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Event Name: fund_pending
This event occurs when the system has registered a funding operation but it is still pending confirmation by the payment entity or the corresponding service.

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Event Payload

The webhook payload contains the following structure: 
{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "event": "fund_pending",
  "timestamp": "2025-06-19T16:04:13.123Z",
  "data": {
    "method": "card",
    "source": {
      "bankAccountNumber": "ES9121000418450200051332",
      "bankRoutingType": "IBAN",
      "cardBin": "411111",
      "cardLastFour": "1111",
      "internalAccountId": "550e8400-e29b-41d4-a716-446655440002",
      "transferId": "550e8400-e29b-41d4-a716-446655440003",
      "description": "Payment description"
    },
    "received": {
      "amount": 10000,
      "currency": "EUR"
    },
    "fundingId": "550e8400-e29b-41d4-a716-446655440000",
    "accountId": "550e8400-e29b-41d4-a716-446655440001",
    "reference": "PAGO-12345"
  }
}

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Field Description

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id
string
required
Unique event identifier
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event
string
required
Event type - always fund_pending for this webhook
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timestamp
string
required
Event timestamp in ISO 8601 format
​
data
object
required
Contains the event data
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data.method
string
required
Payment method used (card, bank_transfer, internal_transfer)
​
data.source
object
required
Payment origin information
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data.source.bankAccountNumber
string
Complete bank account number (e.g., IBAN)
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data.source.bankRoutingType
string
Bank routing type standard (e.g., “IBAN”, “SORT CODE”)
​
data.source.cardBin
string
First 6-8 digits of the payment card (for card payments)
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data.source.cardLastFour
string
Last 4 digits of the payment card
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data.source.internalAccountId
string
Internal account ID (UUID format, for internal transfers)
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data.source.transferId
string
Transfer reference ID (UUID format)
​
data.source.description
string
Payment description
​
data.received
object
required
Information about the received amount
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data.received.amount
integer
required
Amount in the smallest currency unit (e.g., cents for EUR/USD)
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data.received.currency
string
required
ISO 4217 currency code (e.g., “EUR”, “USD”)
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data.fundingId
string
required
Unique ID of the funding operation (UUID)
​
data.accountId
string
required
Recipient account ID (UUID)
​
data.reference
string
required
Payment reference provided during creation (max 255 chars)

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Expected Responses

Success Response

HTTP 200 OKThe webhook was processed successfully.

Client Error

HTTP 4xx StatusClient-side error. Will not be retried.

Server Error

HTTP 5xx StatusServer-side error. Will be retried with exponential backoff.

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Implementation Example

app.post('/webhooks/ralio', (req, res) => {
  const { event, data } = req.body;
  
  if (event === 'fund_pending') {
    const { fundingId, accountId, method, received } = data;
    
    // Process pending funding
    console.log(`Funding ${fundingId} for account ${accountId} is pending`);
    console.log(`Method: ${method}, Amount: ${received.amount} ${received.currency}`);
    
    // Update your internal systems
    await updateFundingStatus(fundingId, 'PENDING');
    
    // Respond with success
    res.status(200).json({ received: true });
  }
});