> ## Documentation Index > Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt > Use this file to discover all available pages before exploring further. # Account Overdraft Created > Fired when a transaction causes an overdraft on the entity's VBAN, covered by the program reserve. The reference block carries overdraft_id and amount_intent. ## AsyncAPI ````yaml specs/asyncapi-banking.yaml AccountOverdraftCreated id: AccountOverdraftCreated title: Account Overdraft Created description: >- Fired when a transaction causes an overdraft on the entity's VBAN, covered by the program reserve. The reference block carries overdraft_id and amount_intent. servers: - id: webhook protocol: https host: your-webhook-endpoint.example.com bindings: [] variables: [] address: account.overdraft.created parameters: [] bindings: [] operations: - &ref_1 id: receiveAccountOverdraftCreated title: Receive account overdraft created description: Account Overdraft Created type: receive messages: - &ref_2 id: AccountOverdraftCreatedMessage contentType: application/json payload: - name: Account Overdraft Created type: object properties: - name: event type: string required: true - name: data type: object required: true properties: - name: event_id type: string description: >- Unique identifier for this webhook event delivery. Use as your deduplication key. required: true - name: event_type type: string description: The event type name, matching the top-level event field. required: true - name: event_description type: string description: Human-readable description of the event. Often empty. required: true - name: entity_id type: string description: Platform-assigned numeric entity identifier. required: true - name: entity_type type: string description: The type of entity associated with this event. enumValues: - user - business required: true - name: account_id type: string description: Platform-assigned account identifier. required: true - name: account_type type: string description: Type of account (e.g. routable, virtual). required: true - name: transfer_id type: string description: Platform-assigned transfer identifier. required: true - name: currency type: string description: ISO 4217 currency code. enumValues: - USD - usd required: true - name: amount type: string description: >- Monetary amount expressed as a decimal string with two decimal places. required: true - name: memo type: string description: Optional memo or description for the transfer. required: false - name: direction type: string description: Direction of fund movement from the entity's perspective. enumValues: - credit - debit required: true - name: status type: string description: Transfer status. required: true - name: reference type: object description: >- Overdraft context block present on account.overdraft.created events. required: true properties: - name: overdraft_id type: string description: Platform-assigned overdraft identifier. required: true - name: amount_intent type: string description: >- The amount that was intended to be debited, which caused the overdraft. required: true - name: created_at type: string description: Date and time in DD-MM-YYYY hh:mm AM/PM format. required: true - name: updated_at type: string description: Date and time in DD-MM-YYYY hh:mm AM/PM format. required: true headers: [] jsonPayloadSchema: type: object required: - event - data - created_at - updated_at properties: event: type: string example: account.overdraft.created x-parser-schema-id: data: allOf: - type: object required: - event_id - event_type - event_description description: >- Base fields present in the data block of every Banking Platform webhook event. properties: event_id: type: string pattern: ^inn_whe_[A-Za-z0-9]+$ description: >- Unique identifier for this webhook event delivery. Use as your deduplication key. example: inn_whe_2tHPeibq8Gkm6kXU819g x-parser-schema-id: event_type: type: string description: The event type name, matching the top-level event field. x-parser-schema-id: event_description: type: string description: Human-readable description of the event. Often empty. x-parser-schema-id: x-parser-schema-id: BankingEventDataBase - type: object description: >- Full transfer payload fields present on most account.transfer.* events. required: - entity_id - entity_type - account_id - account_type - transfer_id - currency - amount - direction - status properties: entity_id: type: string description: Platform-assigned numeric entity identifier. example: '6830' x-parser-schema-id: EntityId entity_type: type: string description: The type of entity associated with this event. enum: - user - business x-parser-schema-id: EntityType account_id: type: string description: Platform-assigned account identifier. x-parser-schema-id: account_type: type: string description: Type of account (e.g. routable, virtual). example: routable x-parser-schema-id: transfer_id: type: string description: Platform-assigned transfer identifier. example: DPST_PVCVXAR4KRU2CTOT6026NIGGS x-parser-schema-id: currency: type: string description: ISO 4217 currency code. enum: - USD - usd example: USD x-parser-schema-id: Currency amount: type: string description: >- Monetary amount expressed as a decimal string with two decimal places. example: '500.00' x-parser-schema-id: Amount memo: type: string description: Optional memo or description for the transfer. x-parser-schema-id: direction: type: string description: >- Direction of fund movement from the entity's perspective. enum: - credit - debit x-parser-schema-id: Direction status: type: string description: Transfer status. x-parser-schema-id: x-parser-schema-id: FullTransferData - type: object required: - reference properties: reference: type: object description: >- Overdraft context block present on account.overdraft.created events. required: - overdraft_id - amount_intent properties: overdraft_id: type: string description: Platform-assigned overdraft identifier. example: OD_ABC123DEF456GHI789 x-parser-schema-id: amount_intent: type: string description: >- The amount that was intended to be debited, which caused the overdraft. example: '500.00' x-parser-schema-id: x-parser-schema-id: OverdraftReference x-parser-schema-id: x-parser-schema-id: created_at: &ref_0 type: string description: Date and time in DD-MM-YYYY hh:mm AM/PM format. example: 02-02-2025 06:30 PM x-parser-schema-id: BankingTimestamp updated_at: *ref_0 x-parser-schema-id: title: Account Overdraft Created example: |- { "event": "account.overdraft.created", "data": { "event_id": "inn_whe_6xOQPGQHOE80JVS253E", "event_type": "account.overdraft.created", "event_description": "", "entity_id": "6830", "entity_type": "user", "account_id": "6246", "account_type": "virtual", "transfer_id": "DPST_PVCVXAR4KRU2CTOT6026NIGGS", "currency": "USD", "amount": "500.00", "memo": "", "direction": "debit", "status": "completed", "reference": { "overdraft_id": "OD_ABC123DEF456GHI789", "amount_intent": "500.00" } }, "created_at": "02-02-2025 06:50 PM", "updated_at": "02-02-2025 06:50 PM" } bindings: [] extensions: - id: x-parser-unique-object-id value: AccountOverdraftCreatedMessage bindings: [] extensions: - id: x-parser-unique-object-id value: AccountOverdraftCreated sendOperations: - *ref_1 receiveOperations: [] sendMessages: - *ref_2 receiveMessages: [] extensions: - id: x-parser-unique-object-id value: AccountOverdraftCreated securitySchemes: [] ````