Risk Score
Evaluate the risk of a transaction and obtain a risk assessment token for use in subsequent process calls.
curl --request POST \
--url https://payapi-sandbox.ingo.money/risk/riskscore/v2 \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"transaction": {
"account_type": "AC",
"transaction_amount": {
"currency_code": "USD",
"amount": "15.00"
},
"customer_account_token": "f40810e6-b382-4dd5-8012-9d8518136fdc",
"customer_id": "bb79062e-938c-427e-8494-1d69fa3f2295",
"risk_session_token": "e9751823-fed0-4982-802b-6a4bb1cdc86c",
"phone": "5555550100",
"phone_verified": "false",
"email": "customer@example.com",
"email_verified": "true",
"dob": "01/02/2000"
},
"transaction_ifa": {
"ssn": "6789",
"dob": "01/02/2000",
"device_id": "99ABCDEF-01234567-89ABCDE",
"geo_location": {
"latitude": "33.76272140863938",
"longitude": "-84.39188882939422"
}
}
}
'{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"response": {
"status": "100",
"message": "Success",
"duration": "0.074021816253662"
},
"transaction": {
"score": "3000",
"risk_assessment_token": "de1a802d-e6d3-4bd7-8ee9-53171952d812",
"fraud_guarantee": {
"guarantee_requested": "1",
"transaction_guaranteed": "1"
}
}
}{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"response": {
"status": "400",
"message": "Validation Error"
}
}Body
transaction_ifa{} is required when the client is configured with Identity Fraud Assessment (ifa_enabled flag). transaction_open_banking{} is conditional based on client open banking configuration. Contact your Ingo integration manager to confirm which objects apply to your integration.
General information associated with the API request.
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General transaction and risk assessment information.
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Additional risk information for Ingo Fraud Alert (IFA). Required when the client is configured with ifa_enabled. When required, ssn must be provided. dob is conditionally required when providing last-4 SSN only.
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Open banking data for risk score assessment enrichment. Conditional based on client configuration and open banking partner. Passed through to the Sardine risk scoring vendor for downstream open banking enrichment. Exactly one of open_banking_plaid or open_banking_other should be provided — not both.
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curl --request POST \
--url https://payapi-sandbox.ingo.money/risk/riskscore/v2 \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"transaction": {
"account_type": "AC",
"transaction_amount": {
"currency_code": "USD",
"amount": "15.00"
},
"customer_account_token": "f40810e6-b382-4dd5-8012-9d8518136fdc",
"customer_id": "bb79062e-938c-427e-8494-1d69fa3f2295",
"risk_session_token": "e9751823-fed0-4982-802b-6a4bb1cdc86c",
"phone": "5555550100",
"phone_verified": "false",
"email": "customer@example.com",
"email_verified": "true",
"dob": "01/02/2000"
},
"transaction_ifa": {
"ssn": "6789",
"dob": "01/02/2000",
"device_id": "99ABCDEF-01234567-89ABCDE",
"geo_location": {
"latitude": "33.76272140863938",
"longitude": "-84.39188882939422"
}
}
}
'{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"response": {
"status": "100",
"message": "Success",
"duration": "0.074021816253662"
},
"transaction": {
"score": "3000",
"risk_assessment_token": "de1a802d-e6d3-4bd7-8ee9-53171952d812",
"fraud_guarantee": {
"guarantee_requested": "1",
"transaction_guaranteed": "1"
}
}
}{
"request": {
"participant_id": "12345",
"timestamp": "1721337427"
},
"response": {
"status": "400",
"message": "Validation Error"
}
}