API reference

Webhook events

A2A InstaPay sends a signed event to your endpoint every time a record changes. There are 27 event types. Each event carries the full object after the change and the previous values of the fields that changed.

Method and body	`POST` with an Event object as JSON
Signature	`A2A-Signature: t=<unix seconds>,v1=<hex HMAC-SHA256>` over `t + "." + raw body`, one `v1` for each active signing secret
Other headers	`A2A-Event-Id`, `A2A-Event-Type`
Acknowledge	Any 2xx status within 10 seconds. Redirects are not followed.
Retries	1 minute, 5 minutes, 30 minutes, 2 hours, 6 hours, 12 hours, 24 hours, then every 12 hours until 72 hours after the first attempt
Examples file	One example of every event (JSON)

Verification code in Node.js, Python and C# is in the webhooks guide.

customer#

`customer.verification.updated`#

A verification status changes

data.object is a Customer object.

Example event

{
  "id": "evt_01Uj8Ik2Ol4",
  "object": "event",
  "type": "customer.verification.updated",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "cus_c9T2kXq4Lm",
      "object": "customer",
      "type": "individual",
      "external_ref": "member-10482",
      "email": "member@example.com",
      "mobile_number_last4": "4821",
      "business": null,
      "verification": {
        "status": "approved",
        "updated_at": "2026-10-15T14:04:10Z",
        "retry_available_at": null
      },
      "account_id": "acct_c3J8vN2Qe6",
      "pin_locked": false,
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 4
    },
    "previous_attributes": {
      "verification": {
        "status": "pending"
      },
      "account_id": null
    }
  }
}

`customer.updated`#

Customer details change, including the PIN being unlocked

data.object is a Customer object.

Example event

{
  "id": "evt_02Uj8Ik2Ol4",
  "object": "event",
  "type": "customer.updated",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "cus_c9T2kXq4Lm",
      "object": "customer",
      "type": "individual",
      "external_ref": "member-10482",
      "email": "member@example.com",
      "mobile_number_last4": "4821",
      "business": null,
      "verification": {
        "status": "approved",
        "updated_at": "2026-10-15T14:04:10Z",
        "retry_available_at": null
      },
      "account_id": "acct_c3J8vN2Qe6",
      "pin_locked": false,
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 4
    },
    "previous_attributes": {
      "pin_locked": true
    }
  }
}

`customer.pin_locked`#

The PIN is locked after failed attempts

data.object is a Customer object.

Example event

{
  "id": "evt_03Uj8Ik2Ol4",
  "object": "event",
  "type": "customer.pin_locked",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "cus_c9T2kXq4Lm",
      "object": "customer",
      "type": "individual",
      "external_ref": "member-10482",
      "email": "member@example.com",
      "mobile_number_last4": "4821",
      "business": null,
      "verification": {
        "status": "approved",
        "updated_at": "2026-10-15T14:04:10Z",
        "retry_available_at": null
      },
      "account_id": "acct_c3J8vN2Qe6",
      "pin_locked": true,
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 4
    },
    "previous_attributes": {
      "pin_locked": false
    }
  }
}

account#

`account.created`#

A Digital Account is opened

data.object is a Account object.

Example event

{
  "id": "evt_04Uj8Ik2Ol4",
  "object": "event",
  "type": "account.created",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "acct_c3J8vN2Qe6",
      "object": "account",
      "customer_id": "cus_c9T2kXq4Lm",
      "type": "consumer",
      "status": "active",
      "currency": "USD",
      "opened_at": "2026-10-15T14:04:10Z",
      "closed_at": null,
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 1
    },
    "previous_attributes": null
  }
}

`account.suspended`#

An account is suspended

data.object is a Account object.

Example event

{
  "id": "evt_05Uj8Ik2Ol4",
  "object": "event",
  "type": "account.suspended",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "acct_c3J8vN2Qe6",
      "object": "account",
      "customer_id": "cus_c9T2kXq4Lm",
      "type": "consumer",
      "status": "suspended",
      "currency": "USD",
      "opened_at": "2026-10-15T14:04:10Z",
      "closed_at": null,
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "active"
    }
  }
}

`account.reactivated`#

A suspended account is reactivated

data.object is a Account object.

Example event

{
  "id": "evt_06Uj8Ik2Ol4",
  "object": "event",
  "type": "account.reactivated",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "acct_c3J8vN2Qe6",
      "object": "account",
      "customer_id": "cus_c9T2kXq4Lm",
      "type": "consumer",
      "status": "active",
      "currency": "USD",
      "opened_at": "2026-10-15T14:04:10Z",
      "closed_at": null,
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "suspended"
    }
  }
}

`account.dormant`#

An account becomes dormant

data.object is a Account object.

Example event

{
  "id": "evt_07Uj8Ik2Ol4",
  "object": "event",
  "type": "account.dormant",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "acct_c3J8vN2Qe6",
      "object": "account",
      "customer_id": "cus_c9T2kXq4Lm",
      "type": "consumer",
      "status": "dormant",
      "currency": "USD",
      "opened_at": "2026-10-15T14:04:10Z",
      "closed_at": null,
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "active"
    }
  }
}

`account.closed`#

An account is closed

data.object is a Account object.

Example event

{
  "id": "evt_08Uj8Ik2Ol4",
  "object": "event",
  "type": "account.closed",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "acct_c3J8vN2Qe6",
      "object": "account",
      "customer_id": "cus_c9T2kXq4Lm",
      "type": "consumer",
      "status": "closed",
      "currency": "USD",
      "opened_at": "2026-10-15T14:04:10Z",
      "closed_at": "2026-10-15T14:05:41Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "closing"
    }
  }
}

linked account#

`linked_account.verified`#

A linked account passes its checks

data.object is a LinkedAccount object.

Example event

{
  "id": "evt_09Uj8Ik2Ol4",
  "object": "event",
  "type": "linked_account.verified",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "la_5Gh2Xw8Pq1",
      "object": "linked_account",
      "customer_id": "cus_c9T2kXq4Lm",
      "status": "verified",
      "institution_name": "First Community Bank",
      "account_type": "checking",
      "account_mask": "6623",
      "capabilities": {
        "withdrawal": true,
        "load": true,
        "pay_by_bank": true
      },
      "withdrawal_hold_until": "2026-10-16T14:05:41Z",
      "failure_code": null,
      "created_at": "2026-10-15T14:05:41Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 3
    },
    "previous_attributes": {
      "status": "pending"
    }
  }
}

`linked_account.failed`#

A linked account fails its checks

data.object is a LinkedAccount object.

Example event

{
  "id": "evt_10Uj8Ik2Ol4",
  "object": "event",
  "type": "linked_account.failed",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "la_5Gh2Xw8Pq1",
      "object": "linked_account",
      "customer_id": "cus_c9T2kXq4Lm",
      "status": "failed",
      "institution_name": "First Community Bank",
      "account_type": "checking",
      "account_mask": "6623",
      "capabilities": {
        "withdrawal": false,
        "load": false,
        "pay_by_bank": false
      },
      "withdrawal_hold_until": null,
      "failure_code": "ownership_mismatch",
      "created_at": "2026-10-15T14:05:41Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 3
    },
    "previous_attributes": {
      "status": "held_for_review"
    }
  }
}

`linked_account.removed`#

A linked account is removed

data.object is a LinkedAccount object.

Example event

{
  "id": "evt_11Uj8Ik2Ol4",
  "object": "event",
  "type": "linked_account.removed",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "la_5Gh2Xw8Pq1",
      "object": "linked_account",
      "customer_id": "cus_c9T2kXq4Lm",
      "status": "removed",
      "institution_name": "First Community Bank",
      "account_type": "checking",
      "account_mask": "6623",
      "capabilities": {
        "withdrawal": false,
        "load": false,
        "pay_by_bank": false
      },
      "withdrawal_hold_until": null,
      "failure_code": null,
      "created_at": "2026-10-15T14:05:41Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 3
    },
    "previous_attributes": {
      "status": "verified"
    }
  }
}

load#

`load.settled`#

A load is credited

data.object is a Load object.

Example event

{
  "id": "evt_12Uj8Ik2Ol4",
  "object": "event",
  "type": "load.settled",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:05:41Z",
  "data": {
    "object": {
      "id": "load_7Ty4Ui2Op9",
      "object": "load",
      "customer_id": "cus_c9T2kXq4Lm",
      "account_id": "acct_c3J8vN2Qe6",
      "linked_account_id": "la_5Gh2Xw8Pq1",
      "amount": 10000,
      "currency": "USD",
      "status": "settled",
      "failure_code": null,
      "created_at": "2026-10-15T14:03:22Z",
      "confirmed_at": "2026-10-15T14:04:10Z",
      "settled_at": "2026-10-15T14:05:41Z",
      "updated_at": "2026-10-15T14:05:41Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "processing"
    }
  }
}

`load.failed`#

A load fails

data.object is a Load object.

Example event

{
  "id": "evt_13Uj8Ik2Ol4",
  "object": "event",
  "type": "load.failed",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:05:41Z",
  "data": {
    "object": {
      "id": "load_7Ty4Ui2Op9",
      "object": "load",
      "customer_id": "cus_c9T2kXq4Lm",
      "account_id": "acct_c3J8vN2Qe6",
      "linked_account_id": "la_5Gh2Xw8Pq1",
      "amount": 10000,
      "currency": "USD",
      "status": "failed",
      "failure_code": "request_expired",
      "created_at": "2026-10-15T14:03:22Z",
      "confirmed_at": "2026-10-15T14:04:10Z",
      "settled_at": null,
      "updated_at": "2026-10-15T14:05:41Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "processing"
    }
  }
}

payment request#

`payment_request.paid`#

A dynamic payment request is paid

data.object is a PaymentRequest object.

Example event

{
  "id": "evt_14Uj8Ik2Ol4",
  "object": "event",
  "type": "payment_request.paid",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "pr_1Zx4Cv7Bn5",
      "object": "payment_request",
      "type": "dynamic",
      "merchant_customer_id": "cus_m7R5pWz1Hd",
      "amount": 2500,
      "currency": "USD",
      "order_reference": "ORD-55120",
      "collection_point": null,
      "status": "paid",
      "qr_payload": "A2AQR1.pr_1Zx4Cv7Bn5.MEUCIQDf3k9sample",
      "expires_at": "2026-10-22T14:03:22Z",
      "paid_payment_id": "pay_3As6Df9Gh2",
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "open"
    }
  }
}

`payment_request.expired`#

A dynamic payment request expires

data.object is a PaymentRequest object.

Example event

{
  "id": "evt_15Uj8Ik2Ol4",
  "object": "event",
  "type": "payment_request.expired",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "pr_1Zx4Cv7Bn5",
      "object": "payment_request",
      "type": "dynamic",
      "merchant_customer_id": "cus_m7R5pWz1Hd",
      "amount": 2500,
      "currency": "USD",
      "order_reference": "ORD-55120",
      "collection_point": null,
      "status": "expired",
      "qr_payload": "A2AQR1.pr_1Zx4Cv7Bn5.MEUCIQDf3k9sample",
      "expires_at": "2026-10-22T14:03:22Z",
      "paid_payment_id": null,
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "open"
    }
  }
}

`payment_request.canceled`#

A payment request is canceled

data.object is a PaymentRequest object.

Example event

{
  "id": "evt_16Uj8Ik2Ol4",
  "object": "event",
  "type": "payment_request.canceled",
  "api_version": "v1",
  "environment": "sandbox",
  "created_at": "2026-10-15T14:04:10Z",
  "data": {
    "object": {
      "id": "pr_1Zx4Cv7Bn5",
      "object": "payment_request",
      "type": "dynamic",
      "merchant_customer_id": "cus_m7R5pWz1Hd",
      "amount": 2500,
      "currency": "USD",
      "order_reference": "ORD-55120",
      "collection_point": null,
      "status": "canceled",
      "qr_payload": "A2AQR1.pr_1Zx4Cv7Bn5.MEUCIQDf3k9sample",
      "expires_at": "2026-10-22T14:03:22Z",
      "paid_payment_id": null,
      "created_at": "2026-10-15T14:03:22Z",
      "updated_at": "2026-10-15T14:04:10Z",
      "version": 2
    },
    "previous_attributes": {
      "status": "open"
    }
  }
}