Payout webhooks

The Payments API sends webhooks for two of the statuses in the lifecycle of a payout: executed and failed. Learn about the other payout statuses, pending and authorized.

There are three different ways to specify the beneficiary of a payout: payouts to a payment source, payouts to an external account, and payouts to a business account. This guide includes webhook examples for payouts to each beneficiary type.

🚧
Validate webhooks
You must always verify the authenticity of incoming webhook requests. To do this, we recommend that you use the webhook signing library, allowing your application to confirm that the request originated from TrueLayer and has not been tampered with.
To allowlist TrueLayer calls, add a unique query parameter to your webhook URI for identification. For enhanced security, include a self-signed JWT token as a callback parameter, which you can then decode to verify its contents. For example: https://mywebhook.app?unique_param=x

Payout to payment source webhooks

Also called a closed-loop payout.

payout_executed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_executed`
`event_id`	string	The UUID of that specific event.
`event_version`	number	Version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`executed_at`	string	Timestamp of the event, in ISO8601 format
`beneficiary.type`	string	Value would be `payment_source`. This indicates that the payout is made to the `payment_source`.
`beneficiary.payment_source_id`	string	ID of the external account which has become a payment source.
`beneficiary.user_id`	string	ID of the user that owns the external account.
`scheme_id`	string	The id of the scheme used to execute the payout. Values are: - `unknown` - `faster_payments_service` - `internal_transfer` - `sepa_credit_transfer` - `sepa_credit_transfer_instant`
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_executed",
  "event_version": 1,
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "executed_at": "2021-12-25T15:00:00.000Z",
  "beneficiary": {
    "type": "payment_source",
    "payment_source_id": "4a59c822-3bfb-42ba-9202-b6d89988a195",
    "user_id": "a0977be8-c406-4f75-bb81-b5ca0689b29b",
  },
  "scheme_id": "faster_payments_service",
}

payout_failed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_failed`
`event_id`	string	The UUID of that specific event
`event_version`	number	The version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`failed_at`	string	Timestamp of the event, in ISO8601 format
`failure_reason`	string	The reason of the payout failure
`beneficiary.type`	string	Value would be `payment_source`. This indicates that the payout is made to the `payment_source`.
`beneficiary.payment_source_id`	string	ID of the external account which has become a payment source.
`beneficiary.user_id`	string	ID of the user that owns the external account.
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_failed",
  "event_version": 1,
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "failed_at": "2021-12-25T15:00:00.000Z",
  "failure_reason": "insufficient_funds",
  "beneficiary": {
    "type": "payment_source",
    "payment_source_id": "9ac7ab1f-6229-47db-9e17-81072d2dbdf3",
    "user_id": "9775a22c-23c7-41c8-9e7c-1508997db9c0",
  }
}

Payout to an external account webhooks

When you make a payout to an external account with its own specified account identifiers. This is also called an open-loop payout.

payout_executed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_executed`
`event_id`	string	The UUID of that specific event
`event_version`	number	The version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`executed_at`	datetime	Timestamp of the event, in ISO8601 format
`beneficiary.type`	string	Value will be `external_account`
`beneficiary.account_holder_name_verification`	string	An object that includes information about account holder verification performed on the beneficiary. Only applicable in EUR payouts.
`beneficiary.account_holder_name_verification.status`	string	Includes the result of the verification attempt, plus any other information. Can be `completed` or `failed`.
`beneficiary.account_holder_name_verification.failure_reason`	string	Details about why account holder verification failed. You only see this field alongside a `status` of `failed`. Possible failure reasons include: `Bank unable to match`: The bank account is closed, or could not be found, or another similar error. `Party agent not part of scheme`: This bank is not part of the verification scheme. `VoP scheme provider error`: There's a failure with one of the providers in the scheme. (We recommend retrying when you receive this error.)
`beneficiary.account_holder_name_verification.match_result`	string	If the match is completed, this object includes the result of the account holder verification check and any additional information.
`beneficiary.account_holder_name_verification.match_result.type`	string	Can be: - no_match - full_match - match_not_possible, where you also get a failure reason explaining what went wrong - partial_match, where you also get the name that the bank expects to see
`beneficiary.account_holder_name_verification.match_result.reason`	string	The reason that the account holder's name and details couldn't be verified. You only see this field alongside a match result of `match_not_possible`
`beneficiary.account_holder_name_verification.match_result.account_holder_name`	string	The `name` that the bank expects to see, if the name that your user provided partially but not completely matches the name on file at the bank. You only see this field alongside a match result of `partial_match`
`scheme_id`	string	ID representing the payment scheme that the payout was made on.

payout_failed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_failed`
`event_id`	string	The UUID of that specific event
`event_version`	number	The version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`failed_at`	string	Timestamp of the event, in ISO8601 format
`failure_reason`	string	The reason of the payout failure
`beneficiary.type`	string	Value will be `external_account`
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_executed",
  "event_version": 1,
  "beneficiary": {
    "type": "external_account",
    "account_holder_verification": {
      "status": "completed",
      "match_result": {
        "type": "match"
      }
    }
  },
  "executed_at": "2021-12-25T15:00:00.000Z",
  "scheme_id": "faster_payments_service",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941"
}

{
  "type": "payout_failed",
  "event_version": 1,
  "event_id": "24089aed-4fd4-9e13-f8b2-f458f30c836c",
  "payout_id": "0a495e9f-2f41-4669-ba33-85407c0b26cb",
  "failed_at": "2024-01-12T14:56:05.117850644Z",
  "failure_reason": "insufficient_funds",
  "beneficiary": {
    "type": "external_account"
  }
}

Verified payout webhooks

Webhooks for a verified payout contain more information.

payout_executed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_executed`
`event_id`	string	The UUID for that specific event
`event_version`	number	Version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`executed_at`	string	Timestamp of the event, in ISO8601 format
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.
`beneficiary.type`	string	The type of bank account you're paying out to. Can be `external_account`, `payment_source`, `user_determined` or `business_account`.
`beneficiary.account_holder_name_verification`	string	An object that includes information about account holder verification performed on the beneficiary.
`beneficiary.account_holder_name_verification.outcome`	string	An object inside `account_holder_name_verification` that includes the result of the verification attempt, plus any other information.
`beneficiary.account_holder_name_verification.outcome.type`	string	The result of account holder name verification. Can be: - `no_match` - `full_match` - `match_not_possible`, where you also get a failure reason explaining what went wrong - `partial_match`, where you also get the `name` that the bank expects to see
`beneficiary.account_holder_name_verification.outcome.name`	string	The `name` that the bank expects to see, if the name that your user provided partially but not completely matches the name on file at the bank. You only see this field alongside an `outcome.type` of `partial_match`
`beneficiary.account_holder_name_verification.outcome.failure_reason`	string	Details about why account holder verification failed. You only see this field alongside an `outcome.type` of `match_not_possible`.
`beneficiary.user.id`	string	A UUID that represents the user.
`beneficiary.provider_id`	string	The `provider_id` that represents the bank the payout is being made to.
`beneficiary.account_holder_name`	string	The name of the beneficiary.
`beneficiary.account_identifiers.type`	string	Can be `sort_code_account_number` or `iban`.
`scheme_id`	string	The id of the scheme used to execute the payout. Values are: - `unknown` - `faster_payments_service` - `internal_transfer` - `sepa_credit_transfer` - `sepa_credit_transfer_instant`

{
  "type": "payout_executed",
  "event_version": 1,
  "beneficiary": {
    "type": "external_account",
    "account_holder_name_verification": {
      "outcome": {
        "type": "partial_match",
        "name": "John Sandbridge"
      }
    },
    "user_id": "string"
  },
  "metadata": {
    "prop1": "value1",
    "prop2": "value2"
  },
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "executed_at": "2021-12-25T15:00:00.000Z",
  "scheme_id": "faster_payments_service"
}

payout_failed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_failed`
`event_id`	string	The UUID of that specific event
`event_version`	number	Version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`failed_at`	string	Timestamp of the event, in ISO8601 format
`failure_reason`	string	The reason of the payout failure
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_failed",
  "event_version": 1,
  "event_id": "f8a144dc-a550-4681-844b-4de231ec3764",
  "payout_id": "f8a144dc-a550-4681-844b-4de231ec3764",
  "failed_at": "2022-09-14T16:41:21.006718283Z",
  "failure_reason": "insufficient_funds",
  "beneficiary": {
    "type": "user_determined",
    "account_holder_name": "John Doe",
    "account_identifier": {
      "type": "sort_code_account_number",
      "sort_code": "040075",
      "account_number": "58114637"
    }
  },
  "merchant_account_id": "a1b2c3d4-e5f6-7890-abcd-1234567890ef",
  "current_balance_in_minor": 500000,
  "available_balance_in_minor": 450000,
  "metadata": {
    "order_id": "12345",
    "customer_id": "67890"
  }
}

Payout to a business account

When you make a payout to the linked business account you specified during your onboarding with TrueLayer.

payout_executed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_executed`
`event_id`	string	The UUID of that specific event.
`event_version`	number	Version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`executed_at`	string	Timestamp of the event, in ISO8601 format
`beneficiary.type`	string	Value would be `business_account`
`scheme_id`	string	The id of the scheme used to execute the payout. Values are: - `unknown` - `faster_payments_service` - `internal_transfer` - `sepa_credit_transfer` - `sepa_credit_transfer_instant`
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The avilable balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_executed",
  "event_version": 1,
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "executed_at": "2021-12-25T15:00:00.000Z",
  "beneficiary": {
    "type": "business_account"
  },
  "scheme_id": "faster_payments_service",
}

payout_failed

Field	Type	Description
`type`	string	Type of the event. In this case, it would be: `payout_failed`
`event_id`	string	The UUID of that specific event.
`event_version`	number	Version of the event
`payout_id`	string	UUID of the payout for which the webhook is being sent
`failed_at`	string	Timestamp of the event, in ISO8601 format
`beneficiary.type`	string	Value would be `business_account`.
`merchant_account_id`	string	The merchant account the payout was made from.
`current_balance_in_minor`	number	The current balance of the merchant account in minor.
`available_balance_in_minor`	number	The available balance of the merchant account in minor.
`metadata`	string	Optional field for adding custom key-value data to a resource. This object can contain a maximum of 10 key-value pairs, each with a maximum key length of 40 characters and a maximum value length of 500 characters.

{
  "type": "payout_failed",
  "event_version": 1,
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "failed_at": "2021-12-25T15:00:00.000Z",
  "beneficiary": {
    "type": "business_account"
  }
}

{
  "type": "payout_failed",
  "event_version": 1,
  "event_id": "b8d4dda0-ff2c-4d77-a6da-4615e4bad941",
  "payout_id": "0cd1b0f7-71bc-4d24-b209-95259dadcc20",
  "failed_at": "2021-12-25T15:00:00.000Z",
  "beneficiary": {
    "type": "business_account"
  }
}

🚧Validate webhooks

Payout to payment source webhooks

payout_executed

payout_failed

Payout to an external account webhooks

payout_executed

payout_failed

Verified payout webhooks

payout_executed

payout_failed

Payout to a business account

payout_executed

payout_failed

🚧
Validate webhooks