Wallet to Account webhooks notify you in real time when a payout is initiated from a Verto wallet to an external bank account. These events cover the full outbound payment lifecycle — from the moment a payment is created and queued through to successful delivery, failure, or refund.
This webhook is the recommended approach for tracking outbound payment status rather than polling the payments API. Each event payload includes the walletId, companyId, paymentId, and clientReference so you can reconcile payments against your own internal records and identify exactly which client or wallet the payment was initiated from.
Where available, beneficiary details including account number, bank code, and recipient name are included in the payload.
Event lifecycle
Requested — fired when a payout is created and queued for processing. The wallet has been debited at this point but the funds have not yet been sent to the recipient. Payments may be held briefly for transaction screening before being released.
If a payment is submited for a non 24/7 clearing scheme - i.e a SWIFT payment. It will stay in this status until clearing is possible (normally the next working day when clearing opens), if submitted before that schemes cut-off.
Completed — fired when the payment has been successfully sent to the recipient's bank. Note that this confirms the payment has left Verto — it does not guarantee the beneficiary's bank has credited their account, particularly for SWIFT payments where correspondent banking delays may apply.
For SWIFT payments we recommend fetching and storing the UETR of the payment where it's required for the end customer or your internal systems to track the payment.
Archived — fired when a payment fails or is cancelled. Funds are automatically returned to the source wallet. This may occur due to a compliance hold, an invalid beneficiary account, or a rejection by the recipient bank.
Refunded — fired when a previously completed payment is refunded and funds are returned to the source wallet. This typically occurs when a recipient bank rejects or returns a payment after initial acceptance.