Collection Notification (received by YOU, not called by you)

⚠️ This is not an endpoint you call. It documents the payload VantPay POSTs to the webhook URL you configured, whenever a virtual account is funded.

Acknowledgement, retries & idempotency:

Respond with an HTTP 2xx status as soon as you have safely stored the event. Any non-2xx response is treated as a failed delivery.

VantPay retries failed deliveries with backoff, up to a configured maximum number of attempts, after which the notification is parked for manual review.

Deliveries may be repeated. transactionRef is unique and stable — deduplicate on it so a repeated notification is processed only once.

Do not rely on delivery order. For authoritative state, re-query GET /api/v1/transactions?search={transactionRef}.

Verifying notifications:

Configure an authToken and reject any notification whose Authorization header does not match the token you set.

Only accept notifications over HTTPS.

Treat the webhook as a signal, then confirm the amount and status against the transactions API before releasing value to your customer.

curl --location 'https://merchantapi-dev.vantpay.io/webhook-notifications/collection' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data '{ "transactionRef": "de95884fbfaa8285e29964df2c1b2be8", "amount": 19900, "account": "9000603117", "sourceAccount": "1000203425", "sourceBank": "Digitvant MFB", "senderName": "Innocent Orji", "narration": "Virtual Account Credit", "transactionDate": "2026-09-08T16:04:14", "status": "SUCCESSFUL" }'

Collection Notification (received by YOU, not called by you)

Request

Responses