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Event Name: fund_received
This event is emitted when a funding has been processed successfully and the funds have been credited to the user’s account after confirming that the transaction has been completed successfully.

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Event Payload

The webhook payload contains the following structure: 
{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "event": "fund_received",
  "timestamp": "2025-06-19T17:04:13.123Z",
  "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"
    },
    "fee": {
      "amount": 250,
      "currency": "EUR"
    },
    "settled": {
      "amount": 9750,
      "currency": "EUR"
    },
    "quote": {
      "rate": 1.0,
      "provider": "ECB",
      "timestamp": "2025-06-19T17:00:00Z",
      "validUntil": "2025-06-19T17:30:00Z",
      "spread": 0.0015
    },
    "fundingId": "550e8400-e29b-41d4-a716-446655440000",
    "accountId": "550e8400-e29b-41d4-a716-446655440001",
    "reference": "PAGO-12345"
  }
}

​
Field Description

​
id
string
required
Unique event identifier (UUID)
​
event
string
required
Event type - always fund_received for this webhook
​
timestamp
string
required
Event timestamp in ISO 8601 format
​
data
object
required
Contains the event data
​
data.method
string
required
Payment method used (card, bank_transfer, internal_transfer)
​
data.source
object
required
Payment origin information
​
data.source.bankAccountNumber
string
Complete bank account number (e.g., IBAN)
​
data.source.bankRoutingType
string
Bank routing type (e.g., “IBAN”, “SORT CODE”)
​
data.source.cardBin
string
First 6-8 digits of the payment card
​
data.source.cardLastFour
string
Last 4 digits of the payment card
​
data.source.internalAccountId
string
Internal account ID (UUID, for internal transfers)
​
data.source.transferId
string
Transfer reference ID (UUID)
​
data.source.description
string
Payment description
​
data.received
object
required
Information about the amount received before fees
​
data.received.amount
integer
required
Received amount in the smallest currency unit (e.g., cents for EUR)
​
data.received.currency
string
required
Currency of received amount (ISO 4217 code: EUR, USD, etc.)
​
data.fee
object
required
Information about applied fees
​
data.fee.amount
integer
required
Fee amount in the smallest currency unit
​
data.fee.currency
string
required
Fee currency (ISO 4217 code)
​
data.settled
object
required
Information about the net credited amount
​
data.settled.amount
integer
required
Net credited amount in the smallest currency unit
​
data.settled.currency
string
required
Currency of credited amount (ISO 4217 code)
​
data.quote
object
Exchange rate information (if conversion occurred)
​
data.quote.rate
number
Applied exchange rate (decimal)
​
data.quote.provider
string
Exchange rate provider (e.g., “ECB”, “OpenExchangeRates”)
​
data.quote.timestamp
string
Exchange rate timestamp (ISO 8601)
​
data.quote.validUntil
string
Exchange rate validity timestamp (ISO 8601)
​
data.quote.spread
number
Exchange rate spread (decimal, e.g., 0.0015 for 0.15%)
​
data.fundingId
string
required
Unique funding operation ID (UUID)
​
data.accountId
string
required
ID of the receiving account (UUID)
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data.reference
string
required
Reference of the payment (provided during creation)

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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_received') {
    const { fundingId, accountId, received, fee, settled } = data;
    
    // Process successful funding
    console.log(`Funding ${fundingId} received successfully`);
    console.log(`Account: ${accountId}`);
    console.log(`Received: ${received.amount} ${received.currency}`);
    console.log(`Fee: ${fee.amount} ${fee.currency}`);
    console.log(`Settled: ${settled.amount} ${settled.currency}`);
    
    // Update your internal systems
    await updateFundingStatus(fundingId, 'COMPLETED');
    await creditAccountBalance(accountId, settled.amount, settled.currency);
    
    // Respond with success
    res.status(200).json({ received: true });
  }
});