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

# Accounts

> This is the structure of the data payload sent to your webhook URL to notify your system about debits, credits, status updates related to Spotflow Wallets and Dynamic Accounts.

## **Accounts Events**

| **Event Name**                | **Event Type**              | **Description**                                                                               |   |
| ----------------------------- | --------------------------- | --------------------------------------------------------------------------------------------- | - |
| **Account Credit Successful** | `account_credit_successful` | Occurs when a credit is made successfully to your main wallet, sub wallet or virtual account. |   |
| **Account Debit Successful**  | `account_debit_successful`  | Occurs when money is debited or disbursed successfully from your balances.                    |   |

## **Payload Example Structure**

#### ***Account Credit Successful for Main Wallets***

```yaml theme={null}
{
  "event": "account_credit_successful",
  "data": {
    "id": "294b7632-08c2-41de-8728-d52ac3bf51bf",
    "account": {
      "id": "04a6031a-ada4-4d25-9e49-1a9648f3fc17",
      "account_number": "4576690890",
      "account_name": "Main NGN Account"
    },
    "merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa8978",
    "reference": "API-VACT_TRA-30D70-8340643d-f26e-4650-92d0-1dc28ea01a35",
    "spotflow_reference": "SPF-CRDT-02374ba82fdd4efd875982d9f36f00f6",
    "amount": 100,
    "fee": 0,
    "currency": "NGN",
    "type": "credit",
    "status": "successful",
    "source": "virtual_account",
    "description": "Transfer from AMY JAMES",
    "sender": {
      "account_name": "AMY JAMES",
      "account_number": "8083299876",
      "bank_name": "Paycom (Opay)"
    },
    "mode": "live",
    "transaction_date": "2025-10-28T20:35:42Z"
  }
}
```

#### ***Account Credit Successful for Sub Wallets***

```yaml theme={null}
{
  "event": "account_credit_successful",
  "data": {
    "id": "9a4587ad-da36-4e09-ba8c-eed769da48db",
    "account": {
      "id": "e49a1ac2-4e32-4f5d-a41c-bc4d983e5e9a",
      "account_number": "1370758907",
      "account_name": "Kelly Jones"
    },
    "merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa0410",
    "reference": "API-VACT_TRA-30D70-bb882eaa-4850-4fb0-863b-c0f9775f65bb",
    "spotflow_reference": "SPF-CRDT-af3c78785aa34cd9bff539576e76b75d",
    "amount": 100,
    "fee": 0,
    "currency": "NGN",
    "type": "credit",
    "status": "successful",
    "source": "virtual_account",
    "description": "Transfer from AMY JAMES",
    "sender": {
      "account_name": "AMY JAMES",
      "account_number": "8083299876",
      "bank_name": "Paycom (Opay)"
    },
    "mode": "live",
    "transaction_date": "2025-10-28T20:43:42Z"
  }
}
```

#### ***Account Debit Successful from Main Wallet balances***

```yaml theme={null}
{
  "event": "account_debit_successful",
  "data": {
    "id": "6bca4872-546c-4755-b27f-8338baae5fe3",
    "account": {
      "id": "04a6031a-ada4-4d25-9e49-1a9648f3fc17",
      "account_number": "4576690890",
      "account_name": "Main NGN Account"
    },
    "merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa8978",
    "reference": "SPF-MHB1NQRN-84326FC1-AC66-4E36-9",
    "spotflow_reference": "SPF-TRSF-f804244ea942479194b1d48ef578b5cb",
    "amount": 100,
    "fee": 0,
    "currency": "NGN",
    "type": "debit",
    "status": "successful",
    "source": "transfer",
    "description": "foodstuff",
    "destination": {
      "account_name": "AMY JAMES",
      "account_number": "8083299876",
      "bank_code": "SPB-73260",
      "bank_name": "Paycom (Opay)"
    },
    "mode": "live",
    "transaction_date": "2025-10-28T20:53:56.060729Z"
  }
}
```