Webhooks

Use webhooks to enable Zai to push real-time notifications to your application.

❗️

Important

We plan to deprecate our callbacks service. Until this is complete, please ensure that you register object types in both callbacks and webhooks within the Pre-live environment. Also note that if you're not getting any callbacks or webhooks, check that the object types are registered and enabled.

📘

Coming soon

Credit card and direct debit transactions within the UK are not yet available.

Webhooks are an improved version of the legacy implementation, callbacks, designed to provide your platform with enhanced features such as automated retries and self-service options.

An example of our webhooks is if an Item changes state because we have processed a Direct Debit/ACH payment, we will POST a JSON payload with the Item object attributes to the URL provided. These notifications are classified as webhooks jobs which will be sent out once actual changes are done within the platform.

Similar to callbacks, webhooks also allow you to initiate dependent processes or notifications based on updates from Zai. In the event that a webhook job fails to be sent, the new retry capability built as part of this service will be responsible for resending the said failed webhook job for up to 24 hours with an exponential backoff capability.
For more information on webhook security and the retry feature, see Best Practices for Webhooks.

Prerequisites

Before using these APIs please ensure you have implemented and migrated over to our OAuth authentication framework.

Types of webhooks

Only one webhook can be enabled for an object type. Each of these webhooks will return the response of the ‘Show’ of that object. For example, a webhook for Items will return the GET /items/:id response.

📘

Webhooks are not set up for every customer

Also, note that you do not register for each item transaction. You should register a webhook for any change to the state of all item transactions that you wish to monitor.

Webhooks (object_type)TriggersExamples
Items
items
Any data changes for that Item. Typically used whenever the state of the object changes.Checking that an Item has had a payment made

Checking if a payment has been held

Checking if a payment has been refunded
Users
users
Any data changes for that User. Typically used whenever the state of the object changes.Checking when a user’s KYC state has been approved

Checking if a user has been 'KYC held'
Batch Transactions
batch_transactions
On creation of any Batch Transactions and whenever the state changes.Checking the status of a direct debit/ACH payment

Checking the details of a disbursement for a User or Item
Accounts
accounts
When the state or enabled status of an account changes. This includes creating one and covers all types of accounts (bank, card, wallets...etc). No data can be changed on an existing account.Checking if a bank account has invalid details, received after a failed disbursement
Transactions
transactions
On creation of any Transactions and whenever the state changes.Checking that a transaction has been created for a wallet account payment
Disbursements
disbursements
On creation of any disbursement.Checking that payout has been created for a seller or platform disbursement account
Companies
companies
On creation or change of a company.Checking if a company's details have changed
Virtual Accounts (Australia)
virtual_accounts
When the virtual account status changes from pending_activation to active
or
pending_activation to activation_failed.
Checking if a virtual account's status has changed
PayIDs (Australia)
pay_ids
When the PayID status changes from pending_activation to active
or
pending_activation to activation_failed.
Checking if PayID status has changed
PayTo Agreements (Australia)
payto_agreements
Triggered whenever the agreement status changes as below:
- pending_creation -> created (AUPM agreements)
- created -> active (AUPM agreements)
-pending_creation -> active (MGCR agreements)
-pending_creation -> creation_failed
- created -> cancelled
- active -> suspended
- suspended -> active
- suspended -> cancelled
- active -> cancelled
This notification is triggered whenever the agreement status changes.
Example - When the payer approves/rejects the agreement via their banking portal, Zai would notify you about the same.
PayTo Payment Initiation Request (Australia)
payto_payments
Triggered whenever the payment initiation request status changes as below:
- pending_payment_initiation -> payment_initiation_completed
- pending_payment_initiation
-> payment_initiation_rejected
- payment_initiated -> payment_initiation_completed
- payment_initiated -> payment_initiation_rejected
This notification is triggered whenever the payment initiation request status changes
Example - when the payment initiation requested has been cleared and settled with the payer bank
Transaction Failure Advice
transaction_failure_advice
Triggered whenever funds have been debited from the payer's bank account, however, failed to be matched with the payer's digital wallet in Zai.This notification is triggered whenever reconciliation of funds (received via PayTo) fails on user's wallet

Example - when the user is in held status in Zai due to any reason

Steps to receive webhooks

  1. Decide which objects you'll want to be notified of and monitor.
  2. Create the required webhook configuration for each object and specify URLs to be used on your local server (where notifications will be received).
  3. Handle requests received from Zai. Process the payload from the notifications and ensure they return the proper response status code.
  4. Ensure that the objects are also created in callbacks.

Create a webhook

Refer to the API to create webhooks within Zai. Pass a valid HTTPS URL that will accept a POST request. This URL will receive a POST call when the webhook object is triggered. When creating a webhook object, the URL provided will be sent a test JSON payload and will only be successfully created if the response created is successful.

The output of the test you will receive from us is:

{ message: 'Zai callback test'}

Trigger webhooks

To trigger a webhook, update the object you have created a webhook for. An example of this would be to Make Payment for an Item (if the webhook you created was for an Item).

List webhook jobs

Use List jobs to view a list of the triggers for the Webhooks you created. Each time the Webhook is triggered, a response will be added.
You may now search for webhook jobs that failed to be delivered within your platform by just adding a new field “status” as part of the request payload and setting its value to failed.

Verify retry attempt for a webhook job

Use the GET jobs associated to Webhook to view a specific webhooks jobs record, within the response payload includes a request_response section which contains retry attempts done for the said job together with its status. This is in asynchronous mode which may not immediately reflect the recent retry attempt.

Webhooks by payment

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Please note

We can’t guarantee the order of delivery for the following webhook examples.

You can check a webhook payload’s updated_at field to determine whether the data is newer or older than the data that you currently have stored in your system.

For example, when receiving a Users webhook payload, you could compare your own data against the users.updated_at field. Similarly, when receiving a Batch Transactions webhook payload, you could compare your own data against the batch_transactions.updated_at field.

PaymentExample 1Example 2Example 3
Direct Credit Payoutbatch_transactions:
-type: disbursement
-type_method: direct_credit
-state: batched
batch_transactions:
-type: disbursement
-type_method: direct_credit
-state: bank_processing
batch_transactions:
-type: disbursement
-type_method: direct_credit
-state: successful OR invalid_account_details
BPAY Payout (Australia)batch_transactions:
-type: disbursement
-type_method: bpay
-state: bank_processing
batch_transactions:
-type: disbursement
-type_method: bpay
-state: successful OR invalid_account_details
Realtime Payout (Australia)disbursements:
-state: successful
or
-state: cancelled
-npp_payout_state: failed
Card Payin (Australia)transactions:
-type: payment
-type_method: credit_card
-state: successful
-account_id: item.id
-account_type: item
-related.transactions.id: transactions.id (this one)
-related.transactions.account_id: card account id
-related.transactions.account_type: card_account
-
related.transactions.user_id: user id of the buyer
This will be received once the funds have been settled to the seller/payees wallet

batch_transactions:
-type: payment_funding
-type_method: credit_card
-state: successful
-account_id: item.id
-account_type: item
-related.account_to.id: account if of the wallet
-related.account_to.account_type: wallet_account
Direct Debit Payin (Australia)batch_transactions:
-type: payment
-type_method: direct_debit
-account_id: user.bank_account_id
-account_type: bank_account
-related.account_to.id: item.id
-related.account_to.account_type: item
-state: batched
batch_transactions:
-type: payment
-type_method: direct_debit
-account_id: user.bank_account_id
-account_type: bank_account
-related.account_to.id: item.id
-related.account_to.account_type: item
-state: bank_processing
batch_transactions:
-type: payment
-type_method: direct_debit
-account_id: user.bank_account_id
-account_type: bank_account
-related.account_to.id: item.id
-related.account_to.account_type: item
-state: successful OR invalid_account_details
BPAY Payin (Australia)batch_transactions:
-type: bpay
-type_method: bpay
-state: bpay_pending
These will be received once the funds have been settled to the wallet

batch_transactions:
-type: bpay
-type_method: bpay
-state: successful

AND

transactions:
-type: deposit
-type_method: bpay
-state: successful
NPP Payin (Australia)transactions:
-type: deposit
-type_method: npp_payin
-state: successful
Direct Credit Payintransactions:
-type: deposit
-type_method: direct_credit
-state: successful
Wallet to Item Transfertransactions:
-type: payment
-type_method: wallet_account_transfer
-state: successful

Examples

Transactions object

NPP Payin via PayID and CRN (Australia)
type: deposit
type_method: npp_payin

{
    "transactions": {
        "id": "49f1cb10-0202-0138-225b-028e897a70a5",
        "created_at": "2019-12-16T07:19:14.966Z",
        "updated_at": "2019-12-16T07:19:14.968Z",
        "description": "Credit of $100,000.00 to Wallet Account by Debit of $100,000.00 from NPP Payin Funding Account",
        "payee_name": "ASSEMBLY TEST",
        "type": "deposit",
        "type_method": "npp_payin",
        "state": "successful",
        "user_id": "449416d8-ec3c-4c0b-a326-e2cfaadaa3a6",
        "user_name": "Neol Buyer",
        "account_id": "89290ee0-7510-0137-fdc6-06502c58c658",
        "account_type": "wallet_account",
        "amount": 10000000,
        "currency": "AUD",
        "debit_credit": "credit",
        "marketplace": {
            "group_name": null,
            "name": "Assembly Production",
            "short_name": null,
            "uuid": "cbec69ee-2153-4ac0-940c-cca51a0ff2e8"
        },
        "related": {
            "transactions": [{
                "id": "49f1b7f0-0202-0138-1aab-028e897a70a5",
                "account_id": "7cfcf2ac-f274-4793-a47c-08c8bc82234f",
                "account_type": "npp_payin_account",
                "user_id": "449416d8-ec3c-4c0b-a326-e2cfaadaa3a6"
            }]
        },
        "payin_details": {
            "debtor_name": "ASSEMBLY TEST",
            "debtor_legal_name": "ASSEMBLY TEST",
            "debtor_bsb": "098765",
            "debtor_account": "09876512345678",
            "clearing_system_transaction_id": "CTBAAUSNXXXN20191216050126353211111",
            "remittance_information": "100014014111111",
            "pay_id": "[email protected]",
            "pay_id_type": "/EMAL",
            "end_to_end_id": "NOTPROVIDED",
            "npp_payin_internal_id": "5ce94260-1fd4-11ea-bc20-efacc9a3e552"
        },
        "links": {
            "self": null,
            "users": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/users",
            "fees": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/fees",
            "wallet_accounts": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/wallet_accounts",
            "card_accounts": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/card_accounts",
            "paypal_accounts": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/paypal_accounts",
            "bank_accounts": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/bank_accounts",
            "items": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/items",
            "marketplaces": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/marketplaces",
            "npp_payin_transaction_detail": "/transactions/49f1cb10-0202-0138-225b-028e897a70a5/npp_payin_transaction_detail"
        }
    }
}

NPP Payin via Virtual Account BSB and Account Number (Australia)
type: deposit
type_method: npp_payin

{
  "transactions": {
    "id": "4fe213f0-a4a1-0139-7adf-0a58a9feac03",
    "created_at": "2021-06-01T00:50:40.960Z",
    "updated_at": "2021-06-01T00:50:40.965Z",
    "description": "Credit of $1.00 to Wallet Account by Debit of $1.00 from NPP Payin Funding Account",
    "payee_name": null,
    "type": "deposit",
    "type_method": "npp_payin",
    "state": "successful",
    "user_id": "buyer-1052152410015",
    "user_name": "Neol Buyer",
    "account_id": "3bf86450-a498-0139-7556-0a58a9feac03",
    "account_type": "wallet_account",
    "amount": 100,
    "currency": "AUD",
    "debit_credit": "credit",
    "marketplace": {
      "group_name": null,
      "name": "platform neol 1622181174",
      "short_name": null,
      "uuid": "87094560-9fad-4ade-945b-d048507ac966"
    },
    "related": {
      "transactions": [
        {
          "id": "4fe207a0-a4a1-0139-0e02-0a58a9feac03",
          "account_id": "9d414fe1-3668-4ce6-8fa8-ddb80fc8ab43",
          "account_type": "npp_payin_account",
          "user_id": "buyer-1052152410015",
          "user_name": "Neol Buyer"
        }
      ]
    },
    "payin_details": null,
    "links": {
      "self": null,
      "users": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/users",
      "fees": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/fees",
      "wallet_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/wallet_accounts",
      "card_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/card_accounts",
      "paypal_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/paypal_accounts",
      "bank_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/bank_accounts",
      "items": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/items",
      "marketplaces": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/marketplaces",
      "npp_payin_transaction_detail": null,
      "supplementary_data": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/supplementary_data"
    }
  }
}

NPP Payin via PayID (associated with user's virtual account) (Australia)
type: deposit
type_method: npp_payin

{
  "transactions": {
    "id": "4fe213f0-a4a1-0139-7adf-0a58a9feac03",
    "created_at": "2021-06-01T00:50:40.960Z",
    "updated_at": "2021-06-01T00:50:40.965Z",
    "description": "Credit of $1.00 to Wallet Account by Debit of $1.00 from NPP Payin Funding Account",
    "payee_name": null,
    "type": "deposit",
    "type_method": "npp_payin",
    "state": "successful",
    "user_id": "buyer-1052152410015",
    "user_name": "Neol Buyer",
    "account_id": "3bf86450-a498-0139-7556-0a58a9feac03",
    "account_type": "wallet_account",
    "amount": 100,
    "currency": "AUD",
    "debit_credit": "credit",
    "marketplace": {
      "group_name": null,
      "name": "platform neol 1622181174",
      "short_name": null,
      "uuid": "87094560-9fad-4ade-945b-d048507ac966"
    },
    "related": {
      "transactions": [
        {
          "id": "4fe207a0-a4a1-0139-0e02-0a58a9feac03",
          "account_id": "9d414fe1-3668-4ce6-8fa8-ddb80fc8ab43",
          "account_type": "npp_payin_account",
          "user_id": "buyer-1052152410015",
          "user_name": "Neol Buyer"
        }
      ]
    },
    "payin_details": null,
    "links": {
      "self": null,
      "users": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/users",
      "fees": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/fees",
      "wallet_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/wallet_accounts",
      "card_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/card_accounts",
      "paypal_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/paypal_accounts",
      "bank_accounts": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/bank_accounts",
      "items": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/items",
      "marketplaces": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/marketplaces",
      "npp_payin_transaction_detail": null,
      "supplementary_data": "/transactions/4fe213f0-a4a1-0139-7adf-0a58a9feac03/supplementary_data"
    }
  }
}

DE Payin via Virtual Account BSB and Account Number (Australia)
type: deposit
type_method: direct_credit

{
  "transactions": {
    "id": "6eaf2790-a4a1-0139-b8b5-0a58a9feac03",
    "created_at": "2021-06-01T00:51:32.636Z",
    "updated_at": "2021-06-01T00:51:32.640Z",
    "description": "Credit of $1.00 to Wallet Account by Debit of $1.00 from Direct Entry Funding Account",
    "payee_name": null,
    "type": "deposit",
    "type_method": "direct_credit",
    "state": "successful",
    "user_id": "buyer-1052152410015",
    "user_name": "Neol Buyer",
    "account_id": "3bf86450-a498-0139-7556-0a58a9feac03",
    "account_type": "wallet_account",
    "amount": 100,
    "currency": "AUD",
    "debit_credit": "credit",
    "marketplace": {
      "group_name": null,
      "name": "platform neol 1622181174",
      "short_name": null,
      "uuid": "87094560-9fad-4ade-945b-d048507ac966"
    },
    "related": {
      "transactions": [
        {
          "id": "6eaf1a30-a4a1-0139-564a-0a58a9feac03",
          "account_id": "1d6bb590-0c51-0139-5acb-0a58a9feac2a",
          "account_type": "de_payin_account",
          "user_id": "buyer-1052152410015",
          "user_name": "Neol Buyer"
        }
      ]
    },
    "links": {
      "self": null,
      "users": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/users",
      "fees": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/fees",
      "wallet_accounts": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/wallet_accounts",
      "card_accounts": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/card_accounts",
      "paypal_accounts": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/paypal_accounts",
      "bank_accounts": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/bank_accounts",
      "items": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/items",
      "marketplaces": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/marketplaces",
      "npp_payin_transaction_detail": null,
      "supplementary_data": "/transactions/6eaf2790-a4a1-0139-b8b5-0a58a9feac03/supplementary_data"
    }
  }
}

type: deposit
type_method: bpay (Australia)

{
    "transactions": {
        "id": "c7dfc660-01d5-0138-f9ed-0292c5a1dee7",
        "created_at": "2019-12-16T02:00:38.884Z",
        "updated_at": "2019-12-16T02:00:38.886Z",
        "description": "Credit of $1,153.46 to Wallet Account by Debit of $1,153.46 from BPAY Funding Account",
        "payee_name": null,
        "type": "deposit",
        "type_method": "bpay",
        "state": "successful",
        "user_id": "c934dc1e-a646-4972-b1c4-ef0f77337298",
        "user_name": "Neol Buyer",
        "account_id": "d92296c0-8f32-0137-95dd-06ddcda9b4cc",
        "account_type": "wallet_account",
        "amount": 115346,
        "currency": "AUD",
        "debit_credit": "credit",
        "marketplace": {
            "group_name": null,
            "name": "Assembly Production",
            "short_name": null,
            "uuid": "7e2f32da-eaaf-41b0-b31d-1a79823de1cf"
        },
        "related": {
            "transactions": [{
                "id": "c7dfb260-01d5-0138-73ca-0292c5a1dee7",
                "account_id": null,
                "account_type": "bpay_funding_account",
                "user_id": "d5556ed140a90e9fe23575f7e2191072"
            }]
        },
        "links": {
            "self": null,
            "users": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/users",
            "fees": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/fees",
            "wallet_accounts": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/wallet_accounts",
            "card_accounts": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/card_accounts",
            "paypal_accounts": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/paypal_accounts",
            "bank_accounts": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/bank_accounts",
            "items": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/items",
            "marketplaces": "/transactions/c7dfc660-01d5-0138-f9ed-0292c5a1dee7/marketplaces",
            "npp_payin_transaction_detail": null
        }
    }
}

type: payment
type_method: wallet_account_transfer

{
    "transactions": {
        "id": "153a9210-01ea-0138-5352-06c7c110a877",
        "created_at": "2019-12-16T04:25:58.599Z",
        "updated_at": "2019-12-16T04:25:58.663Z",
        "description": "Debit of $1,080.00 from Wallet Account for Credit of $1,080.00 to Item",
        "payee_name": null,
        "type": "payment",
        "type_method": "wallet_account_transfer",
        "state": "successful",
        "user_id": "449416d8-ec3c-4c0b-a326-e2cfaadaa3a6",
        "user_name": "Neol Buyer",
        "account_id": "89290ee0-7510-0137-fdc6-06502c58c658",
        "account_type": "wallet_account",
        "amount": 108000,
        "currency": "AUD",
        "debit_credit": "debit",
        "marketplace": {
            "group_name": null,
            "name": "Assembly Production",
            "short_name": null,
            "uuid": "cbec69ee-2153-4ac0-940c-cca51a0ff2e8"
        },
        "related": {
            "transactions": [{
                "id": "153aada0-01ea-0138-9944-06c7c110a877",
                "account_id": "16017",
                "account_type": "item",
                "user_id": "9e9f44d19d65d92ca7ca3b777f9d270e"
            }]
        },
        "links": {
            "self": null,
            "users": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/users",
            "fees": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/fees",
            "wallet_accounts": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/wallet_accounts",
            "card_accounts": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/card_accounts",
            "paypal_accounts": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/paypal_accounts",
            "bank_accounts": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/bank_accounts",
            "items": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/items",
            "marketplaces": "/transactions/153a9210-01ea-0138-5352-06c7c110a877/marketplaces",
            "npp_payin_transaction_detail": null
        }
    }
}

type: disbursement
type_method: direct_credit

{
    "transactions": {
        "id": "70308b80-01e6-0138-f122-0604ddcc546b",
        "created_at": "2019-12-16T03:59:53.227Z",
        "updated_at": "2019-12-16T03:59:53.267Z",
        "description": "Debit of $637.83 from Wallet Account for Credit of $637.83 to Bank Account",
        "payee_name": null,
        "type": "disbursement",
        "type_method": "direct_credit",
        "state": "successful",
        "user_id": "14461",
        "dynamic_descriptor": null,
        "account_id": "68cd4ef0-01e6-0138-52c2-0604ddcc546b",
        "account_type": "wallet_account",
        "amount": 63783,
        "currency": "AUD",
        "debit_credit": "debit",
        "marketplace": {
            "group_name": null,
            "name": "Assembly Production",
            "short_name": null,
            "uuid": "cbec69ee-2153-4ac0-940c-cca51a0ff2e8"
        },
        "related": {
            "transactions": [{
                "id": "703167c0-01e6-0138-87d6-0604ddcc546b",
                "account_id": "69b55d90-01e6-0138-6255-0604ddcc546b",
                "account_type": "bank_account",
                "user_id": "14461"
            }]
        },
        "links": {
            "self": null,
            "users": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/users",
            "fees": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/fees",
            "wallet_accounts": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/wallet_accounts",
            "card_accounts": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/card_accounts",
            "paypal_accounts": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/paypal_accounts",
            "bank_accounts": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/bank_accounts",
            "items": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/items",
            "marketplaces": "/transactions/70308b80-01e6-0138-f122-0604ddcc546b/marketplaces",
            "npp_payin_transaction_detail": null
        }
    }
}

Items object

{
    "items": {
        "id": "75d07055-5141-4729-a26a-31875e45d7cc",
        "name": "Assembly test transaction",
        "description": null,
        "custom_descriptor": "Assembly test transaction",
        "payout_descriptor": null,
        "created_at": "2019-12-16T03:10:49.872Z",
        "updated_at": "2019-12-16T03:10:49.872Z",
        "state": "pending",
        "net_amount": 55000,
        "chargedback_amount": 0,
        "refunded_amount": 0,
        "released_amount": 0,
        "seller_url": "",
        "buyer_url": "",
        "remaining_amount": 55000,
        "status": 22000,
        "amount": 55000,
        "payment_type_id": 2,
        "due_date": null,
        "requested_release_amount": 0,
        "pending_release_amount": 0,
        "dynamic_descriptor": null,
        "invoice_url": null,
        "deposit_reference": "100014091971111",
        "buyer_fees": 0,
        "seller_fees": 1100,
        "credit_card_fee": 0,
        "direct_debit_fee": 0,
        "paypal_fee": 0,
        "promisepay_fee": 0,
        "batch_state": null,
        "total_outstanding": 55000,
        "total_amount": 55000,
        "currency": "AUD",
        "payment_method": "pending",
        "buyer_name": "Assembly Buyer",
        "buyer_email": "[email protected]",
        "buyer_country": "AUS",
        "seller_name": "Assembly Seller",
        "seller_email": "[email protected]",
        "seller_country": "AUS",
        "payment_credit_card_enabled": true,
        "payment_direct_debit_enabled": true,
        "tds_check_state": null,
        "related": {
            "buyers": "6385542f-c7ab-4fae-82b2-a76a1ce0e531",
            "sellers": "e0e30fb0-ad7e-46c1-8fe0-317ab4167745"
        },
        "links": {
            "self": null,
            "buyers": "/items/75d07055-5141-4729-a26a-31875e45d7cc/buyers",
            "sellers": "/items/75d07055-5141-4729-a26a-31875e45d7cc/sellers",
            "status": "/items/75d07055-5141-4729-a26a-31875e45d7cc/status",
            "fees": "/items/75d07055-5141-4729-a26a-31875e45d7cc/fees",
            "transactions": "/items/75d07055-5141-4729-a26a-31875e45d7cc/transactions",
            "batch_transactions": "/items/75d07055-5141-4729-a26a-31875e45d7cc/batch_transactions",
            "wire_details": "/items/75d07055-5141-4729-a26a-31875e45d7cc/wire_details",
            "bpay_details": "/items/75d07055-5141-4729-a26a-31875e45d7cc/bpay_details",
            "tds_checks": "/items/75d07055-5141-4729-a26a-31875e45d7cc/tds_checks"
        }
    }
}

Users object

{
    "users": {
        "created_at": "2019-06-14T06:14:50.522Z",
        "updated_at": "2019-12-16T07:58:55.006Z",
        "full_name": "Assembly User",
        "email": "[email protected]",
        "mobile": null,
        "phone": null,
        "logo_url": null,
        "color_1": null,
        "color_2": null,
        "first_name": "Assembly",
        "last_name": "User",
        "id": "40b42c86-637d-4d07-9451-e0b59b5429b9",
        "custom_descriptor": "Test payment",
        "location": "AUS",
        "verification_state": "approved",
        "held_state": false,
        "roles": ["customer"],
        "dob": "encrypted",
        "government_number": null,
        "drivers_license": null,
        "flags": {},
        "related": {
            "addresses": "a4047090-7099-0137-2eaa-02440f902894",
            "payout_account": "7665ad80-727d-0137-9d4d-024c25d37cba"
        },
        "links": {
            "self": null,
            "items": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/items",
            "card_accounts": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/card_accounts",
            "paypal_accounts": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/paypal_accounts",
            "payid_accounts": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/payid_accounts",
            "bank_accounts": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/bank_accounts",
            "wallet_accounts": "/users/40b42c86-637d-4d07-9451-e0b59b5429b9/wallet_accounts"
        }
    }
}

Batch Transactions object

type: payment
type_method: direct_debit (Australia)
state: bank processing

{
    "batch_transactions": {
        "created_at": "2019-12-10T04:20:58.889Z",
        "updated_at": "2019-12-10T23:13:28.290Z",
        "id": "112b31ad-3ea8-4a17-b22e-ea501f718348",
        "account_type": "bank_account",
        "type": "payment",
        "type_method": "direct_debit",
        "batch_id": 3674,
        "cuscal_payment_transaction_id": null,
        "reference": "3674: Assembly Production",
        "deposit_reference": null,
        "state": "bank_processing",
        "status": 12700,
        "user_id": "cb055352-793e-4375-ba1a-765195b3e431",
        "account_id": "5991bac0-9a4c-0137-4dae-02e1afd1c777",
        "amount": 26490,
        "currency": "AUD",
        "debit_credit": "debit",
        "description": "Debit of $264.90 from Bank Account for Credit of $264.90 to Item",
        "related": {
            "account_to": {
                "id": "e2ef8fd1-5cef-49db-88ab-9d24cfd95131",
                "account_type": "item",
                "user_id": "a0973e1b072101871466a6bb7b6c7e6f"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/users",
            "fees": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/fees",
            "wallet_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/wallet_accounts",
            "card_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/card_accounts",
            "paypal_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/paypal_accounts",
            "bank_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/bank_accounts",
            "items": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/items"
        }
    }
}

type: payment
type_method: direct_debit (Australia)
state: successful

{
    "batch_transactions": {
        "created_at": "2019-12-10T04:20:58.889Z",
        "updated_at": "2019-12-16T00:01:58.498Z",
        "id": "112b31ad-3ea8-4a17-b22e-ea501f718348",
        "account_type": "bank_account",
        "type": "payment",
        "type_method": "direct_debit",
        "batch_id": 3674,
        "cuscal_payment_transaction_id": null,
        "reference": "3674: Assembly Production",
        "deposit_reference": null,
        "state": "successful",
        "status": 12000,
        "user_id": "cb055352-793e-4375-ba1a-765195b3e431",
        "account_id": "5991bac0-9a4c-0137-4dae-02e1afd1c777",
        "amount": 26490,
        "currency": "AUD",
        "debit_credit": "debit",
        "description": "Debit of $264.90 from Bank Account for Credit of $264.90 to Item",
        "related": {
            "account_to": {
                "id": "e2ef8fd1-5cef-49db-88ab-9d24cfd95131",
                "account_type": "item",
                "user_id": "a0973e1b072101871466a6bb7b6c7e6f"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/users",
            "fees": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/fees",
            "wallet_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/wallet_accounts",
            "card_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/card_accounts",
            "paypal_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/paypal_accounts",
            "bank_accounts": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/bank_accounts",
            "items": "/batch_transactions/112b31ad-3ea8-4a17-b22e-ea501f718348/items"
        }
    }
}

type: payment
type_method: direct_debit (Australia)
state: invalid_account_details

{
    "batch_transactions": {
        "created_at": "2019-11-15T01:14:29.000Z",
        "updated_at": "2019-11-18T22:46:49.802Z",
        "id": "40aa9259-74a9-4b39-8dae-b82d86a6b64c",
        "account_type": "bank_account",
        "type": "payment",
        "type_method": "direct_debit",
        "batch_id": 3623,
        "cuscal_payment_transaction_id": null,
        "reference": "Assembly Test transaction",
        "deposit_reference": null,
        "state": "invalid_account_details",
        "status": 12360,
        "user_id": "fe2f155a-5885-42f2-9d18-54052d560919",
        "account_id": "01152150-e973-0137-64ca-061f94c317bf",
        "amount": 71,
        "currency": "AUD",
        "debit_credit": "debit",
        "description": "Debit of $0.71 from Bank Account for Credit of $0.71 to Item",
        "related": {
            "account_to": {
                "id": "7fee0c57-5798-4310-965f-6ce27ba1c68d",
                "account_type": "item",
                "user_id": "43927c80bb2d591d56d0934fdd3f3868"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/users",
            "fees": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/fees",
            "wallet_accounts": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/wallet_accounts",
            "card_accounts": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/card_accounts",
            "paypal_accounts": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/paypal_accounts",
            "bank_accounts": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/bank_accounts",
            "items": "/batch_transactions/40aa9259-74a9-4b39-8dae-b82d86a6b64c/items"
        }
    }
}

type: payment
type_method: direct_debit (Australia)
state: failed_direct_debit

{
    "batch_transactions": {
        "created_at": "2019-12-11T18:00:24.365Z",
        "updated_at": "2019-12-15T22:53:39.926Z",
        "id": "eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55",
        "account_type": "bank_account",
        "type": "payment",
        "type_method": "direct_debit",
        "batch_id": 3676,
        "cuscal_payment_transaction_id": null,
        "reference": "Assembly Test Transaction",
        "deposit_reference": null,
        "state": "failed_direct_debit",
        "status": 12370,
        "user_id": "1bb6e370-edc0-4a9c-857f-66f599f9739a",
        "account_id": "338f4ba0-2c84-0137-0fb9-0250ddecdcda",
        "amount": 52000,
        "currency": "AUD",
        "debit_credit": "debit",
        "description": "Debit of $520.00 from Bank Account for Credit of $520.00 to Item",
        "related": {
            "account_to": {
                "id": "d6faa441-b73c-404c-a992-ad32ab08d743",
                "account_type": "item",
                "user_id": "43927c80bb2d591d56d0934fdd3f3868"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/users",
            "fees": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/fees",
            "wallet_accounts": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/wallet_accounts",
            "card_accounts": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/card_accounts",
            "paypal_accounts": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/paypal_accounts",
            "bank_accounts": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/bank_accounts",
            "items": "/batch_transactions/eacbd2c8-631f-407c-8a3e-f7bc7b2f9d55/items"
        }
    }
}

Credit Card Settlement (Australia)
type: payment_funding
type_method: credit_card
state: successful

{
    "batch_transactions": {
        "created_at": "2020-03-25T00:42:20.658Z",
        "updated_at": "2020-03-27T04:02:49.933Z",
        "id": "eefb4116-a2c5-4004-ada5-73d11eb8330f",
        "account_type": "item",
        "type": "payment_funding",
        "type_method": "credit_card",
        "batch_id": null,
        "cuscal_payment_transaction_id": null,
        "reference": "Assembly Production",
        "deposit_reference": null,
        "state": "successful",
        "status": 12000,
        "user_id": "874ed0ba-1876-44f6-57a7-b1c748844398",
        "account_id": "52ef87de-d84d-8606-9be7-8f1303f2c696",
        "amount": 100,
        "currency": "AUD",
        "debit_credit": "credit",
        "description": "Credit of $1.00 to Item by Debit of $1.00 from Wallet Account",
        "related": {
            "account_to": {
                "id": "fb237a00-feb5-0137-af74-06d22325d243",
                "account_type": "wallet_account",
                "user_id": "5"
            }
        },
        "links": {
            "self": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f",
            "users": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/users",
            "fees": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/fees",
            "wallet_accounts": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/wallet_accounts",
            "card_accounts": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/card_accounts",
            "paypal_accounts": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/paypal_accounts",
            "bank_accounts": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/bank_accounts",
            "items": "/batch_transactions/eefb4116-a2c5-4004-ada5-73d11eb8330f/items"
        }
    }
}

type: disbursement
type_method: direct_credit
state: successful

{
    "batch_transactions": {
        "created_at": "2019-12-10T05:50:42.384Z",
        "updated_at": "2019-12-16T06:00:56.206Z",
        "id": "02516f0e-1736-4172-a07d-13c4d8da4f7c",
        "account_type": "wallet_account",
        "type": "disbursement",
        "type_method": "direct_credit",
        "batch_id": 3674,
        "cuscal_payment_transaction_id": null,
        "reference": "3674: Assembly Production",
        "deposit_reference": null,
        "state": "successful",
        "status": 12000,
        "user_id": "a2707d3c-873a-4daa-b820-1a56f1c330cb",
        "account_id": "da771b90-bbfa-0137-7c7e-06991e94040f",
        "amount": 64039,
        "currency": "AUD",
        "debit_credit": "credit",
        "description": "Debit of $640.39 from Wallet Account for Credit of $640.39 to Bank Account",
        "related": {
            "account_to": {
                "id": "fd0c6160-bbfa-0137-d56a-0674a3bcef4d",
                "account_type": "bank_account",
                "user_id": "a2707d3c-873a-4daa-b820-1a56f1c330cb"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/users",
            "fees": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/fees",
            "wallet_accounts": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/wallet_accounts",
            "card_accounts": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/card_accounts",
            "paypal_accounts": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/paypal_accounts",
            "bank_accounts": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/bank_accounts",
            "items": "/batch_transactions/02516f0e-1736-4172-a07d-13c4d8da4f7c/items"
        }
    }
}

type: disbursement
type_method: direct_credit
state: invalid_account_details

{
    "batch_transactions": {
        "created_at": "2019-11-15T04:14:51.058Z",
        "updated_at": "2019-11-18T22:46:45.453Z",
        "id": "ffecfe55-4a38-4aea-a2d7-9ce17d50a728",
        "account_type": "wallet_account",
        "type": "disbursement",
        "type_method": "direct_credit",
        "batch_id": 3623,
        "cuscal_payment_transaction_id": null,
        "reference": "3623: Assembly Production",
        "deposit_reference": null,
        "state": "invalid_account_details",
        "status": 12360,
        "user_id": "fe2f155a-5885-42f2-9d18-54052d560919",
        "account_id": "33462a80-e422-0137-abbb-06615306b937",
        "amount": 71,
        "currency": "AUD",
        "debit_credit": "credit",
        "description": "Debit of $0.71 from Wallet Account for Credit of $0.71 to Bank Account",
        "related": {
            "account_to": {
                "id": "01152150-e973-0137-64ca-061f94c317bf",
                "account_type": "bank_account",
                "user_id": "fe2f155a-5885-42f2-9d18-54052d560919"
            }
        },
        "links": {
            "self": null,
            "users": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/users",
            "fees": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/fees",
            "wallet_accounts": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/wallet_accounts",
            "card_accounts": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/card_accounts",
            "paypal_accounts": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/paypal_accounts",
            "bank_accounts": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/bank_accounts",
            "items": "/batch_transactions/ffecfe55-4a38-4aea-a2d7-9ce17d50a728/items"
        }
    }
}

type: disbursement
type_method: bpay (Australia)
state: bank_processing

{
    "batch_transactions": {
        "created_at": "2020-07-27T22:50:27.654Z",
        "updated_at": "2020-07-27T22:52:41.014Z",
        "id": 31622,
        "uuid": "486a51f2-099c-4eba-9e83-a854fec01484",
        "external_reference": null,
        "reference_amount": null,
        "account_external": {
            "account_type_id": 9700,
            "currency": {
                "code": "AUD"
            }
        },
        "internal_state": null,
        "internal_status": null,
        "user_email": "neol_bpayuser78600[email protected]",
        "first_name": "Neol",
        "last_name": "BPay User",
        "legal_entity_id": "59f99bc2-87e5-4359-af56-6dac32d650d3",
        "user_external_id": "bpayUser-78600683",
        "phone": "+1595890183",
        "marketplace": {
            "group_name": null,
            "name": "Bpay MP 1595890175",
            "short_name": null,
            "uuid": "9b99d86f-4376-42c0-9e09-d0fd087b8ae7",
            "account_details": null,
            "account_details_encrypted": null
        },
        "company": null,
        "payout_currency": null,
        "address_line1": "Courtland Ave.",
        "address_line2": "Courtland Ave.",
        "address_city": "Macon",
        "address_state": "GA",
        "address_postcode": "31204",
        "address_country": {
            "id": 1,
            "name": "Australia",
            "three_code": "AUS",
            "two_code": "au",
            "currency_id": 1,
            "numeric_code": "36"
        },
        "account_type": 9700,
        "type": "disbursement",
        "type_method": "bpay",
        "batch_id": null,
        "cuscal_payment_transaction_id": null,
        "reference": null,
        "deposit_reference": null,
        "state": "bank_processing",
        "status": 12700,
        "user_id": "6350f240-b289-0138-1ab1-0a58a9feac37",
        "account_id": "6362eb40-b289-0138-e4bd-0a58a9feac37",
        "amount": 10005,
        "currency": "AUD",
        "debit_credit": "credit",
        "description": "Debit of $100.05 from Wallet Account for Credit of $100.05 to BPay Disbursement Account",
        "related": {
            "account_to": {
                "id": "71b6b790-b289-0138-bb57-0a58a9feac37",
                "account_type": "bpay_disbursement_account",
                "user_id": "6350f240-b289-0138-1ab1-0a58a9feac37"
            }
        },
        "links": {
            "self": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484",
            "users": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/users",
            "fees": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/fees",
            "wallet_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/wallet_accounts",
            "card_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/card_accounts",
            "paypal_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/paypal_accounts",
            "bank_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/bank_accounts",
            "bpay_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/bpay_accounts",
            "items": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/items",
            "marketplace": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/marketplaces"
        }
    }
}

type: disbursement
type_method: bpay (Australia)
state: successful

{
    "batch_transactions": {
        "created_at": "2020-07-27T22:50:27.654Z",
        "updated_at": "2020-07-27T23:02:52.157Z",
        "id": 31622,
        "uuid": "486a51f2-099c-4eba-9e83-a854fec01484",
        "external_reference": null,
        "reference_amount": null,
        "account_external": {
            "account_type_id": 9700,
            "currency": {
                "code": "AUD"
            }
        },
        "internal_state": null,
        "internal_status": null,
        "user_email": "[email protected]",
        "first_name": "Neol",
        "last_name": "BPay User",
        "legal_entity_id": "59f99bc2-87e5-4359-af56-6dac32d650d3",
        "user_external_id": "bpayUser-78600683",
        "phone": "+1595890183",
        "marketplace": {
            "group_name": null,
            "name": "Bpay MP 1595890175",
            "short_name": null,
            "uuid": "9b99d86f-4376-42c0-9e09-d0fd087b8ae7",
            "account_details": null,
            "account_details_encrypted": null
        },
        "company": null,
        "payout_currency": null,
        "address_line1": "Courtland Ave.",
        "address_line2": "Courtland Ave.",
        "address_city": "Macon",
        "address_state": "GA",
        "address_postcode": "31204",
        "address_country": {
            "id": 1,
            "name": "Australia",
            "three_code": "AUS",
            "two_code": "au",
            "currency_id": 1,
            "numeric_code": "36"
        },
        "account_type": 9700,
        "type": "disbursement",
        "type_method": "bpay",
        "batch_id": null,
        "cuscal_payment_transaction_id": null,
        "reference": null,
        "deposit_reference": null,
        "state": "successful",
        "status": 12000,
        "user_id": "6350f240-b289-0138-1ab1-0a58a9feac37",
        "account_id": "6362eb40-b289-0138-e4bd-0a58a9feac37",
        "amount": 10005,
        "currency": "AUD",
        "debit_credit": "credit",
        "description": "Debit of $100.05 from Wallet Account for Credit of $100.05 to BPay Disbursement Account",
        "related": {
            "account_to": {
                "id": "71b6b790-b289-0138-bb57-0a58a9feac37",
                "account_type": "bpay_disbursement_account",
                "user_id": "6350f240-b289-0138-1ab1-0a58a9feac37"
            }
        },
        "links": {
            "self": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484",
            "users": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/users",
            "fees": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/fees",
            "wallet_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/wallet_accounts",
            "card_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/card_accounts",
            "paypal_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/paypal_accounts",
            "bank_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/bank_accounts",
            "bpay_accounts": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/bpay_accounts",
            "items": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/items",
            "marketplace": "/batch_transactions/486a51f2-099c-4eba-9e83-a854fec01484/marketplaces"
        }
    }
}

Disbursements object

state: bank_processing

{
    "disbursements": {
        "id": "1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd",
        "amount": 100000,
        "currency": "AUD",
        "batch_id": null,
        "cuscal_payment_transaction_id": null,
        "created_at": "2019-12-16T04:06:48.329Z",
        "updated_at": "2019-12-16T04:06:50.181Z",
        "state": "bank_processing",
        "to": "Bank Account",
        "bank_name": "BWA",
        "bank_account_name": "ASSEMBLY TEST",
        "bank_account_number": "XXX975",
        "bank_routing_number": "XXXXX1",
        "npp_payout_state": "trying",
        "links": {
            "transactions": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/transactions",
            "wallet_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/wallet_accounts",
            "bank_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/bank_accounts",
            "paypal_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/paypal_accounts",
            "items": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/items",
            "users": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/users"
        }
    }
}

state: successful

{
    "disbursements": {
        "id": "1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd",
        "amount": 100000,
        "currency": "AUD",
        "batch_id": null,
        "cuscal_payment_transaction_id": "PRTYAU31XXXN20191216000000000111111",
        "created_at": "2019-12-16T04:06:48.329Z",
        "updated_at": "2019-12-16T04:06:52.977Z",
        "state": "successful",
        "to": "Bank Account",
        "bank_name": "BWA",
        "bank_account_name": "ASSEMBLY TEST",
        "bank_account_number": "XXX975",
        "bank_routing_number": "XXXXX1",
        "npp_payout_state": "successful",
        "links": {
            "transactions": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/transactions",
            "wallet_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/wallet_accounts",
            "bank_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/bank_accounts",
            "paypal_accounts": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/paypal_accounts",
            "items": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/items",
            "users": "/disbursements/1c0916c6-e4ef-4d9f-9548-974e2b5cb5cd/users"
        }
    }
}

Accounts object

{
    "accounts": {
        "id": 8100683,
        "created_at": "2019-12-16T00:08:54.823Z",
        "updated_at": "2019-12-16T00:08:54.823Z",
        "currency_id": 1,
        "account_type_id": 2000,
        "amount": 0,
        "legal_entity_id": 2561348,
        "uuid": "2bf1ea30-01c6-0138-94dd-06c7c110a877",
        "links": {
            "self": null
        }
    }
}

Virtual Accounts object (Australia)

{
  "event": "status_updated",
  "id": "123e4567-e89b-12d3-a456-426614174000"
  "link": "/virtual_accounts/123e4567-e89b-12d3-a456-426614174000",
  "name": "virtual_accounts",
  "updatedAt": "2021-08-11T18:00:00+12:00" 
}

PayID object (Australia)

{
  "event": "status_updated",
  "id": "46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
  "name": "payid",
  "newStatus": "active",
  "oldStatus": "pending_activation",
  "updatedAt": "2022-04-21T08:57:54Z",
  "link": "/payid/46deb476-c1a6-41eb-8eb7-26a695bbe5bc"
}

PayTo object (payto_agreements) - agreement creation (Australia)

{
  "event_type" : "AGREEMENT_CREATION_SUCCESS",
  "id" : "e8632769-3d26-4f7f-98b0-eb6d92a4bd83",
  "original_request" : {
    "user_external_id" : "buyer-149930547",
    "priority" : "ATTENDED",
    "agreement_info" : {
      "description" : "desc",
      "short_description" : "short desc",
      "purpose_code" : "MORT",
      "agreement_type" : "AUPM",
      "automatic_renewal" : false,
      "validity_start_date" : "2023-10-31",
      "validity_end_date" : "2048-08-25",
      "transfer_arrangement" : "transfer arrangement",
      "debtor_info" : {
        "debtor_account_details" : {
          "account_id_type" : "PAYID",
          "payid_details" : {
            "payid_type" : "TELI",
            "payid" : "+61-474109810"
          }
        },
        "debtor_details" : {
          "debtor_name" : "paytozaitest",
          "debtor_type" : "ORGN",
          "ultimate_debtor_name" : "ultimate name",
          "debtor_id" : "[email protected]",
          "debtor_id_type" : "EMPL",
          "debtor_reference" : "debtor reference"
        }
      },
      "creditor_info" : {
        "ultimate_creditor_name" : "ultimate creditor name",
        "creditor_reference" : "creditor reference"
      },
      "payment_initiator_info" : {
        "initiator_id" : "96637632645",
        "initiator_id_type_code" : "AUCN",
        "initiator_legal_name" : "Zai Australia Pty. Ltd.",
        "initiator_name" : "Zai"
      },
      "payment_terms" : {
        "payment_amount_info" : {
          "amount" : "1000",
          "currency" : "AUD",
          "type" : "USGB"
        },
        "first_payment_info" : {
          "amount" : "1500",
          "currency" : "AUD",
          "date" : "2048-07-30"
        },
        "last_payment_info" : {
          "amount" : "2000",
          "currency" : "AUD",
          "date" : "2048-07-31"
        },
        "maximum_amount_info" : {
          "amount" : "5000",
          "currency" : "AUD"
        },
        "payment_executed_not_before_time" : "02:30:19Z",
        "count_per_period" : "3",
        "frequency" : "INTRDY"
      }
    }
  },
  "data" : {
    "agreement_uuid" : "e8632769-3d26-4f7f-98b0-eb6d92a4bd83",
    "user_external_id" : "buyer-149930547",
    "status" : "CREATED",
    "status_description" : "Agreement has been created successfully.",
    "created_at" : "2022-11-01 06:50:05",
    "updated_at" : "2022-11-01 06:50:37",
    "agreement_info" : {
      "agreement_id" : "83da8db97d921c20bbcacacc30b09aae",
      "description" : "desc",
      "short_description" : "short desc",
      "purpose_code" : "MORT",
      "agreement_type" : "AUPM",
      "automatic_renewal" : false,
      "validity_start_date" : "2023-10-31",
      "validity_end_date" : "2048-08-25",
      "transfer_arrangement" : "transfer arrangement",
      "debtor_info" : {
        "debtor_account_details" : {
          "account_id_type" : "PAYID",
          "payid_details" : {
            "payid_type" : "TELI",
            "payid" : "+61-474109810",
            "payid_name" : "Test"
          }
        },
        "debtor_details" : {
          "debtor_name" : "paytozaitest",
          "debtor_type" : "ORGN",
          "ultimate_debtor_name" : "ultimate name",
          "debtor_id" : "[email protected]",
          "debtor_id_type" : "EMPL",
          "debtor_reference" : "debtor reference"
        }
      },
      "creditor_info" : {
        "creditor_account_details" : {
          "account_id" : "803320222222222",
          "account_id_type" : "BBAN"
        },
        "creditor_details" : {
          "creditor_id" : "96637632645",
          "creditor_id_type" : "AUBN",
          "creditor_name" : "Zai Australia Pty. Ltd.",
          "creditor_type" : "ORGN",
          "ultimate_creditor_name" : "ultimate creditor name",
          "creditor_reference" : "creditor reference"
        }
      },
      "payment_initiator_info" : {
        "initiator_id" : "96637632645",
        "initiator_id_type_code" : "AUCN",
        "initiator_legal_name" : "Zai Australia Pty. Ltd.",
        "initiator_name" : "Zai"
      },
      "payment_terms" : {
        "payment_amount_info" : {
          "amount" : "1000",
          "currency" : "AUD",
          "type" : "USGB"
        },
        "first_payment_info" : {
          "amount" : "1500",
          "currency" : "AUD",
          "date" : "2048-07-30"
        },
        "last_payment_info" : {
          "amount" : "2000",
          "currency" : "AUD",
          "date" : "2048-07-31"
        },
        "maximum_amount_info" : {
          "amount" : "5000",
          "currency" : "AUD"
        },
        "payment_executed_not_before_time" : "02:30:19Z",
        "count_per_period" : "3",
        "frequency" : "INTRDY"
      }
    }
  },
  "message" : "Agreement has been created successfully."
}

PayTo object (payto_agreements) - agreement activation (Australia)

Payer approves the agreement

{
  "event_type" : "AGREEMENT_ACTIVATION_SUCCESS",
  "id" : "e8632769-3d26-4f7f-98b0-eb6d92a4bd83",
  "data" : {
    "agreement_uuid" : "e8632769-3d26-4f7f-98b0-eb6d92a4bd83",
    "user_external_id" : "buyer-149930547",
    "status" : "ACTIVE",
    "status_description" : "Agreement has been approved by the debtor",
    "created_at" : "2022-11-01 06:50:05",
    "updated_at" : "2022-11-01 06:52:27",
    "agreement_info" : {
      "agreement_id" : "83da8db97d921c20bbcacacc30b09aae",
      "description" : "desc",
      "short_description" : "short desc",
      "purpose_code" : "MORT",
      "agreement_type" : "AUPM",
      "automatic_renewal" : false,
      "validity_start_date" : "2023-10-31",
      "validity_end_date" : "2048-08-25",
      "transfer_arrangement" : "transfer arrangement",
      "debtor_info" : {
        "debtor_account_details" : {
          "account_id_type" : "PAYID",
          "payid_details" : {
            "payid_type" : "TELI",
            "payid" : "+61-474109810",
            "payid_name" : "Test"
          }
        },
        "debtor_details" : {
          "debtor_name" : "paytozaitest",
          "debtor_type" : "ORGN",
          "ultimate_debtor_name" : "ultimate name",
          "debtor_id" : "[email protected]",
          "debtor_id_type" : "EMPL",
          "debtor_reference" : "debtor reference"
        }
      },
      "creditor_info" : {
        "creditor_account_details" : {
          "account_id" : "803320222222222",
          "account_id_type" : "BBAN"
        },
        "creditor_details" : {
          "creditor_id" : "96637632645",
          "creditor_id_type" : "AUBN",
          "creditor_name" : "Zai Australia Pty. Ltd.",
          "creditor_type" : "ORGN",
          "ultimate_creditor_name" : "ultimate creditor name",
          "creditor_reference" : "creditor reference"
        }
      },
      "payment_initiator_info" : {
        "initiator_id" : "96637632645",
        "initiator_id_type_code" : "AUCN",
        "initiator_legal_name" : "Zai Australia Pty. Ltd.",
        "initiator_name" : "Zai"
      },
      "payment_terms" : {
        "payment_amount_info" : {
          "amount" : "1000",
          "currency" : "AUD",
          "type" : "USGB"
        },
        "first_payment_info" : {
          "amount" : "1500",
          "currency" : "AUD",
          "date" : "2048-07-30"
        },
        "last_payment_info" : {
          "amount" : "2000",
          "currency" : "AUD",
          "date" : "2048-07-31"
        },
        "maximum_amount_info" : {
          "amount" : "5000",
          "currency" : "AUD"
        },
        "payment_executed_not_before_time" : "02:30:19Z",
        "count_per_period" : "3",
        "frequency" : "INTRDY"
      }
    }
  },
  "message" : "Agreement has been approved by the debtor"
}

What’s Next

Webhooks best practices