Card Transaction Approved

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "c9d0e1f2-a3b4-5678-2345-6789abcdef01",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "PENDING",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:32:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "d1e2f3a4-b5c6-7890-3456-789abcdef012",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "e2f3a4b5-c6d7-8901-4567-89abcdef0123",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_fee_a4e8f2b6_20260510143300",
    "originalReference": "hos_tx_a4e8f2b6_20260510143200",
    "type": "DEBIT",
    "amount": 1.50,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Cross-border Fee",
    "network": null,
    "authorizationCode": null,
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:01Z"
  }
}

{}

WEBHOOK

card.transaction.approved

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "c9d0e1f2-a3b4-5678-2345-6789abcdef01",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "PENDING",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:32:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "d1e2f3a4-b5c6-7890-3456-789abcdef012",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "e2f3a4b5-c6d7-8901-4567-89abcdef0123",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_fee_a4e8f2b6_20260510143300",
    "originalReference": "hos_tx_a4e8f2b6_20260510143200",
    "type": "DEBIT",
    "amount": 1.50,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Cross-border Fee",
    "network": null,
    "authorizationCode": null,
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:01Z"
  }
}

{}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "c9d0e1f2-a3b4-5678-2345-6789abcdef01",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "PENDING",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:32:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "d1e2f3a4-b5c6-7890-3456-789abcdef012",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_tx_a4e8f2b6_20260510143200",
    "originalReference": null,
    "type": "DEBIT",
    "amount": 49.99,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Card Charge",
    "network": "VISA",
    "authorizationCode": "AUTH123",
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:00Z"
  }
}

{
  "event": "card.transaction.approved",
  "version": "3.0",
  "eventId": "e2f3a4b5-c6d7-8901-4567-89abcdef0123",
  "sign": "a1b2c3d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2",
  "data": {
    "cardId": "a4e8f2b6c9d1e3f7a2b5c8d0e4f1a3b6c9d2e5f8a1b4c7d0e3",
    "cardholderId": "8f4e2a1b3c5d7e9f0a2b4c6d8e0f1a3b5c7d",
    "reference": "hos_fee_a4e8f2b6_20260510143300",
    "originalReference": "hos_tx_a4e8f2b6_20260510143200",
    "type": "DEBIT",
    "amount": 1.50,
    "currency": "USD",
    "merchant": {
      "name": "AMAZON MARKETPLACE",
      "country": "US",
      "mcc": "5999"
    },
    "category": "Cross-border Fee",
    "network": null,
    "authorizationCode": null,
    "status": "APPROVED",
    "appId": "A1B2C3D4E5F6G7H8",
    "timestamp": "2026-05-10T14:35:01Z"
  }
}

{}

Event Flow

Card charge events follow a two-phase pattern:

PENDING — sent immediately when the authorization is captured (before settlement). status is "PENDING".
APPROVED — sent again when the charge settles. status is "APPROVED".

If the original authorization is reversed at settlement, the second event has status: "REVERSED" (see card.transaction.reversed for a standalone reversal). Fee events (Cross-border Fee, Decline Fee (Domestic), Decline Fee (International)) are always sent with status: "APPROVED" and include originalReference pointing to the charge that triggered the fee.

Payload Fields

Field	Type	Description
`cardId`	string	Your card identifier
`cardholderId`	string	Cardholder identifier
`reference`	string \| null	Unique transaction reference
`originalReference`	string \| null	Reference of the parent charge (fee events only)
`type`	string	Always `"DEBIT"`
`amount`	number	Transaction amount
`currency`	string	Currency code (e.g., `"USD"`)
`merchant.name`	string	Merchant name
`merchant.country`	string \| null	Merchant country code
`merchant.mcc`	string \| null	Merchant category code
`category`	string	One of: `"Card Charge"`, `"Cross-border Fee"`, `"Decline Fee (Domestic)"`, `"Decline Fee (International)"`
`network`	string \| null	Card network (e.g., `"VISA"`, `"MASTERCARD"`)
`authorizationCode`	string \| null	Authorization code from the network
`status`	string	`"PENDING"`, `"APPROVED"`, or `"REVERSED"`

Body

application/json

event

string

The event type identifier (e.g. card.funded).

version

string

Webhook payload version.

sign

string

HMAC-SHA256 signature of the data object using your webhook secret. Always verify this before processing.

data

object

Show child attributes

Response

200

Acknowledge receipt of the event

Guides

Configuration

Cards

Cardholder Events

Collection Events

Payout Events

Refund Events

Event Flow

Payload Fields

Body

Response

​Event Flow

​Payload Fields

Body

Response

Event Flow

Payload Fields