The table below contains the events that it is possible to subscribe to.
When creating a subscription, in your request JSON, use the event codes below. The notification you receive may not have all the information that is available regarding a particular status. The table below lists the related API where you can go to retrieve more detailed information.
Related API | Event code | Description | Further details |
---|---|---|---|
Onboarding | ONB10009 | Stage 1 submitted | All documents required for review by credit algorithms and underwriters have been submitted |
Onboarding | ONB10010 | Stage 1 rejected | This event code has been deprecated, please use ONB10028 instead |
Onboarding | ONB10011 | Offers provided | Detailed offers have been produced for the lead (this does not include flex offers) |
Onboarding | ONB10012 | Stage 2 rejected | This event code has been deprecated |
Onboarding | ONB10018 | Lead created via Organic journey | A new lead application has started |
Onboarding | ONB10022 | Contract signed | Lead has signed the funding agreement (via DocuSign) |
Onboarding | ONB10023 | Contract signed | Lead has signed the funding agreement (via 'click sign') |
Onboarding | ONB10024 | Instant offers provided | The lead has been provided with instant offers |
Onboarding | ONB10025 | Lead created via API journey | Lead has been created via the Onboarding Api (create-a-lead-endpoint) |
Onboarding | ONB10026 | Lead created via Broker journey | A new lead application has started via the partner dashboard |
Onboarding | ONB10027 | Offers have expired | The offers produced for the lead have now expired (threshold is 30 days) |
Loans | LOA10013 | Loan funded | Lead has received funding |
Onboarding | ONB10028 | Lead has been rejected with reasons provided | The lead has been rejected and the rejection reasons have been provided |
Onboarding | ONB10029 | Lead requires further information | Further information is required while processing the lead |
Onboarding | ONB10030 | When a Broker has added 'additional info' to a lead application in the Broker journey in the Partner Dashboard | The 'Additional Info' field has been populated for the lead in the Broker application journey on the Partner Dashboard |
Onboarding | ONB10031 | A renewal lead has been created | A renewal lead has been created |
Loans | LOA10032 | Loan repaid | The merchant has repaid the full balance of the loan |
Loans | LOA10033 | Loan defaulted | The loan has defaulted due to repayment underperformance |
Loans | LOA10034 | Loan written-off | The loan has been written-off due to repayment underperformance |
Onboarding | ONB10035 | Settlement account is ready | A notification for when the Settlement/Repayment account details are ready to fetch from the AOL endpoint to begin the re-routing process |
Onboarding | ONB10038 | Contract sent (via Docusign) | The contract has been sent to the Merchant via Docusign |
Loans | LOA10036 | Loan funded (via manual process) | Lead has received funding via a manual process (default in USA) |
Instant Settlement | INS10004 | The instant settlement is enabled | The instant settlement is enabled and is ready to receive and fund instant payout requests |
Instant Settlement | INS10005 | The instant settlement is disabled | The instant settlement is disabled and will not process any instant payout request |
Onboarding | ONB10039 | The application has been made 'Ineligible' or has been 'Rescinded' | The Lead has been made Ineligible and will not be processed further or the Merchant has Rescinded their application |
Loans | LOA10040 | Payment made to advance | A repayment has been applied |
Loans | LOA10041 | Reversal from advance | A previous payment has been reversed |
Loans | LOA10042 | Refund from advance | A refund has been applied |
Loans | LOA10043 | Refund reversal to advance | A previous refund has been reversed |
Loans | LOA10045 | Funding bounce-back | The payment for funding bounced back from the intended bank account |
Loans | LOA10046 | Loan discounted settlement | A discounted repayment amount has been finalised for this loan |
Loans | LOA10047 | Loan in Collection | The merchant has entered YouLend's Collections process |
Loans | LOA10048 | Loan out of Collection | The merchant has been taken out of YouLend's Collections process |
Loans | ONB10049 | Open banking link sent | A broker has requested an email containing an open banking link to be sent to their merchant |
Onboarding | ONB10050 | Pushback resolved | The required information for a lead is resolved |
Onboarding | ONB10051 | Stage 1 submitted via API | The lead has been successfully submitted via API |
Loans | LOA10055 | Settlement processed | A settlement from a partner has been processed - payments towards the loan have been initiated |
Please get in touch
If you would like any new events added, please get in touch at [email protected] with the required use case, and we will usually be able to add support for the new event.
All webhook events
Event data structure
All events share the following basic structure:
{
"EventCode": "ONB10959",
"Message": "Example message...",
"EventProperties": {
"LeadId": "f3c23809-9850-4546-bd08-650068aa55f6"
}
}
Lead submitted
{
"LeadId": "233860ba-1d2a-4689-8234-a4af8bae877d",
"ThirdPartyCustomerId": "tpci1234"
}
Good to know
Some events - e.g. 'Offers provided' and 'Loan funded' - have additional
EventProperties
as shown in the two examples below.
Offers provided
{
"EventCode": "ONB10011",
"Message": "Offers Provided",
"EventProperties": {
"LeadId": "a668561b-4998-4240-a647-a35df722ca42",
"ThirdPartyCustomerId": "rndtkezrrxq",
"MaxFundingAmount": 38900,
"MinFundingAmount": 7710,
"Offers": [
{
"OfferId": "f29d76d6-2cda-431e-bde9-a231260a1899",
"YouWillGet": "30800",
"YouWillRepay": "36960",
"CurrencyISOCode": "GBP",
"Sweep": "20",
"DaysUntilRepayment": 207
},
{
"OfferId": "23b182e4-6039-4117-b715-28b60b30154b",
"YouWillGet": "34800",
"YouWillRepay": "42456",
"CurrencyISOCode": "GBP",
"Sweep": "21",
"DaysUntilRepayment": 227
},
{
"OfferId": "c477dddd-8acc-4757-ac5f-aeca15606862",
"YouWillGet": "38900",
"YouWillRepay": "48236",
"CurrencyISOCode": "GBP",
"Sweep": "22",
"DaysUntilRepayment": 246
}
]
}
Offers expired
{
"EventCode": "ONB10027",
"Message": "Offers have expired",
"EventProperties": {
"LeadId": "24df18ae-6462-4671-b72a-1d90fa195ac2",
"ThirdPartyCustomerId": "TPM102175"
}
}
Contract signed (ONB10022 AND ONB10023)
{
"EventCode": "ONB10022",
"Message": "Contract Signed",
"EventProperties": {
"LeadId": "f4bddb67-b259-438e-9ab4-ad35cf6a1b29",
"DocumentSigningId": "234b619b-1d48-47b1-ab7c-4b3b25881f99",
"ThirdPartyCustomerId": "89ab144",
"SignedDocuments": [
{
"DocumentId": "49a47f74-e884-4a96-80d4-5593f57cff1e",
"DocumentType": "application/pdf"
},
{
"DocumentId": "4ccc4e8e-608e-447b-a4d9-f534b39cbd63",
"DocumentType": "application/pdf"
}
]
}
}
Loan funded (LOA10013 and LOA10036)
Good to know
LOA10036 is primarily used in the USA to indicate that the loan has been manually marked as funded
{
"EventCode": "LOA10013",
"Message": "Lead has received funding",
"EventProperties": {
"ThirdPartyCustomerId": "89ab144",
"Amount": "38800.00",
"LeadId": "f4bddb67-b259-438e-9ab4-ad35cf6a1b29",
"DateFunded": "2024-12-03T00:00:00Z",
"OriginalAmount": "51992.0",
"LoanId": "2d3b03ed-24bc-4228-adc8-eeb14883ef24",
"Sweep": "20.0",
"LoanNumber": 60000280,
"FastTrackLeadId": "00000000-0000-0000-0000-000000000000"
}
}
Lead created via API journey
The EventProperties
object has the same structure for the events with code ONB10018, ONB10025 and ONB10026
{
"EventCode": "ONB10025",
"Message": "Lead created via API journey",
"EventProperties": {
"LeadId": "f926dfc2-30b6-4721-89c7-2a3f21dda380",
"OrganisationSignUpData": {
"CompanyName": "Test Lead",
"AdditionalInfo": {
"additionalProp1": "test",
"additionalProp2": "test1",
"additionalProp3": "test2"
},
"ThirdPartyCustomerId": "testTPCI"
}
}
}
Lead has been rejected with reasons provided
{
"EventCode": "ONB10028",
"Message": "Lead has been rejected with reasons provided",
"EventProperties": {
"LeadId": "11b5da66-7eaa-4bed-ba2c-dad05d5602a0",
"ThirdPartyCustomerId": "acct_1JIWqFFcrksnBl3t",
"CreditRiskCheckRejectedPartnerReasons": [
{
"Reason": "CCJs/Defaults found during Credit check",
"ReasonCode": "RJ005"
},
{
"Reason": "Credit check criteria not met",
"ReasonCode": "RJ007"
}
]
}
}
Lead requires further information
{
"EventCode": "ONB10029",
"Message": "Lead requires further information",
"EventProperties": {
"LeadId": "39735dbf-9a0e-4d3c-81ad-248f14abf7f8",
"ThirdPartyCustomerId": "testTPCI",
"CreditRiskCheckPendingReasons": [
{
"Reason": "Proof of ID",
"AdditionalInfo": "some more details here",
"ReasonCode": "PB001"
},
{
"Reason": "Provide clarification of fluctuations in transaction data",
"AdditionalInfo": "some more info here",
"ReasonCode": "PB004"
}
]
}
}
A renewal lead has been created
{
"EventCode": "ONB10031",
"Message": "A renewal lead has been created",
"EventProperties": {
"LeadId": "f926dfc2-30b6-4721-89c7-2a3f21dda380",
"IsRenewal": true,
"ThirdPartyCustomerId": "testTPCI"
}
}
When the merchant has repaid the full balance of the loan
{
"EventCode": "LOA10032",
"Message": "The merchant has repaid the loan",
"EventProperties": {
"LoanId": "f926rfc2-30b6-4821-89c7-2a3f11dda380",
"LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380"
}
}
The loan has defaulted due to repayment underperformance
{
"EventCode": "LOA10033",
"Message": "The loan has defaulted and is now in our recoveries process",
"EventProperties": {
"LoanId": "f926rfc2-30b6-4821-89c7-2a3f11dda380",
"LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380"
}
}
The loan has been written-off due to repayment underperformance
{
"EventCode": "LOA10034",
"Message": "The loan has been written-off",
"EventProperties": {
"LoanId": "f926rfc2-30b6-4821-89c7-2a3f11dda380",
"LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380"
}
}
The Settlement/Repayment account details are ready to fetch from the AOL endpoint to begin the re-routing process
{
"EventCode": "ONB10035",
"Message": "The Settlement/Repayment account details are ready to fetch from the AOL endpoint to begin the re-routing process",
"EventProperties": {
"LeadId": "f926dgc2-30r6-4721-89c7-2a3f21dfa380"
}
}
The instant settlement is disabled
{
"EventCode": "INS10005",
"Message": "Instant Settlement has been disabled",
"EventProperties": {
"InstantSettlementNumber": 30000000
}
}
The instant settlement is enabled
{
"EventCode": "INS10004",
"Message": "Instant Settlement has been enabled",
"EventProperties": {
"InstantSettlementNumber": 30000000
}
}
Contract sent
{
"EventCode": "ONB10038",
"EventProperties": {
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
},
"Message": "Contract has been sent to Merchant via Docusign"
}
The application has been made 'Ineligible' or has been 'Rescinded'
{
"EventCode": "ONB10039",
"Message": "The application has been made 'Ineligible' or 'Rescinded' (see properties for more detail)",
"EventProperties": {
"ThirdPartyCustomerId": "89ab144",
"LeadState": "ineligible",
"LeadId": "08a826ae-8065-4f2d-97b2-455cf65505ef",
"LeadStateReasons": [
{
"Reason": "Insufficient days of PD provided",
"AdditionalInfo": "The customer only provided 1 week of data",
"ReasonCode": "EL009",
"PartnerReason": "The customer has not provided enough payment data (minimum 3 months)"
}
]
}
}
Payment made to advance
{
"EventCode": "LOA10040",
"EventProperties": {
"LeadId": "113222a1-1a89-4ef0-bda3-bad07224fe11",
"LoanId": "d90c9fc1-cdd0-4dfc-810a-e2bab1f76199",
"PaymentAmount": "10.00",
"PaymentDate": "2023-10-20T00:00:00Z",
"PrincipalRemaining": "9880.40"
},
"Message": "A repayment was made towards the loan"
}
Reversal from advance
{
"EventCode": "LOA10041",
"EventProperties": {
"Amount": "10.00",
"LeadId": "113222a1-1a89-4ef0-bda3-bad07224fe11",
"LoanId": "d90c9fc1-cdd0-4dfc-810a-e2bab1f76199",
"PaymentDate": "2023-10-20T00:00:00Z",
"PrinciplaRemaining": "9890.40"
},
"Message": "A previously made payment towards a loan was reversed "
}
Refund from advance
{
"EventCode": "LOA10042",
"EventProperties": {
"Amount": "10.00",
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
},
"Message": "A Refund was triggered for this loan"
}
Refund reversal for advance
{
"EventCode": "LOA10043",
"EventProperties": {
"Amount": "10.00",
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
},
"Message": "A Refund was reversed for this loan"
}
Funding bounce-back
{
"EventCode": "LOA10045",
"EventProperties": {
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04",
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0"
},
"Message": "The payment for funding bounced back from the intended bank account"
}
Loan discounted settlement
{
"EventCode": "LOA10046",
"EventProperties": {
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0",
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04"
},
"Message": "The merchant has entered YouLend's Collections process"
}
Loan in Collections
{
"EventCode": "LOA10047",
"EventProperties": {
"ThirdPartyCustomerId": "testTPCI",
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0",
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04"
},
"Message": "The merchant has entered YouLend's Collections process"
}
Loan out of Collections
{
"EventCode": "LOA10048",
"EventProperties": {
"ThirdPartyCustomerId": "testTPCI",
"LoanId": "ca49c513-5d42-48bb-a043-c4e1885bf6f0",
"LeadId": "2bee7a34-6308-4ad3-b133-c70444415a04"
},
"Message": "The merchant has been taken out of YouLend's Collections process "
}
Pushback Resolved
{
"EventCode": "ONB10050",
"EventProperties": {
"LeadId": "32961911-43e7-4bf2-94e0-0bd49adc0fe4",
"CreditRiskCheckReasonExtended": {
"AdditionalInfo": "",
"ReasonCode": "PB001",
"IsResolved": true}
}
}
Stage 1 submitted via API
{
"EventCode": "ONB10051",
"Message": "The lead has been successfully submitted via API",
"EventProperties": {
"ThirdPartyCustomerId": "89ab144",
"LeadId": "874b3183-640a-4fa5-bf49-2e2f063f5ec8"
}
}
Settlement Processed
{
"EventCode": "LOA10055",
"EventProperties": {
"EventId": "874b3183-640a-4fa5-bf49-2e2f063f5e34",
"LoanId": "d90c9fc1-cdd0-4dfc-810a-e2bab1f76199",
"TotalSettlementAmount" : 300,
"SettlementReference": "payment reference",
"PaymentsToLenders" : [
{
"Amount" : 200,
"PaymentCorrelationId" : "69dd8b8e-8c20-482f-9e53-050d0106794f"
},
{
"Amount" : 100,
"PaymentCorrelationId" : "2d059058-f549-4d93-b7fd-322ddc6300cb"
}
]
},
"Message": "A settlement from a partner has been processed - payments towards the loan have been initiated"
}