> ## Documentation Index
> Fetch the complete documentation index at: https://doc.raliopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Unmatched Bank Payin Detected

> Webhook event fired when an incoming bank transfer cannot be attributed to any payin order

<Info>
  **Event Name:** `unmatched_bank_payin_detected`
</Info>

An incoming bank transfer reached one of your pooled receiving accounts, but the automatic matching could not attribute it to any payin order. The funds are held in `PENDING` state until you [assign](/api-reference/account-unmatched-bank-payins/assign-one-of-the-merchants-unmatched-bank-payins-to-an-account) or [reject](/api-reference/account-unmatched-bank-payins/reject-one-of-the-merchants-unmatched-bank-payins) the payin.

## Event Payload

The webhook payload contains the following structure:

<CodeGroup>
  ```json Example Payload theme={null}
  {
    "eventId": "550e8400-e29b-41d4-a716-446655440000",
    "eventType": "unmatched_bank_payin_detected",
    "timestamp": "2026-07-10T09:15:32.481Z",
    "data": {
      "id": 42,
      "state": "PENDING",
      "reason": "NO_VALID_CODE",
      "amount": 150000,
      "currency": "EUR",
      "concept": "REF-UNKNOWN",
      "senderName": "ACME LTD",
      "senderAccount": "ES9121000418450200051332",
      "rail": "SEPA"
    }
  }
  ```
</CodeGroup>

<Note>
  `amount` is expressed in **minor units** (`150000` = 1,500.00 EUR). `concept`, `senderName`, `senderAccount` and `rail` are included when the provider reports them. See the [overview](/webhooks-events/unmatched-bank-payin/overview) for the full field reference and the possible `reason` values.
</Note>