> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://developers.upwardli.com/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers.upwardli.com/_mcp/server. # Webhook Event Catalog ## Bank Account Management Webhooks Bank Account Management Webhooks report activity related to user-owned bank accounts, including any external account linking. | Event Name | Description | | --------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- | | Consumer.BankAccount.Created | Sent once a new bank account is associated/added to their profile. | | Consumer.BankAccount.Deleted | Sent once a new bank account is removed from their profile. | | Consumer.BankAccount.VerificationFailed | Sent when a linked bank account fails verification and is deactivated - currently when the account holder's identity does not match the consumer on file. | ## Consumer Webhooks The Consumer webhooks provide notifications about updates to consumers in your Upward Tennant. | Event Name | Description | | ---------------- | ------------------------------------------- | | Consumer.Created | Sent once a consumer is created. | | Consumer.Updated | Sent any time a consumer object is updated. | | Consumer.Closed | Sent when a consumer account is closed. | ### Consumer KYC Webhooks The Consumer KYC Webhooks provide notifications about the status of their KYC session | Event Name | Description | | ------------------------ | --------------------------------------------------------------------------------- | | Consumer.KYC.Approved | Sent once a Consumer is fully KYC approved | | Consumer.KYC.Completed | Sent once a Consumer has completed filling out data in an interactive KYC session | | Consumer.KYC.Failed | Sent when a Consumer fails KYC | | Consumer.KYC.NeedsReview | Sent if a Consumer's KYC data needs further review | | Consumer.KYC.Pending | Sent once a Consumer's KYC session is Pending | | Consumer.KYC.Started | Sent once a Consumer has begun the KYC process | ### Consumer Underwriting Webhooks The Consumer Underwriting Webhooks provide notifications about their pre-loan underwriting | Event Name | Description | | ------------------------------ | ----------------------------------------------- | | Consumer.Underwriting.Approved | Sent once a Consumer's Underwriting is approved | | Consumer.Underwriting.Failed | Sent when a Consumer has failed Underwriting | ## Credit Line Webhooks The Credit-Line webhooks provide notifications about updates to consumers' credit lines. | Event Name | Description | | ------------------ | --------------------------------------- | | CreditLine.Created | Sent once a new Credit Line is created | | CreditLine.Updated | Sent once a Credit Line is updated | | CreditLine.Closed | Sent once a Credit Line has been closed | ### Credit Line Transaction Webhooks | Event Name | Description | | ------------------------------- | ----------------------------------------- | | CreditLine.Transaction.Created | Sent once a new transaction is created | | CreditLine.Transaction.Cleared | Sent once a transaction is cleared | | CreditLine.Transaction.Closed | Sent once a transaction has been closed | | CreditLine.Transaction.Canceled | Sent once a transaction has been canceled | | CreditLine.Transaction.Reversed | Sent once a transaction has been reversed | ## Payment Webhooks Payment webhooks are broken down into the following categories: * ACH Payments * AFT / OCT Payments * Book Transfers * Instant Payments * P2P Payments ### ACH Payment Webhooks ACH Webhooks report updates during the lifecycle of an ACH Request. | Event Name | Description | | --------------------- | ----------------------------------------------------------------------------------------------------------------------------- | | Payment.ACH.Created | Sent once an internally-originated ACH Payment is created. | | Payment.ACH.Completed | Sent when an internally-originated ACH Payment is completed and funds have settled. | | Payment.ACH.Failed | Sent when an internally-originated ACH Payment fails - usually due to insufficient balance or incorrect sender/receiver data. | | Payment.ACH.Canceled | Sent when an internally-originated ACH Payment is canceled - usually via API or support action. | | Payment.Ach.Received | Send when an externally-originated ACH Payment request is received from a remote bank | ### AFT / OCT Payment Webhooks AFT (incoming) Payment Webhooks report updates during the lifecycle of an card payment Request. | Event Name | Description | | --------------------- | ------------------------------------------------ | | Payment.Aft.Created | Sent once an AFT Payment is created. | | Payment.Aft.Sent | Sent once an AFT Payment is sent to the network. | | Payment.Aft.Completed | Sent once an AFT Payment has been completed. | | Payment.Aft.Failed | Sent once an AFT Payment fails. | | Payment.Aft.Canceled | Sent once an AFT Payment is canceled. | OCT (outbound) Payment Webhooks report updates during the lifecycle of an card payment Request. | Event Name | Description | | --------------------- | ------------------------------------------------ | | Payment.Oct.Created | Sent once an OCT Payment is created. | | Payment.Oct.Sent | Sent once an OCT Payment is sent to the network. | | Payment.Oct.Completed | Sent once an OCT Payment has been completed. | | Payment.Oct.Failed | Sent once an OCT Payment fails. | | Payment.Oct.Canceled | Sent once an OCT Payment is canceled. | ### Instant Payment Webhooks Instant Payment Webhooks report updates during the lifecycle of an Instant Payment Request. | Event Name | Description | | ------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- | | Payment.Instant.Created | Sent once an Instant Payment is created. | | Payment.Instant.Sent | Sent once an Instant Payment is completed and funds have settled. Payment.Instant.Completed webhook can be used interchangeable with Payment.Instant.Sent | | Payment.Instant.Completed | Sent when an Instant Payment is completed and funds have settled. | | Payment.Instant.Failed | Sent when an Instant Payment fails - usually due to insufficient balance or incorrect sender/receiver data. | | Payment.Instant.Canceled | Sent when an Instant Payment is canceled - usually via API or support action. | ### P2P Payment Webhooks P2P Payment Webhooks report updates during the lifecycle of a peer-to-peer transfer between two consumers on your partner network. | Event Name | Description | | --------------------- | ------------------------------------------------------------------------------------------------------ | | Payment.P2P.Created | Sent once a P2P payment is submitted and in process. Not sent for payments in `pending_review` status. | | Payment.P2P.Completed | Sent when a P2P payment is completed and funds have settled. | | Payment.P2P.Failed | Sent when a P2P payment fails — usually due to a core banking error. | | Payment.P2P.Canceled | Sent when a P2P payment is canceled. | ### Book Transfer Webhooks Book Transfer Webhooks report updates during the lifecycle of a Book Transfer Request. | Event Name | Description | | -------------------------- | ----------------------------------------------------------------------------------------------------------- | | Payment.Transfer.Created | Sent once an Instant Payment is created. | | Payment.Transfer.Completed | Sent when an Instant Payment is completed and funds have settled. | | Payment.Transfer.Failed | Sent when an Instant Payment fails - usually due to insufficient balance or incorrect sender/receiver data. | | Payment.Transfer.Canceled | Sent when an Instant Payment is canceled - usually via API or support action. | ## Payment Card Webhooks Payment Card Webhooks report updates during the lifecycle of a Consumer's Payment Card. | Event Name | Description | | -------------------- | ---------------------------------------------- | | PaymentCard.Created | Sent once a Payment Card is created. | | PaymentCard.Updated | Sent once a Payment Card is updated. | | PaymentCard.Closed | Sent once a Payment Card is closed. | | PaymentCard.Frozen | Sent once a Payment Card is frozen. | | PaymentCard.Unfrozen | Sent once a Payment Card is unfrozen. | | PaymentCard.Replaced | Sent once a Payment Card is replaced. | | PaymentCard.Lost | Sent once a Payment Card is marked as lost. | | PaymentCard.Stolen | Sent once a Payment Card is marked as stolen. | | PaymentCard.PinReset | Sent once a Payment Card's PIN has been reset. | ### Payment Card Advance Webhooks Payment Card Advance Webhooks report on advances drawn on a Payment Card and the payments made against them. See [Payment Card Advance](/products/credit-builder-card-advance). | Event Name | Description | | --------------------------------- | ----------------------------------------------------------------------- | | PaymentCard.Advance.Created | Sent once an advance has been drawn and the funds sent to the consumer. | | PaymentCard.Advance.Error | Sent when an advance draw fails. No funds were moved. | | PaymentCard.Advance.Payment | Sent once a payment against an advance has been posted. | | PaymentCard.Advance.Payment.Error | Sent when a payment against an advance fails. No funds were moved. | | PaymentCard.Advance.Completed | Sent once an advance has been paid in full and closed. | ### Payment Card Transaction Webhooks Payment Card Transaction Webhooks report information about transactions | Event Name | Description | | ----------------------------------- | -------------------------------------------------------------- | | PaymentCard.Transaction.Auth | Sent once a Payment Card Transaction is authorized. | | PaymentCard.Transaction.AuthExpired | Sent if a Payment Card Transaction's is authorization expires. | | PaymentCard.Transaction.Settlement | Sent once a Payment Card Transaction has settled. | | PaymentCard.Transaction.Archived | Sent once a Payment Card Transaction is Archived. | | PaymentCard.Transaction.Adjustment | Sent once a Payment Card Transaction data has been adjusted. | | PaymentCard.atm.load | Sent once funds have been loaded via an ATM deposit. | ## Onboarding Workflow Webhooks Onboarding workflow webhooks are sent when an onboarding workflow is started, completes, and at the conclusion of each step | Event Name | Description | | ---------------------------------------- | ---------------------------------------------------------------- | | Onboarding.Started | Sent when a new onboarding workflow is created | | Onboarding.Completed | Sent when a new onboarding workflow is successfully completed | | Onboarding.SelectProduct.Completed | Sent when the "Select Product" step completes successfully | | Onboarding.SelectProduct.Failed | Sent when the "Select Product" step is unsuccessful | | Onboarding.VerifyIdentity.Completed | Sent when the "Verify Identity" step completes successfully | | Onboarding.VerifyIdentity.Failed | Sent when the "Verify Identity" step is unsuccessful | | Onboarding.PerformUnderwriting.Completed | Sent when the "Perform Underwriting" step completes successfully | | Onboarding.PerformUnderwriting.Failed | Sent when the "Perform Underwriting" step is unsuccessful | | Onboarding.AcceptTerms.Completed | Sent when the "Accept Terms" step completes successfully | | Onboarding.AcceptTerms.Failed | Sent when the "Accept Terms" step is unsuccessful | | Onboarding.SubmitLoan.Completed | Sent when the "Submit Loan" step completes successfully | | Onboarding.SubmitLoan.Failed | Sent when the "Submit Loan" step is unsuccessful | | Onboarding.Enablement.Completed | Sent when the "Enablement" step completes successfully | | Onboarding.Enablement.Failed | Sent when the "Enablement" step is unsuccessful | | Onboarding.LinkBankAccount.Completed | Sent when the "Link Bank Account" step completes successfully | | Onboarding.LinkBankAccount.Failed | Sent when the "Link Bank Account" step is unsuccessful | | Onboarding.BillDetails.Completed | Sent when the "Bill Details" step completes successfully | | Onboarding.BillDetails.Failed | Sent when the "Bill Details" step is unsuccessful |