Account

Audience: partners integrating with our push notification service.

Scope: events whose event value starts with v1.onboarding.account.*

Version: 1.0

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1. Overview

Account onboarding allows you to create a new account and submit related details and documents to complete onboarding of the account. An account cannot transact until onboarding has successfully completed. Whenever an account is created or moves through the onboarding lifecycle, we emit a webhook so your system can react in real‑time (update UI, trigger fulfilment, etc.).

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2. Event catalogue

Event	When it triggers
v1.onboarding.account.created	On successful creation of new account.
v1.onboarding.account.signed_up	On acceptance of account sign-up details.
v1.onboarding.account.rejected	On rejection of account sign-up details or documentation.
v1.onboarding.account.submitted	On submission of account sign-up details (incl. documentation) for review and decision.
v1.onboarding.account.approved	On approval of account sign-up details (incl. documentation).
v1.onboarding.account.onboarded	The account is fully onboarded and able to transact.

3. Event flow

1. You create an account and receive account.created.
2. The customer submits their business profile. If the profile is not eligible, you receive account.rejected immediately. If eligible, you receive account.signed_up.
3. The customer uploads documents and adds related persons.
4. The customer confirms their submission. You receive account.submitted.
5. After review, you receive either account.rejected or account.approved.
6. Once the account is fully activated, you receive account.onboarded.

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4. Additional data

Each account.* event includes the following properties in the data object:

Field	Type	Events	Description
accountName	string	All	The account name at the time the event was emitted.
status	string	All	The account status after the transition. See values below.
accountType	string	created, onboarded	Account type — BUSINESS or INDIVIDUAL.
rejectionReason	string	rejected	Why the account was rejected. See values below.

status values

Value	Emitted with	Meaning
CREATED	account.created	Account has just been created.
APPLICATION_IN_PROGRESS	account.signed_up	Business profile accepted, onboarding in progress.
APPLICATION_SUBMITTED	account.submitted	Customer submitted the application for ops review.
APPLICATION_APPROVED	account.approved	Application has been approved.
DECLINED	account.rejected	Account was rejected (see rejectionReason for details).
ACTIVE	account.onboarded	Account fully onboarded and able to transact.

rejectionReason values

Value	Meaning
NON_UAE_BUSINESS	Country of incorporation is not the UAE. Emitted during early business profile eligibility checks.
PROHIBITED_BUSINESS_ACTIVITIES	Business activities contain prohibited types. Emitted during early business profile eligibility checks.
FAILED_VERIFICATION	Application was declined after full review.

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5. Payload examples

account.created

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.created",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T10:15:31Z",
  "data": {
    "accountName": "Acme Corp",
    "accountType": "BUSINESS",
    "status": "CREATED"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

account.signed_up

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.signed_up",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T10:16:02Z",
  "data": {
    "accountName": "Acme Corp",
    "status": "APPLICATION_IN_PROGRESS"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

account.submitted

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.submitted",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T10:20:15Z",
  "data": {
    "accountName": "Acme Corp",
    "status": "APPLICATION_SUBMITTED"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

account.approved

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.approved",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T14:05:00Z",
  "data": {
    "accountName": "Acme Corp",
    "status": "APPLICATION_APPROVED"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

account.rejected

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.rejected",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T10:16:02Z",
  "data": {
    "accountName": "Acme Corp",
    "status": "DECLINED",
    "rejectionReason": "NON_UAE_BUSINESS"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

account.onboarded

{
  "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "event": "v1.onboarding.account.onboarded",
  "accountId": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
  "createdAt": "2026-04-13T14:10:22Z",
  "data": {
    "accountName": "Acme Corp",
    "accountType": "BUSINESS",
    "status": "ACTIVE"
  },
  "relatedObject": {
    "id": "f5e6d7c8-b9a0-4321-8765-0fedcba98765",
    "type": "onboarding.account"
  }
}

See the callback documentation for the full webhook envelope schema.

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