United Texas Bank, N.A.

Verification

If using a cryptography library that has a verify signature method:

1. Concatenate the webhook request body, Date header value, and X-UTB-Signature-Nonce header value.

2. Provide the value in step 1 to the library method as the input, the UTB ECDSA secp256k1 public key as the key, and the signature in the X-UTB-Signature header as the signature.

If verifying manually:

1. Decrypt the request signature in the X-UTB-Signature header with the UTB ECDSA secp256k1 public key.

2. Concatenate the webhook request body, Date header value, and X-UTB-Signature-Nonce header value.

3. Hash the value from step 2 with HMAC256

4. Compare the hashed value from step 3 and the decrypted header in step 1. If they match, the request is verified.

new_transaction Webhook Payload

This payload is returned for webhook registrations of type new_transaction. It is designed to follow a very similar schema to the TODO link account history endpoint to minimize extra development.

Example

JSON

{
   "webhook_registration_account_number": "1234567",
   "amount": 100,
   "timestamp": true,
   "transaction_id": "JX5T452HI0",
   "tran_code": "144",
   "tran_code_description": "Transfer to DDA",
   "debit_credit_flag": "Debit",
   "description_line1": "UTB Global|1234567|7654321|",
   "description_line2": "Payment for service|c628ce5b-cc34-42ae-959f-3f2f14971f97",
   "debit_account_number": "1234567",
   "credit_account_number": "7654321",
   "counter_party_name": "UTB Global",
   "memo": "Payment for service",
   "references": {
     "payment_id": "c628ce5b-cc34-42ae-959f-3f2f14971f97"
   }
}

OpenAPI Schema

JSON

{
   "transaction_webhook_payload": {
     "type": "object",
     "properties": {
       "webhook_registration_account_number": {
         "type": "string",
         "description": "Account associate with the webhook registration.",
         "nullable": true,
         "example": "1234567"
       },
       "amount": {
         "type": "number",
         "description": "The amount of the transaction.",
         "format": "double",
         "example": 100
       },
       "timestamp": {
         "type": "string",
         "description": "Date the transaction was submitted to the system. When the data source is \"cache\", this will include a time component expressed in the UTC time zone. When the data source is \"core\", this will have a zeroed time component for memo posted transactions and will be null for hard posted transactions.",
         "format": "date-time",
         "nullable": true,
         "example": "2023-06-06T12:29:20"
       },
       "transaction_id": {
         "type": "string",
         "description": "Transaction Id.",
         "nullable": true,
         "example": "JX5T452HI0"
       },
       "tran_code": {
         "type": "string",
         "description": "Transaction code.",
         "nullable": true,
         "example": "144"
       },
       "tran_code_description": {
         "type": "string",
         "description": "Transaction code description.",
         "nullable": true,
         "example": "Transfer to DDA"
       },
       "debit_credit_flag": {
         "type": "string",
         "description": "Direction of the transaction. Expected values: Debit or Credit",
         "nullable": true,
         "example": "Debit"
       },
       "description_line1": {
         "type": "string",
         "description": "Description Line 1 of the transaction.",
         "nullable": true,
         "example": "UTB Global|1234567|7654321|"
       },
       "description_line2": {
         "type": "string",
         "description": "Description Line 2 of the transaction.",
         "nullable": true,
         "example": "Payment for service|c628ce5b-cc34-42ae-959f-3f2f14971f97"
       },
       "debit_account_number": {
         "type": "string",
         "description": "The account this transaction was debited from. This field may be null if the transaction depending on transaction type/direction.",
         "nullable": true,
         "example": "1234567"
       },
       "credit_account_number": {
         "type": "string",
         "description": "The account this transaction was credited to. This field may be null if the transaction depending on transaction type/direction.",
         "nullable": true,
         "example": "7654321"
       },
       "counter_party_name": {
         "type": "string",
         "description": "The name of the counter party. This field may be null if the transaction depending on transaction type. Applicable transaction types: internal_transfer, wire",
         "nullable": true,
         "example": "UTB Global"
       },
       "memo": {
         "type": "string",
         "description": "Memo line from the transaction. This field may be null if the transaction depending on transaction type. Applicable transaction types: internal_transfer",
         "nullable": true,
         "example": "Payment for service"
       },
       "references": {
         "type": "object",
         "additionalProperties": {
           "type": "string"
         },
         "description": "Dictionary of reference IDs for the transaction. Expected IDs included by transaction type: internal_transfer: payment_id wire: payment_id, wire_system_reference_id, sender_reference (debit only)",
         "nullable": true,
         "example": {
           "payment_id": "c628ce5b-cc34-42ae-959f-3f2f14971f97"
         }
       }
     },
     "additionalProperties": false
   }
 }