Up Personal Banking Webhooks

generated: '2026-07-20'
method: derived
source: openapi/up-bank-openapi.json
spec_type: AsyncAPI
asyncapi: '2.6.0'
info:
  title: Up Personal Banking Webhooks
  version: v1
  description: >-
    Event surface for the Up Personal Banking API. Once a webhook is registered
    (POST /webhooks), Up delivers JSON-encoded POST callbacks to the configured
    URL whenever transaction activity occurs on the account. Every callback
    carries an X-Up-Authenticity-Signature header, which is the HMAC-SHA256 of
    the raw request body signed with the per-webhook secretKey returned at
    creation time. The subscriber URL must respond 200 within 30s or delivery is
    retried with exponential backoff. Derived verbatim from the webhook callback
    definition in Up's published OpenAPI 3.0.3 contract.
defaultContentType: application/json
channels:
  webhook-events:
    description: >-
      The subscriber-hosted URL registered via POST /webhooks. Up POSTs
      webhook-event callbacks here.
    subscribe:
      summary: Receive Up webhook events
      operationId: receiveWebhookEvent
      bindings:
        http:
          type: request
          method: POST
      message:
        oneOf:
          - $ref: '#/components/messages/TransactionCreated'
          - $ref: '#/components/messages/TransactionSettled'
          - $ref: '#/components/messages/TransactionDeleted'
          - $ref: '#/components/messages/Ping'
components:
  messageTraits:
    signed:
      headers:
        type: object
        properties:
          X-Up-Authenticity-Signature:
            type: string
            description: >-
              HMAC-SHA256 hex digest of the raw request body, signed with the
              webhook's secretKey. Verify with a constant-time compare.
  messages:
    TransactionCreated:
      name: TRANSACTION_CREATED
      title: Transaction created
      summary: A new transaction was created on the account.
      traits: [$ref: '#/components/messageTraits/signed']
      payload:
        $ref: '#/components/schemas/WebhookEventCallback'
    TransactionSettled:
      name: TRANSACTION_SETTLED
      title: Transaction settled
      summary: A transaction transitioned from HELD to SETTLED.
      traits: [$ref: '#/components/messageTraits/signed']
      payload:
        $ref: '#/components/schemas/WebhookEventCallback'
    TransactionDeleted:
      name: TRANSACTION_DELETED
      title: Transaction deleted
      summary: A HELD transaction was deleted (e.g. a hotel pre-auth released).
      traits: [$ref: '#/components/messageTraits/signed']
      payload:
        $ref: '#/components/schemas/WebhookEventCallback'
    Ping:
      name: PING
      title: Ping
      summary: Manually triggered test event via POST /webhooks/{webhookId}/ping.
      traits: [$ref: '#/components/messageTraits/signed']
      payload:
        $ref: '#/components/schemas/WebhookEventCallback'
  schemas:
    WebhookEventCallback:
      type: object
      required: [data]
      properties:
        data:
          type: object
          required: [type, id, attributes, relationships]
          properties:
            type:
              type: string
              const: webhook-events
            id:
              type: string
              description: Stable event id (constant across delivery retries).
            attributes:
              type: object
              required: [eventType, createdAt]
              properties:
                eventType:
                  type: string
                  enum: [TRANSACTION_CREATED, TRANSACTION_SETTLED, TRANSACTION_DELETED, PING]
                createdAt:
                  type: string
                  format: date-time
            relationships:
              type: object
              required: [webhook]
              properties:
                webhook:
                  type: object
                transaction:
                  type: object
                  description: >-
                    Present for transaction events; carries the transaction id
                    and a related link. Absent for PING. Not present for
                    TRANSACTION_DELETED as a resolvable link (resource no longer
                    exists).