Webhooks

Webhooks enable real-time event notifications, allowing you to integrate external systems with Exa.

Setting up webhooks

A default endpoint can be configured and optionally an endpoint for each of the 5 event types:

Transaction created
Transaction updated
Transaction completed
User updated
Card updated

Webhook security and signing

Each webhook request is signed using an HMAC SHA256 signature, based on the exact JSON payload sent in the body. This signature is included in the Signature HTTP header of the request.

You can verify webhook authenticity by computing the HMAC signature and comparing it to the Signature header included in the webhook request.

Example: Verifying a webhook signature (Node.js)

import { createHmac } from "crypto";

const signature = createHmac("sha256", <YOUR_API_KEY>)
  .update(<REQUEST_BODY_AS_JSON_STRING>) // JSON.stringify(payload)
  .digest("hex");

Ensure that the computed signature matches the Signature header received in the webhook request before processing the payload.

Retry policy and timeout

An exponential backoff with 20 retries and 60 second timeout is used. Retries occur if the request returns an http status code other than 2xx or times out.

Retry Count	Delay (ms)	Delay (seconds)	Delay (minutes)
0	500	0.5s	-
1	1,000	1s	-
2	2,000	2s	-
3	4,000	4s	-
4	8,000	8s	-
5	16,000	16s	-
…
16	32,768,000	32768s	~546.1min
17	65,536,000	65536s	~1092.3min
18	131,072,000	131072s	~2184.5min
19	262,144,000	262144s	~4369.1min

Webhook flows

There are 5 different types of flow that uses different events which details are in the Event reference section:

Purchase lifecycle with settlement
Partial capture
Over capture
Force capture
Refund

Purchase lifecycle with settlement

This example demonstrates a complete transaction lifecycle through webhook notifications, showing how a transaction progresses from initial transaction created to final settlement with an amount adjustment.

sequenceDiagram
    participant Merchant
    participant Exa
    participant Blockchain
    participant Uphold


    Merchant->>Exa: auth request ($100)
    activate Exa
    
    Exa->>Blockchain: simulate collect ($100)
    activate Blockchain
    Note over Blockchain: total collect simulation ($100)
    Blockchain-->>Exa: simulation OK
    deactivate Blockchain
    Exa-->>Merchant: auth approved

    Exa->>Blockchain: collect ($100)
    activate Blockchain
    Note over Blockchain: total collect ($100)
    Blockchain-->>Exa: Transaction hash
    deactivate Blockchain

    deactivate Exa
    
    Exa->>Uphold: transaction.created webhook ($100)
    activate Uphold
    Uphold-->>Exa: webhook acknowledged
    deactivate Uphold

    Note over Merchant,Uphold: Time passes (usually same day)


    Merchant->>Exa: reversal request (-20)
    activate Exa
    
    Exa->>Blockchain: Refund ($20)
    activate Blockchain
    Note over Blockchain: Refund
    Blockchain-->>Exa: Transaction hash
    deactivate Blockchain
    Exa-->>Merchant: reversal approved

    Exa->>Uphold: webhook transaction.updated (-20)
    activate Uphold
    Uphold-->>Exa: webhook acknowledged
    deactivate Uphold

    deactivate Exa
    Note over Merchant,Uphold: Time passes (usually 3 business days)

    Exa->>Uphold: webhook transaction.completed (80)
    activate Uphold
    Uphold-->>Exa: webhook acknowledged
    deactivate Uphold

Transaction Created

Transaction authorized and created with timestamp, for $100.00 amount.

{
  "id": "99493687-78c1-4018-8831-d8b1f66f58e2",
  "timestamp": "2025-08-13T14:36:04.586Z",
  "resource": "transaction",
  "action": "created",
  "receipt": {
    "blockNumber": 97,
    "transactionHash": "0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db",
  },
  "body": {
    "id": "bdc87700-bf6d-4d7d-ac29-3effb06e3000",
    "type": "spend",
    "spend": {
      "amount": 10000,
      "currency": "usd",
      "cardId": "e874583f-47d9-4211-8ea6-3b92e450821b",
      "localAmount": 10000,
      "localCurrency": "usd",
      "merchantCity": "",
      "merchantCountry": "",
      "merchantCategory": "-",
      "merchantName": "Test",
      "authorizedAt": "2025-06-25T15:24:11.337Z",
      "authorizedAmount": 10000,
      "status": "pending"
    }
  }
}

Transaction Updated

Amount adjusted from $100.00 to $80.00 with status “reversed” and authorizationUpdateAmount of -$20.00 Note that this is a reversal, 1 of the 3 types of refunds.

{
  "id": "e7b2853e-4bb7-4428-8dc2-27e604766dfa",
  "timestamp": "2025-08-12T20:08:37.707Z",
  "resource": "transaction",
  "action": "updated",
  "receipt": {
    "blockNumber": 98,
    "transactionHash": "0x8c6ef90db7901c43018b3b079ac5ccf84e9c1eb2aaf0fd5f1f8b3e2b97d25fa3",
  },
  "body": {
    "id": "bdc87700-bf6d-4d7d-ac29-3effb06e3000",
    "type": "spend",
    "spend": {
      "amount": 8000,
      "currency": "usd",
      "cardId": "e874583f-47d9-4211-8ea6-3b92e450821b",
      "localAmount": 8000,
      "localCurrency": "usd",
      "merchantCity": "",
      "merchantCountry": "",
      "merchantCategory": "-",
      "merchantName": "Test",
      "authorizedAt": "2025-06-25T15:24:11.337Z",
      "authorizedAmount": 8000,
      "authorizationUpdateAmount": -2000,
      "status": "reversed",
      "enrichedMerchantName": "Test",
      "enrichedMerchantCategory": "Education"
    }
  }
}

Transaction Completed

Final settlement at $80.00 with status “completed”.

{
  "id": "662eb701-f9ac-4baa-9f86-b341a730c98a",
  "timestamp": "2025-08-12T20:23:20.662Z",
  "resource": "transaction",
  "action": "completed",
  "body": {
    "id": "bdc87700-bf6d-4d7d-ac29-3effb06e3000",
    "type": "spend",
    "spend": {
      "amount": 8000,
      "currency": "usd",
      "cardId": "e874583f-47d9-4211-8ea6-3b92e450821b",
      "localAmount": 8000,
      "localCurrency": "usd",
      "merchantCity": "",
      "merchantCountry": "",
      "merchantCategory": "",
      "merchantName": "Test",
      "authorizedAt": "2025-06-25T15:24:11.337Z",
      "authorizedAmount": 8000,
      "status": "completed",
      "enrichedMerchantName": "Test",
      "enrichedMerchantCategory": "Education"
    }
  }
}

Partial capture flow

In a partial capture, the merchant settles for less than the authorized amount. After receiving the transaction completed webhook, the over authorized and captured funds are released to the user. This flow is common in restaurants, where the final charge may be lower than the original authorization after accounting for tips.

Transaction Created

Transaction authorized and created with timestamp for $100.00 amount.

{
  "id": "99493687-78c1-4018-8831-d8b1f66f58e2",
  "timestamp": "2025-08-13T16:37:08.862Z",
  "resource": "transaction",
  "action": "created",
  "receipt": {
    "blockNumber": 108,
    "transactionHash": "0x59be2972d1094e6abc14f595b71ed4e9e6ec4e2cd8d61e292f6debcba37e19b4",
  },
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": 10000,
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": 10000,
      "localCurrency": "usd",
      "merchantCity": "",
      "merchantCountry": "",
      "merchantCategory": "-",
      "merchantName": "Test",
      "authorizedAt": "2025-06-25T15:24:11.337Z",
      "authorizedAmount": 10000,
      "status": "pending"
    }
  }
}

Transaction Completed

Final settlement at $90.00 with status “completed” and timestamp. The final amount is $90 and previously $100 was authorized and captured to the user so $10 is refunded. This is one of the 3 types of refunds.

{
  "id": "a79306b2-bbbc-4511-9e58-ca9fbc9a2d9a",
  "timestamp": "2025-08-13T16:42:28.955Z",
  "resource": "transaction",
  "action": "completed",
  "receipt": {
    "blockNumber": 109,
    "transactionHash": "0xd3b27341a97f4621865d896713a82be4099c5e0ad18782fb134fa33a77bba937",
  },
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": 9000, // notice the partial capture
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": 9000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "5511",
      "merchantName": "PartialCapture Example",
      "authorizedAt": "2025-07-03T18:40:28.024Z",
      "authorizedAmount": 10000,
      "status": "completed",
      "enrichedMerchantName": "Partial capture Example",
      "enrichedMerchantCategory": "Business - Software"
    }
  }
}

Over Capture

In an over capture, the merchant settles for more than the originally authorized amount. This flow is typically used in scenarios that involve tips or additional surcharges, such as dining or hospitality. Certain industries, like restaurants and bars, are allowed to settle for more than the authorized amount—typically up to 20%—to accommodate tips and similar charges.

Transaction Created

Transaction authorized and created with timestamp for $100.00 amount.

{
  "id": "9d96c8c9-d10f-4d3a-90b9-978eca13ae2a",
  "timestamp": "2025-08-13T16:53:21.455Z",
  "resource": "transaction",
  "action": "created",
  "receipt": {
    "blockNumber": 300,
    "transactionHash": "0x7faf9d14fde333a946c27f9e173c2d640ef3b4fbafc7e75d2a8a4b8743efb001",
  },
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": 10000,
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": 10000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "5812 - Restaurant",
      "merchantName": "OverCapture Example",
      "authorizedAt": "2025-07-03T18:53:49.958Z",
      "authorizedAmount": 10000,
      "status": "pending"
    }
  }
}

Transaction Completed

Final settlement at $110.00 with status “completed” and timestamp. Note that the final amount is 110 but 100 was authorized and captured so capturing an extra $10 to the user is needed.

{
  "id": "593b0673-82ba-457b-afce-1cbd725f9e3c",
  "timestamp": "2025-08-13T16:55:11.934Z",
  "resource": "transaction",
  "action": "completed",
  "receipt": {
    "blockNumber": 499,
    "transactionHash": "0x2d3a8b61a94f5f36b0d64f3e6a7c5e1bb7eeba6004cd3f1dc7c02b265aec7b02",
  },
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": 11000, // notice the increase in the amount of settlement
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": 11000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "Restaurant",
      "merchantName": "OverCapture Example",
      "authorizedAt": "2025-07-03T18:53:49.958Z",
      "authorizedAmount": 10000,
      "status": "completed",
      "enrichedMerchantName": "Over Capture Example",
      "enrichedMerchantCategory": "Restaurants"
    }
  }
}

Force Capture

A force capture occurs when a merchant settles a transaction without prior authorization. These transactions bypass the authorization phase and proceed directly to settlement. This flow is typically used in offline scenarios, such as in-flight purchases where the merchant does not have internet access.

Transaction completed

{
  "id": "593b0673-82ba-457b-afce-1cbd725f9e3c",
  "timestamp": "2025-08-13T17:00:08.061Z",
  "resource": "transaction",
  "action": "completed",
  "receipt": {
    "blockNumber": 97,
    "transactionHash": "0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db",
  },
  "body": {
    "id": "0x8eFc15407B97a28a537d105AB28fB442324CC2ee-card",
    "type": "spend",
    "spend": {
      "amount": 11000,
      "currency": "usd",
      "cardId": "0x8eFc15407B97a28a537d105AB28fB442324CC2ee-card",
      "localAmount": 11000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "Restaurant",
      "merchantName": "OverCapture Example",
      "authorizedAt": "2025-07-03T18:53:49.958Z",
      "authorizedAmount": 10000,
      "status": "completed",
      "enrichedMerchantName": "Over Capture Example",
      "enrichedMerchantCategory": "Restaurants"
    }
  }
}

Refund

Refunds are treated as negative transactions and may or may not reference the original transaction completed. Unlike reversals, refunds can be initiated independently of the original transaction and may occur well after the initial settlement.

Transaction created

The webhook is only for informational purpose, Exa does not return funds to the user with this event, is just to notify that a proper refund is coming and do sanity checks.

{
  "id": "a2684ac7-13bc-4b0e-ab4d-5a2ac036218a",
  "timestamp": "2025-08-13T17:08:50.609Z",
  "resource": "transaction",
  "action": "created",
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": -10000,
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": -10000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "5641 - Children's and Infant's Wear Store",
      "merchantName": "Test Refund",
      "authorizedAt": "2025-07-03T19:52:59.806Z",
      "authorizedAmount": -10000,
      "status": "pending"
    }
  }
}

Transaction Completed

Final settlement of -$100.00 with status “completed” and timestamp. Refund $100 to the user.

{
  "id": "77474a56-51eb-4918-b09e-73cf20077b1b",
  "timestamp": "2025-08-13T17:12:48.858Z",
  "resource": "transaction",
  "action": "completed",
  "receipt": {
    "blockNumber": 97,
    "transactionHash": "0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db",
  },
  "body": {
    "id": "be67eeb7-294a-42d9-b337-77bfad198aad",
    "type": "spend",
    "spend": {
      "amount": -10000,
      "currency": "usd",
      "cardId": "827c3893-d7c8-46d4-a518-744b016555bc",
      "localAmount": -10000,
      "localCurrency": "usd",
      "merchantCity": "New York",
      "merchantCountry": "US",
      "merchantCategory": "Children's and Infant's Wear Store",
      "merchantName": "Test Refund",
      "authorizedAt": "2025-07-03T19:52:59.806Z",
      "authorizedAmount": -10000,
      "status": "completed",
      "enrichedMerchantName": "Test Refund",
      "enrichedMerchantCategory": "Refunds - Insufficient Funds"
    }
  }
}

Refunds

There are 3 types of operations that return funds to the user: reversal, partial capture, and refund.

Reversal

This occurs when the user calls an uber, for example. Authorizes $30 but then the travel is cancelled, so exa instantly return the funds to the user in a $30 reversal. This happens before the settlement and can happen many times. Timing: reversals are usually during the same day.

Partial capture

This happens when a transaction enters a terminal state, which means no more reversals or other event types are allowed. This is the last event. If the authorized amount is higher than the final amount, funds need to be returned to the user. This looks pretty much like a reversal but also signals to the user that no more assets will be requested or returned as part of the purchase flow. Timing: usually 2 or 3 business days after swiping the card.

Refund

Refunds come after the purchase enters a terminal state and could be associated with the purchase or not. That is not guaranteed, but if it is not the same, using the merchant name to link is suggested. Timing: more than a week.

Operation	Display	Time
reversal	purchase details	same day
partial	purchase details	2 or 3 business day
refunds	activity	weeks

Event reference

Transaction created event

The transaction created webhook is sent when the transaction flow is created, whether it has been authorized or declined. You must persist this information. This event initiates the purchase lifecycle in case of pending, then could exist many intermediate state changes done by transaction update event and finally the transaction complete event sets the purchase in terminal state. No more events coming except of a refund which transaction id could be the same as the original purchase or not. The onchain receipt will be present only if a onchain transaction is necessary.

field	type	description	example
id	string	webhookId and always the same when retry	372d1a76-8a57-403e-a7f3-ac3231be144c
timestamp	string	Time when sent the event. Always the same when retry	2025-08-06T20:29:23.870Z
resource	”transaction”		transaction
action	”created”		created
receipt?.blockNumber	number	onchain transaction block number	97
receipt?.transactionHash	string	Transaction hash	0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db
body.id	string	Transaction id. Is the same for many events in the life cycle of the purchase	f1083e93-afd5-4271-85c6-dd47099e9746
body.type	”spend”		spend
body.spend.amount	integer	Amount of the purchase in USD in cents. 1 USD = 100	100
body.spend.currency	string	Always in usd	usd
body.spend.cardId	string		47c3c3b3-b197-4a97-ace3-901a6ad7cf61
body.spend.localAmount	integer	Purchase amount in local currency	100
body.spend.localCurrency	string	The local currency	usd, eur, ars
body.spend.merchantCity?	string	The merchant city	”San Francisco”
body.spend.merchantCountry?	string	The merchant country	”US”
body.spend.merchantCategory?	string	The merchant category	”5814 - Quick Payment Service-Fast Food Restaurants”
body.spend.merchantName	string	The merchant name	SQ *BLUE BOTTLE COFFEE
body.spend.merchantId?	string	Id of the merchant	550e8400-e29b-41d4-a716-446655440000
body.spend.authorizedAt	string	Time when purchase was authorized in ISO 8601	2025-08-06T20:29:23.288Z
body.spend.authorizedAmount	integer	The authorized amount	100
body.spend.status	”pending” \| “declined”	Can be pending or declined. In case of declined, the field `declinedReason` has the reason	pending
body.spend.declinedReason?	string	Decline message	webhook declined

Transaction updated event

This webhook is sent whenever a transaction is updated. Note that the transaction may not have been created before this update. Triggered for events such as incremental authorizations or reversals (a type of refund).

field	type	description	example
id	string	webhook id and always the same when retry	e972a2b0-a990-47af-b460-500ff75fbf65
timestamp	string	time when the event was triggered in ISO 8601 format	2025-08-11T15:30:39.939Z
resource	”transaction”		transaction
action	”updated”		updated
receipt.blockNumber	number	onchain transaction block number	97
receipt.transactionHash	string	Transaction hash	0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db
body.id	string	transaction id. the same in the life cycle of the purchase	96fbeb61-b4b0-59ab-93e0-2f2afce7637c
body.type	”spend”		spend
body.spend.amount	number	amount in usd authorized	2499
body.spend.currency	string	always dollars	usd
body.spend.cardId	string	card identifier	e874583f-47d9-4211-8ea6-3b92e450821b
body.spend.localAmount	number	amount in local currency authorized	2499
body.spend.localCurrency	string	currency of the purchase	usd
body.spend.merchantCity?	string	city of the merchant	SAN FRANCISCO
body.spend.merchantCountry?	string	country of the merchant	US
body.spend.merchantCategory?	string	category of the merchant	4121 - Taxicabs and Limousines
body.spend.merchantId?	string	Id of the merchant	550e8400-e29b-41d4-a716-446655440000
body.spend.merchantName	string	name of the merchant	UBER *TRIP
body.spend.authorizedAt	string	time when purchase was authorized in ISO 8601	2025-08-10T04:28:39.547Z
body.spend.authorizedAmount	number	amount authorized	2499
body.spend.authorizationUpdateAmount	number	amount difference authorized. it can be positive in case of status pending or negative if is a reversal. will be declined if was not possible to authorize the increment or decrement of the authorization	726
body.spend.status	”pending” \| “reversed” \| “declined”	current status of the transaction	pending
body.spend.enrichedMerchantIcon?	string	url of the enriched merchant icon	https://storage.googleapis.com/heron-merchant-assets/icons/mrc_Syjxck7oqeRQxzHAjc9XrD.png
body.spend.enrichedMerchantName?	string	name of the enriched merchant	Uber
body.spend.enrichedMerchantCategory?	string	category of the enriched merchant	Transport - Rides

Transaction completed event

This webhook is sent whenever a transaction reaches a final state. Note that the transaction may not have been created before this update. The receipt exist only if an onchain transaction is necessary.

field	type	description	example
id	string	webhook id and always the same when retry	662eb701-f9ac-4baa-9f86-b341a730c6dc
timestamp	string	time when the event was triggered in ISO 8601 format	2025-08-12T18:29:20.499Z
resource	”transaction”		transaction
action	”completed”		completed
receipt?.blockNumber	number	onchain transaction block number.	97
receipt?.transactionHash	string	Transaction hash	0xb0af3b716fc47e18519a74858690a8b428d9a5ac9c5537d08314443a5b1501db
body.id	string	Is the Transaction id and is the same in the life cycle of the purchase. With refunds could be different from the original purchase.	96fbeb61-b4b0-59ab-93e0-2f2afce7637c
body.type	”spend”		spend
body.spend.amount	number	final settled amount in usd	1041
body.spend.currency	string	always dollars	usd
body.spend.cardId	string	card identifier	e874583f-47d9-4211-8ea6-3b92e450821b
body.spend.localAmount	number	final settled amount in local currency	1270000
body.spend.localCurrency	string	currency of the purchase	ars
body.spend.merchantCity?	string	city of the merchant	CAP.FEDERAL
body.spend.merchantCountry?	string	country of the merchant	AR
body.spend.merchantCategory?	string	category of the merchant	Recreation Services
body.spend.merchantName	string	name of the merchant	JOCKEY CLUB
body.spend.merchantId?	string	Id of the merchant	550e8400-e29b-41d4-a716-446655440000
body.spend.authorizedAt	string	time when purchase was authorized in ISO 8601	2025-08-08T17:55:14.312Z
body.spend.authorizedAmount	number	original authorized amount	1035
body.spend.status	”completed”	final status of the transaction	completed
body.spend.enrichedMerchantIcon?	string	url of the enriched merchant icon	https://storage.googleapis.com/heron-merchant-assets/icons/mrc_BqxmeYFvJmCprexvXUDF7h.png
body.spend.enrichedMerchantName?	string	name of the enriched merchant	Jockey
body.spend.enrichedMerchantCategory?	string	category of the enriched merchant	Shopping

User updated

This webhook is sent whenever a user’s compliance status is updated. No response is required.

field	type	description	example
id	string	webhook id and always the same when retry	bdc87700-bf6d-4d7d-ac29-3effb06e3000
timestamp	string	time when the event was triggered in ISO 8601 format	2025-08-12T19:16:56.709Z
resource	”user”		user
action	”updated”		updated
body.credentialId	string	credential id	0xE18847D2f02cE2800C07c5b42e66c819eC78d35f
body.applicationReason	string	reason for application status	COMPROMISED_PERSONS, PEP
body.applicationStatus	”approved” \| “pending” \| “needsInformation” \| “needsVerification” \| “manualReview” \| “denied” \| “locked” \| “canceled”	current status of the application	pending
body.isActive	boolean	whether the user is active	true

Card updated

This webhook is currently triggered when a user adds their card to a digital wallet.

field	type	description	example
id	string	webhook id and always the same when retry	31740000-bd68-40c8-a400-5a0131f58800
timestamp	string	time when the event was triggered in ISO 8601 format	2025-08-12T18:47:33.687Z
resource	”card”		card
action	”updated”		updated
body.id	string	card identifier	e874583f-47d9-4211-8ea6-3b92e450821b
body.last4	string	last 4 digits of the card	7392
body.limit.amount	number	spending limit amount	1000000
body.limit.frequency	”per24HourPeriod” \| “per7DayPeriod” \|“per30DayPeriod” \|“perYearPeriod”	frequency of the spending limit	per7DayPeriod
body.status	”notActivated” \| “active” \| “locked” \| “canceled”	current status of the card	active
body.tokenWallets	[“Apple”] \| [“Google Pay”]	array of token wallets	[“Apple”]