Event Reference

Full catalogue of webhook events Zertiban emits on every relevant state change.

Webhook events are the primary real-time sync mechanism between Zertiban and the customer's integrated systems. Every relevant change in the life cycle of a flow, an operation or a PSD2 payment automatically produces a signed webhook event, so external systems can react immediately without polling the API.

Webhook delivery must be enabled with Zertiban beforehand. During onboarding the customer must provide:

• The receiving HTTPS endpoint.
• The environment: Sandbox or Production.
• The webhook event types to subscribe to.

Once configured, Zertiban will push real-time notifications whenever a relevant state change occurs.

Functional event model

Zertiban's event system is organised in four functional layers: three covering distinct layers of the transactional process, and one covering the organisation life cycle.

Level	Represents
FLOW_*	Aggregate state of the full set of operations
OPERATION_*	Individual actions taken by the end user
PSD2_PAYMENT_*	Real banking state of the PSD2 payment
BUSINESS_*	State of an organisation within Zertiban

Flow events

FLOW_* events represent the aggregate state of the full set of operations attached to a flow.

In most current integrations a flow holds a single operation, so flow events usually mirror that operation's outcome directly. That said, Zertiban's architecture is prepared to support multiple operations within the same flow.

Event	When it is emitted
FLOW_IN_PROGRESS	At least one operation in the flow was opened
FLOW_COMPLETED	All operations in the flow completed successfully
FLOW_REJECTED	All operations were rejected
FLOW_NOT_COMPLETED	The flow ended with no operation completed
FLOW_PARTIALLY_COMPLETED	Some operations completed and the rest did not
FLOW_EXPIRED	All operations expired
FLOW_CANCELLED	The flow was cancelled

FLOW_IN_PROGRESS

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_IN_PROGRESS",
  "eventUuid": "ddd6c831-b815-5a12-856f-7b9a331200e7",
  "timestamp": "2026-09-17T09:40:02.115Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "IN_PROGRESS"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_IN_PROGRESS",
  "eventUuid": "ddd6c831-b815-5a12-856f-7b9a331200e7",
  "timestamp": "2026-09-17T09:40:02.115Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "IN_PROGRESS"
  }
}

FLOW_REJECTED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_REJECTED",
  "eventUuid": "7cf54949-de85-5a0a-b0eb-c0cad009f78a",
  "timestamp": "2026-09-17T09:46:31.902Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "REJECTED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_REJECTED",
  "eventUuid": "7cf54949-de85-5a0a-b0eb-c0cad009f78a",
  "timestamp": "2026-09-17T09:46:31.902Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "REJECTED"
  }
}

FLOW_NOT_COMPLETED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_NOT_COMPLETED",
  "eventUuid": "f55ba01d-230a-5eda-85ca-6977c3c813d2",
  "timestamp": "2026-09-17T09:52:07.338Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "NOT_COMPLETED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_NOT_COMPLETED",
  "eventUuid": "f55ba01d-230a-5eda-85ca-6977c3c813d2",
  "timestamp": "2026-09-17T09:52:07.338Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "NOT_COMPLETED"
  }
}

FLOW_PARTIALLY_COMPLETED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_PARTIALLY_COMPLETED",
  "eventUuid": "f096c465-a9c2-5c5f-8678-fa0d1216f84c",
  "timestamp": "2026-09-17T09:55:44.061Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "PARTIALLY_COMPLETED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_PARTIALLY_COMPLETED",
  "eventUuid": "f096c465-a9c2-5c5f-8678-fa0d1216f84c",
  "timestamp": "2026-09-17T09:55:44.061Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "PARTIALLY_COMPLETED"
  }
}

FLOW_COMPLETED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_COMPLETED",
  "eventUuid": "e4159bb3-dce9-5105-a1be-07e2272a969f",
  "timestamp": "2026-09-17T09:41:12.482Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "COMPLETED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_COMPLETED",
  "eventUuid": "e4159bb3-dce9-5105-a1be-07e2272a969f",
  "timestamp": "2026-09-17T09:41:12.482Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "COMPLETED"
  }
}

FLOW_EXPIRED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_EXPIRED",
  "eventUuid": "59cb274a-35d9-595b-b6fa-67b3fe5c6b62",
  "timestamp": "2026-09-24T00:00:05.004Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "EXPIRED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_EXPIRED",
  "eventUuid": "59cb274a-35d9-595b-b6fa-67b3fe5c6b62",
  "timestamp": "2026-09-24T00:00:05.004Z",
  "resource": {
    "uuid": "39b71b93-e646-40eb-8d6b-abc728e40851",
    "externalId": "INV-2026-000123",
    "status": "EXPIRED"
  }
}

FLOW_CANCELLED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "FLOW_CANCELLED",
  "eventUuid": "f29bef98-7975-5919-b609-19f4aa2feecd",
  "timestamp": "2026-09-17T11:20:49.750Z",
  "resource": {
    "uuid": "8c5e3e83-5145-4c57-8d3f-ac5f9c6652f2",
    "externalId": null,
    "status": "CANCELLED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "FLOW_CANCELLED",
  "eventUuid": "f29bef98-7975-5919-b609-19f4aa2feecd",
  "timestamp": "2026-09-17T11:20:49.750Z",
  "resource": {
    "uuid": "8c5e3e83-5145-4c57-8d3f-ac5f9c6652f2",
    "externalId": null,
    "status": "CANCELLED"
  }
}

Operation events

OPERATION_* events reflect the functional state of an individual operation carried out by the end user. They let you monitor the payer's actual behaviour inside the flow and react in real time to functional changes in the process.

Event	When it is emitted	Suggested action
OPERATION_OPENED	The payer opens the operation URL	Log the open or interaction start
OPERATION_COMPLETED	The operation completes successfully	Mark the invoice or charge as paid
OPERATION_REJECTED	The user or the bank rejects the operation	Notify the collections team
OPERATION_EXPIRED	The operation reaches its expiration date	Mark as overdue
OPERATION_CANCELLED	The operation is cancelled via API or Dashboard	Update internal state

OPERATION_OPENED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "OPERATION_OPENED",
  "eventUuid": "fdba93d4-3f32-5fce-8c6b-36736e67f492",
  "timestamp": "2026-09-17T09:40:02.117Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "OPENED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "OPERATION_OPENED",
  "eventUuid": "fdba93d4-3f32-5fce-8c6b-36736e67f492",
  "timestamp": "2026-09-17T09:40:02.117Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "OPENED"
  }
}

OPERATION_REJECTED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "OPERATION_REJECTED",
  "eventUuid": "40df6070-422c-520f-af35-f1331317b125",
  "timestamp": "2026-09-17T09:46:31.900Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "REJECTED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "OPERATION_REJECTED",
  "eventUuid": "40df6070-422c-520f-af35-f1331317b125",
  "timestamp": "2026-09-17T09:46:31.900Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "REJECTED"
  }
}

OPERATION_COMPLETED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "OPERATION_COMPLETED",
  "eventUuid": "13e83b92-13d8-5b6d-94c0-05feb58d3189",
  "timestamp": "2026-09-17T09:41:12.480Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "COMPLETED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "OPERATION_COMPLETED",
  "eventUuid": "13e83b92-13d8-5b6d-94c0-05feb58d3189",
  "timestamp": "2026-09-17T09:41:12.480Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "COMPLETED"
  }
}

OPERATION_EXPIRED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "OPERATION_EXPIRED",
  "eventUuid": "d863ec53-51f6-5434-83d0-96de7e909fb3",
  "timestamp": "2026-09-24T00:00:05.001Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "EXPIRED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "OPERATION_EXPIRED",
  "eventUuid": "d863ec53-51f6-5434-83d0-96de7e909fb3",
  "timestamp": "2026-09-24T00:00:05.001Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "EXPIRED"
  }
}

OPERATION_CANCELLED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "OPERATION_CANCELLED",
  "eventUuid": "ea318317-8c89-5ffd-8c4d-77cc51bdf3f5",
  "timestamp": "2026-09-17T11:20:49.748Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "CANCELLED"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "OPERATION_CANCELLED",
  "eventUuid": "ea318317-8c89-5ffd-8c4d-77cc51bdf3f5",
  "timestamp": "2026-09-17T11:20:49.748Z",
  "resource": {
    "uuid": "bd51a1af-7779-4010-a876-0630851a1858",
    "externalId": "OP-2026-000123",
    "status": "CANCELLED"
  }
}

PSD2 payment events

PSD2_PAYMENT_* events represent the real banking state of a PSD2 payment processed by Zertiban. Unlike the functional flow or operation events, these events reflect the payment's banking evolution directly within the PSD2 infrastructure and allow syncing real financial states with ERPs, reconciliation systems or treasury engines.

They are emitted automatically as the payment progresses through the banking ecosystem and provide full visibility on the real financial state of the transaction.

Event	When it is emitted	Suggested action
PSD2_PAYMENT_STATUS_PENDING	The payment was initiated and is pending	Log the payment as in progress
PSD2_PAYMENT_STATUS_AUTHORIZED	The bank authorised the payment successfully	Confirm bank authorisation
PSD2_PAYMENT_STATUS_SETTLED	The payment was settled successfully	Reconcile and close the charge
PSD2_PAYMENT_STATUS_PENDING_SETTLED	The payment is pending final settlement	Keep financial tracking active
PSD2_PAYMENT_STATUS_REJECTED	The payment was rejected	Handle the incident or retry

Emission rules and idempotency

PSD2 events follow specific rules to avoid duplicates and guarantee functional consistency.

Event deduplication. Before emitting a PSD2 webhook, Zertiban verifies that no event has already been sent for the same payment and the same PSD2 status. This guarantees delivery idempotency and prevents functional duplicates.

Special restriction for rejected payments. The PSD2_PAYMENT_STATUS_REJECTED event is only emitted if the payment has previously reached a valid prior transactional state in its life cycle. This keeps the functional sequence of financial states consistent.

PSD2_PAYMENT_STATUS_PENDING

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "PSD2_PAYMENT_STATUS_PENDING",
  "eventUuid": "778fb46b-f31f-524c-87da-fc25e8c2f99e",
  "timestamp": "2026-09-17T09:41:05.233Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_STATUS_PENDING",
        "code": "PENDING",
        "step": "PAYMENT_STATUS_PENDING"
      }
    }
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "PSD2_PAYMENT_STATUS_PENDING",
  "eventUuid": "778fb46b-f31f-524c-87da-fc25e8c2f99e",
  "timestamp": "2026-09-17T09:41:05.233Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_STATUS_PENDING",
        "code": "PENDING",
        "step": "PAYMENT_STATUS_PENDING"
      }
    }
  }
}

PSD2_PAYMENT_STATUS_AUTHORIZED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "PSD2_PAYMENT_STATUS_AUTHORIZED",
  "eventUuid": "0904353e-f46f-550c-99c7-0744ca63f4cf",
  "timestamp": "2026-09-17T09:41:09.871Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_AUTHORIZED",
        "code": "AUTHORIZED",
        "step": "PAYMENT_DETAILS_AUTHORIZED_VALID"
      }
    }
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "PSD2_PAYMENT_STATUS_AUTHORIZED",
  "eventUuid": "0904353e-f46f-550c-99c7-0744ca63f4cf",
  "timestamp": "2026-09-17T09:41:09.871Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_AUTHORIZED",
        "code": "AUTHORIZED",
        "step": "PAYMENT_DETAILS_AUTHORIZED_VALID"
      }
    }
  }
}

Other psd2Payment.status variants. The rest of the body is identical.

FAILED

{
  "status": {
    "status": "PAYMENT_DETAILS_AUTHORIZED_FAILED",
    "code": "AUTHORIZED",
    "step": "PAYMENT_DETAILS_AUTHORIZED_FAILED"
  }
}

REJECTED

{
  "status": {
    "status": "PAYMENT_DETAILS_AUTHORIZED_REJECTED",
    "code": "AUTHORIZED",
    "step": "PAYMENT_DETAILS_AUTHORIZED_REJECTED"
  }
}

PSD2_PAYMENT_STATUS_PENDING_SETTLED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "PSD2_PAYMENT_STATUS_PENDING_SETTLED",
  "eventUuid": "85a73fb3-00d0-58f5-8a82-fff1336e30c5",
  "timestamp": "2026-09-17T09:41:10.406Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_PENDING_SETTLED",
        "code": "PENDING_SETTLED",
        "step": "PAYMENT_DETAILS_VALID_PENDING_SETTLED"
      }
    }
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "PSD2_PAYMENT_STATUS_PENDING_SETTLED",
  "eventUuid": "85a73fb3-00d0-58f5-8a82-fff1336e30c5",
  "timestamp": "2026-09-17T09:41:10.406Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_PENDING_SETTLED",
        "code": "PENDING_SETTLED",
        "step": "PAYMENT_DETAILS_VALID_PENDING_SETTLED"
      }
    }
  }
}

Other psd2Payment.status variants. The rest of the body is identical.

FAILED

{
  "status": {
    "status": "PAYMENT_DETAILS_PENDING_SETTLED_FAILED",
    "code": "PENDING_SETTLED",
    "step": "PAYMENT_DETAILS_PENDING_SETTLED_FAILED"
  }
}

REJECTED

{
  "status": {
    "status": "PAYMENT_DETAILS_PENDING_SETTLED_REJECTED",
    "code": "PENDING_SETTLED",
    "step": "PAYMENT_DETAILS_PENDING_SETTLED_REJECTED"
  }
}

PSD2_PAYMENT_STATUS_SETTLED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "PSD2_PAYMENT_STATUS_SETTLED",
  "eventUuid": "33936899-3ca5-5345-9c8e-0ce358bed0a3",
  "timestamp": "2026-09-17T14:02:51.640Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_SETTLED",
        "code": "SETTLED",
        "step": "PAYMENT_DETAILS_SETTLED_VALID"
      }
    }
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "PSD2_PAYMENT_STATUS_SETTLED",
  "eventUuid": "33936899-3ca5-5345-9c8e-0ce358bed0a3",
  "timestamp": "2026-09-17T14:02:51.640Z",
  "resource": {
    "paymentUuid": "14c56ab6-d0f0-4b13-9a9a-d9e722aff880",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_DETAILS_VALID_SETTLED",
        "code": "SETTLED",
        "step": "PAYMENT_DETAILS_SETTLED_VALID"
      }
    }
  }
}

Other psd2Payment.status variants. The rest of the body is identical.

FAILED

{
  "status": {
    "status": "PAYMENT_DETAILS_SETTLED_FAILED",
    "code": "SETTLED",
    "step": "PAYMENT_DETAILS_SETTLED_FAILED"
  }
}

REJECTED

{
  "status": {
    "status": "PAYMENT_DETAILS_SETTLED_REJECTED",
    "code": "SETTLED",
    "step": "PAYMENT_DETAILS_SETTLED_REJECTED"
  }
}

PSD2_PAYMENT_STATUS_REJECTED

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "PSD2_PAYMENT_STATUS_REJECTED",
  "eventUuid": "fdeb032c-9380-549e-b05e-23dfa2e90a64",
  "timestamp": "2026-09-17T09:43:18.512Z",
  "resource": {
    "paymentUuid": "6f1e9c3b-2a8d-4e7f-b5c0-9d4a2e8f1b77",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_STATUS_REJECTED_PAYMENT_REJECTED",
        "code": "REJECTED",
        "step": "PAYMENT_STATUS_REJECTED"
      }
    }
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "PSD2_PAYMENT_STATUS_REJECTED",
  "eventUuid": "fdeb032c-9380-549e-b05e-23dfa2e90a64",
  "timestamp": "2026-09-17T09:43:18.512Z",
  "resource": {
    "paymentUuid": "6f1e9c3b-2a8d-4e7f-b5c0-9d4a2e8f1b77",
    "psd2Payment": {
      "status": {
        "status": "PAYMENT_STATUS_REJECTED_PAYMENT_REJECTED",
        "code": "REJECTED",
        "step": "PAYMENT_STATUS_REJECTED"
      }
    }
  }
}

Organisation events

This family exists for Partners and Agents. A collaborator registers client organisations and cannot operate on their behalf until they are active; BUSINESS_* events are what tell it so.

They sit outside the transactional cycle: they report an organisation's state, not a charge. If you integrate Zertiban for your own organisation they add nothing — you already know when you completed your own registration.

Event	When it is emitted	Suggested action
BUSINESS_ACTIVATED	A client organisation completes its registration and becomes active	Issue a delegated token for it and start operating

BUSINESS_ACTIVATED

The resource carries the activated organisation's UUID in uuid and its state in status. It has no externalId, and resource.uuid matches metadata.businessUuid:

Without collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334"
  },
  "eventType": "BUSINESS_ACTIVATED",
  "eventUuid": "4abd98ec-3b8a-5e1a-b2c0-829fb0125869",
  "timestamp": "2026-09-16T16:12:40.207Z",
  "resource": {
    "uuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "status": "ACTIVE"
  }
}

With collaborator

{
  "metadata": {
    "apiVersion": "v1",
    "businessUuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "collaboration": {
      "businessUuid": "208da71f-aac8-4a74-8a3d-c07fa7cca9f6"
    }
  },
  "eventType": "BUSINESS_ACTIVATED",
  "eventUuid": "4abd98ec-3b8a-5e1a-b2c0-829fb0125869",
  "timestamp": "2026-09-16T16:12:40.207Z",
  "resource": {
    "uuid": "3b90ee0e-f85e-4591-a0b2-5c785a860334",
    "status": "ACTIVE"
  }
}

If the registration is attributed to several collaborators, the organisation receives the copy without collaboration and each collaborator receives its own carrying its own identifier (b47d2e91-6c0a-4f5e-8a3d-1e9c7b2f4d58 for the second one).

resource.uuid is the UUID of the client organisation that has just been activated: the one you will pass as target_tenant when requesting the delegated token. metadata.collaboration.businessUuid is your own collaborator UUID, the one the registration was attributed to. If the registration is attributed to several collaborators, each one receives its own copy carrying its own identifier.

You must have the type subscribed on your webhook: having an endpoint registered does not imply receiving it. And deduplicate by eventUuid, which is identical across every copy of the same event and every one of its retries.

What does resource contain in each event?

The resource payload depends on the event type:

Event type	Contents
FLOW_*	Aggregate information about the flow
OPERATION_*	Operation information
PSD2_PAYMENT_*	PSD2 payment information
BUSINESS_*	uuid and status of the organisation concerned

Functional recommendations

Use PSD2 events for bank reconciliation

PSD2_PAYMENT_* events represent the real financial state of the payment and are the best source for bank reconciliation, ERP updates, treasury and financial automation.

Use OPERATION_COMPLETED for UX and business logic

The OPERATION_COMPLETED event represents the functional completion of the user experience and is typically used to release orders, mark invoices, show confirmations or advance business processes.

Idempotent webhook consumers

Every webhook consumer must be designed to tolerate retries, duplicate events and out-of-order delivery. Persist eventUuid and apply idempotent processing, see Delivery and Retries.

Recommended asynchronous processing

The webhook endpoint should verify the signature, persist the event, respond 200 OK and process in the background. This improves resilience and avoids unnecessary retries.