generated: '2026-06-20'
method: searched
type: Webhooks
source: >-
  https://developer.hellozai.com/docs/webhooks ;
  https://developer.hellozai.com/docs/verify-webhook-signatures
summary: >-
  Zai pushes real-time notifications via webhooks configured as Callbacks. A
  Callback subscribes to an object_type; when a matching object changes, Zai
  POSTs the "Show" representation of that object to your URL. No published
  AsyncAPI document — this is the documented webhook catalog.
delivery:
  transport: https-post
  payload: The Show (GET) response body of the changed object.
  test_payload: '{ "message": "Zai callback test" }'
  retry: Up to 24 hours with exponential backoff.
  ordering: Not guaranteed — use updated_at to determine freshness.
signature:
  header: Webhooks-signature
  scheme: HMAC-SHA256 over "{t}.{body}", base64 raw-URL encoded (no padding); header carries t=<timestamp>,v=<signature>.
object_types:
  - object_type: items
    trigger: Item state transitions / data changes
  - object_type: users
    trigger: User data / state changes
  - object_type: batch_transactions
    trigger: Batch transaction creation + state changes
  - object_type: accounts
    trigger: Account state / enabled-status changes
  - object_type: transactions
    trigger: Transaction creation + state changes
  - object_type: disbursements
    trigger: Disbursement record creation
  - object_type: companies
    trigger: Company creation / modification
  - object_type: virtual_accounts
    trigger: Virtual Account status transitions (Australia / NPP)
  - object_type: pay_ids
    trigger: PayID status activation changes (Australia / NPP)
  - object_type: payto_agreements
    trigger: PayTo agreement status transitions (Australia / NPP)
  - object_type: payto_payments
    trigger: PayTo payment initiation request status changes (Australia / NPP)
  - object_type: transaction_failure_advice
    trigger: Reconciliation / transaction failure advice
management:
  create: openapi/zai-assembly-api.json#createCallback
  list: openapi/zai-assembly-api.json#listCallbacks
  responses: openapi/zai-assembly-api.json#listCallbackResponse