Issuing Webhook Events

This directory documents all Issuing-related webhook events.

All webhooks are delivered via HTTP POST with a unified envelope structure.

Common Fields

Field	Type	Description
event_id	string	Unique event identifier
event_name	string	Always `ISSUING`
event_type	string	Specific event type
source_id	string	Source ID (order ID / transaction ID)
version	string	API version
data	object	Event payload

Event List

Card Created Event

Card Status Updated Event

Card Recharged Event

3DS OTP Event

Transaction Event

Transaction Not Supported Event

Each event is documented in a separate Markdown file.

Card Created Event(卡片创建)

Event Info

Event Name: ISSUING

Event Types:

card.create.succeeded

card.create.failed

Trigger: Fired when card creation succeeds or fails

Payload Structure

Top Level

Field	Type	Description
event_id	string	Event ID
event_type	string	Creation result
source_id	string	Card order ID
data	object	Card object

`data` Object (Card)

Field	Type	Description
card_id	string	Card ID
card_bin	string	BIN
card_scheme	string	VISA / Mastercard
card_number	string	Masked card number
form_factor	string	PHYSICAL / VIRTUAL
mode_type	string	Mode type
card_product_id	string	Card product ID
card_available_balance	string	Available balance
cardholder	object	Cardholder info
spending_limits	array	Spending rules
risk_controls	object	Risk controls
metadata	object	Custom metadata
card_status	string	Card status(卡片状态，取值为以下之一：ACTIVE, PRE_CANCEL, CANCELLED, FROZEN, BLOCKED)

`cardholder` Object

Field	Type	Description
cardholder_id	string	Cardholder ID
email	string	Email
first_name	string	First name
last_name	string	Last name
create_time	string	Created time
cardholder_status	string	Status
plete_time	string	事件完成时间，ISO8601 格式

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.create.succeeded",
  "event_id": "c6dca5c7-b64f-4c49-97dd-074fc66a5fba",
  "source_id": "ed977d6b-d86a-4cda-9e54-92cf0ce6228a",
  "data": {
    "card_available_balance": "1000",
    "card_bin": "40963608",
    "card_id": "f5d1e60a-6852-4fea-bb09-1d5bdab657a0",
    "card_number": "40963608****8664",
    "card_product_id": "467e993f-317a-49fc-9ea0-bf49de7d1f76",
    "card_scheme": "VISA",
    "card_status": "ACTIVE",
    "cardholder": {
      "cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
      "cardholder_status": "SUCCESS",
      "create_time": "2026-04-10T18:03:47+08:00",
      "email": "quickstart-1775815424@example.com",
      "first_name": "Alex",
      "last_name": "Chen"
    },
    "form_factor": "VIRTUAL",
    "metadata": {},
    "mode_type": "SHARE",
    "risk_control": {
      "enable_3ds": "Y",
      "allow_3ds_transactions": "Y"
    },
    "spending_limits": [
      {
        "amount": "20000",
        "interval": "PER_TRANSACTION"
      }
    ]
  }
}

Card Activation Updated Event(实体卡绑定)

Event Info

Event Name: ISSUING

Event Types:

card.activation.status

Trigger: Triggered when the binding of the physical card is completed

`data` Object

Field	Type	Description
card_id	string	Card ID
card_number	string	Card Number
activation_status	string	New card status

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.activation.status",
  "event_id": "2ad09af2-f6dd-4fbf-bc47-83712aa2670d",
  "source_id": "ba4bdf3e-c2b7-4197-9487-dc269e77b2c0",
  "data": {
    "activation_status": "Activated",
    "card_id": "ba4bdf3e-c2b7-4197-9487-dc269e77b2c0",
    "card_number": "40963608****5859"
  }
}

Card Activation Updated Event(实体卡激活)

Event Info

Event Name: ISSUING

Event Types:

card.activation.code

Trigger: Triggered when the binding of the physical card is completed

`data` Object

Field	Type	Description
card_id	string	Card ID
card_number	string	Card Number
activation_code	string	Activation Code

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.activation.code",
  "event_id": "78ca1f8a-cf8a-42a4-ae0b-9b2acebe600b",
  "source_id": "ba4bdf3e-c2b7-4197-9487-dc269e77b2c0",
  "data": {
    "activation_code": "57609685",
    "card_id": "ba4bdf3e-c2b7-4197-9487-dc269e77b2c0",
    "card_number": "40963608****5859"
  }
}

Card Status Updated Event(卡状态更新事件)

Event Info

Event Name: ISSUING

Event Types:

card.status.update.succeeded

card.status.update.failed

Trigger: Fired when card status update completes or fails

`data` Object

Field	Type	Description
card_id	string	Card ID
card_number	string	Masked card number
update_time	string	Update time
card_status	string	New card status
update_reason	string	Update reason

Card Status Enum

Status	Description
ACTIVE	Card active
PRE_CANCEL	Pre-cancelled
CANCELLED	Permanently cancelled
FROZEN	Temporarily frozen
BLOCKED	Blocked due to risk

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.status.update.succeeded",
  "event_id": "87ea563b-659c-469d-9ed9-34131eac2632",
  "source_id": "027fd0b1-5334-4cb3-82c0-d40688142a51",
  "data": {
    "card_id": "6f33bffb-63b3-412e-9fc8-3e4c33f265bf",
    "card_number": "46651711****3173",
    "available_balance": "500",
    "currency": "USD",
    "card_status": "CANCELLED",
    "update_reason": " card test",
    "update_time": "2026-04-08T11:46:09+08:00"
  }
}

Card Recharged Event(卡充值事件)

Event Info

Event Name: ISSUING

Event Types:

card.recharge.succeeded

card.recharge.failed

Trigger: Fired when card recharge completes or fails

`data` Object

Field	Type	Description
card_id	string	Card ID
amount	string	Recharge amount
card_available_balance	string	Balance after recharge
card_currency	string	Currency
update_time	string	Update time
complete_time	string	Completion time
card_status	string	Card status
order_status	string	Order status

Order Status Enum

Status	Description
SUCCESS	Recharge succeeded
FAILED	Recharge failed
PENDING	Pending
PROCESSING	Processing

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.recharge.succeeded",
  "event_id": "dcbdbcb7-71e7-471e-94d6-91b6da45e332",
  "source_id": "c62a3cd2-4e69-43bc-837d-a7a1f09c54f7",
  "data": {
    "amount": "100.02",
    "card_available_balance": "128.52",
    "card_currency": "USD",
    "card_id": "88e8c3a8-1cd1-400e-a58c-d3e8bc9d3e00",
    "card_status": "ACTIVE",
    "complete_time": "2026-04-09T13:34:58.838+08:00",
    "order_status": "SUCCESS",
    "update_time": "2026-04-09T13:34:58.838+08:00"
  }
}

Card Transfer Event(卡卡转账事件)

Event Info

Event Name: ISSUING

Event Types:

card.transfer.succeeded

Trigger: Triggered when card transfer is completed

`data` Object

Field	Type	Description
from_card_id	string	Card ID
to_card_id	string	Card ID
out_amount	string	Out amount
in_amount	string	IN amount
card_currency	string	Currency
create_time	string	Create time
update_time	string	Update time
transfer_status	string	Order status

Order Status Enum

Status	Description
SUCCESS	Recharge succeeded
FAILED	Recharge failed
PENDING	Pending
PROCESSING	Processing

示例

{
    "version": "V1.6.0",
    "event_name": "ISSUING",
    "event_type": "card.transfer.succeeded",
    "event_id": "c65008e8-c01a-4612-ba1f-4ebc157b41de",
    "source_id": "81d50602-c480-4dc3-9e3e-c16b6f86a27c",
    "data": {
       "from_card_id":    "09b0fc84-b6e6-4f1a-ac5d-6c306a36728b",
        "to_card_id":      "09b0fc84-b6e6-4f1a-ac5d-6c306a36728b",
        "out_amount":          "200",//转出金额
        "in_amount":          "200",//转入金额
        "card_currency":   "USD",
        "create_time":     "2025-07-17T14:55:39+08:00",
        "complete_time":   "2025-07-17T14:55:39+08:00",
        "transfer_status": "SUCCESS",
    }
}

3DS OTP Event(3D验证事件)

Event Info

Event Name: ISSUING

Event Type: card.3ds.otp

Trigger: Fired when a transaction requires 3D Secure verification

`data` Object

Field	Type	Description
reference_code	string	OTP reference code
otp	string	One-time password
customer_id	string	Customer ID
card_id	string	Card ID
card_number	string	Masked card number
transaction_currency	string	Currency
transaction_amount	string	Amount
merchant_name	string	Merchant name

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.3ds.otp",
  "event_id": "26de83a5-cea5-4f84-ab11-48813025e40a",
  "source_id": "12ea604d-5899-43d6-8c2d-618c9ce8eae3",
  "data": {
    "reference_code": "4868798",
    "otp": "12344444",
    "customer_id": "67f006f4-d593-49f4-be0e-f1f894e8933b",
    "card_id": "1d749d10-511e-469f-9a83-0560a602ac37",
    "card_number": "1234********3381",
    "transaction_currency": "USD",
    "transaction_amount": "100",
    "merchant_name": "Example Merchant"
  }
}

Card OTP Event(卡片验证事件)

Event Info

Event Name: ISSUING

Event Type: card.verification.otp

Trigger: Fired when a transaction requires email Secure verification

`data` Object

Field	Type	Description
otp	string	One-time password
card_id	string	Card ID
card_number	string	Masked card number

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "card.verification.otp",
  "event_id": "0f3891bc-5bec-4aea-bd33-ba67997065f0",
  "source_id": "cc56949f-ef3f-4b11-ae88-3af6093fde0f",
  "data": {
    "card_id": "cc56949f-ef3f-4b11-ae88-3af6093fde0f",
    "card_number": "40963609****7723",
    "otp": "111111",
    "wallet_type": "GOOGLE_PAY"
  }
}

Transaction Event(交易事件)

Event Types

issuing.transaction.authorization- 交易授权(发卡机构批准了持卡人发起的交易。通常用于普通购物或交易)

issuing.transaction.reversal- 交易冲正(之前的交易被取消或撤销——例如由于欺诈、操作错误或交易取消等原因。资金将退回持卡人账户)

issuing.transaction.refund- 交易退款(持卡人退回了购买的商品或服务，商家将款项退还到了持卡人的账户)

issuing.transaction.settlement.credit- 结算贷记(结算金额低于原交易金额，因此差额将记入持卡人账户)

issuing.transaction.settlement.debit - 结算借记(结算金额高于原始交易金额，因此差额将从持卡人账户中扣除)

issuing.transaction.settlement.reversal- 结算冲正(之前一笔结算交易因出错而被撤销，资金已退还给持卡人)

issuing.transaction.fund.collection - 资金收集(持卡人卡账户收到来自外部来源的款项通知，该款项由卡组织（例如 Visa/Mastercard）报告给 ORIXA 并转发给您。此通知不同于持卡人发起的转账CARD RECHARGE以及为您的发卡行余额充值)

issuing.transaction.validation- 交易验证(验证卡片的有效性，确认持卡人信息正确且卡片已激活。通常与授权流程同时执行)

issuing.transaction.atm.deposit- ATM存款

issuing.transaction.authorization- ATM取款(merchant_data.category_code区分)

issuing.transaction.chargeback.credit- 拒付贷记(已处理退款)

issuing.transaction.chargeback.debit- 拒付借记(已处理一笔拒付借记)

`data` Object

Field	Type	Description
card_id	string	Card ID
card_number	string	Masked card number
cardholder_id	string	Cardholder ID
transaction_id	string	Transaction ID
short_transaction_id	string	Short ID
original_transaction_id	string	Original transaction
card_available_balance	string	Balance after
transaction_type	string	Transaction type
transaction_fee	string	Fee
transaction_fee_currency	string	Fee currency
fee_pass_through	string	Y / N
authorization_code	string	Auth code
billing_amount	string	Billing amount
billing_currency	string	Billing currency
transaction_amount	string	Amount
transaction_currency	string	Currency
transaction_time	string	Transaction time
posted_time	string	Posted time
merchant_data	array	Merchant info
wallet_type	string	Wallet type
description	string	Remark or decline reason
transaction_status	string	APPROVED / DECLINED

`merchant_data`

Field	Type	Description
category_code	string	MCC/6011 [FINANCIAL INSTITUTIONS - AUTOMATED CASH DISBURSEMENTS]
city	string	City
country	string	Country
name	string	Merchant name

示例

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "issuing.transaction.authorization",
  "event_id": "234fca01-1ace-4d34-baf5-29b10e9d11c0",
  "source_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
  "data": {
    "authorization_code": "W6MJU9",
    "billing_amount": "11.5",
    "billing_currency": "USD",
    "card_available_balance": "988.5",
    "card_id": "50418faa-57a8-4ce2-9157-621b00b13a3b",
    "card_number": "40963608****1764",
    "cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
    "description": "",
    "fee_pass_through": "Y",
    "merchant_data": [
      {
        "category_code": "5734",
        "city": "",
        "country": "",
        "name": "Test Merchant"
      }
    ],
    "original_transaction_id": "",
    "posted_time": "2026-04-12T15:27:39.563+08:00",
    "short_transaction_id": "T260412-2AHV51KO5U68",
    "transaction_amount": "10",
    "transaction_currency": "USD",
    "transaction_fee": "1.5",
    "transaction_fee_currency": "USD",
    "transaction_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
    "transaction_status": "APPROVED",
    "transaction_time": "2026-04-12T15:27:39.48+08:00",
    "transaction_type": "AUTHORIZATION",
    "wallet_type": ""
  }
}

Transfer Payout(全球付交易)

Event Types

transfer.payout.succeeded - 打款成功

transfer.payout.failed - 打款失败

Body Object

Field	Type	Description
event_id	string	A unique ID for the event.
event_name	string	Event name，如 BANKING.
event_type	string	Event type.
source_id	string	第三方转账订单号（Transfer order ID）.
data	object	转账明细，见下表.

data 对象字段

Field	Type	Description
transfer_order_no	string	第三方转账订单号
transfer_status	string	SUCCESS / FAIL
transfer_amount	string	转账金额（目标币种）
transfer_currency	string	目标币种，如 SGD、THB
channel_fee_usd	string	通道费（USD）
service_fee_usd	string	手续费（USD）
fail_reason	string	失败原因，成功时为空字符串
create_time	int	创建时间戳
complete_time	int	完成时间戳

成功回调响应示例

{
  "event_id": "8741046a-6eba-4471-bfeb-acb2844d4f0a",
  "event_name": "BANKING",
  "event_type": "transfer.payout.succeeded",
  "source_id": "ARM-69aa3d1ff135b",
  "data": {
    "channel_fee_usd": "46.5",
    "complete_time": 1772692731,
    "create_time": 1772692098,
    "fail_reason": "",
    "service_fee_usd": "58.94",
    "transfer_amount": "150",
    "transfer_currency": "SGD",
    "transfer_order_no": "ARM-69aa3d1ff135b",
    "transfer_status": "SUCCESS"
  }
}

失败回调响应示例

{
  "event_id": "fc9bd1b6-4a00-4112-9340-c356e1b4f314",
  "event_name": "BANKING",
  "event_type": "transfer.payout.failed",
  "source_id": "ARM-69aa3d1ff135b",
  "data": {
    "channel_fee_usd": 0,
    "complete_time": 1772546982,
    "create_time": 1772462475,
    "fail_reason": "Abnormal payment information",
    "service_fee_usd": 0,
    "transfer_amount": "3500",
    "transfer_currency": "THB",
    "transfer_order_no": "ARM-69aa3d1ff135b",
    "transfer_status": "FAIL"
  }
}

说明：fail_reason 中若包含 error: 或内部路径前缀，对接方可只解析并展示 error: 后的可读文案。

Order Webhook(订单事件)

用于供应商侧订单状态变更后，向下单代理商推送订单事件。当前已支持以下 3 类场景：

order.delivery.succeeded - 供应商已发货

order.cancel.agreed - 供应商已同意取消

order.cancel.refused - 供应商已拒绝取消

Body Object

Field	Type	Description
event_id	string	事件唯一 ID（UUID）
event_name	string	固定为 `ORDER`
event_type	string	事件类型
source_id	string	订单 ID
data	object	订单事件明细，见下表

data 对象字段

Field	Type	Description
order_no	string	订单号
express_name	string	快递公司编码，未发货时为空
express_no	string	快递单号，未发货时为空
pay_amount	string	订单支付金额
currency	string	结算币种，当前固定为 `USD`
remark	string	订单备注，拒绝取消时会附带拒绝备注
status	string	业务处理结果，如 `SUCCESS`、`REFUSED`
refund_amount	string	退款金额，仅 `order.cancel.agreed` 时返回
refuse_reason	string	拒绝原因，仅 `order.cancel.refused` 时返回
create_time	string	订单创建时间，ISO8601 格式
complete_time	string	事件完成时间，ISO8601 格式

发货成功示例

{
  "event_id": "a19a985b-90d3-44f7-827c-bd4301d62192",
  "event_name": "ORDER",
  "event_type": "order.delivery.succeeded",
  "source_id": "202603071234567890",
  "data": {
    "order_no": "202603071234567890",
    "express_name": "DHL",
    "express_no": "DHL9988776655",
    "pay_amount": "15.80",
    "currency": "USD",
    "remark": "",
    "status": "SUCCESS",
    "create_time": "2026-03-07T05:21:28+00:00",
    "complete_time": "2026-03-07T05:21:40+00:00"
  }
}

同意取消示例

{
  "event_id": "c6b43cb7-3f7a-4d89-8fb3-8fa1e1a4d00a",
  "event_name": "ORDER",
  "event_type": "order.cancel.agreed",
  "source_id": "202603071234567890",
  "data": {
    "order_no": "202603071234567890",
    "express_name": "",
    "express_no": "",
    "pay_amount": "15.80",
    "currency": "USD",
    "remark": "",
    "status": "SUCCESS",
    "refund_amount": "15.80",
    "create_time": "2026-03-07T05:21:28+00:00",
    "complete_time": "2026-03-07T05:30:10+00:00",
  }
}

拒绝取消示例

{
  "event_id": "e8e4fd7c-6f64-46a5-a2c4-c848f8f6f0c2",
  "event_name": "ORDER",
  "event_type": "order.cancel.refused",
  "source_id": "202603071234567890",
  "data": {
    "order_no": "202603071234567890",
    "express_name": "",
    "express_no": "",
    "pay_amount": "15.80",
    "currency": "USD",
    "remark": "【取消拒绝】该商品已进入配货流程，暂不支持取消",
    "status": "REFUSED",
    "refuse_reason": "该商品已进入配货流程，暂不支持取消",
    "create_time": "2026-03-07T05:21:28+00:00",
    "complete_time": "2026-03-07T05:28:02+00:00"
  }
}

说明

event_name 固定为 ORDER，便于代理商侧按业务域分类处理。

拒绝取消时，remark 会包含订单备注中的拒绝内容，refuse_reason 为单独拆出的拒绝原因，建议优先展示该字段。

WebHook通知事件

Issuing Webhook Events#

Common Fields#

Event List#

Card Created Event(卡片创建)#

Event Info#

Payload Structure#

Top Level#

data Object (Card)#

cardholder Object#

示例#

Card Activation Updated Event(实体卡绑定)#

Event Info#

data Object#

示例#

Card Activation Updated Event(实体卡激活)#

Event Info#

data Object#

示例#

Card Status Updated Event(卡状态更新事件)#

Event Info#

data Object#

Card Status Enum#

示例#

Card Recharged Event(卡充值事件)#

Event Info#

data Object#

Order Status Enum#

示例#

Card Transfer Event(卡卡转账事件)#

Event Info#

data Object#

Order Status Enum#

示例#

3DS OTP Event(3D验证事件)#

Event Info#

data Object#

示例#

Card OTP Event(卡片验证事件)#

Event Info#

data Object#

示例#

Transaction Event(交易事件)#

Event Types#

data Object#

merchant_data#

示例#

Transfer Payout(全球付交易)#

Event Types#

Body Object#

data 对象字段#

成功回调响应示例#

失败回调响应示例#

Order Webhook(订单事件)#

Body Object#

data 对象字段#

发货成功示例#

同意取消示例#

拒绝取消示例#

说明#

Issuing Webhook Events

Common Fields

Event List

Card Created Event(卡片创建)

Event Info

Payload Structure

Top Level

`data` Object (Card)

`cardholder` Object

示例

Card Activation Updated Event(实体卡绑定)

Event Info

`data` Object

示例

Card Activation Updated Event(实体卡激活)

Event Info

`data` Object

示例

Card Status Updated Event(卡状态更新事件)

Event Info

`data` Object

Card Status Enum

示例

Card Recharged Event(卡充值事件)

Event Info

`data` Object

Order Status Enum

示例

Card Transfer Event(卡卡转账事件)

Event Info

`data` Object

Order Status Enum

示例

3DS OTP Event(3D验证事件)

Event Info

`data` Object

示例

Card OTP Event(卡片验证事件)

Event Info

`data` Object

示例

Transaction Event(交易事件)

Event Types

`data` Object

`merchant_data`

示例

Transfer Payout(全球付交易)

Event Types

Body Object

data 对象字段

成功回调响应示例

失败回调响应示例

Order Webhook(订单事件)

Body Object

data 对象字段

发货成功示例

同意取消示例

拒绝取消示例

说明