curl --request POST \
  --url https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant \
  --header 'Content-Type: application/json' \
  --header 'apiKey: <api-key>' \
  --header 'apiSecret: <api-key>' \
  --data '{
  "transactionData": {
    "reference": "<string>",
    "amount": 123,
    "receiverAccount": "<string>",
    "senderAccount": "<string>",
    "isExternalPayment": true,
    "balanceBefore": 123,
    "type": "debit",
    "channel": "card payment",
    "transactionDate": "2023-11-07T05:31:56Z",
    "vasReceiver": "<string>",
    "currency": "<string>",
    "isInternalAccount": true,
    "isStaffAccount": true,
    "sessionId": "<string>",
    "isDormantAccount": true
  },
  "device": {
    "deviceId": "<string>",
    "manufacturer": "<string>",
    "model": "<string>",
    "osName": "<string>",
    "osVersion": "<string>"
  },
  "anonymizedUserData": {
    "uniqueId": "<string>",
    "accountType": "individual",
    "businessCategory": "<string>",
    "isPhoneNumberVerified": true,
    "isBanned": true,
    "dateJoined": "2023-11-07T05:31:56Z",
    "age": 123,
    "isIdentityVerified": true,
    "state": "<string>",
    "city": "<string>",
    "country": "<string>"
  },
  "location": {
    "latitude": 123,
    "longitude": 123,
    "country": "<string>"
  },
  "thirdPartyUserData": {
    "uniqueId": "<string>",
    "cardPan": "<string>",
    "email": "jsmith@example.com"
  },
  "limits": {
    "dailyLimit": 123,
    "overdraftLimit": 123
  },
  "screeningData": {
    "senderName": "<string>",
    "receiverName": "<string>"
  },
  "beneficiary": {
    "isRegisteredBeneficiary": true,
    "isNewBeneficiary": true
  }
}'
{
  "transactionId": "<string>",
  "riskScore": "<string>",
  "action": {
    "result": "approved",
    "code": 0
  },
  "ruleResult": "<string>",
  "reason": {
    "code": "<string>",
    "message": "<string>",
    "severity": "high",
    "rule": {
      "id": "<string>",
      "name": "<string>"
    }
  },
  "screening": {
    "sender": {
      "pep": "<string>",
      "sanction": "<string>"
    },
    "receiver": {
      "pep": "<string>",
      "sanction": "<string>"
    }
  }
}

Authorizations

apiKey
string
header
required
apiSecret
string
header
required

Body

application/json
Transaction payload to be screened and monitored
transactionData
object
required
device
object
anonymizedUserData
object
location
object
thirdPartyUserData
object
limits
object
screeningData
object
beneficiary
object

Response

200
application/json
Transaction monitoring result
transactionId
string

The ID of the transaction that was checked for fraud

riskScore
string

A score indicating the level of risk associated with the transaction

action
object

Object providing info about the final decision taken on the transaction. Only returned when a final decision is taken

ruleResult
string

Result after the rules set have been executed (e.g., 'looks safe', 'needs review')

reason
object

Provides more detailed information about why the transaction is considered fraudulent

screening
object

Results of screening checks performed on transaction parties (Only returned when transaction screening module is enabled)