Settlement Webhook

Overview

Settlement Webhook is an asynchronous notification that reports a material change in a settlement instruction, batch, transfer, or settlement status. It communicates a settlement event but does not itself move funds or prove final settlement unless the payload and source define that meaning.

The principal risks include premature accounting, duplicate journal entries, missing failure notices, out-of-order status updates, forged events, and confusion between initiated, processed, and final settlement. A receiver should treat transport acknowledgement and successful downstream processing as separate states for Settlement Webhook.

A production implementation should authenticate the sender, verify signatures, deduplicate events, preserve settlement identifiers, compare event sequence or timestamps, and reconcile the notice against the settlement system of record. The Settlement Webhook path should preserve ordering and duplicate evidence so delayed delivery cannot silently overwrite a newer state.

Useful measures include event latency, settlement-event completeness, duplicate rate, signature failures, reconciliation breaks, and time to resolve status discrepancies. Settlement Webhook is closely connected to Webhook Subscription, Reconciliation API, and At-Least-Once Delivery. Business actions triggered by Settlement Webhook should be idempotent and should verify the current object state before fulfillment or accounting updates.

Recovery for Settlement Webhook should combine replay controls with an authoritative status check rather than trusting delivery history alone. A Settlement Webhook handler should acknowledge only after durable receipt when the provider’s retry contract depends on the response. Monitoring for Settlement Webhook should track delivery age, signature failures, duplicate rate, retry exhaustion, and unresolved business events.

Replay of Settlement Webhook should preserve original identifiers and timestamps so historical processing cannot masquerade as a new event.