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Monigo sends webhooks to your server when important events occur — invoice paid, payout completed, customer wallet topped up, usage period stats, and more.

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Setting up a webhook endpoint

  1. Go to Dashboard → Webhooks → Add Endpoint
  2. Enter your HTTPS URL
  3. Select the event types you want to receive
  4. Copy the signing secret

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Verifying webhook signatures

Every Monigo webhook includes a X-Monigo-Signature header. Verify it before processing the request. 
import { createHmac, timingSafeEqual } from 'crypto';

function verifyWebhook(payload: string, signature: string, secret: string): boolean {
  const expected = createHmac('sha256', secret)
    .update(payload)
    .digest('hex');
  return timingSafeEqual(
    Buffer.from(signature),
    Buffer.from(`sha256=${expected}`)
  );
}

// In your handler:
app.post('/webhooks/monigo', express.raw({ type: 'application/json' }), (req, res) => {
  const sig = req.headers['x-monigo-signature'] as string;
  if (!verifyWebhook(req.body.toString(), sig, process.env.MONIGO_WEBHOOK_SECRET!)) {
    return res.status(401).send('Invalid signature');
  }
  const event = JSON.parse(req.body);
  // handle event...
  res.status(200).send('ok');
});

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Event types

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Payment

EventDescription
payment.successA payment transaction succeeded
payment.failedA payment transaction failed
payout.successA payout transfer completed successfully
payout.failedA payout transfer failed
payout.reversedA payout transfer was reversed

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Invoice

EventDescription
invoice.finalizedAn invoice was finalized (moved from draft to finalized)
invoice.paidAn invoice was marked as paid after a successful payment
invoice.voidedAn invoice was voided

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Customer

EventDescription
customer.wallet.topped_upA customer’s wallet was credited
customer.payment_method.expiredA customer’s payment method has expired
customer.payment_method.expiring_soonA customer’s payment method is expiring within 30 days

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Usage — org level

Fired once per organization per period (daily at 08:00 UTC, weekly on Mondays, monthly on the 1st).
EventDescription
usage.dailyYesterday’s event ingestion stats for the org
usage.weeklyLast 7 days’ event ingestion stats for the org
usage.monthlyLast calendar month’s event ingestion stats for the org

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Usage — per customer

Fired once per customer that had non-zero activity in the period. Sent at the same time as the org-level events.
EventDescription
customer.usage.dailyYesterday’s event count for a single customer
customer.usage.weeklyLast 7 days’ event count for a single customer
customer.usage.monthlyLast calendar month’s event count for a single customer

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Subscription

EventDescription
subscription.suspendedA subscription was suspended after dunning retries were exhausted
subscription.usage_cap_reachedA customer’s usage crossed the included-units threshold on an overage or cap-priced plan

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Event payload reference

All webhooks are delivered as POST requests with Content-Type: application/json. The body is a JSON object whose shape depends on the event type.

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payment.success / payment.failed

The payload mirrors the raw event received from your payment provider (Paystack, Flutterwave, or Monnify). 
{
  "event": "charge.success",
  "data": {
    "reference": "pay_abc123",
    "amount": 500000,
    "currency": "NGN"
  }
}

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payout.success / payout.failed / payout.reversed

The payload mirrors the raw payout event from your payment provider.

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invoice.finalized

{
  "invoice_id": "01924f1e-...",
  "customer_id": "01924f1e-...",
  "subscription_id": "01924f1e-...",
  "amount": "5000.000000",
  "currency": "NGN",
  "period_start": "2026-02-01T00:00:00Z",
  "period_end": "2026-03-01T00:00:00Z"
}

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invoice.paid

{
  "invoice_id": "01924f1e-...",
  "customer_id": "01924f1e-...",
  "subscription_id": "01924f1e-...",
  "amount": "5000.000000",
  "currency": "NGN",
  "period_start": "2026-02-01T00:00:00Z",
  "period_end": "2026-03-01T00:00:00Z",
  "paid_at": "2026-02-14T10:32:00Z"
}

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invoice.voided

{
  "invoice_id": "01924f1e-...",
  "customer_id": "01924f1e-...",
  "subscription_id": "01924f1e-...",
  "amount": "5000.000000",
  "currency": "NGN",
  "period_start": "2026-02-01T00:00:00Z",
  "period_end": "2026-03-01T00:00:00Z"
}

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customer.wallet.topped_up

{
  "customer_id": "01924f1e-...",
  "wallet_id": "01924f1e-...",
  "amount": "10000.000000",
  "currency": "NGN",
  "entry_type": "deposit",
  "balance_after": "25000.000000"
}

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customer.payment_method.expired / customer.payment_method.expiring_soon

{
  "customer_id": "01924f1e-...",
  "payment_method_id": "01924f1e-...",
  "last4": "4242",
  "exp_month": 2,
  "exp_year": 2026,
  "card_type": "visa"
}

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usage.daily

{
  "period": "Feb 13, 2026",
  "events_yesterday": 14823,
  "events_mtd": 198450,
  "active_customers": 312
}

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usage.weekly

{
  "period": "2026-02-07/2026-02-14",
  "events_count": 98210,
  "active_customers": 540
}

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usage.monthly

{
  "period": "2026-01",
  "events_count": 1842300,
  "active_customers": 1204
}

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customer.usage.daily / customer.usage.weekly / customer.usage.monthly

{
  "customer_id": "01924f1e-...",
  "period": "Feb 13, 2026",
  "events_count": 423
}

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subscription.suspended

{
  "customer_id": "01924f1e-...",
  "customer_name": "Acme Corp",
  "subscription_id": "01924f1e-...",
  "invoice_id": "01924f1e-...",
  "amount": "5000.000000",
  "currency": "NGN"
}

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subscription.usage_cap_reached

Fired the first time a customer’s usage crosses the included_units threshold on an overage or cap-priced plan within the current billing period. Fires at most once per subscription per billing period. 
{
  "subscription_id": "01924f1e-...",
  "customer_id": "01924f1e-...",
  "plan_id": "01924f1e-...",
  "metric_id": "01924f1e-...",
  "pricing_model": "overage",
  "included_units": 10000,
  "current_usage": 10247,
  "period_start": "2026-02-01T00:00:00Z",
  "period_end": "2026-03-01T00:00:00Z"
}

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Retries

If your endpoint returns a non-2xx status, Monigo retries up to 5 times with exponential backoff:
AttemptDelay
1st retry30 seconds
2nd retry5 minutes
3rd retry30 minutes
4th retry2 hours
5th retry8 hours
After 5 failed attempts, the delivery is marked as failed and no further retries occur. You can manually retry from the dashboard.

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Testing webhooks locally

use a tunnelling tool like ngrok and register the public URL in your dashboard.