Webhooks

Receive payment status updates without manual checks

Enable partner applications to receive timely, automated payment status notifications from KeyBank. Webhooks help organizations monitor ACH, RTP, and wire payment events without continuous API polling or manual status checks.

Features

Automated payment notifications

• Receive near real-time updates when ACH, RTP, or wire payment events occur.
• Monitor payment status changes such as posted ACH transactions or completed wire transfers.
• Reduce the need for continuous polling or manual payment-status review.

Event-driven delivery

• Receive webhook alerts through HTTP POST requests sent to your registered endpoint.
• Process batched webhook deliveries with up to 100 alert messages in a single request.
• Use alert codes to identify whether the payment event relates to ACH, Wire, or RTP activity.

Payment status visibility

• Review transaction status, timestamps, reference numbers, transaction amounts, and related party details.

Secure alert processing

• Support secure delivery using Basic Authentication and TLS.
• Use KeyBank-assigned alert identifiers to track and reconcile webhook events.
• Treat the eapAlertGUID as an idempotency key to prevent duplicate processing when alerts are retried.

Retry support

• Receive up to three retry attempts over a 24-hour period after the original failed notification.
• Use inquiry APIs to research payment events after the retry window expires.

Workflow

Use cases

Automate payment status monitoring

A treasury or operations team can use webhooks to receive payment-status updates without manually checking transaction activity.

Support reconciliation workflows

A finance team can use webhook event data, transaction identifiers, and timestamps to update internal records and support reconciliation.

Respond faster to payment exceptions

An organization can use webhook alerts to identify failed, returned, cancelled, or completed payment events and trigger follow-up workflows.

Important to know

• Webhook subscriptions are available to authorized commercial customers or fintech partners of KeyBank.
• Existing clients should contact their Technical Account Manager to begin the subscription process.
• New clients must complete KeyBank onboarding before subscribing to webhook alerts.
• KeyBank recommends Basic Authentication and secure TLS connections for webhook delivery.
• After the 24-hour retry window, clients must use the ACH Inquiry or Wire Inquiry APIs to inquire about the payment event.