Receive Payments from Across Europe
When a payment arrives via CSM, Inventi notifies you in real-time through webhooks so you can credit your customer’s balance immediately.What happens when a payment arrives:
- Payment comes through CSM to your customer’s IBAN
- Inventi validates and processes the incoming transfer
- Your webhook receiver gets notified instantly
- You credit your customer’s balance in your system
Supported Payment Types
SEPA Credit Transfer
Standard transfers with next business day settlement
SEPA Instant
Real-time payments settled in under 10 seconds
API Reference
Transaction Status Webhook
Receive notifications for incoming payments
Confirm Transaction
Accept or reject pending instant payments
Get Transaction
Retrieve full transaction details
Transaction Status History
View complete status timeline
Business Requirements
Webhooks are the primary trigger
Webhooks are the primary trigger
Use the Transaction Status Change webhook to create and update incoming transaction records in your system. This is the primary signal for all inbound payments.
Webhooks provide near real-time notifications. Use polling only as a fallback for reconciliation.
Webhook retry blocks subsequent events
Webhook retry blocks subsequent events
If your webhook endpoint fails, the platform retries until success and holds all subsequent notifications until the blocked one is delivered.
Pending confirmation is time-critical
Pending confirmation is time-critical
When Instant Confirmation is enabled, incoming SEPA Instant transactions arrive as
Pending confirmation. You must respond within 5 seconds after receiving the webhook.How It Works
The platform sends webhook notifications as transactions progress through the payment lifecycle.Webhook Payload
Each status change notification includes these fields:integer
required
Unique transaction identifier
string
End-to-end reference from the originator
string
required
INBOUND for incoming paymentsstring
required
Current transaction status
integer
required
Amount in cents
string
required
Currency code (EUR)
string
Sender’s IBAN
string
Recipient’s IBAN
datetime
required
Status change timestamp
Transaction Statuses
- SCT Inbound
- Instant with Confirmation
- Error States
Handle SEPA Instant Confirmation
When instant confirmation is enabled for your account, incoming SEPA Instant payments require your approval.Confirmation Endpoint
Decision Patterns
Auto-accept
Accept all payments automatically. Best for low-risk scenarios with trusted counterparties.
Rules-based
Apply amount limits, counterparty checks, and AML screening. Recommended for most use cases.
Manual review
Human approval required. Not viable due to 5-second time limit.
Integration Checklist
1
Implement webhook endpoint
Create an endpoint that responds with
2xx immediately and processes asynchronously2
Handle idempotency
Upsert transactions by
trx_id to safely handle duplicate deliveries3
Process inbound direction
Filter for
direction=INBOUND and update your ledger accordingly4
Implement confirmation flow
If using instant confirmation, build a fast decision service that responds within 5 seconds
5
Maintain status history
Store all status transitions for audit and investigation purposes
What’s Next?
Your integration now handles both sending and receiving payments. Complete it with exception handling and reconciliation:Return Payments
Return funds when you can’t credit the beneficiary
Handle Cancellations
Respond when originators request cancellation
Track and Reconcile
Monitor transactions and verify with Nostro statements