Momen Payment API

Webhooks

Verify signatures, handle retries, and process payment link events.

Webhooks

Momen sends events to the URL you configure under Settings → Developer. You do not call Momen for these — Momen calls you.

Headers

HeaderMeaning
X-Momen-TimestampUnix timestamp in seconds, when Momen sent the delivery
X-Momen-SignatureLowercase hex HMAC-SHA256 digest

The signature is computed over the timestamp and the raw request body, joined by a period, keyed with your webhook token (whsec_…):

signature = HMAC_SHA256(
  key     = whsec_your_token,
  message = "{timestamp}.{raw_request_body}"
)

Verify before trusting the payload

  1. Reject the request if X-Momen-Timestamp is more than 5 minutes from your own clock (blocks replayed deliveries).
  2. Recompute the signature over the raw body, exactly as received. Parsing and re-encoding JSON changes the bytes and the signature will not match.
  3. Compare using a constant-time function (hash_equals in PHP, crypto.timingSafeEqual in Node, hmac.compare_digest in Python).

Verification snippets

<?php

use Illuminate\Http\Request;
use Illuminate\Support\Facades\Abort;

function verifyMomenWebhook(Request $request, string $webhookToken): string
{
    $timestamp = $request->header('X-Momen-Timestamp');
    $signature = $request->header('X-Momen-Signature');

    if (! is_string($timestamp) || ! is_string($signature)) {
        abort(400, 'Missing signature headers');
    }

    if (abs(time() - (int) $timestamp) > 300) {
        abort(400, 'Timestamp too old');
    }

    $payload = $request->getContent();
    $expected = hash_hmac('sha256', $timestamp.'.'.$payload, $webhookToken);

    if (! hash_equals($expected, $signature)) {
        abort(400, 'Invalid signature');
    }

    return $payload;
}

A small Node script in this repo (npm run verify:webhooks) proves the PHP and Node algorithms against a fixed sample.

Responding

Return any 2xx once you have stored the event. Momen treats anything else as a failure and retries.

Respond before doing slow work. Deliveries time out after 10 seconds.

Retries

Failed deliveries are retried up to 5 times with increasing delays:

  1. 1 minute
  2. 5 minutes
  3. 30 minutes
  4. 2 hours
  5. 6 hours

After the fifth attempt the event is marked failed and can be resent by hand from Settings → Developer → Events.

Ordering and duplicates

Deliveries are not guaranteed to arrive in order, and may arrive more than once.

Make your handler idempotent: key on event_id, and ignore an event whose created_at is older than the state you have already recorded.

Event types

EventSent when
payment_link.succeededA payer completes payment
payment_link.expiredA link passes its expiry unpaid
payment_link.canceledA link is cancelled

Example: payment_link.succeeded

{
  "event_id": "evt_01J8Z3K9QWERTY",
  "event_type": "payment_link.succeeded",
  "created_at": "2026-09-15T03:30:00Z",
  "data": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "reference_id": "ORDER-2026-1042",
    "status": "succeeded",
    "amount": 150000,
    "fee": {
      "total": 4000,
      "transaction": 4000,
      "instant_settlement": 0,
      "paid_by": "client"
    },
    "payer_amount": 154000,
    "net_amount": 150000,
    "payment_method": "VA_BRI",
    "paid_at": "2026-09-15T03:29:41Z",
    "settle_at": "2026-09-17T03:29:41Z"
  }
}

Example: payment_link.expired

{
  "event_id": "evt_01J8Z4M2ASDFGH",
  "event_type": "payment_link.expired",
  "created_at": "2026-09-20T17:00:03Z",
  "data": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "reference_id": "ORDER-2026-1042",
    "status": "expired",
    "amount": 150000
  }
}

See the generated Webhook: payment link events page for the full schema.

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