Card Transaction Monitoring - Adhere by Smartcomply

Overview

The Card Transaction Monitoring system performs real-time fraud assessments on card transactions. Each transaction receives a activity code — a calculated risk indicator — which you can use to flag, review, or auto-reject suspicious activity.

How It Works

Submit the transaction

Send transaction details to the Post Fraud Request endpoint.

Algorithmic analysis

The system evaluates transaction characteristics including location, transaction history, and spending patterns.

Real-time assessment

An activity code is returned immediately, reflecting the outcome of the fraud assessment.

Take action

Use the returned activity code to approve, flag for manual review, or auto-reject the transaction.

Key Features

Real-Time Assessment

Activity codes are returned instantly, enabling immediate action on suspicious transactions.

Spending Pattern Analysis

Detects anomalies by comparing each transaction against historical spending behaviour.

Location Intelligence

Flags transactions from unusual or high-risk locations.

Actionable Results

Use the returned activity code to configure your own approve, flag, or reject logic based on your risk appetite.

Endpoints

Endpoint	Description
Post Fraud Request	Submit a card transaction for real-time fraud assessment

Rule Criteria

Fraud rules can be based on any combination of the following:

Criterion	Example
Transaction amount	Flag any transaction over $5,000
Transaction frequency	Flag more than 5 transactions in 10 minutes
Geographic location	Flag transactions from high-risk countries
Merchant category	Flag gambling or crypto merchant codes
Time of day	Flag transactions between 1am–4am
Account type	Apply different rules to individual vs. corporate accounts

Activity Codes

Suspicious (flag for review):

Code	Description
`450`	Suspicious Transaction Detected — Requires Manual Review
`451`	High-Risk Transaction — Potential Fraud
`452`	Unusual Transaction Behavior — Pattern Anomaly
`453`	Velocity Check Failed — Too Many Transactions in Short Time
`454`	Geographic Inconsistency — Unusual Location
`455`	Transaction Amount Too High — Above Threshold
`456`	Blacklisted Account or Entity
`457`	Repeated Failed Transactions — Possible Fraud Attempt

Safe:

Code	Description
`200`	Transaction Approved — No Issues
`201`	Transaction Successfully Processed
`202`	Transaction Pending Review — Routine Check
`210`	Trusted Transaction — Verified and Safe
`211`	Low-Risk Transaction — No Anomalies Detected
`212`	Recurring Transaction Approved — Previously Authorized Pattern
`220`	Whitelisted Entity — Pre-approved Account or Business
`221`	Known Customer — Transaction Aligns with User History

Webhook Notifications

When a card transaction is flagged, Adhere sends a suspicious_transaction event to your configured webhook URL. See Webhooks for the full payload structure and signature verification guide.

Next Steps

Submit a Transaction

Send your first card transaction for fraud assessment.

​Overview

​How It Works

​Key Features