> ## Documentation Index
> Fetch the complete documentation index at: https://docs.y.uno/llms.txt
> Use this file to discover all available pages before exploring further.

# Webhook Notifications

Yuno sends incoming transfer notifications to your endpoint at `{merchant_base_URL}/v1/banking/transfers`. Your endpoint must return a `200 OK` response with `{"received": true}`.

Notifications include sender details, transfer amount, payment rail, and status. Yuno retries on `5xx` responses and timeouts with exponential backoff.

See [Webhook events](/reference/banking-connectivity#webhook-events) for the complete list of Banking Connectivity webhook event types.


## OpenAPI

````yaml openapi/banking-connectivity/webhooks/webhook-notifications-banking.json POST /banking/transfers
openapi: 3.0.0
info:
  version: 1.0.0
  title: Banking Connectivity Merchant Base URL
servers:
  - url: https://{merchant_base_URL}/v1
security: []
paths:
  /banking/transfers:
    post:
      tags:
        - Webhooks
      summary: Webhook Notifications
      operationId: post_v1-banking-connectivity-transfers
      parameters: []
      requestBody:
        content:
          application/json:
            schema:
              type: object
              properties:
                id:
                  type: string
                  description: The unique identifier of the transfer (prefixed `xfer_`).
                  example: xfer_cc0e8400-e29b-41d4-a716-446655440000
                destination_account_id:
                  type: string
                  description: >-
                    The `id` of the destination Banking Connectivity account
                    that received the incoming transfer.
                  example: acct_aa0e8400-e29b-41d4-a716-446655440000
                account_id:
                  type: string
                  description: The merchant's Yuno account identifier.
                  example: 550e8400-e29b-41d4-a716-446655440000
                provider:
                  type: object
                  description: Provider-side identifiers.
                  properties:
                    account_id:
                      type: string
                      description: The provider's internal account identifier.
                      example: col_bank_account_789
                    transfer_id:
                      type: string
                      description: The provider's internal transfer identifier.
                      example: col_incoming_xyz456
                status:
                  type: string
                  description: The transfer status.
                  enum:
                    - PENDING
                    - COMPLETED
                  example: COMPLETED
                direction:
                  type: string
                  description: >-
                    The transfer direction. Incoming transfer webhooks always
                    have `INCOMING`.
                  enum:
                    - INCOMING
                  example: INCOMING
                sender:
                  type: object
                  description: Information about the external sender.
                  properties:
                    account_number_last_4:
                      type: string
                      description: Last 4 digits of the sender's account number.
                      example: '5678'
                    routing_number:
                      type: string
                      description: The sender's routing number.
                      example: '987654321'
                    account_name:
                      type: string
                      description: The sender's account holder name.
                      example: External Company LLC
                    bank_name:
                      type: string
                      description: The sender's bank name.
                      example: Bank of America
                amount:
                  type: object
                  description: The transfer amount.
                  properties:
                    value:
                      type: number
                      description: The transfer amount.
                      example: 2500
                    currency:
                      type: string
                      description: >-
                        The currency ([ISO
                        4217](https://en.wikipedia.org/wiki/ISO_4217)).
                      example: USD
                payment_rail:
                  type: string
                  description: The payment rail used for the transfer.
                  enum:
                    - ACH_STANDARD
                    - ACH_SAME_DAY
                    - WIRE
                    - RTP
                    - FPS
                    - CHAPS
                    - BACS
                    - NPP
                    - PAYTO
                    - BPAY
                  example: ACH_STANDARD
                description:
                  type: string
                  description: The transfer description.
                  example: Payment for services
                created_at:
                  type: string
                  description: The timestamp when the transfer was created (ISO 8601).
                  example: '2026-02-01T14:30:00Z'
                updated_at:
                  type: string
                  description: The timestamp when the transfer was last updated (ISO 8601).
                  example: '2026-02-01T14:30:00Z'
            examples:
              Incoming transfer notification:
                summary: Incoming transfer notification
                value:
                  id: xfer_cc0e8400-e29b-41d4-a716-446655440000
                  destination_account_id: acct_aa0e8400-e29b-41d4-a716-446655440000
                  account_id: 550e8400-e29b-41d4-a716-446655440000
                  provider:
                    account_id: col_bank_account_789
                    transfer_id: col_incoming_xyz456
                  status: COMPLETED
                  direction: INCOMING
                  sender:
                    account_number_last_4: '5678'
                    routing_number: '987654321'
                    account_name: External Company LLC
                    bank_name: Bank of America
                  amount:
                    value: 2500
                    currency: USD
                  payment_rail: ACH_STANDARD
                  description: Payment for services
                  created_at: '2026-02-01T14:30:00Z'
                  updated_at: '2026-02-01T14:30:00Z'
      responses:
        '200':
          description: ''
          content:
            application/json:
              examples:
                OK (Incoming transfer notification):
                  summary: OK (Incoming transfer notification)
                  value:
                    received: true

````