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POST
/
risk
/
riskscore
/
v2
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"
    }
  }
}

Body

application/json

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.

​
request
object
required

General information associated with the API request.

​
transaction
object
required

General transaction and risk assessment information.

​
transaction_ifa
object

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.

​
transaction_open_banking
object

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.

Response

Risk score returned successfully

​
request
object
​
response
object
​
transaction
object

Risk assessment results.