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Webhooks

application_deferred

Sent when a customer's application is deferred (closed without reaching an approval or decline decision)

Webhook eventapplication_deferred

Header parameters

X-IW-Event-IDstringrequired

UUID of the webhook event. Webhooks which do not deliver successfully are retried. This will be the same across retry attempts for the same webhook.

X-IW-Event-Typestringrequired

The type of webhook being delivered — matches the webhook_event_type values from GET /webhooks/event_types/.

X-IW-Signaturestringrequired

HMAC-SHA256 signature of the request body, base64-encoded and prefixed with sha256=. The HMAC key is your webhook secret token (not your API token), which you can fetch from the iwoca Notifications API or the Developer Portal. Verify this header to confirm the webhook is genuinely from iwoca and to mitigate replay attacks (by also checking that X-IW-Timestamp is recent). Retried deliveries get a fresh timestamp and therefore a fresh signature.

message   = "{X-IW-Timestamp}.{raw_request_body}"
signature = "sha256=" + base64(hmac_sha256(secret, message))

X-IW-Timestampstringrequired

Unix timestamp (seconds) at which the delivery was initiated. If this delivery is a retry of an earlier failed delivery, the timestamp is of the current attempt, not the original delivery.

Payload

application_idstring<uuid>required

customer_idstring<uuid>required

external_customer_idstring

The optional external_customer_id you sent in the POST /customers request when creating the customer

is_closedbooleanrequired

Always true, because deferring means closing the application

reasonstringrequired

Allowed values:iwocapartnertimeout

Responses

Return status code 200 or 201 to acknowledge receipt of the webhook. Any non-2XX response code will result in iwoca retrying the delivery.