IBAN to Wallet - Disputed Webhook

Overview

The ibanToWallet.disputed webhook fires when an inbound transfer is recalled by the remitting financial institution, placed on compliance hold, or subject to a formal dispute.

• Event Name: ibanToWallet.disputed
• Target State: disputed
• HTTP Method: POST (Sent from Atlas to your configured webhook listener URL)

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Webhook Headers

Header	Description
Content-Type	application/json
X-Atlas-Signature	HMAC SHA-256 signature and timestamp for message authentication
X-Atlas-Delivery-Id	Unique UUID tracking this webhook delivery attempt

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Payload Schema

Payload Fields

Field	Type	Description
id	integer	Unique payment transaction ID.
amount	string	Disputed amount.
reference	string	Unique order tracking reference.
state	string	Current lifecycle state ("disputed").
currency	string	ISO currency code.
type	string	Transaction type ("iban_to_wallet").
walletId	integer	Affected wallet identifier.
bankingPartner	string	Banking partner handling the dispute.
receivingAccount	string	Virtual IBAN recipient.
createdDate	string	Original deposit timestamp.
companyId	string	Platform company identifier.

Example Payload

{
  "id": 10001,
  "amount": "500.00",
  "reference": "REF-IBAN-001",
  "state": "disputed",
  "currency": "EUR",
  "type": "iban_to_wallet",
  "walletId": 2001,
  "bankingPartner": "ClearBank",
  "receivingAccount": "GB29NWBK60161331926819",
  "createdDate": "2024-01-15T10:30:00Z",
  "companyId": "comp-123"
}

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Expected Response

Your endpoint must respond with an HTTP 200 OK status code within 5 seconds to acknowledge delivery:

HTTP/1.1 200 OK
Content-Type: application/json

{
  "status": "received"
}

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Handling Example

// Express.js Webhook Handler
app.post('/api/webhooks/atlas', express.raw({ type: 'application/json' }), (req, res) => {
  const signature = req.headers['x-atlas-signature'];

  try {
    // 1. Verify webhook signature
    verifySignature(req.body, signature, process.env.ATLAS_WEBHOOK_SECRET);

    const event = JSON.parse(req.body.toString());

    // 2. Handle ibanToWallet.disputed
    if (event.state === 'disputed') {
      console.log(`Processing IBAN to Wallet - Disputed Webhook: Reference ${event.reference}, Amount: ${event.amount} ${event.currency}`);
      // Update your internal order or ledger state
    }

    // 3. Acknowledge receipt
    res.status(200).json({ status: 'received' });
  } catch (err) {
    console.error('Webhook verification failed:', err.message);
    res.status(400).send('Invalid signature');
  }
});

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Interactive Payload Schema & Example

Review the full JSON schema and test response handling: