generated: '2026-07-23'
method: derived
source: openapi/bmo-push-notification-openapi.json
spec_type: Webhooks
description: >-
  BMO's commercial Payment Service Push Notification API is a webhook/callback
  surface: BMO POSTs asynchronous payment-status updates to a customer-registered
  endpoint. Customers subscribe to a pre-defined list of payment statuses during
  Payment API onboarding. This is the event surface for the BMO commercial APIs
  (no AsyncAPI document is published; captured here as a webhook catalog).
delivery:
  direction: BMO -> customer endpoint (customer implements the receiver)
  transport: HTTPS POST, TLS 1.2+
  auth: client API key (x-api-key) + OAuth 2.0; payload encryption via x-crypto-key
  subscription: opt-in per payment status during Payment API onboarding
  retry:
    policy: Retries delivery for 24 hours at 1-hour intervals based on the HTTP response code returned by the receiver.
  sla:
    availability: '99.95%'
    latency: 95% of requests < 3s; max 5s
    throughput: 50 requests/second
webhooks:
  - name: paymentStatusUpdate
    path: /paymentStatusUpdate/v1
    method: POST
    payload_format: ISO 20022 pain.002 (payment status report), JSON
    description: Delivers a subscribed payment-status change for a previously submitted ACH/EFT/wire/Interac payment.
    support_contact: paymentAPIPNSupport@bmo.com