Webhooks

Card webhook events and how to consume them

Cards add two webhook event types on top of Grid’s existing webhook infrastructure. Signature verification (X-Grid-Signature) and retry behavior are identical to the rest of Grid — see Authentication and Webhooks for the underlying mechanics.

Card-transaction lifecycle events are not card-specific webhooks — they ride on the generic transaction webhook stream (a follow-up extends the Transaction model with a card destination type).

Event types

Type	Fires on
CARD.STATE_CHANGE	PROCESSING → ACTIVE, → CLOSED (ISSUER_REJECTED), and every subsequent ACTIVE ⇄ FROZEN and → CLOSED transition.
CARD.FUNDING_SOURCE_CHANGE	Whenever PATCH /cards/{id} updates the fundingSources array.

All card webhooks carry the standard envelope:

{
  "id": "Webhook:019542f5-b3e7-1d02-0000-000000000020",
  "type": "CARD.STATE_CHANGE",
  "timestamp": "2026-05-08T14:11:00Z",
  "data": { /* the affected Card or CardTransaction resource */ }
}

The id is unique per delivery and safe to use for idempotency.

CARD.STATE_CHANGE

The data payload is the post-change Card resource. Example — activation after issuance:

{
  "id": "Webhook:019542f5-b3e7-1d02-0000-000000000020",
  "type": "CARD.STATE_CHANGE",
  "timestamp": "2026-05-08T14:11:00Z",
  "data": {
    "id": "Card:019542f5-b3e7-1d02-0000-000000000010",
    "cardholderId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
    "state": "ACTIVE",
    "brand": "VISA",
    "form": "VIRTUAL",
    "last4": "4242",
    "expMonth": 12,
    "expYear": 2029,
    "fundingSources": [
      "InternalAccount:019542f5-b3e7-1d02-0000-000000000002"
    ],
    "currency": "USD",
    "processorRef": "card_b81c2a4f",
    "issuerRef": "lead_card_7a1b9c3d",
    "createdAt": "2026-05-08T14:10:00Z",
    "updatedAt": "2026-05-08T14:11:00Z"
  }
}

Common branches to handle in your consumer:

• state: "ACTIVE" after PROCESSING — the card is live. To reveal the full card details, request a reveal with POST /cards/{id}/reveal right before rendering its short-lived panEmbedUrl in an iframe — webhook payloads never carry a reveal URL.
• state: "CLOSED", stateReason: "ISSUER_REJECTED" — the issuer rejected provisioning; offer to issue a new card.
• state: "FROZEN" / state: "ACTIVE" — reflect the freeze toggle in your UI.
• state: "CLOSED", stateReason: "CLOSED_BY_PLATFORM" — close confirmed; stop showing the card.

CARD.FUNDING_SOURCE_CHANGE

Fires whenever a PATCH /cards/{id} call changes the fundingSources array. The data payload is the full Card resource with the post-change fundingSources, so a consumer that only cares about the current set of bindings can replace state wholesale.

CARD_TRANSACTION.*

Card-transaction lifecycle events fire on every state transition of a CardTransaction. The data payload is the full CardTransaction resource after the transition.

Type	Fires on
CARD_TRANSACTION.AUTHORIZED	Authorization approved, hold placed on funding source.
CARD_TRANSACTION.PARTIALLY_SETTLED	At least one clearing landed, but more are expected (split shipments, multi-leg trips).
CARD_TRANSACTION.SETTLED	All clearings for the auth have posted. The transaction is closed.
CARD_TRANSACTION.REFUNDED	Merchant-initiated RETURN received; settled funds returned in full or part.
CARD_TRANSACTION.EXCEPTION	Transaction settled to the network but the pull from the funding source failed.

See Reconciliation for the underlying event model and the over-auth and exception paths.

Idempotency & retries

Webhook deliveries are at-least-once. Track processed id values and return 200 on duplicates, or return 409 and let Grid stop retrying. Both shapes are accepted by Grid’s webhook infrastructure.