> For the complete documentation index, see [llms.txt](/llms.txt).

# application_deferred

**Webhook event:** `application_deferred`

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

## Header parameters
- `X-IW-Event-ID` (string, required) — 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-Type` (string, required) — The type of webhook being delivered — matches the `webhook_event_type` values from `GET /webhooks/event_types/`.
- `X-IW-Signature` (string, required) — 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-Timestamp` (string, required) — 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
```json
{
  "data": {
    "application_id": "39d8b197-ff32-4aa4-a733-e14e1deee544",
    "customer_id": "39205a1f-1ef5-42b0-a381-ee752e9f43bf",
    "external_customer_id": "12345",
    "is_closed": true,
    "reason": "timeout"
  }
}
```

### Payload fields
- `data` (object, required)
- `data.application_id` (string, required)
- `data.customer_id` (string, required)
- `data.external_customer_id` (string) — The optional external_customer_id you sent in the POST /customers request when creating the customer
- `data.is_closed` (boolean, required) — Always true, because deferring means closing the application
- `data.reason` (string, required)

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