Events

Currently, VoPay supports webhooks for the following events. A unique webhook URL can be set for each event. For more information see the Webhook API docs.

Event	Description	Expected Statuses	Sample Payload
`transaction`	A transaction status has changed.	pending requested in progress sent request fulfilled received failed cancellation requested cancelled successful settled received declined complete	Click Here
`elinx`	Customer completes (or declines) your eLinx request	pending completed cancelled declined	Click Here
`bankaccount`	Bank account details are received from the financial institution after your customer successfully connects their bank account	successful failed	Click Here
`creditcard`	Your customer successfully connected their credit card	successful	Click Here
`debitcard`	Your customer successfully connected their debit card	successful	Click Here
`scheduledtransactions`	A scheduled payment was created on the requested date. If the scheduled transaction was for client accounts the payload will include the TransferType	completed failed	Click Here
`batchrequest`	Each request in the batch has been processed.	processed	Click Here
`batchdetail`	A transaction inside a batch request could not be created	failed	Click Here
`accountonboarding`	A VoPay account status has changed.Note: This event is only available to Partner accounts and VoPay accounts with Sub-accounts enabledNote: When the account is activated, the account's API key and shared secret will be included in the webhook payload	Account Validation Account Review and Validation Sales Manager Approval Agreement Pending Application Pending Underwriting Credit Risk Review Account Provisioning Certification Pending Active Rejected Disabled Suspended	Click Here
`accountonboardingapplication`	Import data to an onboarding application is completeNote: This event is only available to Partner accounts	import application data complete	Click Here
`accountverifications`	An account verification request has changed status.	verified failed expired	Click Here
`contactverification`	An account verification request has changed status.	verified failed unverified	Click Here
`accountbalance`	Your VoPay account balance has dropped below the specified threshold	low balance	Click Here
`clientaccountbalance`	A client account balance has dropped below the specified threshold	low balance	Click Here
`accountlimit`	Your VoPay account has surpassed a specified threshold of your daily, weekly, monthly transaction limits	transaction limit warning	Click Here
`rollingreserve`	Your VoPay Account rolling reserve has been updates	rolling reserve updated	Click Here
`dataenrichment`	Data enrichment has been completed	successful	Click Here
`transactiongroup`	Transactions within a transaction group have been processed	processing completed	Click Here
`clientaccountverification`	A client account verification has been completed	complete	Click Here
`clientaccountinformationcomplete`	A client account/contact has been activated after completing the KYC	Active	Click Here
`paymentreceived`	Inbound payment has been received	complete	Click Here
`virtualtransaction`	A virtual transaction has been processed	successful	Click Here
`virtualaccountcreated`	A virtual account has been created and assigned to a VoPay account	created	Click Here
`accountblocked`	An account has been blocked or unblocked by the secured (DACA) account	blocked active	Click Here

📘
Testing Webhook Notifications
If you want to test that your webhooks are working, simply call the Test Webhook Endpoint. This will simulate a webhook notification for the provided event.

Sample Payloads

Transaction Status Change

{
  "Success": true,
  "EventID": "5576",
  "Status": "in progress",
  "ID": "97684",
  "Event": "transaction",
  "TransactionAmount": "25262.00",
  "ClientReferenceNumber": "ABC97112731",
  "TransactionType": "vopayinsantwithdraw",
  "TransactionID": "97684",
  "AccountID": "testuser",
  "ErrorCode": "901",
  "FailureReason": "NSF",
  "UpdatedAt": "2023-07-16 14:56:00",
  "ValidationKey": "6d538372b1a5baa7249818c1cff6b94ea9b97481",
  "Environment": "Production"
}

eLinx Status Change

{
  "Success": true,
  "EventID": "5576",
  "Status": "completed",
  "ID": "43085",
  "Event": "elinx",
  "TransactionAmount": "56747.00",
  "TransactionType": "elinx",
  "TransactionID": "54798",
  "TransactionIDs":{
    "TransactionID":"54798",
    "TransactionType":"PayPal Withdrawal"
  },
  "BankAccountToken":"a022ff77a55e6d00bf271a2b36c65a26600a1a24",
  "Token":{
    "Token":"a022ff77a55e6d00bf271a2b36c65a26600a1a24",
    "ConnectionType":"paypal"
  },
  "AccountID": "testuser",
  "UpdatedAt": "2023-07-16 14:58:23",
  "ValidationKey": "0539d46f95d10202d669798170934f02f1df9647",
  "Environment": "Production"
}

Bank Account Connection

{
  "Success": true,
  "EventID": "5576",
  "Status": "successful",
  "ID": "a022ff77a55e6d00bf271a2b36c65a26600a1a24",
  "Event": "bankaccount",
  "FinancialInstitutionNumber": "777",
  "BranchTransitNumber": "77777",
  "AccountNumber": "***4567",
  "InstitutionName": "VoPay Capital",
  "AccountHolderName": "Ada Lovelace",
  "TransactionType": "bankaccount",
  "Token": "a022ff77a55e6d00bf271a2b36c65a26600a1a24",
  "TokenType": "iq11",
  "AccountID": "testuser",
  "ClientAccountID": "testuserclient",
  "UpdatedAt": "2023-07-16 14:59:41",
  "ValidationKey": "32312558158b02af4749184a72b22cd0c7d690a4",
  "Environment": "Production"
}

Credit Card Connection

{
  "Success": true,
  "EventID": "5576",
  "Status": "successful",
  "ID": "a022ff77a55e6d00bf271a2b36c65a26600a1a25",
  "Event": "creditcard",
  "AccountNumber": "************4567",
  "CardBrand":"mastercard",
  "CardHolderName":"Ada Lovelace",
  "Token": "a022ff77a55e6d00bf271a2b36c65a26600a1a25",
  "AccountID": "testuser",
  "ClientAccountID": "testuserclient",
  "UpdatedAt": "2023-07-16 14:59:41",
  "ValidationKey": "32312558158b02af4749184a72b22cd0c7d690a4",
  "Environment": "Production"
}

Debit Card Connection

{
  "Success": true,
  "EventID": "5576",
  "Status": "successful",
  "ID": "a022ff77a55e6d00bf271a2b36c65a26600a1a25",
  "Event": "debitcard",
  "AccountNumber": "************000",
  "CardBrand":"mastercard",
  "CardHolderName":"Ada Lovelace",
  "Token": "a022ff77a55e6d00bf271a2b36c65a26600a1a25",
  "AccountID": "testuser",
  "ClientAccountID": "testuserclient",
  "UpdatedAt": "2023-07-16 14:59:41",
  "ValidationKey": "32312558158b02af4749184a72b22cd0c7d690a4",
  "Environment": "Production"
}

Scheduled Payment Created

{
  "Success": true,
  "EventID": "5576",
  "Status": "completed",
  "ID": "739",
  "Event":"scheduledtransactions",
  "TransactionID": "97684",
  "ClientReferenceNumber": "ABC97112731",
  "EftType": "fund",
  "Amount": "56747.00",
  "Frequency": "single",
  "Description": "this is a description",
  "TransactionType":"scheduledtransactions",
  "AccountID": "testuser",
  "UpdatedAt": "2023-07-16 15:01:04",
  "ValidationKey": "64d58f7d1577d05447797a7dcb7c2bc1130c98c7",
  "Environment": "Production"
}

Scheduled Payment Created (Client Account)

{
  "Success": true,
  "EventID": "5576",
  "Status": "in progress",
  "ID": "2",
  "Event": "scheduledtransactions",
  "FundingTransactionID": "3006608",
  "AccountTransferID": "3006609",
  "WithdrawTransactionID": "3006611",
  "ClientReferenceNumber": "50520201723",
  "TransferType": "fund-transfer-withdraw",
  "Amount": "9.00",
  "Frequency": "monthly",
  "AccountID": "testuserclient",
  "UpdatedAt": "2025-05-01 17:54:15",
  "ValidationKey": "70ca8c7448d14dcc6617053dc79bec456fb6a208",
  "Environment": "Production"
}

Scheduled Payment Created (Client Account - split transaction)

{
  "Success": true,
  "EventID": "5576",
  "Status": "in progress",
  "ID": "3",
  "Event": "scheduledtransactions",
  "FundingTransactionID": "3006608",
  "FundingTransactionID": "3006655",
  "AccountTransferIDs": "3006656, 3006658",
  "TransferType": "fund-transfer",
  "Amount": "9.00",
  "Frequency": "monthly",
  "AccountID": "testuserclient",
  "UpdatedAt": "2025-05-01 17:54:15",
  "ValidationKey": "70ca8c7448d14dcc6617053dc79bec456fb6a208",
  "Environment": "Production"
}

Batch Request Processed

{
  "Success": true,
  "EventID": "5576",
  "Status": "processed",
  "ID": "4562",
  "Event":"batchrequest",
  "TransactionType": "Interac",
  "PaymentType": "Credit",
  "NumRecords": 143,
  "TotalAmount": "84099.00",
  "AccountID": "testuser",
  "UpdatedAt": "2023-07-16 15:02:26",
  "ValidationKey": "c872c130e8cb70e3efa4fcd40af8d4b34029d9be",
  "Environment": "Production"
}

Batch Request Transaction Failed

{
  "Success": true,
  "EventID": "5576",
  "Status": "failed",
  "FailureReason": "This is a failure reason",
  "ID": "4315",
  "Event":"batchdetail",
  "BatchTransactionRequestID": "4315",
  "TransactionType": "Interac",
  "PaymentType": "Debit",
  "TransactionPayload": {
    "Key1": "Value1",
    "Key2": "Value2"
  },
  "AccountID": "testuser",
  "UpdatedAt": "2023-07-16 15:03:34",
  "ValidationKey": "9887ada342c217d37f686edb481fce9a034462fb",
  "Environment": "Production"
}

Account Status Change

{
  "Success": true,
  "EventID": "5576",
  "Status": "Account Provisioning",
  "ID": "account2537",
  "Event":"accountonboarding",
  "Account name": "Account_2537",
  "Process": "Onboarding",
  "AccountID":"account2537",
  "Key":"lkmn543980gera0l",
  "SharedSecret":"GFHsTgswsgSWER==",
  "UpdatedAt": "2023-07-16 15:04:40",
  "ValidationKey": "1ed0d24551bf016b8052d23521a3e586eb26d8aa",
  "Environment": "Production"
}

Account Onboarding Application Import

{
  "Success": true,
  "EventID": "5576",
  "Status": "import application data complete",
  "ID": "account2537",
  "Event":"accountonboardingapplication",
  "Failures": {
    "0":"Invalid FormFieldID '4447891145'"
  },
  "Link":"https://onboarding-app.vopay.com?applicationToken=<token>",
  "Progress":25,
  "NumRecordsUpdated":21,
  "UpdatedAt": "2023-07-16 15:04:40",
  "ValidationKey": "1ed0d24551bf016b8052d23521a3e586eb26d8aa",
  "Environment": "Production"
}

Account Verification Status Change

{
  "Success": true,
  "EventID": "5576",
  "Status": {
    "Transaction": {
      "Credit": "in progress",
      "Debit": null
     },
     "Verification": "verified",
     "Request": "active"
  },
  "ID": "79",
  "Event":"accountverifications",
  "AccountID": "testuser",
  "Amount": "0.11",
  "VerificationType":"bank",
  "FailureReason": null,
  "VerificationAttempts": "1",
  "ClientReferenceNumber": "123456",
  "Notes": "this is a note",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Contact Verification

{
  "Success": true,
  "EventID": "5576",
  "ID": "79",
  "Event":"contactverification",
  "AccountID": "testuser",
  "VerificationStatus": "verified",
  "FullName": "Ada Lovelace",
  "DOB": "1970-01-01",
  "VerificationType":"email",
  "ClientAccountID": "ClientAccount_1234",
  "EmailAddress": "[email protected]",
  "PhoneNumber": "5555555555",
  "Address": {
    "Address1": "123 Fake St",
    "Address2": "P/O 123",
    "City": "Vancouver",
		"Province/State": "BC",
    "PostalCode": "A1A1A1",
		"Country": "CAN"
  },
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Low Balance Alert (VoPay Account)

{
  "Success": true,
  "EventID": "5576",
  "Status": "low balance",
  "ID": "Account_1234",
  "Event":"accountbalance",
  "AccountID": "testuser",
  "AccountBalance": "100",
  "PendingBalance": 100,
  "Reserve": "1000",
  "AvailableBalance": "-1000",
  "Currency": "CAD",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Low Balance Alert (Client Account)

{
  "Success": true,
  "EventID": "5576",
  "Status": "low balance",
  "ID": "ClientAccount_1234",
  "Event":"clientaccountbalance",
  "AccountID": "testuser",
  "AccountBalance": "100",
  "PendingBalance": 100,
  "Reserve": "1000",
  "AvailableBalance": "-1000",
  "Currency": "CAD",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Account Limit

{
  "Success": true,
  "EventID": "5576",
  "Status": "transaction limit warning",
  "ID": "Account_1234",
  "Event": "accountlimit",
  "AccountID": "testuser",
  "LimitType": "Monthly",
  "LimitPercentExceeded": 50,
  "Message": "Your VoPay Account: Account_1234 has reached 50% of the monthly transaction limit",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Rolling Reserve

{
  "Success": true,
  "EventID": "5576",
  "Status": "rolling reserve updated",
  "ID": "Account_1234",
  "Event": "rollingreserve",
  "AccountID": "testuser",
  "PreviousBalance": {
    "AccountBalance":"0.00",
    "PendingBalance":"0.00",
    "Reserve":"0.00",
    "RollingReserveNSF":"422.95",
    "RollingReserveReturns":"0.00",
    "AvailableBalance":"-422.95"
  },
  "CurrentBalance": {
    "AccountBalance":"0.00",
    "PendingBalance":"0.00",
    "Reserve":"0.00",
    "RollingReserveNSF":"0.00",
    "RollingReserveReturns":"0.00",
    "AvailableBalance":"0.00"
  },
  "Currency": "CAD",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Rolling Reserve (Client Account)

{
  "Success": true,
  "EventID": "5576",
  "Status": "rolling reserve updated",
  "ID": "Account_1234",
  "Event": "rollingreserve",
  "AccountID": "testuser",
  "ClientAccountID": "ClientAccount_1234",
  "PreviousBalance": {
    "AccountBalance":"0.00",
    "PendingBalance":"0.00",
    "Reserve":"0.00",
    "RollingReserveNSF":"422.95",
    "RollingReserveReturns":"0.00",
    "AvailableBalance":"-422.95"
  },
  "CurrentBalance": {
    "AccountBalance":"0.00",
    "PendingBalance":"0.00",
    "Reserve":"0.00",
    "RollingReserveNSF":"0.00",
    "RollingReserveReturns":"0.00",
    "AvailableBalance":"0.00"
  },
  "Currency": "CAD",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Data Enrichment

{
  "Success": true,
  "EventID": "5576",
  "Status": "successful",
  "ID": "a022ff77a55e6d00bf271a2b36c65a26600a1a24",
  "Event": "dataenrichment",
  "AccountID": "testuser",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Transaction Group

{
  "Success": true,
  "EventID": "5576",
  "Status": "completed",
  "ID": "3297",
  "Event": "transactiongroup",
  "CollectedAmount":122317.82,
  "FailedAmount":122317.82,
  "ProcessedAmount":122317.82,
  "SubmittedAmount":"122317.82",
  "AccountID":"testuser",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Client Account Verification

{
  "Success": true,
  "EventID": "5576",
  "Status": "complete",
  "ID": "Account_1234",
  "Event": "clientaccountverification",
  "AccountID": "testuser",
  "Message": "Client Account ClientAccount_1234 verification status updated to complete",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Client Account Information Complete

{
  "Success": true,
  "EventID": "5576",
  "Status": "Active",
  "ID": "Account_1234",
  "Event": "clientaccountinformationcomplete",
  "AccountID": "testuser",
  "Message": "Client Account ClientAccount_1234 has completed the information process and is now active.",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Payment Received

{
  "Success": true,
  "EventID": "5576",
  "Status": "complete",
  "ID": "4734",
  "Event": "paymentreceived",
  "TransactionAmount": "14.76",
  "TransactionDate": "2023-10-10 15:14:15",
  "TransactionCurrency": "EUR",
  "ClientReferenceNumber": "ABC97112731",
  "TransactionID": "9684",
  "Notes": "Incoming payment for Virtual Account ID 123",
  "AccountID": "testuser",
  "SenderName": "John Doe",
  "SenderIBAN": "DE89370400440532013000",
  "SenderAccountNumber": "123456789",
  "SenderRoutingNumber": "DEUTDEDB",
  "SenderFinancialInstitution": "DEUTDEDB",
  "SenderAddress1": "123 Main St",
  "SenderAddress2": "Suite 100",
  "SenderAddress3": "Berlin",
  "ReceiverName": "Jane Smith",
  "ReceiverIBAN": "GB29NWBK60161331926819",
  "ReceiverAccountNumber": "31926819",
  "ReceiverRoutingNumber": "NWBKGB2L",
  "ReceiverFinancialInstitution": "NWBKGB2L",
  "ReceiverAddress1": "456 Business Ave",
  "ReceiverAddress2": "Floor 3",
  "ReceiverAddress3": "London",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Virtual Transaction

{
  "Success": true,
  "EventID": "5576",
  "Status": "successful",
  "ID": "4734",
  "Event": "virtualtransaction",
  "TransactionDate": "2023-10-10 15:14:15",
  "Amount": "14.76",
  "AccountID": "testuser",
  "ClientAccountID": "ClientAccount_1234",
  "TransactionType": "funding",
  "AvailableBalance": "1234.56",
  "UpdatedAt": "2023-10-10 15:14:15",
  "ValidationKey": "98b6be5d44fd6396da2e2a8ecaa6b5241482ba03",
  "Environment": "Production"
}

Virtual Account Creation

{
  "Success": true,
  "EventID": "3079336",
  "Status": "created",
  "ID": "37",
  "Event": "virtualaccountcreated",
  "AccountID": "testuser",
  "VirtualAccountID": "37",
  "AccountNumber": "0025722431",
  "Currency": "EUR",
  "IBAN": "LU684080000025722431",
  "AccountHolderName": "EuroCurrencyAccount",
  "UpdatedAt": "2026-02-07 18:36:03",
  "ValidationKey": "12c9309a7f17d288f3a49221ec3ff0c01a13acde",
  "Environment": "Production"
}

Blocked Account Status Change

{
  "Success": true,
  "EventID": "3079336",
  "Status": "blocked",
  "ID": "Account_1234",
  "Event": "accountblocked",
  "AccountID": "Account_1234",
  "BlockedAccountStatus": "blocked",
	"BlockedAccountMessage": "Account has been unblocked. Outbound payment rails have been enabled."
  "UpdatedAt": "2026-02-07 18:36:03",
  "ValidationKey": "12c9309a7f17d288f3a49221ec3ff0c01a13acde",
  "Environment": "Production"
}