Webhook events: Cards

Common events

When you work with Cross River accounts, cards and payments, you register for specific webhooks which have a specific format.

This table presents cards webhook events that are described in detail below.

Event Name	Description	Related Endpoint
Cards.Card.Ordered	Card has been ordered
Cards.Card.Created	Card created	Create new card
Cards.Card.Activated	Card has been activated	Activate card by ID
Cards.Card.Status.Changed	Card state has changed
Cards.Card.Pin.Set	Set PIN for card	Set PIN
Cards.Card.Suspended	Card use temporarily suspended	Suspend card
Cards.Card.Suspended	Card suspended by admin	Admin block
Cards.Card.Unsuspended	Suspension removed from card	Unsuspend card
Cards.Card.Profile.Changed	Card profile has been updated	Change card profile
Cards.Card Replaced	Card replaced	Replace card by ID
Cards.Card.Closed	Card closed	Close card
Cards.Transaction.Authorized	Card transaction approved
Cards.Transaction.Cleared	Card transaction successfully completed
Cards.Transaction.Declined	Card transaction not approved
Cards.Transaction.Reversed	Payment credited to the originating account
Cards.Token.ProvisioningReceived	Wallet provisioning request initiated when user adds card to Apple Pay/Google Pay	Retrieve wallet tokens Retrieve specific wallet token Update token status
Cards.Token.ActivationReceived	Token activation requested. After provisioning approval.	Retrieve wallet tokens Retrieve specific wallet token Update token status
Cards. Token. CompletionReceived	Tokenization process completed. Token successfully activated.	Retrieve wallet tokens Retrieve specific wallet token Update token status
Cards.3ds.OtpTransactionReceived	Sent when OTP-based authentication is initiated	3DS authentication details Simulate authentication
Cards.3ds.OutOfBandTransactionReceived	Sent when out-of-band authentication is initiated (requires validation)	3DS authentication details Simulate authentication Validate OUTOFBANDOTHER

Card Issuing

Order a card

{
    "id": "1a175de4-5e0a-47af-8e56-b2f200d6cf7a",
    "eventName": "Cards.Card.Ordered",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:02:06.05+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}

Create a card

{
    "id": "b757dedd-1156-4e7e-9178-b2f200d6cf7b",
    "eventName": "Cards.Card.Created",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:02:06.067+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}

Activate a card

{
    "id": "ab1e566b-de09-4004-ba19-b2f200d78196",
    "eventName": "Cards.Card.Activated",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:04:38.043+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Unactivated",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}

Card status has changed

{
  "id": "07d815aa-696d-4643-8ab9-b2f200d78195",
  "eventName": "Cards.Card.Status.Changed",
  "status": "Pending",
  "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
  "createdAt": "2025-06-04T09:04:38.043+00:00",
  "resources": [
    "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
  ],
  "details": [
    {
      "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
      "status": "Active",
      "statusReasonCode": "NotSet",
      "fraudSuspect": "False",
      "adminBlocked": "False",
      "previousStatus": "Unactivated",
      "previousStatusReasonCode": "NotSet",
      "previousFraudSuspect": "False",
      "previousAdminBlocked": "False"
    }
  ]
}

Set a card PIN

{
    "id": "60207330-ac6d-408d-a71f-b2f200d80d2b",
    "eventName": "Cards.Card.Pin.Set",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:06:37.157+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}

Card has been suspended

{
    "id": "11c8368c-6b2f-42a5-9bb4-b2f200d89d3d",
    "eventName": "Cards.Card.Suspended",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:08:40.093+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Suspended",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Active",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}

Card has been unsuspended

{
    "id": "53979cb2-a5fc-431a-b068-b2f200d92ba9",
    "eventName": "Cards.Card.Unsuspended",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:10:41.623+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Suspended",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}

Change card profile

{
    "id": "9d6bc42e-aa79-4bc7-8d74-b2f200d9ff46",
    "eventName": "Cards.Card.Profile.Changed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:13:42.203+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}

Card replaced

{
    "id": "5fcae666-d3f3-45c3-b67c-b2f200da6c3e",
    "eventName": "Cards.Card.Replaced",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:15:15.19+00:00",
    "resources": [
        "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
    ],
    "details": [
        {
            "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
            "previousCardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet"
        }
    ]
}

Card suspended by admin

{
  "id": "7054e36b-2c8f-401b-8853-b2f200db1c1f",
  "eventName": "Cards.Card.Suspended",
  "status": "Pending",
  "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
  "createdAt": "2025-06-04T09:17:45.277+00:00",
  "resources": [
    "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
  ],
  "details": [
    {
      "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
      "status": "Suspended",
      "statusReasonCode": "NotSet",
      "fraudSuspect": "False",
      "adminBlocked": "True",
      "previousStatus": "Active",
      "previousStatusReasonCode": "NotSet",
      "previousFraudSuspect": "False",
      "previousAdminBlocked": "False"
    }
  ]

Card closed

{
    "id": "ba915833-4fe3-4e41-84c3-b2f200db64be",
    "eventName": "Cards.Card.Closed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:18:47.247+00:00",
    "resources": [
        "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
    ],
    "details": [
        {
            "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
            "status": "Closed",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Suspended",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "True"
        }
    ]
}

Card Transactions

Cards.Transaction.Authorized

{
    "id": "af816e87-15c4-4bd3-a7cd-b2f3012e950f",
    "eventName": "Cards.Transaction.Authorized",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:21:40.103+00:00",
    "resources": [
        "cardmanagement/v1/transactions/49e8a49f-6750-49dd-aaff-b2f3012e72d9"
    ],
    "details": [
        {
            "transactionId": "49e8a49f-6750-49dd-aaff-b2f3012e72d9",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "fcea0e4d-ff12-415d-9b1b-b2f3012e72ef",
            "coreTransactionId": null,
            "description": "015963889974 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "1999",
            "processor": "i2c",
            "messageType": "0100"
        }
    ]
}

Cards.Transaction.Cleared

{
    "id": "c3dd1a56-f1e4-48ed-8dcf-b2f3012f21c5",
    "eventName": "Cards.Transaction.Cleared",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:23:40.163+00:00",
    "resources": [
        "cardmanagement/v1/transactions/ae6cf986-2cbf-4754-bc5e-b2f3012f050b"
    ],
    "details": [
        {
            "transactionId": "ae6cf986-2cbf-4754-bc5e-b2f3012f050b",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "fcea0e4d-ff12-415d-9b1b-b2f3012e72ef",
            "coreTransactionId": "ae6cf986-2cbf-4754-bc5e-b2f3012f050b",
            "description": "015963889974 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "1999",
            "processor": "i2c",
            "messageType": "0200"
        }
    ]
}

Cards.Transaction.Declined

{
    "id": "fdc69fac-4e37-436c-9f2e-b2f3012ffa8e",
    "eventName": "Cards.Transaction.Declined",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:26:45.153+00:00",
    "resources": [
        "cardmanagement/v1/transactions/a47edf85-3417-4fb3-a071-b2f3012fd6e7"
    ],
    "details": [
        {
            "transactionId": "a47edf85-3417-4fb3-a071-b2f3012fd6e7",
            "outboundResponseCode": "51",
            "accountNumber": "2434801953",
            "memoPostId": null,
            "coreTransactionId": null,
            "description": "976310542139 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "700000",
            "processor": "i2c",
            "messageType": "0100"
        }
    ]
}

Cards.Transaction.Reversed

{
    "id": "d85606f7-3584-4958-9266-b2f301334d0e",
    "eventName": "Cards.Transaction.Reversed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:38:50.913+00:00",
    "resources": [
        "cardmanagement/v1/transactions/94d112f2-7c94-4178-a832-b2f3013343bc"
    ],
    "details": [
        {
            "transactionId": "94d112f2-7c94-4178-a832-b2f3013343bc",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "8e29c5d1-627d-4c25-9181-b2f30133342c",
            "coreTransactionId": null,
            "description": "(Reversal) 873023855855 Coffee Xpress            Anywhere     NYUSA Purchase on 2434801953",
            "processingCode": "Purchase",
            "amount": "742",
            "processor": "i2c",
            "messageType": "0420"
        }
    ]
}

Card.Token.ProvisioningReceived

{
  "id": "5e87a305-3813-4776-a7c3-b44f00db703e",
  "eventName": "Cards.Token.ProvisioningReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:18:57.057-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/c25cabee-2533-4a46-a52b-c74991559bd7"
  ],
  "details": [
    {
      "id": "c25cabee-2533-4a46-a52b-c74991559bd7",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:20.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "INACTIVE",
      "tokenType": "",
      "walletIdentifier": null
    }
  ]
}

Card.Token.ActivationReceived

{
  "id": "c598ff46-13ef-4c10-830b-b44f00dff8f7",
  "eventName": "Cards.Token.ActivationReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:35:27.543-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/89a3ca77-10dc-4b88-b0a7-b4480095d104"
  ],
  "details": [
    {
      "id": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:35:07.0000000-04:00",
      "activationCode": "364766",
      "activationCodeExpiration": "5/22/2026 1:35:07?PM",
      "activationMethodPreferenceType": "MASKED_EMAIL",
      "activationMethodPreferenceValue": "d****@gmail.com",
      "tokenState": "INACTIVE",
      "walletIdentifier": null
    }
  ]
}

Card.Token.CompletionReceived

{
  "id": "cd1b4b30-c106-4bc1-8ee4-b44f00db703e",
  "eventName": "Cards.Token.CompletionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:18:57.057-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/cbd6c950-1417-4c87-ba18-99fdfd72d9a6"
  ],
  "details": [
    {
      "id": "cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:25.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "ACTIVE",
      "tokenType": "SECURE_ELEMENT",
      "finalDecision": "TOKEN_CREATED",
      "finalDecisionIndicator": "85"
    },
    {
      "id": "cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:25.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "ACTIVE",
      "tokenType": "HCE",
      "finalDecision": "OTP_VERIFICATION_RESULT",
      "finalDecisionIndicator": "00"
    }
  ]
}

Cards.3ds.OtpTransactionReceived

{
  "id": "54f57237-64a4-463a-a4ee-b45600a904b6",
  "eventName": "Cards.3ds.OtpTransactionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-26T06:15:22.637-04:00",
  "resources": [
    "cardmanagement/v1/3ds/3a63b0f1-12fb-4eff-81b5-b45600a8ee0f"
  ],
  "details": [
    {
      "id": "3a63b0f1-12fb-4eff-81b5-b45600a8ee0f",
      "authenticationId": "d8709ba6-2ba1-4130-a73e-0a1a62d4caae",
      "transactionId": "2c76820c-b8a9-4b34-a866-5d87a3edfcb6",
      "stepUpRequestId": "dda5d674-20c4-4d9e-9361-9bf9b53f2cef",
      "stepUpCounter": "1",
      "stepUpType": "OTPSMS",
      "verificationToken": "847296",
      "otpReferenceCode": "REF-847296",
      "merchantId": "MERCH_12345678",
      "merchantName": "ACME",
      "merchantUrl": "https://www.examplestore.com",
      "merchantCategoryCode": "5411",
      "merchantCountryCode": "GB",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "transactionAmount": "10"
    }
  ]
}

Cards.3ds.OutOfBandTransactionReceived

{
  "id": "895e7062-bfe5-4d85-b311-b45600a99166",
  "eventName": "Cards.3ds.OutOfBandTransactionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-26T06:17:22.69-04:00",
  "resources": [
    "cardmanagement/v1/3ds/ca9cff74-796b-4a22-9e30-b45600a9783b"
  ],
  "details": [
    {
      "id": "ca9cff74-796b-4a22-9e30-b45600a9783b",
      "authenticationId": "c03c5399-d0ff-4622-aac9-cf102df2edb6",
      "transactionId": "9a8d9109-fd4d-4c29-afdf-02d97367e196",
      "stepUpRequestId": "7664f11a-4a0b-44cb-8551-d277e51a6068",
      "stepUpCounter": "0",
      "stepUpType": "OUTOFBANDOTHER",
      "verificationToken": null,
      "otpReferenceCode": null,
      "merchantId": "MERCH_12345678",
      "merchantName": "ACME",
      "merchantUrl": "https://www.examplestore.com",
      "merchantCategoryCode": "5411",
      "merchantCountryCode": "GB",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "transactionAmount": "10"
    }
  ]
}