With our GraphQL API you can request data and perform actions on your accounts, cards, transactions, etc. In this communication process, you (or your user) ask Swan to execute operations and we respond.
How to execute operations with our API
With webhooks, when an external event happens and a resource is updated on our side, we initiate the request to one of your endpoints. This allows you to process events that were not initiated by you - through our API, and in near real-time. Most of the time, few seconds after the event, and sometimes up to 10min.
How to get data using a webhook
Banking data is sensitive; that's why we require authentication to access it! And webhooks simply aren't that secure. So we won't send sensitive banking data through them, you'll just get a notification that something happened. To access sensitive data impacted by an event, you'll need to query our API.
You can configure a webhook from our dashboard. A webhook object possesses 5 characteristics:
status: a webhook can be Enabled or Disabled
label: input a short text of your choice
endpoint URL: the URL we will request
events: the list of event types where we request
secret(optional) : UUID Type 4 secret to check all webhooks we sent to the
endpoint URL. The maximum length of this secret is 36 characters.
Once a webhook is created, you can get more information on its usage and see all requests up to that point. This allows you to troubleshoot any errors you might encounter and see what Swan got back as a response. You can access filters on the
resourceIdto search for specific events that were fired.
For security reasons, you'll have to manually configure your webhooks. You can do this once you go live, in the live section.
If we encounter an error during a webhook request, we'll replay it up to 8 times. The Swan webhook retry policy is exponential and behaves as follows:
Time to trigger replay (estimated)
If all replays fail, you can replay it manually.
You can also select Retry from your Dashboard to trigger a webhook replay.
We send a POST request with the following body :
This example is an event triggered by the creation of a new transaction with the id
bosci_46976252125703bac107f4f8a4ca5b3d. Each event is described by two data:
eventTypewhich tells you what action was performed and on which resource type, and
eventIdwhich is unique for this action. For security reasons, we do not provide further information on our request. For more information on the resource impacted by the event, you must query our API.
Every request we make to your endpoint must be answered with the HTTP 200 code. If we receive another code, we consider it an error and retry the call a few seconds later. We make a maximum of eight tries per request. After that, you can still replay the request manually if you need to.
The first part of the
eventTypewill tell you what resources to query in an API call. In the following table, you will find all the event types and examples of their functional triggers.
This list of triggers is not exhaustive because the events are based on Swan's resources.
transaction.createdis an event type that is triggered every time there is a new transaction on your project. This could be a card payment, an incoming Sepa Credit Transfer, a received Sepa direct debit, or even a new type of transaction that hasn't been developed yet.
An account was closed
An onboarding was finalized
An account attribute was changed
An account is closing
An onboarding was finalized
A Banking Verification Status was updated by our compliance dept.
A new invoice is generated and available for download
A user was bound with the accountMembership
A new accountMembership was created
An accountMembership was disabled
A suspended accountMembership was resumed
An accountMembership was suspended
An accountMembership was updated by an action
An accountStatement was generated
A CapitalDepositCase was created
A CapitalDepositCase was updated
A new virtual card was created
A physical card was printed, a spending limit was updated ...
A consent was canceled by the partner
A consent was created for a sensitive operation
A consent expired without being refused or granted
The user accepted a sensitive operation
The user refused a sensitive operation
A consentURL was opened
A funding limit settings change request was created
A funding limit settings change request was updated
A funding source was created
A funding source was updated
A merchant profile was created
A merchant profile was updated
A new onboarding was created either through the API or the no-code interface
An onboarding was either finalized, or changed because new data was added to it
A receivedDirecDebitMandate was created either through the API or automatically by Swan
A receivedDirecDebitMandate was updated
A standing order was canceled
A standing order was scheduled
A transaction was completed and will appear on the account statement
An upcoming direct debit was canceled
A scheduled direct debit was deleted
An outboing Sepa Credit Transfer was processed and is waiting for the next SEPA batch, a card authorisation was accepted ...
A transaction was rejected for compliance reasons
A card authorization was released
A transaction was booked for a future date
In case you have a whitelisting to set on your infrastructure, you may need to add those following IPs on your side (sandbox and live environments)
Handling webhooks is important to make sure your integration's business logic works as expected.
Webhook endpoints might occasionally receive the same event more than once. We advise you to handle duplicated events by making your event processing idempotent. One way of doing this is logging the events you’ve processed, and then not processing already-logged events.
An example that we can mention is related to transactions. Our Webhooks are designed following the
At least oncescheme. This implies that for the same
transactionIDyou might get more than one notification, unlike
At most oncewhere notification is only sent once. The fundamental difference is that with this latter scheme, in case the notification is sent but not received, no retry operation will be conducted. This can be caused by some technical issues in the overall process or if the network fails. In case this happens, we might not send you a webhook notification, which in our opinion, is not a good practice. Therefore, we have adopted the
At least oncescheme.
The order in which some events are delivered is not guaranteed. Let's take an example of a regular card payment flow (authorisation - debit - release). This one would generate the following events:
When the authorisation is created, you get the first event. However, when the transaction switches to
Booked, you can either get the event in the order shown above, or the other way round (