Webhook events

Webhook authentication

We've taken some steps to secure webhook communications, so you can always verify that a webhook event came from us and not from a malicious party.

Below are the steps you need to follow to verify that a webhook event came from Bridgecard.

STEP 1: Access your webhook secret from your dashboard (live_webhook_secret_key or test_webhook_secret_key depending on the environment)

STEP 2: Whenever you get a webhook event from Bridgecard, extract the x-webhook-signature header and decrypt it using your secret key (live_secret_key / test_secret_key depending on the environment)

Python

$ pip install aes-everywhere

from AesEverywhere import aes256

# decryption
decrypted = aes256.decrypt('x-webhook-signature value', 'Bridgecard Secret Key')
decrypted = decrypted.decode()
print(decrypted)

NodeJS

$ npm install aes-everywhere

var AES256  = require('aes-everywhere');
// or
// import AES256 from 'aes-everywhere';

// decryption
var decrypted = AES256.decrypt('webhook secret', 'Bridgecard Secret Key')
console.log(decrypted);

PHP

$ composer require mervick/aes-everywhere

require '../../vendor/mervick/aes-everywhere/php/src/AES256.php';
use mervick\aesEverywhere\AES256;

$decrypt = AES256::decrypt('webhook secret', 'Bridgecard Secret Key')

Go

import "github.com/mervick/aes-everywhere/go/aes256"

// decryption
decrypted := aes256.Decrypt("webhook secret", "Bridgecard Secret Key")

STEP 3: Compare the decrypted string with your webhook secret key from STEP 1. If they are the same, then it is a valid webhook event sent from us.

All webhook events

These are the list of webhook events triggered when you communicate with our APIs.

cardholder_verification.successful

This webhook event is sent when a user has passed the ID verification process

{
    "event": "cardholder_verification.successful",
    "data" : {
        "cardholder_id": "859505050505",
        "is_active": true, 
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke"
    }
}

cardholder_verification.failed

This webhook event is sent when a user has failed the ID verification process

{
    "event": "cardholder_verification.failed",
    "data" : {
        "cardholder_id": "859505050505",
        "is_active": true, 
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "error_description": "the user passed an invalid ID number"
    }
}

card_creation_event.successful

We send this webhook event when a card is successfully created

{
    "event": "card_creation_event.successful",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True
        "meta_data": {"user_id": "d0658fedf828420786e4a7083fa"}
    }
}

card_creation_event.failed

This webhook event is sent when we can't complete your request to create a card.

{
    "event": "card_creation_event.failed",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True,
        "reason": "The user failed our second stage KYC verification for fraud detection, please contact admin."
    }
}

card_credit_event.successful

We send this webhook event when a successful credit transaction happens on a USD card.

{
    "event": "card_credit_event.successful",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "amount": "100",
        "currency": "USD",
        "transaction_reference":"859505050505",
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "card_transaction_type": "CREDIT",
        "transaction_date": "2022-09-28 23:10:45",
        "transaction_timestamp": "1664406645",
        "settled_available_balance":"500",
        "settled_book_balance":"400"
    }
}

card_credit_event.failed

We send this webhook event when a card funding transaction fails on a USD card.

{
    "event": "card_credit_event.failed",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "amount": "100",
        "currency": "USD",
        "transaction_reference":"859505050505",
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "card_transaction_type": "CREDIT",
        "transaction_date": "2022-09-28 23:10:45",
        "transaction_timestamp": "1664406645"
    }
}

card_unload_event.successful

You get this webhook event when an unload transaction is successful on a USD card.

{
    "event": "card_unload_event.successful",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "amount": "100",
        "description": "Virtual dollar card unloading",
        "currency": "USD",
        "transaction_reference":"859505050505",
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "card_transaction_type": "DEBIT",
        "transaction_date": "2022-09-28 23:10:45",
        "transaction_timestamp": "1664406645"
    }
}

card_unload_event.failed

You get this webhook event when an unload transaction on a USD card fails.

{
    "event": "card_unload_event.failed",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "amount": "100",
        "description": "Virtual dollar card unloading",
        "currency": "USD",
        "transaction_reference":"859505050505",
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "card_transaction_type": "DEBIT",
        "transaction_date": "2022-09-28 23:10:45",
        "transaction_timestamp": "1664406645"
    }
}

card_debit_event.successful

You get this webhook event when a debit transaction happens on a USD card.

{
    "event": "card_debit_event.successful",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "amount": "100",
        "description": "Amazon US",
        "currency": "USD",
        "transaction_reference":"859505050505",
        "livemode": false, 
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "card_transaction_type": "DEBIT",
        "merchant_category_code": "12345 can be None",
        "transaction_date": "2022-09-28 23:10:45",
        "transaction_timestamp": "1664406645",
        "settled_available_balance":"500",
        "settled_book_balance":"400"
    }
}

card_debit_event.declined

We send this webhook event whenever there's a declined transaction on the user's USD card.

{
  "data": {
    "amount": "100",
    "card_id": "06246484994004040404efcf",
    "cardholder_id": "06246484994004040404efcf",
    "currency": "USD",
    "decline_reason": "Transaction is not permitted. Please confirm that the billing address you're using is 256 Chapman Road STE 105-4, Newark, 19702, Delaware (DE) and try again. Also confirm from support if our cards work on this platform.",
    "description": "APPLE ECOM FBILL APPLE ECOM FBILL         866 D712 D7753",
    "issuing_app_id": "5b29cbe5b29cbe5b29cbe5b29cbe5b29cbe",
    "livemode": true,
    "transaction_date": "2024-02-27 19:54:51",
    "transaction_reference": "3cdee95e5e0c883cdee95e5e0c883cdee95e5e0c883cdee95e5e0c88",
    "transaction_timestamp": "1709063691"
  },
  "event": "card_debit_event.declined"
}

card_declined_transaction_fee_charge_event.successful

We send this webhook event when the declined transaction fee on a user's card has been charged.

{
   
   'event': 'card_declined_transaction_fee_charge_event.successful, 
   'data': {
       'card_id': '8eedfssfee443rffd1cb5e', 
       'cardholder_id': 'bfgg8eedfssfee443rffd1cb5e', 
       'currency': 'USD', 
       'amount': '30',
       'transaction_date': '2021-11-15 17:13:19', 
       'transaction_timestamp': '1636996399',
       'transaction_reference': '859505050505',
       'livemode': True, 
       'issuing_app_id': 'c6424f3c-1708-4386-9406-b20da7f4d6b9',
       'transaction_date': '2022-09-28 23:10:45',
       'transaction_timestamp': '1664406645',
       'card_transaction_type': 'DEBIT'
    }

}

card_reversal_event.successful

This webhook event is triggered whenever a user USD card gets a reversal from a merchant that they previously got debited from.

{
  "event": "card_reversal_event.successful",
  "data": {
    "card_id": "a303fb8b7a0e476fbc910671ca952b74",
    "cardholder_id": "9b78a44ccdf848fd860f75fd5c117d9d",
    "amount": "100",
    "currency": "USD",
    "transaction_reference": "22597F3D-A7A5-4C9B-B9DF-B7D918EE8241_REVERSAL",
    "transaction_date": "2022-09-28 23:10:45",
    "transaction_timestamp": "1664406645",
    "livemode": true,
    "issuing_app_id": "c6424f3c-1708-4386-9406-b20da7f4d6b9",
    "card_transaction_type": "CREDIT"
  }
}

card_delete_event.notification

This webhook event is triggered to notify a user that he doesn't have enough funds to pay the maintenance fee due in the subsequent month and his card will be automatically deleted in some days.

{
  "event": "card_delete_event.notification",
  "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "potential_delete_date": "2022-09-28 23:10:45",
        "livemode": True
    }
}

card_delete_event.successful

This webhook event is triggered whenever a user's USD card gets deleted. Note: USD Mastercard gets deleted if a user doesn't have enough balance to pay for the next month's monthly maintenance fee.

{
  "event": "card_delete_event.successful",
  "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True,
        "balance": "400",
        "reason": "" // can be None.
    }
}

3d_secure_otp_event.generated [Deprecated]

This webhook event is sent when a user attempts a transaction online and he's sent an OTP to confirm the transaction.

{
  "event": "3d_secure_otp_event.generated",
  "data": {
    "card_id": "86a19202202002020251i292",
    "cardholder_id": "86a19202202002020251i292",
    "otp": "430854",
    "merchant_name": "BRIDGECARD",
    "amount": "300",
    "currency": "USD",
    "last_four_digits": "4804",
    "issuing_app_id": "198286a192020251i292b01ab",
    "livemode": true,
    "transaction_date": "2023-02-02 23:49:00",
    "transaction_timestamp": "1675381740"
  }
}

Note:

This API is currently deprecated. To get OTP for transactions on the Mastercard kindly call the transaction history API to fetch the OTP for that current transaction.

Here is a sample. In this example, the OTP required for FACEBOOK is CB966S3VM2

card_maintenance_fee_debit_event.successful

We send this webhook event whenever when we deduct the monthly card maintenance fee from the card.

{
  "event": "card_maintenance_fee_debit_event.successful",
  "data": {
    "card_id": "38f155a93148",
    "cardholder_id": "08ceb6a9",
    "amount": "100",
    "currency": "USD",
    "transaction_date": "2023-04-30 11:21:18",
    "transaction_timestamp": "1682853678",
    "livemode": true,
    "issuing_app_id": "e9ab",
    "card_transaction_type": "DEBIT"
  }
}

card_freezed_due_to_30_days_inactivity_event.successful

This webhook event is sent when a user's card has been blocked because he hasn't done any transactions in the last 30 days.

{
  "event": "card_freezed_due_to_30_days_inactivity_event.successful",
  "data": {
    "card_id": "38f155a9314838f155a93148",
    "cardholder_id": "08ceb6a908ceb6a908ceb6a9",
    "livemode": true,
    "issuing_app_id": "e9ab08ceb6a908ceb6a908ceb6a9",
    "block_reason": "The user has not made any transactions in the last 30 days."
  }
}

card_flagged_due_to_suspiscion_of_fraud.activated

This webhook event is sent when a user's card has been blocked due to suspicion of fraudulent activity. We'll have to manually review this case and make a final decision, you can reach out to support in this case.

{
  "event": "card_flagged_due_to_suspiscion_of_fraud.activated",
  "data": {
    "card_id": "38f155a9314838f155a93148",
    "cardholder_id": "08ceb6a908ceb6a908ceb6a9",
    "livemode": true,
    "issuing_app_id": "e9ab08ceb6a908ceb6a908ceb6a9",
    "reason": "This card has been flagged due to suspicion of fraudulent transactions."
  }
}

naira_card_credit_event.successful

We send this webhook event when a successful credit transaction happens on a Naira card.

{   
   "event":"naira_card_credit_event.successful",
   "data":{
      "card_id":"1104776035",
      "transaction_reference":"190220249992843051",
      "cardholder_id":"016ff9d57b314d57aab3cfaf22f53840",
      "currency":"NGN",
      "issuing_app_id":"e98260dc-747f-4fa8-8b6c-4704a89b01ab",
      "livemode":false,
      "amount":"500",
      "transaction_reference": "57b314d57aab3016ff9d57b314d57aa",
      "transaction_type":"CREDIT",
      "transaction_date": "2022-09-28 23:10:45",
      "transaction_timestamp": "1664406645"
   }
}

naira_card_credit_event.failed

We send this webhook event when a credit transaction fails on a Naira card.

{   
   "event":"naira_card_credit_event.failed",
   "data":{
      "card_id":"1104776035",
      "transaction_reference":"190220249992843051",
      "cardholder_id":"016ff9d57b314d57aab3cfaf22f53840",
      "currency":"NGN",
      "issuing_app_id":"e98260dc-747f-4fa8-8b6c-4704a89b01ab",
      "livemode":false,
      "amount":"500",
      "transaction_reference": "57b314d57aab3016ff9d57b314d57aa",
      "transaction_type":"CREDIT",
      "transaction_date": "2022-09-28 23:10:45",
      "transaction_timestamp": "1664406645"
   }
}

naira_card_unload_event.successful

You get this webhook event when an unload transaction is successful on a Naira card.

{
   "event":"naira_card_unload_event.successful",
   "data":{
      "card_id":"1104776035",
      "transaction_reference":"190220249992843051",
      "cardholder_id":"016ff9d57b314d57aab3cfaf22f53840",
      "currency":"NGN",
      "issuing_app_id":"e98260dc-747f-4fa8-8b6c-4704a89b01ab",
      "livemode":false,
      "amount":"500",
      "transaction_reference": "57b314d57aab3016ff9d57b314d57aa",
      "transaction_type":"DEBIT",
      "transaction_date": "2022-09-28 23:10:45",
      "transaction_timestamp": "1664406645"
   }
}

naira_card_unload_event.failed

You get this webhook event when an unload transaction failed on a Naira card.

{
   "event":"naira_card_unload_event.failed",
   "data":{
      "card_id":"1104776035",
      "transaction_reference":"190220249992843051",
      "cardholder_id":"016ff9d57b314d57aab3cfaf22f53840",
      "currency":"NGN",
      "issuing_app_id":"e98260dc-747f-4fa8-8b6c-4704a89b01ab",
      "livemode":false,
      "amount":"500",
      "transaction_reference": "57b314d57aab3016ff9d57b314d57aa",
      "transaction_type":"DEBIT",
      "transaction_date": "2022-09-28 23:10:45",
      "transaction_timestamp": "1664406645"
   }
}

naira_card_debit_event.successful

You get this webhook event when an debit transaction is successful on a Naira card.

{
   "event":"naira_card_debit_event.successful",
   "data":{
      "cardholder_id":"30429e8efce74ad3a0b2df8bf9189136",
      "amount":"57272",
      "currency":"NGN",
      "is_successful":true,
      "transaction_type":"DEBIT",
      "transaction_reference":"0603202499930495",
      "issuing_app_id":"ef4ad945-e99b-4507-8609-709b144f77d4",
      "livemode":false,
      "description":"POINT OF SALE PURCHASE TRANSACTION POS@<99999999> <284118000200925> <APPLE.COM/BILL \\xa0 \\xa0 \\xa0 \\xa0 ITUNES.COM \\xa0 \\xa0 IE> <520360/129268> ",
      "transaction_timestamp":1709688060,
      "is_card":true,
      "transaction_date":"2024-03-06 02:21:00",
      "enriched_transaction":{
         "transaction_category":"Media",
         "transaction_group":"Non-Essential Expenses",
         "merchant_name":"Apple",
         "merchant_logo":"https://logos.ntropy.com/apple.com",
         "merchant_website":"apple.com",
         "merchant_city":"None",
         "is_recurring":true,
         "merchant_code":"None"
      }
   }
}

naira_card_debit_event.declined

You get this webhook event when a debit transaction is declined on a Naira card.

{
   "event":"naira_card_debit_event.declined",
   "data":{
      "cardholder_id":"30429e8efce74ad3a0b2df8bf9189136",
      "amount":"57272",
      "currency":"NGN",
      "is_successful":true,
      "transaction_type":"DEBIT",
      "transaction_reference":"0603202499930495",
      "issuing_app_id":"ef4ad945-e99b-4507-8609-709b144f77d4",
      "livemode":false,
      "description":"POINT OF SALE PURCHASE TRANSACTION POS@<99999999> <284118000200925> <APPLE.COM/BILL \\xa0 \\xa0 \\xa0 \\xa0 ITUNES.COM \\xa0 \\xa0 IE> <520360/129268> ",
      "transaction_timestamp":1709688060,
      "is_card":true,
      "transaction_date":"2024-03-06 02:21:00",
      "enriched_transaction":{
         "transaction_category":"Media",
         "transaction_group":"Non-Essential Expenses",
         "merchant_name":"Apple",
         "merchant_logo":"https://logos.ntropy.com/apple.com",
         "merchant_website":"apple.com",
         "merchant_city":"None",
         "is_recurring":true,
         "merchant_code":"None"
      }
   }
}

naira_account_credit_event.successful

This webhook event is sent when a user's naira account is credited

{
    'event': 'naira_account_credit_event.successful',
      'data': {
            'transaction_reference': '100720239194959', 
            'cardholder_id': '019349be694f4daea1a9b04c0', 
            'currency': 'NGN', 
            'issuing_app_id': 'e98260dc-sdfdsf-wewcw2-8b6c-4704a89b01ab', 
            'livemode': False, 
            'amount': '995000',
            'description': 'VPS TRANSFERS TRANSFER FROM JOHN DOE TO BRIDGECARD(Bridgecard) 99**92 Wallet fund ', 
            'transaction_type': 'CREDIT'
            }
}

naira_account_transfer_event.successful

This webhook event is sent when a user's naira account debit transaction is successful

{
    "event":"naira_account_transfer_event.successful", 
    "data":{
        "cardholder_id": "48499494",
        "amount": "995000",
        "currency":"NGN", 
        "is_successful": true,
        "transaction_type": "DEBIT",
        "recipient_account_number":"5403200440", 
        "recipient_bank_code":"0184",
        "transaction_reference":"100343243439991194959", 
        "livemode": true,
        "issuing_app_id":"e982-4fa8-8b6c-47b01ab",
        }
}

naira_account_transfer_event.failed

This webhook event is sent when a user's naira account debit transaction fails

{
    "event":"naira_account_transfer_event.failed", 
    "data":{
        "cardholder_id": "48499494",
        "amount": "995000",
        "currency":"NGN", 
        "is_successful": true,
        "transaction_type": "DEBIT",
        "recipient_account_number":"5403200440", 
        "recipient_bank_code":"0184",
        "transaction_reference":"100343243439991194959", 
        "livemode": true,
        "issuing_app_id":"e982-4fa8-8b6c-47b01ab",
        }
}

rewards_event.claimed

This webhook event is sent when a user claims a reward via the rewards service.

{
    "event": "rewards_event.claimed",
    "data": {
        "coupon_code": "25FY1SL4O9DI",
        "created_on": "19/08/2023",
        "description": "Women Leggings Black White",
        "downvotes": 0,
        "is_available": true,
        "merchant": "Aliexpress",
        "reward_id": "JDDDNDNDNDND",
        "reward_type": "PROMO_CODE",
        "success_record": 0,
        "upvotes": 0,
        "valid_till": 1694818799,
        "valid_till_date": "15/09/2023",
        "cardholder_id": "48499494",
    },
}

card_migration_event.successful

We send this webhook event when a card is successfully migrated

{
    "event": "card_migration_event.successful",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True
    }
}

cardholder_verification.manual_review

This webhook event is sent when a cardholder KYC fails and is subject to manual review within 24 hours.

{
    "event": "cardholder_verification.manual_review",
    "data" : {
        "cardholder_id": "859505050505",
        "is_active": False,
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True,
    }
}

card_migration_event.failed

This webhook event is sent when we can't complete your request to migrate a card.

{
    "event": "card_creation_event.failed",
    "data" : {
        "card_id": "859505050505",
        "cardholder_id": "859505050505",
        "currency": "USD",
        "issuing_app_id": "9ujinoncpsni3943198393939930ke",
        "livemode": True,
        "reason": "You don't have sufficient funds to create a card with this limit, you need to fund with up to $3 to create a card with a $5,000 limit and up to $4 for a card with $10,000 limit."
    }
}

Issuing_account_topup.successful

This webhook is sent after a successful top-up on your issuing wallet.

{
            "environment": “production”,
            "issuing_app_id": “9ujinoncpsni3943198393939930ke”,
            "data": {
                "event": "issuing_account_topup.successful",
                "data": {
                    "amount_topped_up_in_cents": 200
                },
            },
        }

card_negative_balance_event.notification

This webhook is sent when a card recieves a transaction update and the card balance goes into negative. Imagine your card has only a $10 balance. If you book an Uber ride with an estimated cost of $10, the ride cost is authorized and debited from your card right away. However, if an unforeseen event, like an accident, extends the ride and the cost increases to $15, the final amount will be adjusted during the settlement stage (typically within 0-3 days). In this case, the transaction amount will update to $15, resulting in a $5 negative balance on your card. Uber reserves the right to apply this negative balance to the card.

{
  "event": "card_negative_balance_event.notification",
  "data": {
    "card_id": "637387383939ee3003838033",
    "cardholder_id": "637387383939ee3003838033",
    "currency": "USD",
    "issuing_app_id": "637387383939ee3003838033",
    "livemode": true,
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