diff --git a/Cargo.toml b/Cargo.toml
index b998dc5..00bcbb1 100644
--- a/Cargo.toml
+++ b/Cargo.toml
@@ -35,6 +35,7 @@ dotenvy = "0.15"
 tracing = "0.1"
 tracing-subscriber = { version = "0.3", features = ["env-filter"] }
 anyhow = "1"
+url = "2.5"
 
 
 [dev-dependencies]
diff --git a/src/api/payments.rs b/src/api/payments.rs
index 369f7e7..571e3c1 100644
--- a/src/api/payments.rs
+++ b/src/api/payments.rs
@@ -127,21 +127,24 @@ pub async fn create(
         ));
     }
     if let Some(url) = &body.webhook_url {
+        if url.len() > 2048{
+            return Err(AppError::bad_request(
+                "invalid_webhook_url",
+                "webhook_url exceeds max length of 2048 characters"
+            ));
+        };
         let parsed_url = reqwest::Url::parse(url).map_err(|_| {
             AppError::bad_request("invalid_webhook_url", "webhook_url is not a valid URL")
         })?;
 
-        if state.config.network == "public" {
-            if parsed_url.scheme() != "https" {
-                return Err(AppError::bad_request(
-                    "invalid_webhook_url",
-                    "webhook_url must be an HTTPS URL on public network",
-                ));
-            }
-        } else if parsed_url.scheme() != "https" && parsed_url.scheme() != "http" {
+        if !state.config.allowed_webhook_schemes.contains(&parsed_url.scheme().to_string()){
             return Err(AppError::bad_request(
                 "invalid_webhook_url",
-                "webhook_url must be an HTTP or HTTPS URL",
+                &format!(
+                    "webhook_url scheme '{}' not allowed. Allowed schemes: {:?}",
+                    parsed_url.scheme(),
+                    state.config.allowed_webhook_schemes
+                )
             ));
         }
 
diff --git a/src/config.rs b/src/config.rs
index b31a7d2..675eadf 100644
--- a/src/config.rs
+++ b/src/config.rs
@@ -84,6 +84,7 @@ pub struct Config {
     pub webhook_secret: String,
     pub webhook_retry_attempts: u32,
     pub webhook_retry_delay_ms: u64,
+    pub allowed_webhook_schemes: Vec<String>,
     /// Per-attempt timeout for outbound webhook POSTs, in seconds. Each
     /// delivery attempt is bounded independently, so a slow receiver can't
     /// hold up the retry loop (or the reconciler) for more than this value.
@@ -140,6 +141,7 @@ pub struct Config {
     /// `408 Request Timeout`, so a slow client or a stuck handler can't tie up
     /// a connection indefinitely. Defaults to 30 seconds.
     pub request_timeout_secs: u64,
+    pub allowed_webhook_schemes: Vec<String>
 }
 
 impl Config {
@@ -153,6 +155,15 @@ impl Config {
             std::env::var("STELLAR_GATEWAY_PUBLIC").unwrap_or_else(|_| "UNCONFIGURED".to_string());
         let gateway_secret = std::env::var("STELLAR_GATEWAY_SECRET").unwrap_or_default();
         let webhook_secret = Self::validate_webhook_secret(std::env::var("WEBHOOK_SECRET"))?;
+        let allowed_webhook_schemes: Vec<String> = {
+            let raw_schemes = std::env::var("ALLOWED_WEBHOOK_SCHEMES")
+                .unwrap_or_else(|_| "https".to_string());
+            raw_schemes
+                .split(',)
+                .map(|s| s.trim().to_string())
+                .filter(|s| !s.is_empty())
+                .collect()
+        };
 
         let cors_allowed_origins: Vec<String> = {
             let raw_origins: Vec<String> = std::env::var("CORS_ALLOWED_ORIGINS")
@@ -193,6 +204,7 @@ impl Config {
                 }
             },
             webhook_secret,
+            allowed_webhook_schemes,
             webhook_retry_attempts: parse_env("WEBHOOK_RETRY_ATTEMPTS", 3)?,
             webhook_retry_delay_ms: parse_env("WEBHOOK_RETRY_DELAY_MS", 5000)?,
             webhook_timeout_secs: parse_env("WEBHOOK_TIMEOUT_SECS", 10)?,