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This diagram shows where the main webhooks fit across a card-issuing program, from onboarding through spend, disputes, and reporting. Most of the sequence is the same regardless of integration model, but authorization differs: Partner-Managed programs decide authorizations themselves and receive transaction.requested, while Rain-Managed programs skip straight to transaction.created because Rain decides authorizations internally. To set up your endpoint first, see Set up webhooks; for a flat list of every event, see the Event catalog.
Webhook Rain sends youYour handler (ack 2xx)Action / API callCard networkConditional stepException (dispute)
Onboarding · KYB + KYCCollateralCard issuance & walletPurchase & settlementDisputeReporting
🌧️Rain (issuer · processor)
🌐Card network
👤Cardholder
📱Partner app (UI)
🖥️Partner backend (you)
1Corporate onlySubmit company for KYB
2Webhook · KYBcompany.updated
3Handleack 2xx
4CardholderSign up & submit KYC
5Webhook · KYCuser.updated
6Handleack 2xx
7Rain · on-chainDeploy collateral contract
8Webhook · per-usercontract.created
9Handleack 2xx
10Cardholder · on-chainDeposit collateral
11Webhook · collateraltransaction.created
12Handleack 2xx
13POSTCreate card
14RainIssue card
15Webhookcard.created
16Handleack 2xx
17CardholderActivate card
18Webhook · activecard.updated
19Handleack 2xx
20CardholderAdd card to Apple / Google Pay
21Webhook · if declinedcard.notification
22Handleack 2xx
23CardholderMake a purchase
24NetworkAuthorization request
25Webhook · Partner-Managed onlytransaction.requested
26Webhook · spendtransaction.created
27Handleack 2xx
28Webhooktransaction.completed
29Handleack 2xx
30Webhook · if disputeddispute.created
31Handleack 2xx
32Rain · periodicGenerate statement / report
33Webhook · periodicreport.created
34Handleack 2xx
⚑ Company KYB: corporate programs onlyConsumer programs skip KYB and start at cardholder KYC ↓

Situational and program-specific steps

Some steps in the diagram do not happen for every program, or fire only in specific situations:

What’s next

Set up webhooks

Register your endpoint, choose a signing key, and verify signatures.

Event catalog

Look up any event by category, delivery model, and trigger.