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Example of Webhooks for ACH

Payment Completed

For more information on Payment Completed Request and Response, see Payment Completed.

Webhook Payload

{
"payload": {
"accountId": "1001364120",
"id": "aa221d83-d579-4f14-9cd7-a64723447cfc",
"merchantRefNum": "rkollu-purchase",
"amount": 6001,
"currencyCode": "USD",
"gatewayReconciliationId": "144465230",
"status": "COMPLETED",
"paymentType": "ACH",
"txnTime": "2024-06-13T13:10:50Z",
"statusTime": "2024-06-13T13:10:50Z",
"processorCode": "HAR",
"dueDate": "2024-06-13T13:10:50Z",
"billingDetails": {
"zip": "M5H2N2",
"country": "CA",
"city": "Toronto",
"phone": "9677074268",
"street1": "123 Street1",
"state": "ON"
},
"profile": {
"firstName": "Ra",
"lastName": "one",
"phone": "9677074268",
"email": "Ratwo1@canada.com"
},
"customerIp": "700.0.0.0.0",
"settleWithAuth": true,
"ach": {
"routingNumber": "021000089",
"payMethod": "CCD",
"accountType": "SAVINGS",
"lastDigits": "6321",
"accountHolderName": "ACH HAR AcctHName1",
"paymentDescriptor": "rkolluRest-2",
"payMethodDescription": "Cash Concentration or Disbursement"
},
"settlementId": "aa221d83-d579-4f14-9cd7-a64723447cfc",
"settlementAmount": 6001,
"settlementStatus": "PENDING"
},
"attemptNumber": "1",
"type": "PAYMENT",
"eventDate": "2024-06-13T13:10:50Z",
"eventName": "PAYMENT_COMPLETED"
}

Settlement Cleared

The Settlement Cleared webhook will be triggered on the 6th business day after the settlement is completed, thus merchants need to wait till the clearing date.

  1. Initiate transaction with the request in Payment Completed event.
  2. Merchants to test in Netbanx and wait for a SQL block to execute and clear the transactions in few hours until they receive a webhook for Settlement Cleared.

For more information on Settlement Cleared Request and Response, see Settlement Cleared.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "47c0d2ad-984d-485c-abb4-d8e833a1d9a4",
"merchantRefNum": "59332409",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"statusTime": "2022-03-09T10:33:22Z",
"paymentType": "ACH",
"txnTime": "2022-03-03T05:33:22Z",
"processorCode": "HAR"
},
"attemptNumber": "1",
"type": "SETTLEMENT",
"eventDate": "2022-03-03T05:33:22Z",
"eventName": "SETTLEMENT_CLEARED"
}

Settlement Cancelled

  1. Initiate the transaction with the request payload in Payment Completed
  2. Copy the id from Payment Completed response and send that as a path variable in the below request

For more information on Settlement Cancelled Request and Response, see Settlement Cancelled.

Webhook Payload

{
"payload": {
"accountId": "1002397300",
"id": "90503900",
"merchantRefNum": "MerchantRefSepaCharge",
"amount": 1835,
"currencyCode": "EUR",
"status": "CANCELLED",
"statusTime": "2022-03-23T11:20:23Z",
"paymentType": "SEPA",
"txnTime": "2022-03-23T07:18:35Z",
"processorCode": "JPMCS"
},
"attemptNumber": "1",
"type": "SETTLEMENT",
"eventDate": "2022-03-23T07:18:35Z",
"eventName": "SETTLEMENT_CANCELLED"
}

Payment Returned

  1. Perform any transaction using the server to server method and save the transaction ID returned in the response.
  2. Login to the TEST netbanx portal and click Reports.
  3. Select Payment Method as DirectDebit and search with Transaction_Id and click Go to open transaction details.
  4. Click Update Status in the History Section.
  5. Select Rejected with valid descriptions and Submit (Transaction will change to Returned status)

Once the Publish event job runs as scheduled, we will get the webhook for Payment_Returned.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "2f1b9d53-1342-4131-aea8-32f7c0e128bb",
"merchantRefNum": "325053904",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"paymentType": "ACH",
"txnTime": "2022-03-03T12:29:10Z",
"statusTime": "2022-03-03T12:29:10Z",
"processorCode": "HAR",
"paymentId": "18d79be6-e5cf-4033-ae33-3a70718fadc7",
"settlementId": "18d79be6-e5cf-4033-ae33-3a70718fadc7",
"bankResponse": {
"scheme": "ACH",
"name": "Harris Bank",
"reasonCode": "R01",
"message": "test"
},
"reason": "No Funds"
},
"attemptNumber": "1",
"type": "PAYMENT_RETURN",
"eventDate": "2022-03-03T12:29:10Z",
"eventName": "PAYMENT_RETURN_COMPLETED"
}

Settlement Completed

This event will trigger when you move the transaction status to payment_returned in the netbanx portal. The steps are the same as for Payment_Return_Completed.

Webhook Payload

{
"payload": {
"accountId": "1019944290",
"id": "5202de9d-6526-4a80-8019-1979678b7a81",
"merchantRefNum": "329110501",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"statusTime": "2022-03-08T15:16:06Z",
"paymentType": "ACH",
"txnTime": "2022-03-08T09:57:48Z",
"processorCode": "HAR"
},
"attemptNumber": "1",
"type": "SETTLEMENT",
"eventDate": "2022-03-08T09:57:48Z",
"eventName": "SETTLEMENT_COMPLETED"
}

Payment Failed

For further assistance with your test account configuration, contact partnersupport@paysafe.com.

For more information on Payment Failed Response, see Payment Failed.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "e220e8ca-533e-4cd6-bf92-9f3365186bb6",
"merchantRefNum": "370606375",
"amount": 12345,
"currencyCode": "USD",
"status": "FAILED",
"paymentType": "ACH",
"txnTime": "2022-03-03T12:34:43Z",
"statusTime": "2022-03-03T12:34:43Z",
"processorCode": "HAR",
"dueDate": "2022-03-03T12:34:43Z",
"error": {
"code": "5040",
"message": "Your merchant account is not configured for the transaction you attempted"
},
"billingDetails": {
"zip": "M5H2N2",
"country": "CA",
"city": "Toronto",
"street1": "123 Street1",
"state": "ON"
},
"profile": {
"firstName": "Joe",
"lastName": "Smith",
"email": "Joe.Smith@canada.com"
},
"customerIp": "204.91.0.11",
"settleWithAuth": true,
"ach": {
"routingNumber": "888999890",
"payMethod": "PPD",
"accountType": "SAVINGS",
"lastDigits": "90",
"accountHolderName": "ACH HAR AcctHName",
"paymentDescriptor": "payment dtr",
"payMethodDescription": "Prearranged Payment Deposit Entry"
}
},
"attemptNumber": "1",
"type": "PAYMENT",
"eventDate": "2022-03-03T12:34:43Z",
"eventName": "PAYMENT_FAILED"
}

Settlement Pending

Example of Webhooks for ACH webhook contains settlement pending information as well.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "47c0d2ad-984d-485c-abb4-d8e833a1d9a4",
"merchantRefNum": "59332409",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"paymentType": "ACH",
"txnTime": "2022-03-03T10:33:22Z",
"statusTime": "2022-03-03T10:33:22Z",
"processorCode": "HAR",
"dueDate": "2022-03-03T10:33:22Z",
"billingDetails": {
"zip": "M5H2N2",
"country": "CA",
"city": "Toronto",
"street1": "123 Street1",
"state": "ON"
},
"profile": {
"firstName": "Joe",
"lastName": "Smith",
"email": "Joe.Smith@canada.com"
},
"customerIp": "204.91.0.11",
"settleWithAuth": true,
"ach": {
"routingNumber": "888999890",
"payMethod": "PPD",
"accountType": "SAVINGS",
"lastDigits": "90",
"accountHolderName": "ACH HAR AcctHName",
"paymentDescriptor": "payment dtr",
"payMethodDescription": "Prearranged Payment Deposit Entry"
},
"settlementId": "47c0d2ad-984d-485c-abb4-d8e833a1d9a4",
"settlementAmount": 12345,
"settlementStatus": "PENDING"
},
"attemptNumber": "1",
"type": "PAYMENT",
"eventDate": "2022-03-03T10:33:22Z",
"eventName": "PAYMENT_COMPLETED"
}

StandAlone Credit Pending

For more information on StandaAlone Credit Pending Request and Response, see StandaAlone Credit Pending.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "302fc0a5-e992-4815-8193-0c31f36d5979",
"merchantRefNum": "280405714",
"amount": 12345,
"currencyCode": "USD",
"status": "PENDING",
"paymentType": "ACH",
"txnTime": "2022-03-03T13:08:19Z",
"statusTime": "2022-03-03T13:08:19Z",
"processorCode": "HAR",
"dueDate": "2022-03-03T13:08:19Z",
"ach": {
"routingNumber": "888999890",
"payMethod": "PPD",
"accountType": "SAVINGS",
"lastDigits": "90",
"accountHolderName": "ACH HAR AcctHName",
"paymentDescriptor": "payment dtr",
"payMethodDescription": "Prearranged Payment Deposit Entry"
},
"customerIp": "204.91.0.11",
"billingDetails": {
"zip": "M5H2N2",
"country": "CA",
"city": "Toronto",
"street1": "123 Street1",
"state": "ON"
},
"profile": {
"firstName": "Joe",
"lastName": "Smith",
"email": "Joe.Smith@canada.com"
}
},
"attemptNumber": "1",
"type": "SA_CREDIT",
"eventDate": "2022-03-03T13:08:19Z",
"eventName": "SA_CREDIT_PENDING"
}

StandAlone Credit Completed

Create standAloneCredit and wait till hourly job run (pending transaction status change to Completed)

For more information on StandaAlone Credit Completed Request and Response, see StandaAlone Credit Completed.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "e762a2f8-5438-4967-997e-00151ff487ba",
"merchantRefNum": "248369434",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"paymentType": "ACH",
"txnTime": "2022-03-03T08:00:57Z",
"statusTime": "2022-03-03T13:00:57Z",
"processorCode": "HAR"
},
"attemptNumber": "1",
"type": "SA_CREDIT",
"eventDate": "2022-03-03T08:00:57Z",
"eventName": "SA_CREDIT_COMPLETED"
}

StandAlone Credit Returned

  1. Perform StandAlone Credit transaction using the server to server method and save the transaction ID returned in the response.
  2. Login to the TEST netbanx portal and click Reports.
  3. Select Payment Method as DirectDebit and search with Transaction_Id and click Go to open transaction details.
  4. Click Update status in the History section.
  5. Select Rejected with valid descriptions and Submit. (Transaction will change to Returned status)

Once the scheduled Publish event job runs, we will receive the webhook for Payment_Returned.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "f26fffd2-6e3a-461a-9760-156fe96a5420",
"merchantRefNum": "248369434",
"amount": 12345,
"currencyCode": "USD",
"status": "COMPLETED",
"processorCode": "HAR",
"paymentType": "ACH",
"txnTime": "2022-03-03T13:19:00Z",
"statusTime": "2022-03-03T13:19:00Z",
"bankResponse": {
"scheme": "ACH",
"name": "Harris Bank",
"reasonCode": "R01",
"message": "TEST"
},
"reason": "No Funds",
"standaloneCreditId": "e762a2f8-5438-4967-997e-00151ff487ba"
},
"attemptNumber": "1",
"type": "SA_CREDIT_RETURN",
"eventDate": "2022-03-03T13:19:00Z",
"eventName": "SA_CREDIT_RETURN_COMPLETED"
}

StandAlone Credit Failed

For further assistance with your test account configuration, partnersupport@paysafe.com.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "057cf17b-9503-4071-a10a-6fc93ea8770b",
"merchantRefNum": "325206225",
"amount": 12345,
"currencyCode": "USD",
"status": "FAILED",
"paymentType": "ACH",
"txnTime": "2022-03-03T13:02:02Z",
"statusTime": "2022-03-03T13:02:02Z",
"processorCode": "HAR",
"dueDate": "2022-03-03T13:02:02Z",
"ach": {
"routingNumber": "888999890",
"payMethod": "PPD",
"accountType": "SAVINGS",
"lastDigits": "90",
"accountHolderName": "ACH HAR AcctHName",
"paymentDescriptor": "payment dtr",
"payMethodDescription": "Prearranged Payment Deposit Entry"
},
"error": {
"code": "5040",
"message": "Your merchant account is not configured for the transaction you attempted"
},
"customerIp": "204.91.0.11",
"billingDetails": {
"zip": "M5H2N2",
"country": "CA",
"city": "Toronto",
"street1": "123 Street1",
"state": "ON"
},
"profile": {
"firstName": "Joe",
"lastName": "Smith",
"email": "Joe.Smith@canada.com"
}
},
"attemptNumber": "1",
"type": "SA_CREDIT",
"eventDate": "2022-03-03T13:02:02Z",
"eventName": "SA_CREDIT_FAILED"
}

StandAlone Credit Cancelled

For more information on StandaAlone Credit Cancelled Request and Response, see StandaAlone Credit Cancelled.

Webhook Payload

{
"payload": {
"accountId": "1002361940",
"id": "14c55783-377f-446d-b139-736e5805d1c3",
"merchantRefNum": "494519888",
"amount": 12345,
"currencyCode": "USD",
"status": "CANCELLED",
"paymentType": "ACH",
"txnTime": "2022-03-03T13:43:23Z",
"statusTime": "2022-03-03T13:44:06Z",
"processorCode": "HAR",
"dueDate": "2022-03-03T13:43:23Z",
"customerIp": "204.91.0.11"
},
"attemptNumber": "1",
"type": "SA_CREDIT",
"eventDate": "2022-03-03T13:43:23Z",
"eventName": "SA_CREDIT_CANCELLED"
}