Receiving money

Money lands in your merchant wallet through a funding rail, and Swappr fires a wallet_funded webhook for every credit — with the sender’s details and, when the credited account belongs to a customer, a customer attribution block. Whatever the rail, the pattern is the same: subscribe to wallet_funded, verify the signature, and reconcile against your own records.

Rails by currency

ISO 4217 currency codes are used everywhere — amountMinor is always paired with a currency (e.g. GBP, USD, EUR, CAD, NGN).

Which collection flow am I in?

• Receiving for one of your end-users? → issue a customer international account. The inflow carries a customer block so you can credit the right user. See International accounts.
• Receiving into your own business treasury? → a merchant international account. The inflow is a merchant-pool credit with no customer block. See International accounts.
• Receiving CAD? → use CAD & Interac — funds route by your registered Interac address, not a VIBAN.

Attribution in one line

Your merchant wallet is always credited. When the credited account belongs to a customer, the wallet_funded payload carries a customer block — branch on event.customer?.id. See Attribution & balances for crediting end-users and pulling history.

Funding fees

Inbound funding may carry a fee. Where it does, your wallet is credited the gross and the fee is taken as a separate debit — we never quietly reduce the credit. That means two entries per inflow, matching bank-statement convention and keeping refunds clean, but it also means the credit you see is not the amount you kept.

Read the difference off whichever surface you already use:

• wallet_funded webhook → amountMinor is the gross, feeMinor is the fee, netMinor is what you kept
• GET /v1/customers/{id}/transactions → amount_minor, fee_minor, net_minor on each collection
• GET /v1/wallets/{id}/funding-events → the same three fields per event
• The fee debit itself is a normal ledger row: GET /v1/wallets/{id}/transactions?source=virtual_account_credit_fee

fee_minor / feeMinor is "0" when no fee applies, and combines fee and tax into one number. If you credit an end user off an inflow, credit them the net.

Next

• International accounts (GBP/USD/EUR) → — customer vs business VIBANs
• CAD & Interac → — receiving CAD by Interac e-Transfer
• Attribution & balances → — credit the right user, pull history + balances
• Webhooks → — the wallet_funded payload + field reference

What’s next