Account Verification Events

This page provides details on webhook events related to account verification processes. It includes specifications for two events: the Challenge Deposit Status Update Event, which communicates status updates on Micro Entries verification, and the Risk Analytics Event, which delivers risk-related insights following account verification. These webhooks support timely and automated handling of verification outcomes.

Challenge Deposit Status Update Event

The challenge deposit status update event refers to the notifications sent to customers when the user-initiated challenge deposit verification (CDV) or the micro-entries process reaches various stages.

Notifications are sent to customers whenever there is a change in the CDV request status, i.e., INITIATED, DEPOSITED, SUCCESS, or FAILED. This webhooks notification lets customers know the stage the CDV process has reached, enabling them to fetch the additional details using the GET /verification endpoint.

Event Payload Information

The following JSON payload will be sent to the callback URL, and the content type will be application/json:

{
    "event": {
        "info": "CDV_STATUS_UPDATES",
        "notificationId": "8Du3iHWP0zS0NFramXKP2XgQdsQ=",
        "notificationTime": "2025-05-01T02:00:13Z",
        "loginName": "cd30",
        "data": {
            "providerAccountId": 11931950,
            "accountId": 14314603,
            "verificationId": 10063594,
            "verificationStatus": "FAILED",
            "reason": "EXPIRED"
        }
    }
}

Event Attributes Name	Details
info	The `info` attribute's value will be `CDV_STATUS_UPDATES`.
notificationId	Unique identifier for the notification.
notificationTime	The date and time when the notification was triggered.
loginName	The login name of the user.
data.providerAccountId	The unique identifier for the provider account for which the CDV process was initiated.
data.accountId	The unique identifier for the account for which the CDV process was initiated.
data.verificationId	Unique identifier for the verification request.
data.verificationStatus	The status of the account verification. Valid values are `INITIATED`, `DEPOSITED`, `SUCCESS`, and `FAILED`.
data.reason	The reason for the CDV process's failure. Valid values are `DATA_MISMATCH`, `INSTRUCTION_GENERATION_ERROR`, and `EXPIRED`.

Frequently Asked Questions

Do you send webhooks for each user's retry attempt when they enter debit and credit amounts?
No. The DATA_MISMATCH failed reason webhook is sent when the user has exhausted the remaining attempts to enter the correct value.

Risk Analytics Event

The Risk Analytics feature provides customers with deeper insights into potential risks associated with their consumers. It supports the identification, assessment, and effective management of these risks. Risk analytics are generated only for accounts verified using the FastLink 4 Instant Account Verification service. Accounts verified through the Micro Entries method are not supported for this feature.

Once an account is successfully verified via FastLink 4, risk analytics generation is automatically initiated for the selected account(s). Risk insights are made available in near real time after verification. A Risk Analytics webhook is triggered to notify the customer when the risk data has been generated for the verified accounts. The GET /riskAnalytics?accountId={accountId} API allows retrieving the risk analytics information for the verified accounts.

Event Payload Information

The following JSON payload will be sent to the callback URL, and the content type will be application/json:

{
   "event":{
      "info":"RISK_ANALYTICS",
      "notificationId":"63b5206c98268664f7db1c2c",
      "notificationTime":"2025-05-04T06:45:28Z",
      "data":{
         "loginName":"User1672529280409",
         "providerAccountId":12931515,
         "accountId":11119299259,
         "links":[
            {
               "methodType":"GET",
               "rel":"getRiskAnalytics",
               "href":"/riskAnalytics?accountId=11119299259"
            }
         ]
      }
   }
}

Event Attributes Name	Details
info	The `info` attribute's value will be `RISK_ANALYTICS`.
notificationId	Unique identifier for the notification.
notificationTime	The date and time when the notification was triggered.
data.loginName	The login name of the user.
data.providerAccountId	The unique identifier for the provider account for which the risk analytics process was initiated.
data.accountId	The unique identifier for the account for which the risk analytics process was initiated.
data.links[]	The links node is an entity that contains link-related information.
data.links[].methodType	The type of method to invoke the endpoint.
data.links[].rel	The relationship detail of the service to be invoked.
data.links[].href	The URL to be appended to the base URL to invoke the related service.