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Once you have successfully reserved an account, it’s important you implement a webhook url. This is how we notify you when a transfer is done to that account. Implementing a webhook URL is rather easy, you simply need to create an endpoint that accepts post requests and can calculate a HASH value for security. Here is what we send to your webhook url:

For information on how to calculate the transactionHash click here. Test your webhook here by doing a test transfer to an active monnify account number. 


Please do not forget to include the pipe character ("
|"where specified above. It should be included in the concatenated string being hashed.

Here is what a sample post to your webhook URL will look like:

Webhook Notification Data - Account Transfer
{ 
"transactionReference" : "MNFY|20200900003149|000000", 
"paymentReference" : "MNFY|20200900003149|000000", 
"amountPaid" : "180000.00", 
"totalPayable" : "180000.00", 
"settlementAmount" : "179989.25", 
"paidOn" : "09/09/2020 11:31:56 AM", 
"paymentStatus" : "PAID", 
"paymentDescription" : "Ojinaka Daniel", 
"transactionHash" : "a294a0bfxxxxxxxxxxxxxxxxxxxx0b399cf077e30cf2ad54a7da9e17583deb5130286e6bb5dxxxx353f027725b83fcafac02d2e181f53edd5f", 
"currency" : "NGN", 
"paymentMethod" : "ACCOUNT_TRANSFER", 
"product" : { 
		"type" : "RESERVED_ACCOUNT", 
		"reference" : "7b3xxxx072a44axxxxxxx2b6c2374458" 
			}, 
"cardDetails" : null, 
"accountDetails" : { 
		"accountName" : "John Ciroma Abuh", 
		"accountNumber" : "******4872", 
		"bankCode" : "000015", 
		"amountPaid" : "180000.00" 
			}, 
"accountPayments" : [ { 
		"accountName" : "John Ciroma Abuh", 
		"accountNumber" : "******4872", 
		"bankCode" : "000015", 
		"amountPaid" : "180000.00" 
			} ], 
"customer" : { 
		"email" : "dojinaka@monnify.com", 
		"name" : "Daniel Ojinaka" 
			}, 
"metaData" : { } 
}

Webhook Notification Data - Card Payment
{ 
   "transactionReference":"MNFY|20190920113413|000224",
   "paymentReference":"1568979249981",
   "amountPaid":"100.00",
   "totalPayable":"100.00",
   "settlementAmount" : "99.25", 
   "paidOn":"20/09/2019 11:35:21 AM",
   "paymentStatus":"PAID",
   "paymentDescription":"Is it working",
   "transactionHash":"5a91ef93b91a0bfda95a19c18da4504506ba20f79d6c0fb9ec3907b56635e7b01360e2a9ffcb5bc1e1208df68688a6d0ce064bec968099d7466818b6826cfd66",
   "currency":"NGN",
   "paymentMethod":"CARD",
   "product":{ 
      "type":"WEB_SDK",
      "reference":"1568979249981"
   },
   "cardDetails":{ 
      "cardType":null,
      "authorizationCode":null,
      "last4":"6871",
      "expMonth":"08",
      "expYear":"22",
      "bin":"539941",
      "reusable":false 	
   },
   "accountDetails": null,
   "accountPayments": null,
   "customer":{ 
      "email":"stephen@ikhane.com",
      "name":"Stephen Ikhane"
   }    "metaData" : { } 
}

Get Transaction Status

We recommend that you make a get transaction status call using the transactionReference or paymentReference before persisting the transaction status on your database. For information on how to get the status of a transaction, click here.

Transaction Uniqueness

Please make sure that you only handle notifications once for every payment reference or transaction reference. Payment references and transaction references are unique so if you receive multiple notifications for a single transaction please do not honor it. This could be a  glitch or someone trying to game your endpoint.

Deprecated Notifications

For documentation on the old deprecated webhook notifications click here.

Field Reference

(M) indicates fields that are mandatory in the request body. (m) Indicates fields that are mandatory only if the parent object is not empty.

FieldDescription
totalPayable (M)The amount to be paid by the customer
amountPaidThe exact amount paid by the customer

paymentStatus

Payment Status. Should always be `PAID` for reserved accounts. 

settlementAmountThe amount settled to the merchant. This is the amount paid minus the merchants' fee. 

paymentDescription

Defaults to the account name

transactionHash

Hash calculated and sent by Monnify with each notification request. Merchant is expected to calculate the Hash using the request body. If the hash values don’t match, please do not honor the notification request. 

currencyCode (M)The currency of the transaction being initialized. "NGN"
paymentMethodThe method used by the customer to process the transaction `ACCOUNT_TRANSFER` of `CARD`
productThe object containing information specific to the product being used.
product.typeThe monnify product in use for this payment e.g. Web_SDK, Reserved_Account, Invoice, etc.
product.referenceThe unique reference applicable to the product e.g. Account_Reference, Invoice Reference, payment reference, etc.
cardDetailsThe object containing information specific to the card used for payment. Will only be populated if the payment method was a card. else it will be null
cardDetails.cardTypeCard type (VISA, MASTER, VERVE)
cardDetails.authorizationCodeTransaction authorization code
cardDetails.last4Last 4 digits of the card
cardDetails.expMonthExpiry month of the card following DATE convention i.e. January is 00 and December is 11.
cardDetails.expYearExpiry year of the card in YYYY format
cardDetails.binFirst 6 digits of the card
cardDetails.reusableBoolean to specify if the authorizationCode is reusable
accountDetailsThe object containing information specific to the sender's bank information. Will only be populated if the payment method was ACCOUNT_TRANSFER. else it will be null
accountDetails.accountNumberSource account number for that transaction. This is the account number the customer transferred from during payment.
accountDetails.accountNameSource account name for that transaction. This is the account name of the account the customer transferred from during payment.
accountDetails.bankCodeBank code of the source bank where the customer transferred from. 
accountPaymentsAn array of accountDetails objects. Useful when multiple transfers were made for one transaction.
customerThe object containing the customer information
customer.customerNameFull name of the customer
customer.customerEmailThe email address of the customer