> ## Documentation Index > Fetch the complete documentation index at: https://next-developers.opencard.io/llms.txt > Use this file to discover all available pages before exploring further. # Webhook Event Reference > Full catalog of OpenCard webhook events for TPA, card holder, transaction, receipt, and environmental impact — with X-Event headers and JSON payload samples. All webhook deliveries include: ``` X-Event: {event_name} ``` Plus any custom headers you configured, and auth headers if you set `authentication_type`. The transaction, receipt, VAT, and line-item samples below are **one purchase** — Coop in Svängsta, **109.38 SEK**, card ending `1234`, issuer `nordea`. The receipt URL is the real sample file: [Coop receipt](https://api.opencard.io/files/receipts/abc123). *** ## Event catalog ### TPA | Event | Flag to enable | When | | ------------ | -------------- | ------------------------------- | | `tpa.signed` | `tpa_signed` | TPA fully signed, PDF generated | ### Card holder | Event | Flag | When | | ----------------------------- | ----------------------------- | --------------------------- | | `card_holder.created` | `card_holder_created` | Card holder created via API | | `card_holder.identified` | `card_holder_identified` | Identity linked via eID | | `card_holder.signed.pdpc` | `card_holder_signed_pdpc` | PDPC consent signed | | `card_holder.deleted` | `card_holder_deleted` | Card holder deleted | | `card_holder.email.delivered` | `card_holder_email_delivered` | PDPC email delivered | | `card_holder.email.failed` | `card_holder_email_failed` | PDPC email bounced | ### Transactions | Event | Flag | When | | ----------------------------- | ----------------------------- | ------------------------------- | | `card.transaction.authorized` | `card_transaction_authorized` | Purchase authorized (real-time) | | `card.transaction.cleared` | `card_transaction_cleared` | Transaction settled (3-5 days) | | `card.transaction.deleted` | `card_transaction_deleted` | Authorization reversed | | `card.transaction.invoiced` | `card_transaction_invoiced` | Invoice number assigned | ### Enrichment | Event | Flag | When | | ---------------------------------- | ------------------------ | ------------------------- | | `receipt.fetched` | `receipt_fetched` | Digital receipt matched | | `transaction.true.vat` | `transaction_true_vat` | Correct VAT from merchant | | `transaction.line.items` | `transaction_line_items` | Purchase line items | | `environmental.impact.aland_index` | `aland_index` | CO₂ estimate (provider 1) | | `environmental.impact.deedster` | `deedster` | CO₂ estimate (provider 2) | *** ## Payloads ### `tpa.signed` ```json theme={null} { "id": "42", "name": "Acme AB", "organization_number": "5561234567", "url": "https://api.opencard.io/files/tpas/abc123.pdf", "organization": { "reference_id": "client_acme_001" } } ``` ### Card holder events (all share same shape) ```json theme={null} { "card_holder": { "reference_id": "employee_john_42" }, "organization": { "reference_id": "client_acme_001" } } ``` ### `card.transaction.*` (all share same shape) ```json theme={null} { "id": "10", "state": "authorized", "receiptable": true, "card_issuer": "nordea", "card_issuer_reference": "11212945", "card_issuer_customer_number": null, "type": "card", "invoice_number": null, "invoice_date": null, "original_amount": 109.38, "original_currency": "SEK", "vat_rate": 0, "vat_amount": 0, "vat_currency": "SEK", "accounting_amount": 109.38, "accounting_currency": "SEK", "exchange_rate": null, "purchase_merchant": "Coop Svängsta", "purchase_merchant_common": "Coop", "purchase_date": "2022-09-02", "purchase_time": "11:12:14", "purchase_timezone": null, "purchase_country": "SE", "purchase_city": "SVANGSTA", "card_id": 1, "card_product": "first_card", "card_funding": "credit", "card_type": "corporate", "card_last_four": "1234", "mcc_code": "5411", "mcc_text": null, "mcc_top_level": "Retail Stores", "branch_code": null, "branch_text": null, "category_text": "Card purchase", "card_holder": { "reference_id": "employee_john_42" }, "organization": { "reference_id": "client_acme_001" } } ``` #### Field reference | Field | Type | Description | | -------------------------- | ------- | -------------------------------------------------------- | | `id` | string | Unique transaction ID. **Use this as your primary key.** | | `state` | string | `authorized`, `cleared`, `deleted`, `invoiced` | | `receiptable` | boolean | Expect a digital receipt? | | `card_issuer` | string | Card program identifier (`name_system`, e.g. `nordea`) | | `card_issuer_reference` | string | Issuer's reference for this state (not globally unique) | | `card_funding` | string | `debit` or `credit` — from the registered card | | `card_type` | string | `private`, `corporate`, `corporate_with_private_invoice` | | `original_amount` | float | Amount at merchant | | `original_currency` | string | ISO 4217 | | `accounting_amount` | float | Amount in customer's home currency | | `accounting_currency` | string | ISO 4217 | | `purchase_merchant` | string | Full merchant name | | `purchase_merchant_common` | string | Normalized merchant name | | `mcc_code` | string | Merchant Category Code | ### `receipt.fetched` Matches the sample file at the URL (Coop, 109.38 SEK, same purchase as the transaction above). ```json theme={null} { "url": "https://api.opencard.io/files/receipts/abc123", "content_type": "application/pdf", "expiration_time": "2022-10-02 11:12:14", "purchase_merchant": "Coop", "original_amount": 109.38, "original_currency": "SEK", "purchase_date": "2022-09-02", "purchase_time": "11:12:14", "transaction": { "id": "10", "card_issuer": "nordea" }, "card_holder": { "reference_id": "employee_john_42" }, "organization": { "reference_id": "client_acme_001" } } ``` Receipt URLs expire. Download and store the file, don't hotlink. ### `transaction.true.vat` VAT bands from the Coop receipt (12% + 25%): ```json theme={null} { "transaction": { "id": "10", "card_issuer": "nordea" }, "organization": { "reference_id": "client_acme_001" }, "card_holder": { "reference_id": "employee_john_42" }, "purchase_country": "SE", "vat_rates": [ { "vat_amount": 5.52, "taxable_amount": 45.96, "total_amount": 51.48, "percentage": 12, "currency": "SEK" }, { "vat_amount": 11.58, "taxable_amount": 46.32, "total_amount": 57.90, "percentage": 25, "currency": "SEK" } ], "totals": [ { "vat_amount": 17.10, "taxable_amount": 92.28, "total_amount": 109.38, "currency": "SEK" } ] } ``` ### `transaction.line.items` Line items from the same Coop receipt: ```json theme={null} { "transaction": { "id": "10", "card_issuer": "nordea" }, "organization": { "reference_id": "client_acme_001" }, "card_holder": { "reference_id": "employee_john_42" }, "line_items": [ { "description": "SERV 33CM VIT", "amount": 12.95, "total_amount": 12.95, "quantity": 1, "currency": "SEK" }, { "description": "VÄRMELJUS STEARIN", "amount": 44.95, "total_amount": 44.95, "quantity": 1, "currency": "SEK" }, { "description": "GODIS LÖSVIKT", "amount": 11.68, "total_amount": 11.68, "quantity": 0.195, "currency": "SEK" }, { "description": "ZUCCHINI GRÖN ST", "amount": 9.95, "total_amount": 39.80, "quantity": 4, "currency": "SEK" } ] } ``` ### `environmental.impact.aland_index` / `deedster` ```json theme={null} { "carbon_emission_in_grams": 0.66, "carbon_social_cost_amount": 2.1, "carbon_social_cost_currency": "SEK", "transaction": { "id": "10", "card_issuer": "nordea" }, "organization": { "reference_id": "client_acme_001" }, "card_holder": { "reference_id": "employee_john_42" } } ```