15:10:08.173467826",
  "system_generated_idempotency_id": "qDjqAX2xUQC8zmoLeVSwcv",
  "type": "updated"
}
```

### Payout Profile Created

The event that's sent when the [payout settings](/guides/platform-payments/seller-payouts/managing-seller-payouts) of a `Merchant` are changed or updated.


```json
{
    "type": "created",
    "entity": "payout_profile",
    "occurred_at": "2022-08-05T18:46:47.488477",
    "_embedded": {
        "payout_profiles": [
            {
                "updated_at": "2022-08-05T11:46:46.52Z",
                "created_at": "2022-08-05T11:46:46.52Z",
                "id": "POwgvawdPpTfE2fvayUi4FJ1",
                "linked_type": "MERCHANT",
                "type": "NET",
                "net": {
                    "frequency": "DAILY",
                    "submission_delay_days": 0,
                    "payment_instrument_id": "PI8K6j4DkAuoD56mcxKxic9d",
                    "rail": "STANDARD"
                },
                "linked_id": "MU84HSuYw9GSVxWoiXuMsPdH",
                "tags": {}
            }
        ]
    }
}
```

### Subscription Created

The event you receive when a `Subscription` is created.


```json
{
  "_embedded": {
    "subscriptions": [
      {
        "id": "subscription_copEkMmqfLWCWKmeeYMHS",
        "amount": 10000,
        "billing_interval": "MONTHLY",
        "buyer_details": {
          "identity_id": "IDiyCN29J7cLjKftvqayu7km",
          "instrument_id": "PI5YgtbPbBdCcYnf9zNpyX3b",
          "requested_delivery_methods": []
        },
        "canceled_via": null,
        "created_at": "2025-05-23T15:00:30.64Z",
        "currency": "USD",
        "expires_at": null,
        "first_charge_at": "2025-05-23T15:00:30.00Z",
        "linked_to": "MUvPwWkxGW4ddABQsnBe133o",
        "linked_type": "MERCHANT",
        "next_billing_date": {
          "day": 23,
          "month": 5,
          "year": 2025
        },
        "nickname": "My awesome subscription",
        "start_subscription_at": "2025-05-23T00:00:00.000Z",
        "state": "ACTIVE",
        "subscription_details": {
          "collection_method": "BILL_AUTOMATICALLY",
          "discount_phase_details": null,
          "send_invoice": false,
          "send_receipt": false,
          "trial_details": null
        },
        "subscription_link_id": null,
        "subscription_phase": "EVERGREEN",
        "subscription_plan_id": "subscription_plan_copEkD65sYwiLR39ffSWk",
        "tags": {},
        "total_billing_intervals": null,
        "updated_at": "2025-05-23T15:00:44.43Z"
      }
    ]
  },
  "entity": "subscription",
  "id": "event_4K9BCzgFetumnw4JGat7r5",
  "occurred_at": "2025-05-23T15:01:11.134482181",
  "system_generated_idempotency_id": "4K9BCzgFetumnw4JGat7r5",
  "type": "created"
}
```

### Subscription Updated

The event you receive when a `Subscription` is updated.


```json
{
  "_embedded": {
    "subscriptions": [
      {
        "id": "subscription_copEkMmqfLWCWKmeeYMHS",
        "amount": 10000,
        "billing_interval": "MONTHLY",
        "buyer_details": {
          "identity_id": "IDiyCN29J7cLjKftvqayu7km",
          "instrument_id": "PI5YgtbPbBdCcYnf9zNpyX3b",
          "requested_delivery_methods": []
        },
        "canceled_via": null,
        "created_at": "2025-05-23T15:00:30.64Z",
        "currency": "USD",
        "expires_at": null,
        "first_charge_at": "2025-05-23T15:00:30.00Z",
        "linked_to": "MUvPwWkxGW4ddABQsnBe133o",
        "linked_type": "MERCHANT",
        "next_billing_date": {
          "day": 23,
          "month": 5,
          "year": 2025
        },
        "nickname": "My awesome subscription",
        "start_subscription_at": "2025-05-23T00:00:00.000Z",
        "state": "ACTIVE",
        "subscription_details": {
          "collection_method": "BILL_AUTOMATICALLY",
          "discount_phase_details": null,
          "send_invoice": false,
          "send_receipt": false,
          "trial_details": null
        },
        "subscription_link_id": null,
        "subscription_phase": "EVERGREEN",
        "subscription_plan_id": "subscription_plan_copEkD65sYwiLR39ffSWk",
        "tags": {},
        "total_billing_intervals": null,
        "updated_at": "2025-05-23T15:00:44.43Z"
      }
    ]
  },
  "entity": "subscription",
  "id": "event_4K9BCzgFetumnw4JGat7r5",
  "occurred_at": "2025-05-23T15:01:11.134482181",
  "system_generated_idempotency_id": "4K9BCzgFetumnw4JGat7r5",
  "type": "updated"
}
```

### Refund, Debit

The event you receive when refunding or reversing a debit.

The event that gets sent has:

- `type: created`
- `entity: transfer`
- `_embedded.transfers[0].type: REVERSAL`



```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-26T23:47:33.443",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 100,
                "trace_id": "df499916-5cda-45f0-b1d9-3d59460cd867",
                "fee": 0,
                "destination": "PI5JEJTNwLzZ8rMMFV9QkaHz",
                "raw": null,
                "created_at": "2020-04-26T23:47:33.17Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "type": "REVERSAL",
                "tags": {},
                "statement_descriptor": "FIN*FINIX FLOWERS",
                "ready_to_settle_at": null,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T23:47:33.39Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRxiRsBXhWp7ZdVwkRiEEjFm",
                "state": "PENDING"
            }
        ]
    }
}
```

### Refund, Referenced (Card Present)

The events you receive when a Card Present Transfer gets refunded/reversed.

#### Transfer Created

The event you receive when a `Transfer` gets created to refund a transaction. A `Transfer` created to process a refund will have `type: REVERSAL`.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:37:36.256",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 1000,
                "trace_id": "FNX2kW6zCR27aD9rqgxzXuHRE",
                "fee": 0,
                "destination": "PInJceezonsp9C5Vcta3azs1",
                "raw": null,
                "created_at": "2020-04-29T20:37:33.74Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "REVERSAL",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:37:35.87Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:37:35.87Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TR9c8iiP5dsWnqQvMQgWowH1",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a reversal `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:37:35.955",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 1000,
                "trace_id": "FNX2kW6zCR27aD9rqgxzXuHRE",
                "fee": 0,
                "destination": "PInJceezonsp9C5Vcta3azs1",
                "raw": null,
                "created_at": "2020-04-29T20:37:33.74Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "REVERSAL",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:37:35.87Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TR9c8iiP5dsWnqQvMQgWowH1",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Ready to Settle

The event you receive when the `Transfer` is ready [for approval in a `Settlement`](/guides/platform-payments/seller-payouts). A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:37:35.955",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 1000,
                "trace_id": "FNX2kW6zCR27aD9rqgxzXuHRE",
                "fee": 0,
                "destination": "PInJceezonsp9C5Vcta3azs1",
                "raw": null,
                "created_at": "2020-04-29T20:37:33.74Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "REVERSAL",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:37:35.87Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:37:35.87Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TR9c8iiP5dsWnqQvMQgWowH1",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Refund, Unreferenced (Card Present Swipe Card)

The events you receive when an unreferenced refund gets processed for a card present transaction.

#### Transfer Created

The event you receive when a `Transfer` gets created to refund a transaction where the card was swiped. A `Transfer` created to process a refund for a swiped card will have `type: CREDIT`.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:38:15.648",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 5000,
                "trace_id": "FNX4KXt8NXXttQZAghLj4jxtR",
                "fee": 0,
                "destination": "PI2KVAR4aohyZB9FTi23s18L",
                "raw": null,
                "created_at": "2020-04-29T20:38:15.49Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "CREDIT",
                "tags": {
                    "order_number": "test"
                },
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:38:15.59Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRc7FYetjSmUbKFVUTG5cJKq",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a reversal `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:38:30.613",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 5000,
                "trace_id": "FNX4KXt8NXXttQZAghLj4jxtR",
                "fee": 0,
                "destination": "PI2KVAR4aohyZB9FTi23s18L",
                "raw": null,
                "created_at": "2020-04-29T20:38:15.49Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "CREDIT",
                "tags": {
                    "order_number": "test"
                },
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:38:30.56Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRc7FYetjSmUbKFVUTG5cJKq",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Ready to Settle

The event you receive when the `Transfer` is ready [for approval in a `Settlement`](/guides/platform-payments/seller-payouts). A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:38:30.335",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 5000,
                "trace_id": "FNX4KXt8NXXttQZAghLj4jxtR",
                "fee": 0,
                "destination": "PI2KVAR4aohyZB9FTi23s18L",
                "raw": null,
                "created_at": "2020-04-29T20:38:15.49Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "CREDIT",
                "tags": {
                    "order_number": "test"
                },
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:38:30.29Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:38:30.28Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRc7FYetjSmUbKFVUTG5cJKq",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Sale with EMV Card (Card Present)

The events you receive when processing a `Transfer` with an EMV card.

#### Transfer Created

The event you receive when a `Transfer` gets created to process a `Transfer` with an EMV card. The `Transfer` gets created with `state: PENDING`.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:40.5",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaEQJjdH6SLSNcU3JgUXenX",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:40.39Z",
                "source": "PIbARkH2cDxpXChBDTDtGzZz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:40.46Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRj4BxdJJu3XHF2xh9BgF8J9",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:57.697",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaEQJjdH6SLSNcU3JgUXenX",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:40.39Z",
                "source": "PIbARkH2cDxpXChBDTDtGzZz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:57.55Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRj4BxdJJu3XHF2xh9BgF8J9",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Ready to Settle

The event you receive when the `Transfer` is ready for approval in a `Settlement`. A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:56.547",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaEQJjdH6SLSNcU3JgUXenX",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:40.39Z",
                "source": "PIbARkH2cDxpXChBDTDtGzZz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:32:56.51Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:56.50Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRj4BxdJJu3XHF2xh9BgF8J9",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Sale with Manual Entry (Card Present)

The events you receive when a `Transfer` is created for a transaction processed via manual entry.

#### Transfer Created

The event you receive when a `Transfer` gets created for a transaction processed via manual entry.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:34:06.854",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaarxCYxm5ckVFPiyCKh8d1",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:34:06.69Z",
                "source": "PInJceezonsp9C5Vcta3azs1",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:34:06.80Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRqq52oDiPVv3WJNb1B7M1UU",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:35:13.819",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaarxCYxm5ckVFPiyCKh8d1",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:34:06.69Z",
                "source": "PInJceezonsp9C5Vcta3azs1",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:35:13.57Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRqq52oDiPVv3WJNb1B7M1UU",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Ready to Settle

The event you receive when the `Transfer` is ready [for approval in a `Settlement`](/guides/platform-payments/seller-payouts). A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:35:11.986",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXaarxCYxm5ckVFPiyCKh8d1",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:34:06.69Z",
                "source": "PInJceezonsp9C5Vcta3azs1",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:35:11.94Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:35:11.93Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRqq52oDiPVv3WJNb1B7M1UU",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Sale with Manual Entry (Card Present)

The events you receive when a `Transfer` gets created for card present transactions.

#### Transfer Created

The event you receive when a `Transfer` gets created to process a card present transaction.


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:07.555",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXrkV69dG3nU4fNmW4Mtwpoo",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:07.37Z",
                "source": "PI3WYRq5CjwrMAUV8STDXYJJ",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:07.50Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRgCH1Mo7dn9m1abgFDjQBzo",
                "state": "PENDING",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Attempt Created

The event you receive when a `Transfer Attempt` gets created to process a hosted payment.


```json
{
  "type": "created",
  "entity": "transfer_attempt",
  "occurred_at": "2020-04-29T20:31:32.348",
  "_embedded": {
    "transfer_attempts": [
      {
        "id" : "transfer_attempt_ciACBK59kDhfx2Mi4Vy81",
        "created_at" : "2024-12-27T05:52:07.44Z",
        "updated_at" : "2024-12-27T05:52:07.44Z",
        "merchant_id" : "MUmfEGv5bMpSJ9k5TFRUjkmm",
        "application_id" : "APc9vhYcPsRuTSpKD9KpMtPe",
        "amount" : 200,
        "currency" : "USD",
        "state" : "SUCCEEDED",
        "payment_frequency" : "ONE_TIME",
        "transfer_id" : "TRodANv8j3CVRUQz4sgZa8sK",
        "payment_instrument_id" : "PI7AS61AmsnJQ5Y7sL7dM1Ux",
        "entity_id" : "payment_link_ciACu5E9CqjqTmPq4k5WT",
        "entity_type" : "PAYMENT_LINK",
        "buyer_details" : {
          "first_name" : "",
          "last_name" : "",
          "email" : "test@gmail.com",
          "identity_id" : "IDew6Bkcj1AwEP2aWhjjfdqS",
          "phone" : null,
          "billing_address" : null,
          "shipping_address" : {
            "city" : null,
            "country" : "USA",
            "line1" : null,
            "line2" : null,
            "postal_code" : null,
            "region" : null
          }
        },
        "failure_code" : null,
        "failure_message" : null,
        "tags" : { },
        "recipient_details" : null,
        "operation_key" : "SALE",
        "type" : "DEBIT",
        "recipient_merchant_id" : null,
        "receipt_requested_delivery_methods" : [ {
          "type" : "EMAIL",
          "destinations" : [ "test@gmail.com" ]
        } ],
        "additional_buyer_charges" : null,
        "amount_requested" : 200
      }
    ]
  }
}
```

#### Transfer Attempt Updated

The event you receive when a `Transfer Attempt` is updated.


```json
{
  "type": "created",
  "entity": "transfer_attempt",
  "occurred_at": "2020-04-29T20:31:32.348",
  "_embedded": {
    "transfer_attempts": [
      {
        "id" : "transfer_attempt_ciACBK59kDhfx2Mi4Vy81",
        "created_at" : "2024-12-27T05:52:07.44Z",
        "updated_at" : "2024-12-27T06:52:07.44Z",
        "merchant_id" : "MUmfEGv5bMpSJ9k5TFRUjkmm",
        "application_id" : "APc9vhYcPsRuTSpKD9KpMtPe",
        "amount" : 200,
        "currency" : "USD",
        "state" : "SUCCEEDED",
        "payment_frequency" : "ONE_TIME",
        "transfer_id" : "TRodANv8j3CVRUQz4sgZa8sK",
        "payment_instrument_id" : "PI7AS61AmsnJQ5Y7sL7dM1Ux",
        "entity_id" : "payment_link_ciACu5E9CqjqTmPq4k5WT",
        "entity_type" : "PAYMENT_LINK",
        "buyer_details" : {
          "first_name" : "",
          "last_name" : "",
          "email" : "test@gmail.com",
          "identity_id" : "IDew6Bkcj1AwEP2aWhjjfdqS",
          "phone" : null,
          "billing_address" : null,
          "shipping_address" : {
            "city" : null,
            "country" : "USA",
            "line1" : null,
            "line2" : null,
            "postal_code" : null,
            "region" : null
          }
        },
        "failure_code" : null,
        "failure_message" : null,
        "tags" : {
          "new key": "new value"
        },
        "recipient_details" : null,
        "operation_key" : "SALE",
        "type" : "DEBIT",
        "recipient_merchant_id" : null,
        "receipt_requested_delivery_methods" : [ {
          "type" : "EMAIL",
          "destinations" : [ "test@gmail.com" ]
        } ],
        "additional_buyer_charges" : null,
        "amount_requested" : 200
      }
    ]
  }
}
```

#### Identity Created

The event you receive when an `Identity` gets created. The new `Identity` gets used to create the `Payment Instrument` for the non EMV card.


```json
{
    "type": "created",
    "entity": "identity",
    "occurred_at": "2020-04-29T20:32:07.637",
    "_embedded": {
        "identitys": [
            {
                "application": null,
                "updated_at": "2020-04-29T20:32:07.37Z",
                "created_at": "2020-04-29T20:32:07.37Z",
                "id": "ID6ckSipRZQE6jDRYS78qEeH",
                "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
                },
                "identity_roles": [],
                "tags": {}
            }
        ]
    }
}
```

#### Transfer Updated

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:31.508",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXrkV69dG3nU4fNmW4Mtwpoo",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:07.37Z",
                "source": "PI3WYRq5CjwrMAUV8STDXYJJ",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": null,
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:31.32Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRgCH1Mo7dn9m1abgFDjQBzo",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

#### Transfer Ready to Settle

The event you receive when the `Transfer` is ready for approval in a `Settlement`. A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-29T20:32:29.772",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 20000,
                "trace_id": "FNXrkV69dG3nU4fNmW4Mtwpoo",
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-29T20:32:07.37Z",
                "source": "PI3WYRq5CjwrMAUV8STDXYJJ",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDgk8BqH6Kp176UF7KsQecio",
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FIN*FINIX",
                "ready_to_settle_at": "2020-04-29T20:32:29.67Z",
                "application": "APiDZzAY28F2uSz47L88EuPk",
                "updated_at": "2020-04-29T20:32:29.66Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRgCH1Mo7dn9m1abgFDjQBzo",
                "state": "SUCCEEDED",
                "device": "DV4b5w1TNAkBu9RTgXU7C19b"
            }
        ]
    }
}
```

### Settlement Accruing

The event you receive when a [`Settlement` begins accruing transactions](/guides/platform-payments/seller-payouts/accruing-settlements). This is the first webhook that is received for a `Settlement`.


```json
{
    "type": "accruing_started",
    "entity": "settlement",
    "occurred_at": "2018-03-06T20:41:34.277",
    "_embedded": {
        "settlements": [
            {
                "id": "STc4qcqYJn4tKaD6bkHzkzMG",
                "application": "APcL6gyMzeFqDf6RHJid3SEq",
                "tags": {},
                "identity": "ID57iuPnKwuopPn93YsGmvkP",
                "currency": "USD",
                "merchant_id": "MUgRjRrRwDyMbzS6CVQYPECC",
                "created_at": "2022-08-18T19:00:00.93Z",
                "updated_at": "2022-08-18T19:00:00.93Z",
                "processor": "DUMMY_V1",
                "type": "MERCHANT_REVENUE",
                "funds_flow": null,
                "payment_type": null,
                "total_amount": 662154,
                "total_fees": 19232,
                "total_fee": 19232,
                "net_amount": 642922,
                "destination": null,
                "status": "PENDING"
            }
        ]
    }
}
```

### Settlement Approved

The event sent when a `Merchant` approves a `Settlement`.


```json
{
    "type": "updated",
    "entity": "settlement",
    "occurred_at": "2022-05-05T22:19:42.101668",
    "_embedded": {
        "settlements": [
            {
                "total_fees": 54321,
                "destination": null,
                "created_at": "2022-05-05T16:51:24.75Z",
                "merchant_id": "MUvrfZpyZtaaFWJjBt2kSd5t",
                "type": "MERCHANT_REVENUE",
                "processor": "DUMMY_V1",
                "tags": {},
                "payment_type": null,
                "application": "AP67hTPMFqeM9mvCkRN81c4f",
                "updated_at": "2022-05-05T22:19:39.51Z",
                "total_amount": 0,
                "identity": "IDigyAkvecqA4KBKkvUbK9gP",
                "total_fee": 54321,
                "currency": "USD",
                "id": "STjWJZEp51zLebP78s974o1w",
                "net_amount": -54321,
                "funds_flow": "NET",
                "status": "APPROVED"
            }
        ]
    }
}
```

### Settlement Created

The event you receive when a [`Settlement` closes and awaiting Finix approval.](/guides/platform-payments/seller-payouts). This is the second webhook that is received for a `Settlement`.


```json
{
    "type": "created",
    "entity": "settlement",
    "occurred_at": "2022-08-18T16:45:30.253835",
    "_embedded": {
        "settlements": [
            {
                "total_fees": 1388,
                "destination": null,
                "created_at": "2022-08-18T16:30:06.07Z",
                "merchant_id": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "type": "MERCHANT_REVENUE",
                "processor": "DUMMY_V1",
                "tags": {},
                "payment_type": null,
                "application": "APgPDQrLD52TYvqazjHJJchM",
                "updated_at": "2022-08-18T16:45:27.03Z",
                "total_amount": 49380,
                "identity": "IDuqZpDw28f2KK6YuDk4jNLg",
                "total_fee": 1388,
                "currency": "USD",
                "id": "STzcJD5WSsMojBzsuH65N8j",
                "net_amount": 47992,
                "funds_flow": "NET",
                "status": "AWAITING_APPROVAL"
            }
        ]
    }
}
```

### Settlement Funding Transfer Created

The event you receive when the funding [`transfer` of a `Settlement` gets created](/guides/platform-payments/seller-payouts) for a `Merchant`.


```json
{
    "id": "event_8hv9UJRJG4LweMMoDgys5a",
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2022-12-13T19:12:53.829814",
    "_embedded": {
        "transfers": [
            {
                "fee": 0,
                "destination": "PIshDA1jsiEJH5RStcctoqGR",
                "created_at": "2022-12-13T19:12:52.49Z",
                "failure_message": null,
                "fee_type": "CARD_FIXED",
                "source": null,
                "type": "CREDIT",
                "additional_buyer_charges": null,
                "statement_descriptor": null,
                "additional_healthcare_data": null,
                "updated_at": "2022-12-13T19:12:52.58Z",
                "subtype": "SETTLEMENT_MERCHANT",
                "amount_requested": 194408,
                "currency": "USD",
                "id": "TRund4D4dYB3EoMFjHADw1X4",
                "state": "PENDING",
                "idempotency_id": null,
                "amount": 194408,
                "failure_code": null,
                "trace_id": "770788e0-84eb-4350-81a8-34d5d4fa4201",
                "address_verification": null,
                "security_code_verification": null,
                "raw": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDtLE8194YeihTtmtTSzucoP",
                "tags": {},
                "ready_to_settle_at": null,
                "application": "AP7Geeyfse2KNHiZU6BYZqo5",
                "externally_funded": "UNKNOWN",
                "messages": []
            }
        ]
    }
}
```

### Settlement Updated and Awaiting Approval

The event you receive after Finix approves a `Settlement` and it becomes available for approval.


```json
{
    "id": "event_9op0ILKJG4LweMMoDers4l",
    "type": "updated",
    "entity": "settlement",
    "occurred_at": "2023-02-16T22:19:57.64Z",
    "_embedded": {
        "transfers": [
            {
                "id": "ST2sg1vzfNdeNBr8a4iqVxDt",
                "created_at": "2023-02-16T22:19:57.64Z",
                "updated_at": "2023-02-16T22:37:05.11Z",
                "adjustment_credit_amount": 0,
                "adjustment_credit_count": 0,
                "adjustment_debit_amount": 0,
                "adjustment_debit_count": 0,
                "application": "APxxJrYiqedWNXKsbKz939r8",
                "auto_close_time": "2023-02-17T13:00:00.00Z",
                "currency": "USD",
                "dispute_credit_amount": 0,
                "dispute_credit_count": 0,
                "dispute_debit_amount": 0,
                "dispute_debit_count": 0,
                "exception": false,
                "externally_funded_amount": 0,
                "externally_funded_count": 0,
                "fee_count": 12,
                "finix_fee_count": 0,
                "merchant": "MUnawwFb6vCdrnteVtPDdwmK",
                "payout_plan": "POa1KmjxP1RXXg3nWdhoPSfG",
                "processor_type": "DUMMY_V1",
                "reverse_amount": 0,
                "reverse_count": 0,
                "schedule_type": "DAILY",
                "settlement_group": "SG2senctJE9aMysfYz7AUheu",
                "split_count": 0,
                "status": "AWAITING_APPROVAL",
                "tags": {},
                "total_amount": 39450,
                "total_fee_amount": 1857,
                "total_finix_fee_amount": 0,
                "total_split_amount": 0,
                "transfer_credit_amount": 0,
                "transfer_credit_count": 0,
                "transfer_debit_amount": 39450,
                "transfer_debit_count": 6,
                "window_end": "2023-02-16T22:37:00.00Z",
                "window_start": "2023-02-16T05:00:00.00Z"
            }
        ]
    }
}
```

### Transfer Cancelled

The event you receive when a `Transfer` gets cancelled.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2022-08-09T22:30:09.692475",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": "4c39e773d04d60eb24ea767258cec28b",
                "amount": 3238,
                "trace_id": "FNX4hvw94KQPfipvLZVUUSx8y",
                "failure_code": null,
                "fee": 0,
                "destination": null,
                "raw": null,
                "created_at": "2022-08-07T16:20:29.40Z",
                "source": "PI8EV9PDtnTomU1SbhtXfss1",
                "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "merchant_identity": "IDndzozsxaoZFPLgCAhTgpaN",
                "failure_message": null,
                "type": "DEBIT",
                "tags": {},
                "statement_descriptor": "FI *BEYOND",
                "additional_buyer_charges": null,
                "ready_to_settle_at": null,
                "application": "APwug8rgLYVRAvDvBeuF3oFU",
                "updated_at": "2022-08-09T22:30:08.48Z",
                "subtype": "API",
                "externally_funded": "UNKNOWN",
                "messages": [],
                "currency": "USD",
                "id": "TRsXVRii1UWCGYG1XKXbpEVw",
                "state": "CANCELED"
            }
        ]
    }
}
```

### Transfer Created (Bank Account Debit)

The events you receive using ACH (also called eCheck) to debit a bank account.

#### Transfer Created

The event you receive when a [`transfer` gets created to debit a bank account](/guides/online-payments/bank-payments/ach-direct-debits).


```json
{
    "type": "created",
    "entity": "transfer",
    "occurred_at": "2020-04-26T23:41:55.297",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 95073,
                "trace_id": "c2bf4ba1-ef59-4c1d-9313-8a46c096cf95",
                "fee": 9507,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-26T23:41:55.13Z",
                "source": "PI4CxWXFQBPjTiU1F1oUcRqz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "type": "DEBIT",
                "tags": {
                    "order_number": "21DFASJSAKAS"
                },
                "statement_descriptor": "FIN*FINIX FLOWERS",
                "ready_to_settle_at": null,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T23:41:55.23Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRhb7bDRw4TQwUrGj7zCetVG",
                "state": "PENDING"
            }
        ]
    }
}
```

#### Transfer Succeeded

The event you receive when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-26T23:42:18.582",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 95073,
                "trace_id": "c2bf4ba1-ef59-4c1d-9313-8a46c096cf95",
                "fee": 9507,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-26T23:41:55.13Z",
                "source": "PI4CxWXFQBPjTiU1F1oUcRqz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "type": "DEBIT",
                "tags": {
                    "order_number": "21DFASJSAKAS"
                },
                "statement_descriptor": "FIN*FINIX FLOWERS",
                "ready_to_settle_at": null,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T23:42:18.53Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRhb7bDRw4TQwUrGj7zCetVG",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

### Transfer Updated (Succeeded)

The events that get sent when a `Transfer` gets updated to `SUCCEEDED`.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-26T23:51:06.063",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 100,
                "trace_id": "df499916-5cda-45f0-b1d9-3d59460cd867",
                "fee": 0,
                "destination": "PI5JEJTNwLzZ8rMMFV9QkaHz",
                "raw": null,
                "created_at": "2020-04-26T23:47:33.17Z",
                "source": null,
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "type": "REVERSAL",
                "tags": {},
                "statement_descriptor": "FIN*FINIX FLOWERS",
                "ready_to_settle_at": null,
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T23:48:12.40Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRxiRsBXhWp7ZdVwkRiEEjFm",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

### Transfer Updated (Ready to Settle)

The event you receive when the `Transfer` is ready [for approval in a `Settlement`](/guides/platform-payments/seller-payouts). A transfer is ready to settle when `ready_to_settle_at` gets updated with a timestamp.


```json
{
    "type": "updated",
    "entity": "transfer",
    "occurred_at": "2020-04-26T23:51:27.34",
    "_embedded": {
        "transfers": [
            {
                "idempotency_id": null,
                "amount": 95073,
                "trace_id": "c2bf4ba1-ef59-4c1d-9313-8a46c096cf95",
                "fee": 9507,
                "destination": null,
                "raw": null,
                "created_at": "2020-04-26T23:41:55.13Z",
                "source": "PI4CxWXFQBPjTiU1F1oUcRqz",
                "merchant": "MU7cXuKj2xx41hhZZi6bZ13A",
                "merchant_identity": "IDdpvBpQ9m6D3JDCRq9UDB2E",
                "type": "DEBIT",
                "tags": {
                    "order_number": "121212123"
                },
                "statement_descriptor": "FIN*FINIX FLOWERS",
                "ready_to_settle_at": "2020-04-27T04:00:00.00Z",
                "application": "APkBUdiWzBjUAkfnbkirXs6d",
                "updated_at": "2020-04-26T23:51:27.27Z",
                "subtype": "API",
                "messages": [],
                "currency": "USD",
                "id": "TRhb7bDRw4TQwUrGj7zCetVG",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```

### Funding Transfer Attempt Created

The event you receive when a `Funding Transfer Attempt` gets created. Funding Transfer Attempts are used for settlement instant payouts.


```json
{
    "id": "event_tWshA2ni3ypPgsEfA38UQb",
    "system_generated_idempotency_id": "tWshA2ni3ypPgsEfA38UQb",
    "type": "updated",
    "entity": "funding_transfer_attempt",
    "occurred_at": "2025-01-27T22:08:58.270890776",
    "_embedded": {
        "funding_transfer_attempts": [
            {
                "amount": 1000,
                "failure_code": null,
                "settlement_id": "ST21qGT94EoDyyDuuivppQ5Z",
                "created_at": "2025-01-27T22:07:39.33Z",
                "failure_message": null,
                "merchant_id": "MUtyBMRg9V6SH5m1SSNrvdaU",
                "application_id": "APeiHHWMaRgg3zcUTUVj6xuk",
                "instrument_id": "PIvbR383jYuAv9BU3NTZFBB5",
                "updated_at": "2025-01-27T22:07:41.11Z",
                "funding_transfer_id": null,
                "currency": "USD",
                "id": "funding_transfer_attempt_p13eJSrJsmpfB2H7c33W3y",
                "state": "PENDING"
            }
        ]
    }
}
```

### Funding Transfer Attempt Updated

The event you receive when a `Funding Transfer Attempt` gets created. Funding Transfer Attempts are used for settlement instant payouts. You can track changes to `state` and `funding_transfer_id` using this webhook.


```json
{
    "id": "event_bMFrW4JsdKhgub4QyQ2q4W",
    "system_generated_idempotency_id": "bMFrW4JsdKhgub4QyQ2q4W",
    "type": "updated",
    "entity": "funding_transfer_attempt",
    "occurred_at": "2025-01-27T22:10:37.45411079",
    "_embedded": {
        "funding_transfer_attempts": [
            {
                "amount": 1000,
                "failure_code": null,
                "settlement_id": "STaQiUn9EraADgE6APjD2vwf",
                "created_at": "2025-01-27T22:09:48.69Z",
                "failure_message": null,
                "merchant_id": "MUtyBMRg9V6SH5m1SSNrvdaU",
                "application_id": "APeiHHWMaRgg3zcUTUVj6xuk",
                "instrument_id": "PIhm2APRxomyiQ16jnDTGQnm",
                "updated_at": "2025-01-27T22:09:50.71Z",
                "funding_transfer_id": "TRerSoEHQLPdU41s8YwAbh2n",
                "currency": "USD",
                "id": "funding_transfer_attempt_2fqSr4tc74MBBh1a1bYQVF",
                "state": "SUCCEEDED"
            }
        ]
    }
}
```