Online Onboarding Webhooks

Webhook Notifications Overview

Webhook notifications provide updates on key events related to account creation and onboarding progress. Below is a summary of the key notification types, implementation guidelines, and best practices.


Notification Types

1. Account Creation & Status Updates

Receive updates when an account is created or its status changes. Only when an account status is "Accepted" is a wallet created.

  • Webhook Event ID: 50
  • Status values:
Notification StatusAccount StatusStatus TriggerObjective of the Status
1CREATEDCallback after POST /account for a User and a Business relationshipThe end-user's account has been successfully created.
2ACCEPTEDN/AThe end-user account has been approved and a wallet has been opened. The onboarding process is now complete.
3DENIEDRegulatory reasonWe have declined the activation of the end-user's account, and a wallet will not be opened. The onboarding process is now complete.
4BLOCKEDEntity blocked for regulatory reason or KYC update outdatedEnd-user is unable to access wallet, the account is blocked.
5KYC_UPDATE_REQUESTEDThe next verification date is approaching, and the end-user must review their information.In most cases, the end-user will simply need to confirm the existing details. However, in some situations, they may be required to submit an additional document or complete the identity verification process (e.g., liveness check). In any case, this does not require any action from you, as Lemonway handles the entire process. The only impact is on the Online Onboarding workflow, where it may affect the generated form.
6KYC_UPDATE_REJECTEDAs with the Online Onboarding process, Lemonway may need to request additional information based on the end-user’s responses or if the submitted document(s) are rejected.
7KYC_UPDATE_ACCEPTEDEnd of ProcessThe KYC update has been validated by Lemonway’s analysts, allowing the end-user to continue their activity on the partner’s website.
  • Payload Example:
{
  "EventDate": "2015-11-01T16:44:55.883",
  "AccountID": "37373",
  "ProfileID": "93843",
  "IntId": "32",
  "ExtId": "jdkc",
  "Status": "2"
}

2. Onboarding Progress Updates (Profile Status)

Track an end-users onboarding journey through changes in profile status.

  • Webhook Event ID: 49

  • Status Values:

    Notification Status

    Profile Status

    Status Trigger

    Objective of the Status

    1

    CREATION_IN_PROGRESS

    Callback after POST /account for an individual user

    Onboarding is not required.

    1

    AWAITING_INFORMATION

    Callback after POST /account for a Business Relationship

    Additional data and documents must be collected via an onboarding form.

    2

    UNDER_ANALYSIS

    Updated when onboarding is submitted.

    The end-user has submitted the online onboarding. Lemonway’s analysts will now assess the information and decide whether to approve the account.

    3

    ACCEPTED

    Lemonway sends if an account status = accepted

    Lemonway has accepted the entry into relationship. Account status switches to accepted and onboarding is over.

    4

    DENIED

    Lemonway sends if an account status = denied

    Lemonway has denied the entry into relationship. Account status switches to denied and onboarding is over.

    5

    REJECTED

    Lemonway returns account status = rejected with one of the following reasons:

    • Regulatory requirements not met.
    • Onboarding request rejected.
    • Onboarding process incomplete.

    To finalise the onboarding process, we require further information from the end-user.


  • Payload Example:

{
  "EventDate": "2015-11-01T16:44:55.883",
  "AccountID": "37373",
  "ProfileID": "454545",
  "IntId": "32",
  "ExtId": "jdkc",
  "Status": "2"
}

Description

KeyDescription
EventDateDate and time the notification was created. Paris time. Format ISO8601
accountIDID of the account
profileIDList of profileID linked to this account
ExtIdExternal ID of the wallet
IntIdInternal ID of the wallet (if any)
StatusAccount status

👍

Info

An account status is updated upon completion of KYC checks. Depending on whether controls are automatic or manual, results may take from a few minutes up to a maximum of 48 hours.

📘

Note

Webhook notifications can be delayed by up to one hour. We recommend performing a GET request after receiving a webhook to retrieve the latest information.


Implementation Steps

  1. Set Up Webhooks
    Configure webhook endpoints to receive notifications for both account and profile status changes.

  2. Handle Notifications
    Implement logic to process different notification types and update your systems accordingly.

  3. Monitor Status Continuously
    Regularly check account and profile statuses to ensure onboarding is progressing as expected.