Webhooks
You only have to provide a single webhook, which we can call. The payload will contain an event type and data appropriate to the event type. The event types and data are described in this section.
Event Types
PAYIN
The webhook payload will have the event as "PAYIN". This webhook is sent when funds are deposited into one of your main accounts or sub-accounts. This updates the status to either success or failed.
{
"event": "PAYIN",
"transaction_id": "998b2765-612e-4ce5-9cb5-8a4c31abfa16",
"amount": "1.23",
"currency": "GBP",
"status": "successful",
"type": "funds_in",
"created_at": "2024-03-04T15:04:16.430357+00:00",
"account_id": "861bee25-2394-4694-a298-78bc71893b1a",
"account_type": "main_account",
"company_id": "20e0c33b-e122-4ce2-b279-c21b992c21bf",
"updated_at": "2024-03-04T15:04:18.116459+00:00",
"reference": "Test Int PO123",
"destination_account_number": "02123040",
"destination_sort_code": "000000",
"destination_name": "Merge Growth Limited",
"source_name": "Merge Growth Limited",
"source_account_number": "03498843",
"source_sort_code": "000000",
"payment_date": "2024-03-04T15:04:16+00:00",
"payment_direction": "funds_in",
"payment_type": "payin",
"source": "incoming"
}PAYOUT
The webhook payload will have the event as PAYOUT. The webhook is sent whenever a payout instruction has finished processing from your main accounts or sub-accounts.
{
"event": "PAYOUT",
"transaction_id": "a0f5fbf9-db92-4fb8-a79a-fa892d7769d3",
"amount": "1.23",
"currency": "GBP",
"status": "successful",
"type": "funds_out",
"created_at": "2024-03-04T15:04:13.371312+00:00",
"account_id": "47006d4e-dca8-4852-a497-0a2c7ef8a247",
"account_type": "customer_account",
"company_id": "20e0c33b-e122-4ce2-b279-c21b992c21bf",
"updated_at": "2024-03-04T15:04:19.201821+00:00",
"reference": "Test Int PO123",
"destination_account_number": "02123040",
"destination_sort_code": "000000",
"destination_name": "MERGE MONEY LTD",
"destination_email": "[email protected]",
"destination_summary": "GBP Account",
"source_name": "Merge Growth Limited",
"source_account_number": "03498843",
"source_sort_code": "000000",
"payment_date": "2024-03-04T15:04:14+00:00",
"payment_direction": "funds_out",
"payment_type": "payout",
"source": "outgoing"
}PAYMENT_COMPLIANCE_STATUS
{
"event": "PAYMENT_COMPLIANCE_STATUS",
"amount": "0.82",
"compliance_status": {
"from": null,
"to": "on_hold"
},
"compliance_updated_at": "2026-01-26T08:35:19.130+00:00",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2AXXX",
"destination_iban": "NL59ABNA8424598490",
"destination_name": "Elizabeth S Smith",
"destination_sort_code": null,
"payment_date": null,
"payment_direction": "funds_out",
"payment_scheme": null,
"payment_type": "payout",
"source_account_number": null,
"source_bic": "CLRBNL2A031",
"source_iban": "NL02CLRB002823xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null,
"transaction_id": "38b51137-0a75-4403-9e0d-596832a8584f"
}{
"event": "PAYMENT_COMPLIANCE_STATUS",
"amount": "0.81",
"compliance_status": {
"from": "on_hold",
"to": "released"
},
"compliance_updated_at": "2026-01-26T08:16:39.271+00:00",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2AXXX",
"destination_iban": "NL59ABNA8424598490",
"destination_name": "Elizabeth S Smith",
"destination_sort_code": null,
"payment_date": null,
"payment_direction": "funds_out",
"payment_scheme": null,
"payment_type": "payout",
"source_account_number": null,
"source_bic": "CLRBNL2A031",
"source_iban": "NL39CLRB013389xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null,
"transaction_id": "61799552-e065-4d6a-9218-3ae12d03a746"
}{
"event": "PAYMENT_COMPLIANCE_STATUS",
"amount": "0.82",
"compliance_status": {
"from": "on_hold",
"to": "rejected"
},
"compliance_updated_at": "2026-01-26T08:36:19.142+00:00",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2AXXX",
"destination_iban": "NL59ABNA842459xxxx",
"destination_name": "Elizabeth S Smith",
"destination_sort_code": null,
"payment_date": null,
"payment_direction": "funds_out",
"payment_scheme": null,
"payment_type": "payout",
"source_account_number": null,
"source_bic": "CLRBNL2A031",
"source_iban": "NL02CLRB002823xxxx",
"source_name": "Merge Netowrks UAB",
"source_sort_code": null,
"transaction_id": "38b51137-0a75-4403-9e0d-596832a8584f"
}PAYMENT_COMPLIANCE_RETURNED
{
"event": "PAYMENT_COMPLIANCE_RETURNED",
"compliance_status": {
"from": "on_hold",
"to": "rejected"
},
"compliance_updated_at": "2026-01-26T09:31:25.467+00:00",
"payment_type": "payin",
"return_completed_date": null,
"return_initiated_date": "2026-01-26T09:31:25.904+00:00",
"return_payment_details": {
"amount": "0.01",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2Axxx",
"destination_iban": "NL47CLRB012504xxxx",
"destination_name": "Merge Networks UAB",
"destination_sort_code": null,
"payment_end_to_end_id": "P2111EHYDQ",
"payment_scheme": "PI_SEPA_INST",
"source_account_number": null,
"source_bic": null,
"source_iban": "IE28MODR9903550129xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null
},
"return_status": "return_initiated",
"return_tid": "66d1a38e-6e96-1af9-beb8-436247a5489f",
"transaction_details": {
"amount": "0.01",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2A031",
"destination_iban": "NL47CLRB012504xxxx",
"destination_name": "Merge Networks UAB",
"destination_sort_code": null,
"payment_date": "2026-01-26T09:27:39.466",
"payment_direction": "funds_in",
"source_account_number": null,
"source_bic": null,
"source_iban": "IE28MODR9903550129xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null,
"transaction_id": "a4611838-12f3-4e3e-9d1b-d5d50af2f58f"
}
}{
"event": "PAYMENT_COMPLIANCE_RETURNED",
"compliance_status": {
"from": "on_hold",
"to": "rejected"
},
"compliance_updated_at": "2026-01-26T09:31:25.467+00:00",
"payment_type": "payin",
"return_completed_date": "2026-01-26T09:31:29.438+00:00",
"return_initiated_date": null,
"return_payment_details": {
"amount": "0.01",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2Axxx",
"destination_iban": "NL47CLRB012504xxxx",
"destination_name": "Merge Networks UAB",
"destination_sort_code": null,
"payment_end_to_end_id": "P2111EHYDQ",
"payment_scheme": "PI_SEPA_INST",
"source_account_number": null,
"source_bic": null,
"source_iban": "IE28MODR9903550129xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null
},
"return_status": "return_completed",
"return_tid": "66d1a38e-6e96-1af9-beb8-436247a5489f",
"transaction_details": {
"amount": "0.01",
"currency": "EUR",
"destination_account_number": null,
"destination_bic": "CLRBNL2Axxx",
"destination_iban": "NL47CLRB012504xxxx",
"destination_name": "Merge Networks UAB",
"destination_sort_code": null,
"payment_date": "2026-01-26T09:27:39.466",
"payment_direction": "funds_in",
"source_account_number": null,
"source_bic": null,
"source_iban": "IE28MODR9903550129xxxx",
"source_name": "Merge Networks UAB",
"source_sort_code": null,
"transaction_id": "a4611838-12f3-4e3e-9d1b-d5d50af2f58f"
}
}LINKED_INDIVIDUAL_VERIFICATION
The webhook payload will have the event as "LINKED_INDIVIDUAL_VERIFICATION". This webhook is sent with details like event, client_kyc_status, and client_status when the linked individual KYC is verified successfully, or rejected, or the KYC data is invalid with the error message.
{
"event": "LINKED_INDIVIDUAL_VERIFICATION",
"client_kyc_status": "VERIFIED",
"client_status": "ACTIVE",
"error_reason": null,
"member_id": "9095cb11-47e2-4c09-8447-e1daf59f0a11",
"external_reference_id": null,
"member_type": "linked_individual"
}{
"event": "LINKED_INDIVIDUAL_VERIFICATION",
"client_kyc_status": "INVALID_DATA",
"client_status": "IN-REVIEW",
"error_reason": "[\"Post code is invalid\"]",
"member_id": "2ae40a88-c496-4567-9ee8-f51a6fb4fb26",
"external_reference_id": null,
"member_type": "linked_individual"
}LINKED_BUSINESS_VERIFICATION
The webhook payload will have the event as "LINKED_BUSINESS_VERIFICATION". This webhook is sent with details like event, client_kyb_status, and client_status when the linked business KYB is verified successfully, or rejected, or the KYB data is invalid with the error message.
{
"event": "LINKED_BUSINESS_VERIFICATION",
"client_kyb_status": "VERIFIED",
"client_status": "ACTIVE",
"error_reason": null,
"member_id": "9095cb11-47e2-4c09-8447-e1daf59f0a11",
"external_reference_id": null,
"member_type": "linked_business"
}{
"event": "LINKED_BUSINESS_VERIFICATION",
"client_kyb_status": "INVALID_DATA",
"client_status": "IN-REVIEW",
"error_reason": "[\"Post code is invalid\"]",
"member_id": "2ae40a88-c496-4567-9ee8-f51a6fb4fb26",
"external_reference_id": null,
"member_type": "linked_business"
}ACCOUNT_CREATED
When an account has been successfully created and activated with the provider, a webhook is sent containing details such as iban,bic, features etc.
{
"event": "ACCOUNT_CREATED",
"id": "35b24c2a-3e83-11ed-b878-0242ac120002",
"status": "active",
"type": "customer_account",
"currency": "GBP",
"balance": "0.00",
"account_number": "02455251",
"sort_code": "000000",
"reference": "my-client-ref",
"client_account_name": "Trading Account",
"account_name": "Trading Account",
"member_id": "b2c9c33b-e122-4ce2-b279-c21b992c21bf",
"member_type": "business",
"features": [
{
"name": "account_closure_enabled",
"description": "If true, you can close this account.",
"enabled": true
}
],
"created_at": "2024-01-15T10:30:00.000Z",
"updated_at": "2024-01-15T10:30:00.000Z"
}ACCOUNT_CLOSED
When an account is successfully closed, a webhook is sent containing details such as account_name, account_number, updated_at, and more.
{
"event": "ACCOUNT_CLOSED",
"account_name": "Merge Money Ltd",
"account_number": "04396740",
"balance": "0.00",
"client_account_name": "Operations 5 ",
"created_at": "2025-02-18T07:35:00.106+00:00",
"currency": "GBP",
"id": "b5900afd-f8a6-4f82-94b9-9c654affc200",
"member_id": "99caa460-7e29-4824-99b2-31b9fef9a195",
"member_type": "business",
"provider_reference": "Operations 54",
"reference": "Operations 54",
"sort_code": "000000",
"status": "closed",
"type": "customer_account",
"updated_at": "2025-02-18T08:06:24.285+00:00"
}
ACCOUNT_BLOCKED
{
"event": "ACCOUNT_BLOCKED",
"account_name": "Merge Networks UAB",
"balance": "0.01",
"bic": "XXXXXX22XXX",
"client_account_name": "Test sub ops account",
"created_at": "2023-07-12T12:36:36.866+00:00",
"currency": "EUR",
"iban": "XXXXXXXXX99035503409999",
"id": "dc31e82a-duga-686f-965c-2335f333ffb6",
"member_id": "b100b9f1-98be-4a51-9801-022215597a9f",
"member_type": "business",
"provider_reference": "Operations account",
"reference": "Operations account",
"status": "blocked",
"type": "customer_account",
"updated_at": "2025-08-02T10:26:22.253+00:00"
}ACCOUNT_UNBLOCKED
{
"event": "ACCOUNT_UNBLOCKED",
"account_name": "Merge Networks UAB",
"balance": "0.01",
"bic": "XXXXXX22XXX",
"client_account_name": "Test sub ops account",
"created_at": "2023-07-12T12:36:36.866+00:00",
"currency": "EUR",
"iban": "XXXXXXXXX99035503409999",
"id": "dc31e82a-duga-686f-965c-2335f333ffb6",
"member_id": "b100b9f1-98be-4a51-9801-022215597a9f",
"member_type": "business",
"provider_reference": "Operations account",
"reference": "Operations account",
"status": "active",
"type": "customer_account",
"updated_at": "2025-08-02T11:14:31.684+00:00"
}ACCOUNT_SUSPENDED
{
"event": "ACCOUNT_SUSPENDED",
"account_name": "Merge Networks UAB",
"account_number": null,
"balance": "15.00",
"bic": "CLRBNL2AXXX",
"client_account_name": "Merge Networks UAB",
"created_at": "2026-01-06T06:31:52.705583+00:00",
"currency": "EUR",
"iban": "NL39CLRB013389XXXX",
"id": "847ae9bb-3183-48af-9e04-f3031744cXXX",
"member_id": "96416495-07f3-4e04-82e0-11af7e5fxxxx",
"member_type": "business",
"provider_reference": null,
"reference": null,
"sort_code": null,
"status": "suspended",
"type": "sub_account",
"updated_at": "2026-01-26T07:39:32.495982+00:00"
}ACCOUNT_UNSUSPENDED
{
"event": "ACCOUNT_UNSUSPENDED",
"account_name": "Merge Networks UAB",
"account_number": null,
"balance": "15.00",
"bic": "CLRBNL2AXXX",
"client_account_name": "Merge Networks UAB",
"created_at": "2026-01-06T06:31:52.705583+00:00",
"currency": "EUR",
"iban": "NL39CLRB013389XXXX",
"id": "847ae9bb-3183-48af-9e04-f3031744cXXX",
"member_id": "96416495-07f3-4e04-82e0-11af7e5fxxxx",
"member_type": "business",
"provider_reference": null,
"reference": null,
"sort_code": null,
"status": "active",
"type": "sub_account",
"updated_at": "2026-01-26T07:39:32.495982+00:00"
}Updated 3 months ago
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