Webhook setup

Elite Neo Bank Webhooks allow merchants to receive real-time payment and payout notifications directly on their server without continuously polling APIs. Webhooks are recommended for:

Payment status updates
Payout status updates
Settlement notifications
Transaction reconciliation
Automated workflow processing

Using webhooks helps merchants build faster, scalable, and reliable transaction systems.

What are Webhooks?

A webhook is an HTTP callback sent by Elite Neo Bank to your server whenever a transaction event occurs. Instead of repeatedly checking transaction status APIs, Elite Neo Bank automatically pushes updates to your configured webhook endpoint.

Supported Webhook Events

PG Orders Events
PG Payments Events
Payout Events

Event	Description
`pg.order.created`	Order created successfully
`pg.order.updated`	Order details updated
`pg.order.pending`	Order awaiting payment
`pg.order.processing`	Order is being processed
`pg.order.completed`	Order completed successfully
`pg.order.failed`	Order processing failed
`pg.order.cancelled`	Order cancelled
`pg.order.expired`	Order session expired
`pg.order.closed`	Order closed
`pg.order.refund_initiated`	Refund initiated for order
`pg.order.refunded`	Order refunded successfully
`pg.order.partially_refunded`	Partial refund processed for order
`pg.order.dispute.created`	Dispute created for order
`pg.order.dispute.closed`	Order dispute resolved/closed
`pg.order.chargeback.created`	Chargeback initiated for order
`pg.order.payment.success`	Payment received for order
`pg.order.payment.failed`	Payment attempt failed for order
`pg.order.webhook.failed`	Order webhook delivery failed
`pg.order.webhook.retrying`	Retrying failed order webhook delivery

Event	Description
`pg.payment.created`	Payment order created
`pg.payment.pending`	Payment pending from customer
`pg.payment.processing`	Payment is being processed
`pg.payment.success`	Payment completed successfully
`pg.payment.failed`	Payment failed
`pg.payment.cancelled`	Payment cancelled
`pg.payment.expired`	Payment session expired
`pg.payment.refunded`	Full refund processed
`pg.payment.partially_refunded`	Partial refund processed
`pg.refund.created`	Refund request created
`pg.refund.processing`	Refund under processing
`pg.refund.success`	Refund completed successfully
`pg.refund.failed`	Refund failed
`pg.settlement.created`	Settlement generated
`pg.settlement.processed`	Settlement processed successfully
`pg.settlement.failed`	Settlement processing failed
`pg.dispute.created`	Payment dispute created
`pg.dispute.updated`	Dispute details updated
`pg.dispute.won`	Dispute resolved in merchant favor
`pg.dispute.lost`	Dispute lost
`pg.dispute.closed`	Dispute closed
`pg.dispute.fee.withdrawal`	Dispute handling fee deducted
`pg.dispute.fee.refunded`	Dispute fee refunded
`pg.chargeback.created`	Chargeback initiated
`pg.chargeback.processing`	Chargeback under review
`pg.chargeback.won`	Chargeback resolved in merchant favor
`pg.chargeback.lost`	Chargeback lost
`pg.chargeback.closed`	Chargeback closed
`pg.withdrawal.created`	Wallet withdrawal initiated
`pg.withdrawal.processing`	Withdrawal under processing
`pg.withdrawal.success`	Withdrawal completed successfully
`pg.withdrawal.failed`	Withdrawal failed
`pg.webhook.failed`	Webhook delivery failed
`pg.webhook.retrying`	Webhook retry attempt in progress

Event	Description
`po.payout.created`	Payout request created
`po.payout.queued`	Payout added to processing queue
`po.payout.processing`	Payout is being processed
`po.payout.success`	Payout completed successfully
`po.payout.failed`	Payout failed
`po.payout.reversed`	Payout reversed back to wallet
`po.payout.cancelled`	Payout cancelled
`po.payout.refunded`	Payout amount refunded
`po.payout.pending`	Payout pending approval or processing
`po.payout.on_hold`	Payout temporarily placed on hold
`po.payout.bank_rejected`	Bank rejected payout request
`po.payout.bank_processing`	Bank is processing payout
`po.payout.retrying`	Payout retry attempt initiated
`po.payout.timeout`	Payout processing timed out
`po.payout.webhook.failed`	Payout webhook delivery failed
`po.payout.webhook.retrying`	Retrying failed payout webhook delivery

Webhook URL Requirements

Your webhook endpoint must:

Be publicly accessible
Support HTTPS
Accept POST requests
Return HTTP 200 OK quickly
Handle JSON payloads properly

Example Webhook URL

https://merchant.com/api/webhooks/Elite Neo Bank

Webhook Request Method

POST

Webhook Headers `UNDER DEVELOPMENT`

Content-Type: application/json
X-SIGNATURE: GENERATED_SIGNATURE
X-TIMESTAMP: GENERATED_TIMESTAMP

Webhook Security `UNDER DEVELOPMENT`

Every webhook request is signed using HMAC SHA256 signature verification. Webhook signatures should always be validated before processing webhook data. The signature is generated using:

HMAC_SHA256(payload + timestamp, secret_key)

Example Payment Webhook Payload

{
  "event": "pg.payment.success",
  "code": 200,
  "status": true,
  "message": "API authentication successful!",
  "data": {
    "kwikX_order_id": "kp_9b9e725b-b415-40fd-ac1c-068ab508f7e7",
    "order_id": "6873654104683",
    "payment_id": "pay_dgfdggdgdfg",
    "order_amount": "105.00",
    "order_currency": "INR",
    "order_status": "PAID",
    "order_source": "API",
    "created_at": null,
    "paymentDetails": {}
  }
}

Example Payout Webhook Payload

{
  "event": "po.payout.success",
  "data": {
    "order_id": "1778761734",
    "kwikx_payout_id": "payout_a782fdb71b5e1659",
    "status": "SUCCESS",
    "amount": "99",
    "currency": "INR",
    "utr_number": "UAT1778761735",
    "txnLog": {
      "account_transfer": {
        "account_number": "6760654654",
        "account_owner_name": "beneficiary name",
        "ifsc_code": "icici000143",
        "is_validate": "false",
        "payment_for": "salary payment"
      },
      "address": null,
      "beneficiary_id": null,
      "country_dialing_code": "91",
      "debit_account_type": "kwikx_wallet",
      "email": "email@example.com",
      "kwikx_wallet_id": "2026-04-30 13:01:32",
      "mobile": "9896989698",
      "payout_order_id": 1778761734,
      "transfer_amount": "99",
      "transfer_mode": "imps",
      "transfer_type": "direct",
      "api_user_id": 472,
      "business_profile_id": 96,
      "api_key_id": 8,
      "mode": "sandbox"
    },
    "processed_at": "2026-05-14 12:28:55"
  }
}

Webhook Verification Process

Recommended verification steps:

Read webhook payload
Extract X-SIGNATURE header
Extract X-TIMESTAMP header
Generate local signature
Compare generated signature with received signature
Process webhook only if signatures match

Example Node.js Verification

const crypto = require('crypto');
const payload = JSON.stringify(req.body);
const timestamp = req.headers['x-timestamp'];
const receivedSignature = req.headers['x-signature'];
const generatedSignature = crypto
  .createHmac('sha256', 'YOUR_SECRET_KEY')
  .update(payload + timestamp)
  .digest('hex');
if (generatedSignature === receivedSignature) {
  console.log('Webhook verified');
} else {
  console.log('Invalid webhook signature');
}

Webhook Response Requirements

Your server should return:

HTTP 200 OK

immediately after successful webhook processing.

Retry Mechanism

If your server:

Times out
Returns non-200 responses
Fails to respond

Elite Neo Bank may retry webhook delivery automatically.

Recommended Retry Handling

Your webhook system should:

Handle duplicate events safely
Store webhook logs
Use idempotent processing
Verify transaction status using APIs when needed

Best Practices

Always validate webhook signatures
Use HTTPS endpoints only
Respond quickly with HTTP 200
Process webhook logic asynchronously
Store webhook payloads for audit logs
Verify final transaction status server-side

Important Notes

Webhooks should not be trusted without verification
Duplicate webhook events may occur
Payment status should always be verified server-side
Webhooks complement APIs and do not replace verification APIs

Common Errors

Invalid Signature

Possible reasons:

Incorrect secret key
Payload modification
Timestamp mismatch

Webhook Timeout

Possible reasons:

Slow webhook processing
Server downtime
Network failures

Recommended Production Workflow

Receive webhook
Verify signature
Validate payload
Store webhook event
Verify transaction status using APIs
Update merchant system
Return HTTP 200 response

Getting Started

Payment Gateway

Payout Integration

Webhooks

Error Handling

Going Live

High-Risk Merchant Handling

Webhook setup

Webhook setup

What are Webhooks?

Supported Webhook Events

Webhook URL Requirements

Example Webhook URL

Webhook Request Method

Webhook Headers `UNDER DEVELOPMENT`

Webhook Security `UNDER DEVELOPMENT`

Example Payment Webhook Payload

Example Payout Webhook Payload

Webhook Verification Process

Example Node.js Verification

Webhook Response Requirements

Retry Mechanism

Recommended Retry Handling

Best Practices

Important Notes

Common Errors

Invalid Signature

Webhook Timeout

Recommended Production Workflow

​Webhook setup

​What are Webhooks?

​Supported Webhook Events

​Webhook URL Requirements

​Example Webhook URL

​Webhook Request Method

​Webhook Headers UNDER DEVELOPMENT

​Webhook Security UNDER DEVELOPMENT

​Example Payment Webhook Payload

​Example Payout Webhook Payload

​Webhook Verification Process

​Example Node.js Verification

​Webhook Response Requirements

​Retry Mechanism

​Recommended Retry Handling

​Best Practices

​Important Notes

​Common Errors

​Invalid Signature

​Webhook Timeout

​Recommended Production Workflow

Webhook setup

What are Webhooks?

Supported Webhook Events

Webhook URL Requirements

Example Webhook URL

Webhook Request Method

Webhook Headers `UNDER DEVELOPMENT`

Webhook Security `UNDER DEVELOPMENT`

Example Payment Webhook Payload

Example Payout Webhook Payload

Webhook Verification Process

Example Node.js Verification

Webhook Response Requirements

Retry Mechanism

Recommended Retry Handling

Best Practices

Important Notes

Common Errors

Invalid Signature

Webhook Timeout

Recommended Production Workflow