# Swift receive credit

Triggered every time a SWIFT message is received and a credit is deposited into a balance account.
If you also subscribe to `balances#credit` or `transfers#state-change` on the same profile or application, you may experience some duplication of webhook events. You should make allowances for this to handle it in your implementation.
* Event type: `swift-in#credit`
* Profile level subscriptions: Supported
* Application level subscriptions: Supported

Events may not be delivered in the order they occurred. Use `data.occurred_at` to reconcile the order.
See the [Event ordering guide](/guides/developer/webhooks/event-ordering) for details.
See the [Webhooks guide](/guides/developer/webhooks) for setup instructions, signature verification, and best practices.

Endpoint: POST swift-in#credit
Version: 2027Q1

## Header parameters:

  - `X-Signature-SHA256` (string)
    RSA-SHA256 signature of the request body, Base64 encoded. Verify this against the [Wise public key](/guides/developer/webhooks/event-handling#requests) to ensure the request is authentic and has not been tampered with.

  - `X-Delivery-Id` (string)
    Unique identifier for this webhook delivery attempt.

  - `X-Test-Notification` (boolean)
    Present with the value `true` if this is a test notification sent to verify your callback URL during subscription setup.

## Request fields (application/json):

  - `schema_version` (string)
    Version of the event schema. Determined by the `schema_version` on your [webhook subscription](/api-reference/webhook).
    Enum: "4.3.0"

  - `subscription_id` (string)
    ID of the webhook subscription that triggered this event.
    Example: 01234567-89ab-cdef-0123-456789abcdef

  - `event_type` (string)
    Event type identifier
    Example: swift-in#credit

  - `sent_at` (string)
    Timestamp when the event was sent.
    Example: 2023-08-21T12:34:58.123Z

  - `data` (object)

  - `data.action` (object, required)

  - `data.action.type` (string, required)
    Type of action. Always `credit`.
    Example: credit

  - `data.action.id` (integer, required)
    TransferID of the credit.
    Example: 12345

  - `data.action.profile_id` (integer, required)
    ProfileID for the transfer.
    Example: 222

  - `data.action.account_id` (integer, required)
    AccountID for the transfer.
    Example: 333

  - `data.resource` (object, required)

  - `data.resource.id` (string, required)
    ID of the webhook.
    Example: 55555

  - `data.resource.uetr` (string, required)
    Unique identifier created by the scheme for each payment and passed through the scheme to Wise.
    Example: f875814b-7d44-4d1b-a499-123456789abcde

  - `data.resource.reference` (string)
    Reference provided by the ultimate sender for the payment.
    Example: /RFB/BET072

  - `data.resource.recipient` (object)
    Ultimate recipient.

  - `data.resource.recipient.name` (string)
    Party name.

  - `data.resource.recipient.address` (object)

  - `data.resource.recipient.address.address_lines` (any)
    Example: ["6 Evergreen Ave","Brussels"]

  - `data.resource.recipient.account` (string)
    An IBAN, BBAN, AccountId, or another account descriptor.

  - `data.resource.recipient.bank_details` (object)

  - `data.resource.recipient.bank_details.bic` (any)
    Example: EXMPBEBB

  - `data.resource.recipient.bank_details.address` (object)

  - `data.resource.recipient.bank_details.address.address_lines` (any)
    Example: ["1 Rue de l'Exemple","Brussels"]

  - `data.resource.sender` (object)
    Ultimate sender.

  - `data.resource.sender.name` (string)
    Party name.

  - `data.resource.sender.address` (object)

  - `data.resource.sender.address.address_lines` (any)
    Example: ["10 Evergreen Street","Brussels"]

  - `data.resource.sender.account` (string)
    An IBAN, BBAN, AccountId, or another account descriptor.

  - `data.resource.sender.bank_details` (object)

  - `data.resource.sender.bank_details.bic` (any)
    Example: TESTDEFF

  - `data.resource.sender.bank_details.address` (object)

  - `data.resource.sender.bank_details.address.address_lines` (any)
    Example: ["10 Musterstrasse","Frankfurt"]

  - `data.resource.exchange_rate` (number, required)
    In case the originally instructed amount was converted by Wise or any other intermediary agent, this field contains the exchange rate used. If no conversion took place, the exchange rate will be `1.0`.
    Example: 0.8

  - `data.resource.instructed_amount` (object)

  - `data.resource.instructed_amount.value` (number, required)
    Monetary value.

  - `data.resource.instructed_amount.currency` (string, required)
    3-letter ISO currency code.

  - `data.resource.fee` (object)

  - `data.resource.fee.wise` (array)
    List of fees applied by Wise (for example, conversion fees). If this list is empty, no fees were applied by Wise.

  - `data.resource.fee.wise.type` (string, required)
    Type of fee.
    Example: conversion

  - `data.resource.fee.correspondent` (array)
    List of fees declared by correspondents (for example, handling fees). If this list is empty, no fees were declared by correspondents.

  - `data.resource.transaction_time` (string, required)
    Date and time at which the associated transaction was created. Time in UTC.
Format: `YYYY`-`MM`-`DD`T`HH`:`MM`:`SS`.`mmm`Z
    Example: 2023-08-21T12:34:56.456Z

  - `data.resource.previous_instructing_agents` (array)
    List of previous instructing agents in the payment chain, ordered from first to last.

  - `data.resource.previous_instructing_agents.bic` (any)
    Example: SAMPUS33

  - `data.resource.previous_instructing_agents.name` (string)
    Bank or financial institution name.

  - `data.resource.previous_instructing_agents.lei` (string)
    Legal Entity Identifier (LEI).

  - `data.resource.previous_instructing_agents.clearing_system_code` (string)
    Code identifying the clearing system in which the institution is registered.

  - `data.resource.previous_instructing_agents.clearing_system_member_id` (string)
    Identifier within the clearing system specified by `clearing_system_code`.

  - `data.resource.previous_instructing_agents.address` (object)
    Structured address details.

  - `data.resource.previous_instructing_agents.address.first_line` (string)
    Address lines concatenated into a single line. Use `address_lines` instead.

  - `data.resource.previous_instructing_agents.address.address_lines` (array)
    Unstructured address lines.
    Example: ["6 Evergreen Ave","Brussels"]

  - `data.resource.previous_instructing_agents.address.street_name` (string)
    Street name.
    Example: Evergreen Ave

  - `data.resource.previous_instructing_agents.address.building_number` (string)
    Building number.
    Example: 6

  - `data.resource.previous_instructing_agents.address.town_name` (string)
    Town (city) name.
    Example: BRUSSELS

  - `data.resource.previous_instructing_agents.address.postal_code` (string)
    Postal code.
    Example: 1000

  - `data.resource.previous_instructing_agents.address.country_sub_division` (string)
    Country subdivision such as a state, province, or region.

  - `data.resource.previous_instructing_agents.address.country_code` (string)
    Country code. 2-letter ISO country code.
    Example: BE

  - `data.resource.incoming_transfer_type` (string, required)
    Type of incoming SWIFT credit transfer.
`CUSTOMER_CREDIT_TRANSFER` identifies a pacs.008 customer credit transfer.
`FINANCIAL_INSTITUTION_CREDIT_TRANSFER` identifies a pacs.009 financial institution credit transfer. The recipient or sender may be a financial institution rather than a customer, so account number may not be present.
    Enum: "CUSTOMER_CREDIT_TRANSFER", "FINANCIAL_INSTITUTION_CREDIT_TRANSFER"

  - `data.occurred_at` (string, required)
    Date and time at which the amount was credited to the balance account. Time in UTC.
Format: `YYYY`-`MM`-`DD`T`HH`:`MM`:`SS`.`mmm`Z
    Example: 2023-08-21T12:34:56.789Z

  - `subscription_id` (string)
    ID of the webhook subscription that triggered this event
    Example: 01234567-89ab-cdef-0123-456789abcdef

  - `sent_at` (string)
    Timestamp when the event was sent
    Example: 2023-08-21T12:34:58Z

## Response 200:

  - `200` (unknown)
    Return any `2xx` status to acknowledge receipt of the event.

## Response 200 fields (application/json):

  - `status` (string)
    Example: ok