Wallet to Account - Completed Webhook

Overview

The walletToAccount.completed webhook fires when an outbound payout has successfully cleared banking networks (SEPA, ACH, Faster Payments, or SWIFT) and reached the beneficiary's institution.

• Event Name: walletToAccount.completed
• Target State: completed
• 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	Settled amount.
reference	string	Unique tracking reference.
state	string	Lifecycle state ("completed").
currency	string	Currency code.
type	string	Transaction type ("wallet_to_account").
walletId	integer	Debited wallet ID.
createdDate	string	Timestamp when requested.
completedDate	string	Timestamp when clearing confirmed settlement.
account	object	Beneficiary bank account record.

Example Payload

{
  "id": 10004,
  "amount": "1000.00",
  "reference": "REF-W2A-003",
  "state": "completed",
  "currency": "USD",
  "type": "wallet_to_account",
  "walletId": 4001,
  "createdDate": "2024-01-15T12:00:00Z",
  "completedDate": "2024-01-15T12:05:00Z",
  "account": {
    "id": 502,
    "accountNumber": "87654321",
    "bankName": "HSBC",
    "beneficiaryFirstName": "John",
    "beneficiaryLastName": "Smith",
    "beneficiaryEntityType": "individual",
    "currency": "USD",
    "status": "active"
  }
}

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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 walletToAccount.completed
    if (event.state === 'completed') {
      console.log(`Processing Wallet to Account - Completed 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: