---
title: V6 Webhooks Specification
url: "https://help.equaze.com/kb/v6-webhooks-specification/"
updated: "2023-10-03"
category: Webhooks Specifications
---

# V6 Webhooks Specification

## Card Transactions

Any Card Account (includes debit, credit and prepaid) will have the following specification.

 ElementDescriptionSpecificationExampleActBalThe actual balance of the account after this transaction is applied. Due to the real time nature of some Scheme types (FPS) this value is subject to change if any transaction is settled before or after this but notified in milliseconds before/after this transaction. This value is a signed value, with negative balances reported with a “-” before the amount. Fixed to two decimal places. No display commas.signed decimal with fixed 2 decimal places.60.10avl_BalThe actual available balance of the account after all pending transactions pending clearance. Due to the real time nature of some Scheme types (Mastercard/Visa) this value is subject to change if any transaction is settled before or after the clearing date. This value is a signed value, with negative balances reported with a “-” before the amount. Fixed to two decimal places. No display commas.signed decimal with fixed 2 decimal places.60.10bill_AmtThe amount billed to card accountsigned decimal with fixed 2 decimal places1.00bill_CcyTransaction billing currencyalphanumeric 3 character ISO currency code826blkAmtThis is the “block amount”, the sum of all pending transactions awaiting clearance.unsigned (absolute) decimal with fixed 2 decimal places0.00cust_RefThis is the unique id generated for your card account.It is the concatenation of your card account number and unique customer code4 Alpha + 8 numeric “-“10 alphanumericALGB30141585-YMUEM5KO8ZERNInternal Enumis reference for this transaction. Can be used to uniquely identify the transactionalphanumericfee_FixedAn Enumis “fixed” fee billed to the card account. The txn_Desc field will provide details of the fee. The fixed fee is a fee that is not rate based.signed decimal with fixed 2 decimal places0.00fee_RateAn Enumis “rate” fee billed to the card account. The txn_Desc field will provide details of the fee. The fixed fee is a fee that is rate based on the value of the transaction.signed decimal with fixed 2 decimal places0.00mcC_CodeMerchant category code4 character alphanumeric0014mcC_PadMerchant category code paddingsigned (absolute) decimal with fixed 2 decimal places0.00merch_ID_DE42A unique code identifying the Merchant (also known as the Card Acceptor Identifier)noteA description of action taken on the accountpoS_Data_DE22DE 22, subfield 1, value 05 (PAN auto-entry via chip) indicates that chip contact technology is
used for the transaction. Acquirers must be certified with the full grade profile to use this
value. If DE 22, subfield 1 contains value 05, DE 55 (Integrated Circuit Card [ICC] Systemrelated
Data) must be present.poS_Data_DE61Subfield 11 (POS Card Data Terminal Input Capability) indicates the terminal is EMV chip if and
only if the terminal and the acquirer are certified to accept a Mastercard card with chip
technology.poS_Termnl_DE41Card Acceptor Terminal ID information with all card-read transactions at card acceptor locations with multiple POS devices.poS_Time_DE12CurrencyCodealphanumeric 3 character ISO currency code826txn_CCyCurrency of the transactionalphanumeric 3 character ISO currency code826txn_Desctransaction descriptionalphanumerictxn_GPS_DateThe effective date and time of transaction at merchant2019-02-24 12:32:24.657tXn_IDUnique transaction IDNumeric 10 characters3205317873txN_Time_DE07

An example of a transaction activity webhook received on a current account is as follows:

{
“actBal”: “60.10”,
“avl_Bal”: “60.10”,
“bill_Amt”: “1.00”,
“bill_Ccy”: “826”,
“blkAmt”: “0.00”,
“cust_Ref”: “ALGB30141123-FMWED3RO4X”,
“ern”: “ern::Enumis::Transaction::ad7be52101ee019a06906b8b83d90e48ea64629860de68e38f6535e8a266aba6”,
“fee_Fixed”: “0.00”,
“fee_Rate”: “0.00”,
“instCode”: “ENU”,
“mcC_Code”: “”,
“mcC_Desc”: “”,
“mcC_Pad”: “0.00”,
“merch_ID_DE42”: “”,
“note”: “Web service load by – , Source – 10.180.240.29, Date – Feb 24 2018 12:32PM”,
“poS_Data_DE22”: “”,
“poS_Data_DE61”: “”,
“poS_Termnl_DE41”: “”,
“poS_Time_DE12”: “”,
“txn_Amt”: “1.0000”,
“txn_CCy”: “826”,
“txn_Desc”: “Load”,
“txn_GPS_Date”: “2018-02-24 12:32:24.657”,
“tXn_ID”: 1615217543,
“txN_Time_DE07”: “”

## Current Account/Payment Account

 ObjectNested ObjectDescriptionSpecificationExampleaccountownerNameThe account holder name of the Enumis account receiving the webhookAlphanumeric35 charactersAbc LimitedaccounttransactionOwnerNameThis is the name of the account that the sender intended to make payment to. This is sent directly from the counterparty bank, and is not always provided. It provides you with the details that the sender entered as their payee when trying to pay you.Alphanumeric35 charactersAbc limitedaccountinstitutionNameThis will be the institution name of where the account is held.AlphanumericEnumis Ltdaccountbban?The BBAN of the Enumis account receiving the webhook. The account number can be ascertained by using the last 8 digits on the BBAN and the sort code can be ascertained by using the 6 digits after removing the alphanumeric 4 characters at the beginning of the BBAN.4 Alphanumeric + 14 numeric18 charactersENUM04047700000330accountibanThe IBAN of the Enumis account that this transaction relates to and the webhook is in relation to2 alpha country code characters + two digit check + 4 character BBAN + sortcode and account number22 charactersGB11ENUM04047600000089accountBalanceThe account balance of the account after this transaction is applied. Due to the real time nature of some Scheme types (FPS) this value is subject to change if any transaction is settled before or after this but notified in milliseconds before/after this transaction. This value is a signed value, with negative balances reported with a “-” before the amount. Fixed to two decimal places. No display commas.unsigned (absolute) value with up to 2 decimal places where appropriate3000.00amountThe amount of this transaction. This value is absolute and is subject to the DebitCreditCode to distinguish whether the transaction is a debit or a credit to the account.unsigned (absolute) value with up to 2 decimal places where appropriate500.12availableBalanceThe available balance of the account, after this transaction is applied. If there are any pending/held transactions their value will NOT be included in the available balance. This field is only transmitted if the availableBalance is not the same as the accountBalanceunsigned (absolute) value with up to 2 decimal places where appropriate2500.00counterpartAccountownerNameThe account name of the counterparty to this transaction. If the counterparty is a remitter of funds to this account, this information will have been provided by the counterparty bank.Alphanumeric35 characterscounterpartAccounttransactionOwnerNameIf this is a debit from your account, it will be the name of the account that you intended to make payment to.If this is a credit to your account, it is the name of the account that sent payment to you. This is provided by the counterparty bank.AlphanumericcounterpartAccountinstitutionNameName of the counterparty bank or PSPAlphanumericBarclays BankcounterpartAccountbbanbban of the counterparty4 Alphanumeric + 14 numeric18 characterscounterpartAccountibaniban of the counterparty 2 alpha country code characters + two digit check + dependent on country specification for IBANcounterpartAccountobanany other account identifier (where bban and iban were not available). This is usually for SWIFT payments that are from countries that do not utilise a formal IBAN format or CHAPS from institutions that are not sending IBAN or BBAN. AlphanumericcurrencyCodeThe alpha currency code.Alpha 3 character ISO currency codeGBPdebitCreditCodeDirection of the paymentAlpha (either Debit or Credit)CreditendToEndTransactionIdOur End to End identifier for this transactionAlphanumericernInternal Enumis reference for this transaction. Can be used to uniquely identify the transactionAlphanumericisReturnmodifiedDateYou may receive a second (or more) webhooks in relation to this transaction (for example, where the account/available balance may change. This field indicates the datetime in Epoch  time in milliseconds.Epoch time in millisecondspendingIf this transaction has been held and is not available for us (eg for compliance checks or other reasons) this will be flagged as “true”. This field is only send if it is true. True or nulltruereferenceThe payment reference that was sent with or received for this transaction.Alphanumeric 18 or 35 characterschemeindicates the payment scheme used for this transactionFasterPayments, Chaps, BacsschemeIdThe scheme End to End identifier for this transaction. This will be communicated between the two institutions and can be used to trace payments. Alphanumericstatusstatus of the transactionSettled, RejectedsupplementaryDatatagThe key name. This will usually be MT103 message details. Please see the References page for more information on what each tag meansAlphanumeric50AsupplementaryDatavalueThis is the information relating to the key given in “tag” aboveAlphanumericENUMGB21XXXtimestampCreatedthe datetime the transaction was created (i.e. received). This was differ to the timestampSettled as it includes transactions in clearing and/or compliance but not yet settled.Datetime formattimestampSettledThe datetime of when the transaction was settled. This is UTC timeDatetime formattransactionIdUnique IdGUIDversionThis is the webhook versionnumeric with up to 2 decimal places where appropriate6

An example of a transaction activity webhook received on a current account are as follows:

**Example V6 with Compliance Hold (Pending)**

 `{``"transactionId"``: ``"sf222e11-sse0-1111-a2f7-xxxyyyyvv5aa"``,``"status"``: ``"Settled"``,``"scheme"``: ``"FasterPayments"``,``"endToEndTransactionId"``: ``"xexeaxaxexcx4bdxb5afx8xxdxb91d24j"``,``"schemeId"``: ``"2429agd3330c49yyyyy32dxxxxxxxxxx"``,``"amount"``: 1,``"timestampSettled"``: ``"2020-04-21T00:58:35.0092029Z"``,``"timestampCreated"``: ``"2020-04-21T00:58:35.0092029Z"``,``"currencyCode"``: ``"GBP"``,``"debitCreditCode"``: ``"Credit"``,``"reference"``: ``"TEST WEBHOOK"``,``"isReturn"``: ``false``,``"account"``:``{``   ``"ownerName"``: ``"Your Account Ltd"``,``   ``"transactionOwnerName"``: ``"YOUR ACCOUNT"``,``   ``"institutionName"``: ``"Enumis Ltd"``,``   ``"iban"``: ``"GB76ENUM040476XXXXXXXX"``   ``"bban"``: ``"ENUM040476XXXXXXXX"``}``,``"counterpartAccount"``:``{``   ``"ownerName"``: ``"Not Provided"``,``   ``"transactionOwnerName"``: ``"Sally Remitter"``,``   ``"institutionName"``: ``"Barclays Bank"``,``   ``"iban"``: ``"GB74BARC201010XXXXXXXX"``,``   ``"bban"``: ``"BARC201010XXXXXXXX"``}``,``"modifiedDate"``: 1181015115511,``"accountBalance"``: 100,``"availableBalance"``: 99,``"ern"``: ``"ern::Enumis::Transaction::755cdxxxxxxxxxxxxxxxxxxxxc9d6430fc9vvvvvvvvvvvvvvvvv9272114a8ec0"``,``"pending"``: ``true``,``"version"``: 6``}`

**Example V6 Settled Transaction**

 `{``"transactionId"``: ``"sf222e11-sse0-1111-a2f7-xxxyyyyvv5aa"``,``"status"``: ``"Settled"``,``"scheme"``: ``"FasterPayments"``,``"endToEndTransactionId"``: ``"MODULO00N1112141H01X"``,``"schemeId"``: ``"MODULO00N1112141H01X20200421XXXXXXXXX"``,``"amount"``: 34.84,``"timestampSettled"``: ``"2020-04-19T11:11:17.667Z"``,``"timestampCreated"``: ``"2020-04-19T11:11:17.453Z"``,``"currencyCode"``: ``"GBP"``,``"debitCreditCode"``: ``"Credit"``,``"reference"``: ``"From this person"``,``"isReturn"``: ``false``,``"account"``: {``"ownerName"``: ``"YOUR NAME LTD-MA"``,``"transactionOwnerName"``: ``"YOUR NAME LTD"``,``"institutionName"``: ``"Enumis Ltd"``,``"iban"``: ``"GB69ENUM040476XXXXXXXX"``,``"bban"``: ``"ENUM040476XXXXXXXX"``},``"counterpartAccount"``: {``"ownerName"``: ``"Not Provided"``,``"transactionOwnerName"``: ``"Your Customer"``,``"institutionName"``: ``"MODULR FS LIMITED"``,``"bban"``: ``"MODR040075XXXXXXXX"``},``"accountBalance"``: 100.34,``"ern"``: ``"ern::Enumis::Transaction::715cdxxxxttttttttttttxxxxc9d6430fc9vvvvvvvvvvvvvvvvv1122124a2eg0"``,``"version"``: 6``}`

**Example of V6 Webhook Settled Transaction-Debit**

**Example of V6 Webhook Settled Transaction with Supplementary Data**

 `{``  ``"transactionId"``: ``"sf222e11-sse0-1111-a2f7-xxxyyyyvv5aa"``,``  ``"status"``: ``"Settled"``,``  ``"scheme"``: ``"SWIFT"``,``  ``"endToEndTransactionId"``: ``"GBS011210GQFCXN2"``,``  ``"schemeId"``: ``"GBS011210GQFCXN2"``,``  ``"amount"``: 12400,``  ``"timestampSettled"``: ``"2020-04-04T09:21:40.751Z"``,``  ``"timestampCreated"``: ``"2020-04-04T09:21:40.512Z"``,``  ``"currencyCode"``: ``"GBP"``,``  ``"debitCreditCode"``: ``"Credit"``,``  ``"reference"``: ``"To buy something"``,``  ``"isReturn"``: ``false``,``  ``"account"``: {``    ``"ownerName"``: ``"Your Account Limited-MA"``,``    ``"transactionOwnerName"``: ``"YOUR ACCOUNT LTD"``,``    ``"institutionName"``: ``"Enumis Ltd"``,``    ``"iban"``: ``"GB21ENUM040476000XXXXX"``,``    ``"bban"``: ``"ENUM040476000XXXXX"``  ``},``  ``"counterpartAccount"``: {``    ``"ownerName"``: ``"MR PAYEE FORYOU"``,``    ``"transactionOwnerName"``: ``"MR PAYEE FORYOU"``,``    ``"institutionName"``: ``"Not Provided"``,``    ``"oban"``: ``"HSBCUSVHXXXX-131041118115"``  ``},``  ``"modifiedDate"``: 1500508100000,``  ``"accountBalance"``: 65524.18,``  ``"ern"``: ``"ern::Enumis::Transaction::715cdxxxxtttttsssttttxxxxc9d6430fc9vvvvvvvvvvvvvvvvv1122124a2eg0"``,``  ``"supplementaryData"``: [``    ``{``      ``"tag"``: ``"20"``,``      ``"value"``: ``"GBS011210GQFCXN2"``    ``},``    ``{``      ``"tag"``: ``"23B"``,``      ``"value"``: ``"CRED"``    ``},``    ``{``      ``"tag"``: ``"32A"``,``      ``"value"``: ``"200504GBP12400,00"``    ``},``    ``{``      ``"tag"``: ``"33B"``,``      ``"value"``: ``"GBP12400,00"``    ``},``    ``{``      ``"tag"``: ``"50K"``,``      ``"value"``: ``"/11203222122\r\nMrs SALLY WEBSTER\r\n100A NEWBLOCK, PRINCE A\r\nVENUE, LONDONTOWN, LONDONCITY, LOND\r\nON, NW1, UNITED STATES"``    ``},``    ``{``      ``"tag"``: ``"52A"``,``      ``"value"``: ``"HSBCUSVHXXX"``    ``},``    ``{``      ``"tag"``: ``"57A"``,``      ``"value"``: ``"ENUMGB21XXX"``    ``},``    ``{``      ``"tag"``: ``"59"``,``      ``"value"``: ``"/000XXXX\r\nYOUR ACCOUNT LTD\r\n100 YOUR ROAD\r\nYOUR TOWN\r\nLONDON, LL1 9ZZ                 GB"``    ``},``    ``{``      ``"tag"``: ``"70"``,``      ``"value"``: ``"To buy something"``    ``},``    ``{``      ``"tag"``: ``"71A"``,``      ``"value"``: ``"OUR"``    ``},``    ``{``      ``"tag"``: ``"72"``,``      ``"value"``: ``"/NNNNNNNN"``    ``}``  ``],``  ``"version"``: 6``}`