user.updated

​

v1.1.0

minor update

statusChangeReason field added

Field	Type	Description
statusChangeReason	string (optional)	Why the user’s status changed. The only value currently emitted is rain_initiated (the change was made internally by Rain).

​

2026-07-31

added the tosNotAccepted application status

New application status: tosNotAccepted

body.applicationStatus can now be tosNotAccepted: the user passed identity verification, but hasn’t accepted the program’s terms yet. The payload shape is unchanged, and body.applicationCompletionLink is present so you can send the user to accept. Once they accept, a follow-up webhook reports the transition to approved.

Status	Description
tosNotAccepted	Identity verification passed; card terms acceptance pending

Example Payload (TOS Not Accepted)

{
    "id": "d4e5f6a7-b8c9-0123-def0-b12345678903",
    "resource": "user",
    "action": "updated",
    "version": "1.0.0",
    "eventReceivedAt": "2026-07-31T15:30:00.000Z",
    "body": {
        "id": "user_abc123",
        "firstName": "John",
        "lastName": "Doe",
        "email": "[e-mail]",
        "isActive": true,
        "applicationStatus": "tosNotAccepted",
        "applicationCompletionLink": {
            "url": "https://kyc.example.com/kyc",
            "params": {
                "userId": "user_abc123",
                "signature": "abc123signature"
            }
        },
        "applicationReason": ""
    }
}

​

v1.0.0

initial release

user.updated webhook

Added the user.updated webhook. Rain triggers this webhook when a user’s compliance/application status changes, such as when a KYC application is approved, denied, or requires additional information.

Payload Fields

Field	Type	Description
id	string	Webhook ID
resource	string	Always "user"
action	string	Always "updated"
version	string	The webhook version
eventReceivedAt	string (optional)	ISO 8601 timestamp of when the event was received by Rain
body.id	string	The user ID
body.firstName	string	User’s first name
body.lastName	string (optional)	User’s last name
body.email	string	User’s email
body.isActive	boolean	Whether the user is active
body.isTermsOfServiceAccepted	boolean	Whether the user has accepted the terms of service
body.companyId	string (optional)	Company ID (for corporate users)
body.applicationStatus	string	Current application/compliance status (see values below)
body.applicationCompletionLink	object (optional)	Link for the user to complete their application
body.applicationCompletionLink.url	string	The URL to complete the application
body.applicationCompletionLink.params.userId	string	The user ID parameter
body.applicationCompletionLink.params.signature	string (optional)	Signature parameter for verification
body.applicationExternalVerificationLink	object (optional)	Deprecated in favor of applicationCompletionLink
body.applicationReason	string	Comma-separated rejection labels from the compliance provider (empty string when no rejections)
body.statusChangeReason	string (optional)	Indicates the source of the user status change. Present only when a specific reason is recorded. See values below.

Application Status Values

Status	Description
approved	Application has been approved
pending	Application is pending review
needsInformation	Additional information is required from the user
needsVerification	Additional verification is required
manualReview	Application is under manual review
denied	Application has been denied
locked	User account is locked
canceled	Application has been canceled
notStarted	Application has not been started
exempt	Application has been exempted from standard compliance processing

Status Change Reason Values

Value	Description
rain_initiated	Rain initiated the status change.

Example Payload (Approved)

{
    "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "resource": "user",
    "action": "updated",
    "version": "1.0.0",
    "eventReceivedAt": "2026-01-27T15:30:00.000Z",
    "body": {
        "id": "user_abc123",
        "firstName": "John",
        "lastName": "Doe",
        "email": "[e-mail]",
        "isActive": true,
        "isTermsOfServiceAccepted": true,
        "companyId": "company_456",
        "applicationStatus": "approved",
        "applicationReason": ""
    }
}

Example Payload (Needs Information)

{
    "id": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
    "resource": "user",
    "action": "updated",
    "version": "1.0.0",
    "eventReceivedAt": "2026-01-27T15:30:00.000Z",
    "body": {
        "id": "user_abc123",
        "firstName": "John",
        "lastName": "Doe",
        "email": "[e-mail]",
        "isActive": true,
        "isTermsOfServiceAccepted": true,
        "applicationStatus": "needsInformation",
        "applicationCompletionLink": {
            "url": "https://kyc.example.com/complete",
            "params": {
                "userId": "user_abc123",
                "signature": "abc123signature"
            }
        },
        "applicationExternalVerificationLink": {
            "url": "https://kyc.example.com/complete",
            "params": {
                "userId": "user_abc123",
                "signature": "abc123signature"
            }
        },
        "applicationReason": "documentPageMissing, badPhotoQuality"
    }
}

Example Payload (Status Changed by Rain)

{
    "id": "c3d4e5f6-a7b8-9012-cdef-a12345678902",
    "resource": "user",
    "action": "updated",
    "version": "1.0.0",
    "eventReceivedAt": "2026-01-27T15:30:00.000Z",
    "body": {
        "id": "user_abc123",
        "firstName": "John",
        "lastName": "Doe",
        "email": "[e-mail]",
        "isActive": true,
        "isTermsOfServiceAccepted": true,
        "applicationStatus": "locked",
        "applicationReason": "",
        "statusChangeReason": "rain_initiated"
    }
}