Webhook notifications

Webhook notifications will be sent each time there is an action being triggered from TOQIOs side.

Available webhook notifications:

Webhook type	Description
client-status-changed	Will be triggered when the status of a client is changed: New client registered via public registration form or public API → status: LEAD Company finishes registering and needs to start compliance process: status: ONBOARDING if doesn’t have an account yet status: ONBOARDED if already has an account → can be a new director onboarding in an already live client Compliance process has finished and company gets accepted: status: ONBOARDING if doesn’t have an account yet status: ONBOARDED if already has an account Company gets declined during compliance process → status: FROZEN Company is rejected from the admin portal → status: REJECTED Company is frozen from the admin portal → status: FROZEN Company is frozen from the admin portal → status: FROZEN Company gets onboarded manually from admin portal: status: ONBOARDING if doesn’t have an account yet status: ONBOARDED if already has an account (can be an unfrozen company) Company gets reOpened from admin portal (ONLY DECLINED AND KYC ENTITIES CAN BE REOPENED) → status: ONBOARDING Company creates first account → status: ONBOARDED
client-onboarding-status-changed	Will be triggered when the status of a client is changed: New client registered via public registration form → onboardingStatus: NOT_ONBOARDING New client registered via public API: if compliance needs to be executed → onboardingStatus: NOT_ONBOARDING if override compliance → onboardingStatus: PENDING_ACCOUNT Company finishes registering and needs to start compliance process: override compliance is ON: onboardingStatus: PENDING_ACCOUNT if doesn’t have an account yet onboardingStatus: COMPLETED if already has an account is a new lead and needs to run compliance: onboardingStatus: PENDING_KYC_DOCUMENTS if KYC process onboardingStatus: PENDING_KYB_DATA if KYB process During compliance process, documentation gets rejected and client needs to update it → onboardingStatus: PENDING_KYB_DATA All KYB documentation is ready and is ready to be sent to TN (only for KYB, KYC gets automatically sent) → onboardingStatus: PENDING_KYB Compliance data gets sent to TN: KYC companies → onboardingStatus: PENDING_KYC_RESULT KYB companies → onboardingStatus: PENDING_KYB_RESULTS Company gets accepted and compliance process is completed: onboardingStatus: PENDING_ACCOUNT if doesn’t have an account yet onboardingStatus: COMPLETED if already has an account First account is opened but is pending validation → onboardingStatus: PENDING_ACCOUNT_VALIDATION First account gets validated → onboardingStatus: COMPLETED Company gets declined during compliance process → onboardingStatus: DECLINED Company gets onboarded manually from admin portal: onboardingStatus: PENDING_ACCOUNT if doesn’t have an account yet onboardingStatus: COMPLETED if already has an account (can be an unfrozen company) Company gets reOpened from admin portal (ONLY DECLINED AND KYC ENTITIES CAN BE REOPENED) → onboardingStatus: PENDING_KYC_DOCUMENTS
user-invited	Will be triggered when a new user is invited to a company → onboardingStatus of user NOT_ONBOARDING
user-joined	Will be triggered when a user is activated to log into the portal → onboardingStatus of user COMPLETED
card-created	Will be triggered when a new card has been issued
card-suspended	Will be triggered when a card gets frozen
card-closed	Will be triggered when a card gets cancelled
transaction-pending	Will be triggered when a transaction is created
transaction-accepted	Will be triggered when a transaction gets accepted
transaction-declined	Will be triggered if a transaction is failed or cancelled
account-created	Will be triggered when a new account has been issued
account-updated	Will be triggered when an account has been updated
beneficiary-created	Will be triggered when a new beneficiary has been created
beneficiary-updated	Will be triggered when a beneficiary has been updated
beneficiary-deleted	Will be triggered when a beneficiary has been deleted

Web-hook examples

{
    "type": "client-status-changed",
    "payload": {
        "clientId": "62aae52e99e9450001ec6840",
        "client": {
            "id": "62aae52e99e9450001ec6840",
            "externalId": null,
            "externalAccountId": null,
            "name": "Florence Lee",
            "logo": null,
            "viewAlertThirdParty": true,
            "thirdParty": null,
            "customerId": "TOQIO",
            "superCustomerId": "TOQIO",
            "legislationCountry": "GB",
            "countryCode": "MK",
            "clientType": "CONSUMER",
            "kyxStatus": "NOT_STARTED",
            "onboardingStatus": "NOT_ONBOARDING",
            "kybDocuments": [],
            "status": "LEAD", // Status that will launch this webhook
            "registrationDate": null,
            "shareholders": [],
            "directors": [
                {
                    "id": "62aae52e99e9450001ec6841",
                    "alias": null,
                    "firstName": "Florence",
                    "lastName": "Lee",
                    "phoneNumber": "11111111111",
                    "phoneCountry": "GB",
                    "intnlPhoneNumber": "+11111111111",
                    "onboardedAt": null,
                    "documentType": null,
                    "documentNumber": null,
                    "documentExpirationDate": null,
                    "documentIssuerCountry": null,
                    "appointmentDate": null,
                    "tin": null,
                    "locale": "en-GB",
                    "pushEnabled": true,
                    "email": "example@gmail.com",
                    "onboardingStatus": "NOT_ONBOARDING",
                    "kycStatus": null,
                    "truNarrativeLink": null,
                    "birthDate": "1955-01-04T00:00:00.000+0000",
                    "address": "66 Hannah Path",
                    "address2": "66 Hannah Path",
                    "postalCode": "BS23 3YE",
                    "city": "New Greg",
                    "country": "MK"
                }
            ],
            "organisationType": null,
            "complianceBlocksStatuses": null,
            "subOrganisationType": null,
            "tradingName": null,
            "tradingAddress": null,
            "tradingAddress2": null,
            "tradingCity": null,
            "tradingCountry": null,
            "tradingPostalCode": null,
            "externalFinanceId": null,
            "primaryContactId": "62aae52e99e9450001ec6841",
            "tnAccountId": null,
            "kybApprovalDate": null,
            "description": null,
            "websiteUrl": null,
            "hasWebsite": false,
            "cif": null,
            "businessCode": null,
            "citizenship": null,
            "docIdType": null,
            "docIdIssuedAt": null,
            "docIdNumber": null,
            "docIdCountry": null,
            "docExpiryDate": null,
            "address": "66 Hannah Path",
            "address2": "66 Hannah Path",
            "city": "New Greg",
            "postalCode": "BS23 3YE",
            "assetType": null
        }
    }
}

{
    "type": "client-onboarding-status-changed",
    "payload": {
        "clientId": "62aae52e99e9450001ec6840",
        "client": {
            "id": "62aae52e99e9450001ec6840",
            "externalId": null,
            "externalAccountId": null,
            "name": "Florence Lee",
            "logo": null,
            "viewAlertThirdParty": true,
            "thirdParty": null,
            "customerId": "TOQIO",
            "superCustomerId": "TOQIO",
            "legislationCountry": "GB",
            "countryCode": "MK",
            "clientType": "CONSUMER",
            "kyxStatus": "COMPLETED",
            "onboardingStatus": "PENDING_ACCOUNT", // status that will launch this webhook
            "kybDocuments": [],
            "status": "ONBOARDING",
            "registrationDate": null,
            "shareholders": [],
            "directors": [
                {
                    "id": "62aae52e99e9450001ec6841",
                    "alias": null,
                    "firstName": "Florence",
                    "lastName": "Lee",
                    "phoneNumber": "11111111111",
                    "phoneCountry": "GB",
                    "intnlPhoneNumber": "+111111111111",
                    "onboardedAt": null,
                    "documentType": null,
                    "documentNumber": null,
                    "documentExpirationDate": null,
                    "documentIssuerCountry": null,
                    "appointmentDate": null,
                    "tin": null,
                    "locale": "en-GB",
                    "pushEnabled": true,
                    "email": "example@gmail.com",
                    "onboardingStatus": "NOT_ONBOARDING",
                    "kycStatus": null,
                    "truNarrativeLink": null,
                    "birthDate": "1955-01-04T00:00:00.000+0000",
                    "address": "66 Hannah Path",
                    "address2": "66 Hannah Path",
                    "postalCode": "BS23 3YE",
                    "city": "New Greg",
                    "country": "MK"
                }
            ],
            "organisationType": null,
            "complianceBlocksStatuses": null,
            "subOrganisationType": null,
            "tradingName": null,
            "tradingAddress": null,
            "tradingAddress2": null,
            "tradingCity": null,
            "tradingCountry": null,
            "tradingPostalCode": null,
            "externalFinanceId": null,
            "primaryContactId": "62aae52e99e9450001ec6841",
            "tnAccountId": null,
            "kybApprovalDate": null,
            "description": null,
            "websiteUrl": null,
            "hasWebsite": false,
            "cif": null,
            "businessCode": null,
            "citizenship": null,
            "docIdType": null,
            "docIdIssuedAt": null,
            "docIdNumber": null,
            "docIdCountry": null,
            "docExpiryDate": null,
            "address": "66 Hannah Path",
            "address2": "66 Hannah Path",
            "city": "New Greg",
            "postalCode": "BS23 3YE",
            "assetType": null
        }
    }
}

{
    "type": "user-invited",
    "payload": {
        "clientId": "6156ad18b23f3b0001f1378c",
        "userId": "62aac9de99e9450001ec6772",
        "user": {
            "id": "62aac9de99e9450001ec6772",
            "alias": null,
            "firstName": "Eriberto",
            "lastName": "AccountOwner2",
            "phoneNumber": "1111111111",
            "phoneCountry": "KE",
            "intnlPhoneNumber": "+111111111111",
            "onboardedAt": null,
            "externalId": null,
            "username": "62aac9de99e9450001ec6772",
            "email": "example@gmail.com",
            "address": null,
            "postalCode": null,
            "city": null,
            "country": null,
            "profileImage": null,
            "enabled": false,
            "firebase": null,
            "locale": "en-GB",
            "notificationSettings": {
                "push": {
                    "enabled": true,
                    "pendingActions": true,
                    "suggestions": true
                },
                "email": false,
                "commercial": false,
                "thirdParties": false
            },
            "twoFactorAuthEnabled": false,
            "onboardingStatus": "NOT_ONBOARDING",
            "tncVersion": null,
            "birthDate": "1934-01-30",
            "balanceCurrency": null,
            "idNumber": null,
            "personalAccountCurrency": null,
            "documentNumber": null,
            "documentExpirationDate": null,
            "documentIssuerCountry": null,
            "documentType": null,
            "appointmentDate": null,
            "otpChannel": null,
            "tin": null,
            "enforceTwoFactorAuth": false
        }
    }
}

{
    "type": "user-joined",
    "payload": {
        "clientId": "6156ad18b23f3b0001f1378c",
        "userId": "62aac9de99e9450001ec6772",
        "user": {
            "id": "62aac9de99e9450001ec6772",
            "alias": null,
            "firstName": "Eriberto",
            "lastName": "AccountOwner2",
            "phoneNumber": "1111111111",
            "phoneCountry": "KE",
            "intnlPhoneNumber": "+111111111111",
            "onboardedAt": null,
            "externalId": null,
            "username": "62aac9de99e9450001ec6772",
            "email": "example@gmail.com",
            "address": null,
            "postalCode": null,
            "city": null,
            "country": null,
            "profileImage": null,
            "enabled": true,
            "firebase": null,
            "locale": "en-GB",
            "notificationSettings": {
                "push": {
                    "enabled": true,
                    "pendingActions": true,
                    "suggestions": true
                },
                "email": false,
                "commercial": false,
                "thirdParties": false
            },
            "twoFactorAuthEnabled": false,
            "onboardingStatus": "COMPLETED",
            "tncVersion": {
                "version": "v1.3.11",
                "dateUpdated": "2022-06-16T06:15:48.777+0000"
            },
            "birthDate": "1934-01-30",
            "balanceCurrency": "GBP",
            "idNumber": null,
            "personalAccountCurrency": null,
            "documentNumber": null,
            "documentExpirationDate": null,
            "documentIssuerCountry": null,
            "documentType": null,
            "appointmentDate": null,
            "otpChannel": null,
            "tin": null,
            "enforceTwoFactorAuth": false
        }
    }
}

{
    "type": "account-created",
    "payload": {
        "clientId": "5c348eb74cedfd000567a6bc",
        "accountId": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
        "account": {
            "id": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
            "accountId": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
            "alias": "API test account1",
            "assetType": "GBP",
            "assetSymbol": "£",
            "assetFlag": "URL/asset_flags/GBP.png",
            "iban": "GB41PAYR04005287049815",
            "ukAccountNumber": "87049815",
            "ukSortCode": "040052",
            "bicSwiftForSEPA": "PAYRGB20XXX",
            "bicSwiftForSWIFT": "PAYRGB20XXL",
            "amount": 0,
            "availableBalance": 0,
            "totalBalance": 0,
            "countryCode": null,
            "holderName": "Hamlin McGill",
            "holderAddress": "C/ Gran Via 39,-,-,ES",
            "correspondentBank": "Barclays Bank PLC",
            "correspondentBankAddress": "1 Churchill Place, London EC14 5HP",
            "correspondentBankSWIFT": "BARCGB22",
            "holderBank": "PAYRNET LIMITED",
            "holderBankAddress": "138 HOLBORN WEWORK WATERHOUSE SQUARE UNIT 3",
            "canCancelAccount": true,
            "hasBillingPayment": false,
            "totalExpenses": 0,
            "status": "ACTIVATED"
        },
        "customerId": "TOQIO"
    }
}

{
	"type": "account-updated",
	"payload": {
		"clientId": "5c348eb74cedfd000567a6bc",
		"accountId": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
		"account": {
			"id": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
			"accountId": "6102eda5-b2b6-424c-a9c0-23bdb630116b",
			"alias": "API test account1",
			"assetType": "GBP",
			"assetSymbol": "£",
			"assetFlag": "URL/GBP.png",
			"iban": "GB41PAYR04005287049815",
			"ukAccountNumber": "87049815",
			"ukSortCode": "040052",
			"bicSwiftForSEPA": "PAYRGB20XXX",
			"bicSwiftForSWIFT": "PAYRGB20XXL",
			"amount": 0.0,
			"availableBalance": 0.0,
			"totalBalance": 0.0,
			"countryCode": null,
			"holderName": null,
			"holderAddress": null,
			"correspondentBank": null,
			"correspondentBankAddress": null,
			"correspondentBankSWIFT": null,
			"holderBank": null,
			"holderBankAddress": null,
			"canCancelAccount": true,
			"hasBillingPayment": false,
			"totalExpenses": 0.0,
			"status": "CANCELLED"
		},
		"customerId": "TOQIO"
	}
}

{
	"type": "beneficiary-created",
	"payload": {
		"clientId": "5c348eb74cedfd000567a6bc",
		"beneficiary": {
			"id": "6102f49c46e0fb000147637f",
			"createdAt": "2021-07-29T18:34:04.864+0000",
			"type": "PERSON",
			"iban": "ES1820381235091952437446",
			"bicSwift": "CAHMESMMXXX",
			"assetType": "EUR",
			"name": null,
			"firstName": "Nany",
			"lastName": "Beneficiary",
			"addressStreet": "Calle Mirto",
			"addressPostalCode": "28231",
			"addressCity": "Madrid",
			"addressIsoCountry": "ES",
			"companyId": "5c348eb74cedfd000567a6bc",
			"bankCountry": "ES",
			"bank": "BANKIA, S.A.",
			"fullName": "Nany Beneficiary"
		},
		"customerId": "TOQIO",
		"beneficiaryId": "6102f49c46e0fb000147637f"
	}
}

{
	"type": "beneficiary-updated",
	"payload": {
		"clientId": "5c348eb74cedfd000567a6bc",
		"beneficiary": {
			"id": "6102f49c46e0fb000147637f",
			"createdAt": "2021-07-29T18:34:04.864+0000",
			"type": "PERSON",
			"ukAccountNumber": "31510604",
			"ukSortCode": "100000",
			"iban": "GB24BKEN10000031510604",
			"bicSwift": "BKENGB33XXX",
			"assetType": "GBP",
			"name": null,
			"firstName": "Danis",
			"lastName": "Account",
			"addressStreet": "Calle Mirto",
			"addressPostalCode": "28231",
			"addressCity": "Madrid",
			"addressIsoCountry": "ES",
			"companyId": "5c348eb74cedfd000567a6bc",
			"bankCountry": "GB",
			"bank": "BANK OF ENGLAND",
			"fullName": "Danis Account"
		},
		"customerId": "TOQIO",
		"beneficiaryId": "6102f49c46e0fb000147637f"
	}
}

{
	"type": "beneficiary-deleted",
	"payload": {
		"clientId": "5c348eb74cedfd000567a6bc",
		"beneficiary": {
			"id": "6102f49c46e0fb000147637f",
			"createdAt": "2021-07-29T18:34:04.864+0000",
			"type": "PERSON",
			"ukAccountNumber": "31510604",
			"ukSortCode": "100000",
			"iban": "GB24BKEN10000031510604",
			"bicSwift": "BKENGB33XXX",
			"assetType": "GBP",
			"name": null,
			"firstName": "Danis",
			"lastName": "Account",
			"addressStreet": "Calle Mirto",
			"addressPostalCode": "28231",
			"addressCity": "Madrid",
			"addressIsoCountry": "ES",
			"companyId": "5c348eb74cedfd000567a6bc",
			"bankCountry": "GB",
			"bank": "BANK OF ENGLAND",
			"fullName": "Danis Account"
		},
		"customerId": "TOQIO",
		"beneficiaryId": "6102f49c46e0fb000147637f"
	}
}

{
    "type": "card-created",
    "payload": {
        "clientId": "5e3befdfac8b8e96a4f0972e",
        "userId": "5e3bf029ac8b8e96a4f0972f",
        "cardId": "25035309-8769-6782-1715--00414653514",
        "card": {
            "id": "25035309-8769-6782-1715--00414653514",
            "name": "Mehmet Buyukertas",
            "alias": "My Card 132",
            "createdAt": "2022-06-16T07:00:24.535+0000",
            "profileImage": "URL/5e3bf029ac8b8e96a4f0972f.JPG",
            "status": "ACTIVATING",
            "product": "DEBIT",
            "userId": "5e3bf029ac8b8e96a4f0972f",
            "type": "VIRTUAL",
            "cancelled": false,
            "freezeReason": null,
            "provider": "RAILSBANK",
            "design": {
                "cvv": {
                    "minX": 232,
                    "minY": 208,
                    "maxX": 275,
                    "maxY": 226
                },
                "expiration": {
                    "minX": 40,
                    "minY": 215,
                    "maxX": 115,
                    "maxY": 230
                },
                "cardNumber": {
                    "minX": 40,
                    "minY": 155,
                    "maxX": 340,
                    "maxY": 180
                },
                "token": {
                    "minX": 40,
                    "minY": 280,
                    "maxX": 170,
                    "maxY": 300
                },
                "nameOnCard": null,
                "templateUrl": "URL/lum.png",
                "textColor": null
            },
            "nameOnCard": "Kelly Kinyua",
            "truncatedPan": "2564",
            "expiryDate": "06/23",
            "account": {
                "id": "6139c1f7-745f-494c-8172-b538e0f16c72",
                "alias": "Delete Two",
                "type": null,
                "assetType": "GBP",
                "assetSymbol": "£",
                "assetFlag": "URL/GBP.svg",
                "iban": "GB58PAYR04005293026358",
                "bicSwift": "PAYRGB20XXX",
                "ukAccountNumber": "93026358",
                "ukSortCode": "040052",
                "accountLine": null
            },
            "cardDeliveryAddress": null,
            "cardDeliveryMethodEnum": null,
            "cardProgramme": null,
            "cardDesign": "1.0",
            "cardLimitDaily": 100000,
            "cardLimitMonthly": 250000,
            "cardLimitTransaction": 100000,
            "token": "123456789"
        },
        "customerId": "TOQIO"
    }
}

{
    "type": "card-suspended",
    "payload": {
        "clientId": "61e2240a0459560001d687f6",
        "userId": "61e9451e0453560001d68812",
        "cardId": "62a3518e-023a-43a6-922a-00e58e08f909",
        "card": {
            "id": "62a3518e-023a-43a6-922a-00e58e08f909",
            "name": "Matthew Stephens",
            "alias": "My Card 27",
            "createdAt": "2022-06-10T14:17:51.293+0000",
            "profileImage": "url/profile_images/61e9451e04259560001d68812.png",
            "status": "ACTIVE",
            "product": "DEBIT",
            "userId": "61e9451e0453560001d68812",
            "type": "VIRTUAL",
            "cancelled": false,
            "freezeReason": "CARD_CANCELLED",
            "provider": "MEA",
            "design": {
                "cvv": {
                    "minX": 173,
                    "minY": 260,
                    "maxX": 204,
                    "maxY": 276
                },
                "expiration": {
                    "minX": 37,
                    "minY": 260,
                    "maxX": 88,
                    "maxY": 276
                },
                "cardNumber": {
                    "minX": 37,
                    "minY": 174,
                    "maxX": 334,
                    "maxY": 203
                },
                "token": {
                    "minX": 40,
                    "minY": 280,
                    "maxX": 170,
                    "maxY": 300
                },
                "nameOnCard": {
                    "minX": 37,
                    "minY": 210,
                    "maxX": 220,
                    "maxY": 228
                },
                "templateUrl": "url/customer_cards/card_toqio_business.png",
                "textColor": "#FFFFFF"
            },
            "nameOnCard": "Matthew Stephens",
            "truncatedPan": "1642",
            "expiryDate": "04/25",
            "account": {
                "id": "61e94446-6ae5-4f41-aebb-218583a2a10c",
                "alias": "Demo Account UK",
                "type": null,
                "assetType": "GBP",
                "assetSymbol": "£",
                "assetFlag": "url/asset_flags/GBP.svg",
                "iban": "GB96PAYR04005397481552",
                "bicSwift": "PAYRGB2LXXX",
                "ukAccountNumber": "98381552",
                "ukSortCode": "040053",
                "accountLine": null
            },
            "cardDeliveryAddress": null,
            "cardDeliveryMethodEnum": null,
            "cardProgramme": "Toqio-MVP-Corporate-GBP-Virtual-UK",
            "cardDesign": "CorporateMVP",
            "cardLimitDaily": 100000,
            "cardLimitMonthly": 250000,
            "cardLimitTransaction": 100000,
            "token": "138776498"
        },
        "customerId": "DEMOTOQIO"
    }
}

{
    "type": "card-closed",
    "payload": {
        "clientId": "61e2240a0459560001d687f6",
        "userId": "61e9451e0453560001d68812",
        "cardId": "62a3518e-023a-43a6-922a-00e58e08f909",
        "card": {
            "id": "62a3518e-023a-43a6-922a-00e58e08f909",
            "name": "Matthew Stephens",
            "alias": "My Card 27",
            "createdAt": "2022-06-10T14:17:51.293+0000",
            "profileImage": "url/profile_images/61e9451e04259560001d68812.png",
            "status": "ACTIVE",
            "product": "DEBIT",
            "userId": "61e9451e0453560001d68812",
            "type": "VIRTUAL",
            "cancelled": false,
            "freezeReason": "CARD_CANCELLED",
            "provider": "MEA",
            "design": {
                "cvv": {
                    "minX": 173,
                    "minY": 260,
                    "maxX": 204,
                    "maxY": 276
                },
                "expiration": {
                    "minX": 37,
                    "minY": 260,
                    "maxX": 88,
                    "maxY": 276
                },
                "cardNumber": {
                    "minX": 37,
                    "minY": 174,
                    "maxX": 334,
                    "maxY": 203
                },
                "token": {
                    "minX": 40,
                    "minY": 280,
                    "maxX": 170,
                    "maxY": 300
                },
                "nameOnCard": {
                    "minX": 37,
                    "minY": 210,
                    "maxX": 220,
                    "maxY": 228
                },
                "templateUrl": "url/customer_cards/card_toqio_business.png",
                "textColor": "#FFFFFF"
            },
            "nameOnCard": "Matthew Stephens",
            "truncatedPan": "1642",
            "expiryDate": "04/25",
            "account": {
                "id": "61e94446-6ae5-4f41-aebb-218583a2a10c",
                "alias": "Demo Account UK",
                "type": null,
                "assetType": "GBP",
                "assetSymbol": "£",
                "assetFlag": "url/asset_flags/GBP.svg",
                "iban": "GB96PAYR04005397481552",
                "bicSwift": "PAYRGB2LXXX",
                "ukAccountNumber": "98381552",
                "ukSortCode": "040053",
                "accountLine": null
            },
            "cardDeliveryAddress": null,
            "cardDeliveryMethodEnum": null,
            "cardProgramme": "Toqio-MVP-Corporate-GBP-Virtual-UK",
            "cardDesign": "CorporateMVP",
            "cardLimitDaily": 100000,
            "cardLimitMonthly": 250000,
            "cardLimitTransaction": 100000,
            "token": "138776498"
        },
        "customerId": "DEMOTOQIO"
    }
}

{
    "type": "transaction-accepted",
    "payload": {
        "transactionId": "62b03d177f1d6100018d6bb9",
        "accountId": "61dd906d-0ed0-4d5b-aefc-7fb6cb5a2c2d",
        "clientId": "61dcb9f2cdc3100001e65d52",
        "transaction": {
            "id": "62b03d177f1d6100018d6bb9",
            "transactionNumber": "62b03d11-99a7-4227-9093-a295cd278f8d",
            "txTitle": null,
            "invoice": false,
            "invoices": [],
            "address": "Edinburgh example address ",
            "lat": 0,
            "lng": 0,
            "currency": "EUR",
            "baseCurrency": "EUR",
            "total": 15.71,
            "baseTotal": 15.71,
            "totalWithoutVat": 15.71,
            "date": "2022-06-20T09:25:37.504+0000",
            "executionDate": "2022-06-20T09:26:21.641+0000",
            "localDate": "2022-06-20T09:25:37.504",
            "timeZone": "+00:00",
            "status": "ACCEPTED",
            "type": "PAYMENT",
            "group": "OUTBOUND",
            "payType": "OUTBOUND_BANK_TRANSFER",
            "card": null,
            "description": null,
            "categoryCode": "uncategorised",
            "categoryLabel": {
                "es": "Sin categorizar",
                "en": "Uncategorised",
                "de": "Nicht kategorisiert",
                "it": "Non categorizzato",
                "zh": "未分類"
            },
            "vatPercentage": 0,
            "billable": false,
            "isBaseTotalEdited": null,
            "files": [],
            "tags": [],
            "unreadComment": 0,
            "hasComments": false,
            "userName": "Roy Iwaniec",
            "userId": "61dcb9f2cdc2200001e65d53",
            "profileImage": null,
            "concept": "Cables for Mac Monitors",
            "sourceAccount": {
                "id": "61dd906d-0ed0-4d5b-aefc-7fb6cb5a2c2d",
                "type": "EUR",
                "name": "Toqio",
                "fullName": "Toqio",
                "iban": "EE387777000098863014",
                "bicSwift": "LHVBEE22",
                "ukAccountNumber": null,
                "ukSortCode": null,
                "addressStreet": "example street",
                "addressPostalCode": "9000-048",
                "addressCity": "Funchal",
                "addressIsoCountry": "GB",
                "accountAlias": "TOQIO ACCOUNT",
                "accountNumber": null,
                "caRoutingNumber": null,
                "routingNumber": null,
                "bsbCode": null
            },
            "manualTransaction": false,
            "sourceAccountType": "BI",
            "sourceAccountInfo": "LHVBEE22 / EE387777000098863014",
            "destinationAccountType": null,
            "destinationAccountInfo": null,
            "balance": 31252.63,
            "syncExpense": null,
            "refund": false,
            "isTotalWithoutVatEdited": false,
            "inClosedPeriod": false,
            "country": "PT",
            "integrityOk": true,
            "discountAmount": null,
            "discountPercentage": null,
            "charityPayment": false,
            "beneficiaryCurrencyAmount": null,
            "bankPaymentScheme": null,
            "canDownloadPaymentStatement": true,
            "reference": null,
            "meta": null,
            "billingTx": false,
            "billedTxId": null,
            "directDebit": false,
            "isInternal": false,
            "destinationAccount": null,
            "failureReason": null,
            "txFee": null,
            "triggerType": "IMMEDIATELY",
            "frequency": null,
            "transferConfig": null,
            "totalAmountRecurring": null,
            "numberOfExecutions": 0,
            "expense": null,
            "fxRate": null,
            "fixedSide": null,
            "internal": false
        }
    }
}

{
    "type": "transaction-pending",
    "payload": {
        "transactionId": "62b03ee529e0032101f3515b",
        "accountId": "62678677-e246-4564-aad5-b9fa6f213ca9",
        "clientId": "62051a8b3c84220001c5c22e",
        "transaction": {
            "id": "62b03ee529e0032101f3515b",
            "transactionNumber": "62b03ee5-7333-4054-a613-10eccc01f72a",
            "txTitle": "Revenue account",
            "invoice": false,
            "invoices": [],
            "address": null,
            "lat": 0,
            "lng": 0,
            "currency": "EUR",
            "baseCurrency": "EUR",
            "total": 0.25,
            "baseTotal": 0.25,
            "totalWithoutVat": 0.25,
            "date": "2022-06-20T09:33:25.193+0000",
            "executionDate": null,
            "localDate": "2022-06-20T09:33:25.192",
            "timeZone": "Etc/UTC",
            "status": "PENDING",
            "type": "PAYMENT",
            "group": "OUTBOUND",
            "payType": "OUTBOUND_BANK_TRANSFER",
            "card": null,
            "description": null,
            "categoryCode": "consumer_bank",
            "categoryLabel": {
                "es": "Banco",
                "en": "Bank",
                "de": "Bank",
                "it": "Banca",
                "zh": "銀行"
            },
            "vatPercentage": 0,
            "billable": false,
            "isBaseTotalEdited": null,
            "files": [],
            "tags": [],
            "unreadComment": 0,
            "hasComments": false,
            "userName": "Mikhael Adaimi",
            "userId": "62051a8b3c84220001c5c22f",
            "profileImage": null,
            "concept": "Interledger out",
            "sourceAccount": {
                "id": "62690677-e246-4564-aad5-b9fa6f213ca9",
                "type": "EUR",
                "name": "Mikhael Adaimi",
                "fullName": "Mikhael Adaimi",
                "iban": "GB61PAYR00997541211354",
                "bicSwift": "PAYRGB21",
                "ukAccountNumber": null,
                "ukSortCode": null,
                "addressStreet": null,
                "addressPostalCode": null,
                "addressCity": null,
                "addressIsoCountry": "GB",
                "accountAlias": null,
                "accountNumber": null,
                "caRoutingNumber": null,
                "routingNumber": null,
                "bsbCode": null
            },
            "manualTransaction": false,
            "sourceAccountType": "BI",
            "sourceAccountInfo": "PAYRGB21 / GB61PAYR00997541211354",
            "destinationAccountType": "BI",
            "destinationAccountInfo": "UAPALT22 / LT323981153171774287",
            "balance": 33259.13,
            "syncExpense": null,
            "refund": false,
            "isTotalWithoutVatEdited": false,
            "inClosedPeriod": false,
            "country": null,
            "integrityOk": true,
            "discountAmount": null,
            "discountPercentage": null,
            "charityPayment": false,
            "beneficiaryCurrencyAmount": null,
            "bankPaymentScheme": null,
            "canDownloadPaymentStatement": true,
            "reference": null,
            "meta": null,
            "billingTx": true,
            "billedTxId": null,
            "directDebit": false,
            "isInternal": false,
            "destinationAccount": {
                "id": "626bcd6c0cbac5000190e13a",
                "type": "EUR",
                "name": "Revenue account",
                "fullName": "Revenue account",
                "iban": "LT323980773171794287",
                "bicSwift": "UAPALT22",
                "ukAccountNumber": null,
                "ukSortCode": null,
                "addressStreet": null,
                "addressPostalCode": "MDN 1110",
                "addressCity": "Valetta",
                "addressIsoCountry": "MT",
                "accountAlias": null,
                "accountNumber": null,
                "caRoutingNumber": null,
                "routingNumber": null,
                "bsbCode": null
            },
            "failureReason": null,
            "txFee": null,
            "triggerType": "IMMEDIATELY",
            "frequency": null,
            "transferConfig": null,
            "totalAmountRecurring": null,
            "numberOfExecutions": 0,
            "expense": null,
            "fxRate": null,
            "fixedSide": null,
            "internal": false
        }
    }
}