Auth API
- How to authenticate
Deliver API
- Persons
- Businesses
- External Accounts
- Cards
- Transfers
- Schedules
- Eligibility
- Transfer Groups
- Balance
- Reports
Verify API
Webhooks API
- Overview And Set Up
- Event Types and Payloads
- Configure webhooks
- Trigger webhooks
- Secure webhooks
Invoke A Test Webhook Event
curl --request POST \
--url https://api-sandbox.orum.io/webhooks/invoke \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'Orum-Version: <orum-version>' \
--data '{
"event_type": "person_created",
"data": {
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"customer_reference_id": "<string>",
"first_name": "<string>",
"middle_name": "<string>",
"last_name": "<string>",
"date_of_birth": "<string>",
"status": "created",
"addresses": [
{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "home",
"address1": "<string>",
"address2": "<string>",
"city": "<string>",
"state": "<string>",
"country": "US",
"zip5": "<string>",
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}
],
"contacts": [
{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "email",
"value": "<string>",
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}
],
"status_reasons": [
{
"reason_code": "invalid_address",
"reason_code_message": "Address submitted is a non-supported address type"
}
],
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z",
"closed_at": "2023-11-07T05:31:56Z",
"metadata": {}
}
}'
This response does not have an example.
Authorizations
The access token received from the authorization server in the OAuth 2.0 flow.
Headers
Version of Deliver API. Use v2022-09-21.
v2022-09-21
Body
The type of event you want to invoke a webhook for.
person_created
, person_verified
, person_rejected
, person_restricted
, person_unverified
, person_closed
Orum generated unique id for the resource.
Unique reference id for the customer (business or person) resource. Generated by you.
1 - 255
Status of person in Orum system.
created
, verified
, rejected
, restricted
, closed
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Date of birth in YYYY-MM-DD format. Note: This field is required for payouts, deposits, or account-to-account transfers. Age must be less than 100 years and greater than 18 years to be verified.
Address information for the person. Note: This field is required for payouts, deposits, or account-to-account transfers.
Address.
Orum generated unique id for the resource.
Type of address.
home
, legal
Address line 1.
255
City.
255
Uppercase two-character state code of the address.
2-character ISO country code.
US
5-digit ZIP Code. Numeric values (0-9) only.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Address line 2.
255
List of contact information for the person.
Contact information.
Orum generated unique id for the resource.
Type of contact information associated with a person - 'email' or 'phone'.
email
, phone
Email or phone number.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Array that explains why the person failed verification.
Timestamp when the status of the resource was set to "closed".
Additional data you would like to provide on the resource. The field supports valid JSON of up to 5 key-value pairs with a maximum of 20 characters for the key and 50 characters for the value. Do not include any sensitive information.
The type of event you want to invoke a webhook for.
person_created
, person_verified
, person_rejected
, person_restricted
, person_unverified
, person_closed
Orum generated unique id for the resource.
Unique reference id for the customer (business or person) resource. Generated by you.
1 - 255
Status of person in Orum system.
created
, verified
, rejected
, restricted
, closed
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Date of birth in YYYY-MM-DD format. Note: This field is required for payouts, deposits, or account-to-account transfers. Age must be less than 100 years and greater than 18 years to be verified.
Address information for the person. Note: This field is required for payouts, deposits, or account-to-account transfers.
Address.
Orum generated unique id for the resource.
Type of address.
home
, legal
Address line 1.
255
City.
255
Uppercase two-character state code of the address.
2-character ISO country code.
US
5-digit ZIP Code. Numeric values (0-9) only.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Address line 2.
255
List of contact information for the person.
Contact information.
Orum generated unique id for the resource.
Type of contact information associated with a person - 'email' or 'phone'.
email
, phone
Email or phone number.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Array that explains why the person failed verification.
Timestamp when the status of the resource was set to "closed".
Additional data you would like to provide on the resource. The field supports valid JSON of up to 5 key-value pairs with a maximum of 20 characters for the key and 50 characters for the value. Do not include any sensitive information.
The type of event you want to invoke a webhook for.
business_created
, business_verified
, business_rejected
, business_restricted
, business_unverified
, business_closed
Orum generated unique id for the resource.
Unique reference id for the customer (business or person) resource. Generated by you.
1 - 255
The legal name of the business as it appears on official registration forms. Accepts alphanumeric characters and hyphens, dashes, periods, apostrophes, spaces, hashes, colons, forward slashes, and diacritics.
Status of Business.
created
, verified
, rejected
, restricted
, closed
Timestamp when the resource was created.
Timestamp when the resource was last updated.
A trade name or pseudonym used by the business that is not its officially registered company name. Accepts alphanumeric characters and hyphens, dashes, periods, apostrophes, spaces, hashes, colons, forward slashes, and diacritics.
Describes the type of business entity.
The type of tax ID number associated with the business. Note: This field is required for payouts, deposits, or account-to-account transfers.
Name of the owner or primary person associated with the business.
Date the business was incorporated, in YYYY-MM-DD format.
Incorporated address information for the business. Note: This field is required for payouts, deposits, or account-to-account transfers. Orum requires a physical address for all registered businesses; aligned with standards mandated by FinCEN and the FDIC. A physical address is a tangible building address, such as a home, office, or office suite. A PO Box is a mailing address, but not a physical address.
Address.
Orum generated unique id for the resource.
Type of address.
home
, legal
Address line 1.
255
City.
255
Uppercase two-character state code of the address.
2-character ISO country code.
US
5-digit ZIP Code. Numeric values (0-9) only.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Address line 2.
255
List of contact information for the business.
Contact information.
Orum generated unique id for the resource.
Type of contact information associated with a business - 'email', 'phone' or 'website'.
email
, phone
, website
A standard set of values that indicate the contact type.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Timestamp when the status of the resource was set to "closed".
Additional data you would like to provide on the resource. The field supports valid JSON of up to 5 key-value pairs with a maximum of 20 characters for the key and 50 characters for the value. Do not include any sensitive information.
The type of event you want to invoke a webhook for.
external_account_created
, external_account_verified
, external_account_rejected
, external_account_restricted
, external_account_unverified
, external_account_closed
A single object of External Account.
Orum generated unique id for the resource.
Unique reference id for the external account. Generated by you.
1 - 255
Unique customer_reference_id that you passed when creating the associated customer (business or person) resource.
255
Type of customer resource - business, person, or enterprise.
business
, person
, enterprise
Type of bank account - checking or savings.
checking
, savings
Account number for US bank account. 4 to 17 digits are acceptable.
9-digit American Bankers Association (ABA) routing number.
Name of account holder.
Status of the external account.
created
, verified
, rejected
, restricted
, closed
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Timestamp when the status of the resource was set to "closed".
Additional data you would like to provide on the resource. The field supports valid JSON of up to 5 key-value pairs with a maximum of 20 characters for the key and 50 characters for the value. Do not include any sensitive information.
The type of event you want to invoke a webhook for.
transfer_updated
Orum generated unique id for the resource.
Unique reference id for the transfer. Generated by you.
1
Transfer amount in integral cents (example: 100 = $1). Must be greater than zero.
x >= 1
Currency code in ISO 4217 format. Only USD is supported.
USD
Speed of transfer.
asap
, standard
, same_day
, wire
Describes the current status of the transfer.
completed
, created
, failed
, pending
, settled
Timestamp when the resource was created.
Timestamp when the resource was last updated.
For use cases that require a Source, information about the transfer funding source, which will be debited.
Unique reference ID for the customer (person or business) associated with the external account being debited.
Unique reference ID for the external account being debited.
The name that will appear on the bank account statement of the account being debited. The field supports 16 alphanumeric characters for ACH, and 140 for RTP.
Unique tracking number of the payment assigned by its origination FI. This number can be used to track the lifecycle of the payment at the FI.
Unique tracking number assigned to a return to associate it back with its original trace number for reconciliation.
Information about the transfer funds destination, which will be credited.
Unique reference ID for the customer (person or business) associated with the external account being credited.
Unique reference ID for the account being credited.
The name that will appear on the bank account statement of the account being debited. The field supports 16 alphanumeric characters for ACH, and 140 for RTP.
Unique tracking number of the payment assigned by its origination FI. This number can be used to track the lifecycle of the payment at the FI.
Unique tracking number assigned to a return to associate it back with its original trace number for reconciliation.
Array that explains why the transfer failed.
For failed transfers - details on why the transfer is in a failed state.
Present if transfer failed due to an issue with the transfer source.
A word-based code created by Orum to describe the reason for the failure. Orum reason codes are rail-agnostic.
"insufficient_funds"
A human-readable description of the reason code.
The reason code sent by the network (ex R01).
The message sent by the network.
The payment rail used in the transfer. Either RTP or ACH.
Present if transfer failed due to an issue with the transfer destination.
A word-based code created by Orum to describe the reason for the failure. Orum reason codes are rail-agnostic.
"insufficient_funds"
A human-readable description of the reason code.
The reason code sent by the network (ex R01).
The message sent by the network.
The payment rail used in the transfer. Either RTP or ACH.
Banks can display additional information to help the end user understand why they received funds. This information will appear on both the source and destination bank account statements. The field supports 10 alphanumeric characters for ACH and 140 for RTP.
Estimated date that funds will arrive in destination account. Time will always be midnight and should be ignored.
Additional data you would like to provide on the resource. The field supports valid JSON of up to 5 key-value pairs with a maximum of 20 characters for the key and 50 characters for the value. Do not include any sensitive information.
Orum generated unique id for the resource.
Orum generated unique id for the resource.
The type of event you want to invoke a webhook for.
verify_account_updated
Orum generated unique id for the resource.
Timestamp when the resource was created.
Timestamp when the resource was last updated.
Account number for US bank account. 4 to 17 digits are acceptable.
9-digit American Bankers Association (ABA) routing number.
Name of account holder. Accepts alphanumeric characters and hyphens, dashes, periods, apostrophes, spaces, and diacritics.
1 - 255
Status of account verification.
pending
, valid
, closed
, invalid
, failed
Email address to notify once the statement code is sent to the account to verify account control.
Status reason for failed, invalid, and closed accounts.
blocked_account
, closed_account
, deceased_party
, duplicated_transfer
, invalid_account
, invalid_field
, invalid_routing
, regulatory_error
, unavailable_financial_institution
, unexpected_error
, unsupported_transfer
Status of account ownership.
pending
, full
, partial
, not_a_match
, not_found
Ownership details for a person
Result of Ownership match
match
, not_a_match
, not_found
Result of Ownership match
match
, not_a_match
, not_found
Result of Ownership match
match
, not_a_match
, not_found
Result of Ownership match
match
, not_a_match
, not_found
Ownership details for a business
Result of Ownership match
match
, not_a_match
, not_found
Result of Ownership match
match
, not_a_match
, not_found
Result of Ownership match
match
, not_a_match
, not_found
Status of account control.
pending
, valid
, canceled
Status of account debit.
pending
, valid
, blocked
, failed
Status reason for failed and blocked accounts.
blocked_account
, closed_account
, deceased_party
, duplicated_transfer
, invalid_account
, invalid_field
, invalid_routing
, regulatory_error
, unavailable_financial_institution
, unexpected_error
, unsupported_transfer
, debit_blocked
, unauthorized_transfer
Estimated date that the account verification will be complete. Time will always be midnight and should be ignored.
"2023-07-13T00:00:00.000Z"
Name of sender initiating the verification request. This name will appear on the statement and should be recognizable to the account holder. Accepts alphanumeric characters and hyphens, dashes, periods, apostrophes, spaces, and diacritics.
1 - 255
Response
201 response.
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curl --request POST \
--url https://api-sandbox.orum.io/webhooks/invoke \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'Orum-Version: <orum-version>' \
--data '{
"event_type": "person_created",
"data": {
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"customer_reference_id": "<string>",
"first_name": "<string>",
"middle_name": "<string>",
"last_name": "<string>",
"date_of_birth": "<string>",
"status": "created",
"addresses": [
{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "home",
"address1": "<string>",
"address2": "<string>",
"city": "<string>",
"state": "<string>",
"country": "US",
"zip5": "<string>",
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}
],
"contacts": [
{
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"type": "email",
"value": "<string>",
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z"
}
],
"status_reasons": [
{
"reason_code": "invalid_address",
"reason_code_message": "Address submitted is a non-supported address type"
}
],
"created_at": "2023-11-07T05:31:56Z",
"updated_at": "2023-11-07T05:31:56Z",
"closed_at": "2023-11-07T05:31:56Z",
"metadata": {}
}
}'
This response does not have an example.