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POST
/
api
/
v1
/
monitoring
/
transaction_monitoring
/
Submit Transaction for Monitoring
curl --request POST \
  --url https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "transaction_id": "TXN-12345678",
  "amount": 50000,
  "currency": "NGN",
  "origin_account": {
    "account_number": "9876543219",
    "bank_code": "001"
  },
  "destination_account": {
    "account_number": "123456789",
    "bank_code": "002"
  },
  "customer_details": {
    "customer_name": "<string>",
    "customer_email": "jsmith@example.com",
    "bvn": "<string>"
  },
  "additional_info": {
    "ip_address": "192.168.1.1",
    "location": "Lagos, Nigeria",
    "transaction_description": "<string>"
  },
  "run_kyc": false
}
'
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}
The Card Fraud Detection endpoint evaluates a card transaction in real-time, computing a activity code using your configured thresholds and limits. All fields are required. Use a unique transaction_id for each request to ensure accurate tracking.

​
Endpoint

POST /api/v1/monitoring/transaction_monitoring/

​
Request

​
Headers

HeaderValueRequired
x-access-tokenYour API secret keyYes
Content-Typeapplication/jsonYes

​
Body Parameters

ParameterTypeRequiredDescription
transaction_idstringYesUnique identifier for the transaction
amountnumberYesTransaction amount
currencystringYesCurrency code (e.g., NGN, USD)
transaction_typestringYesTransaction type (e.g., card)
account_typestringYesAccount type: individual or corporate
timestampstringYesISO-8601 datetime of the transaction
card_detailsobjectYesDetails of the card used
card_details.binstringYesFirst six digits of the card number (BIN)
card_details.last4stringYesLast four digits of the card number
merchant_detailsobjectYesMerchant details
merchant_details.merchant_namestringYesName of the merchant
merchant_details.merchant_locationstringYesLocation of the merchant
customer_detailsobjectYesCustomer details
customer_details.customer_namestringYesCustomer’s full name
customer_details.customer_emailstringYesCustomer’s email address
customer_details.customer_phonestringYesCustomer’s phone number with country code
customer_details.bvnstringYesCustomer’s Bank Verification Number
additional_infoobjectYesAdditional context for fraud evaluation
additional_info.ip_addressstringYesIP address during the transaction
additional_info.country_codestringYesCountry code (e.g., 234)
additional_info.locationstringYesCustomer location (e.g., Lagos, Nigeria)

​
Example

curl -X POST "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_id": "12345678",
    "amount": 300000,
    "currency": "NGN",
    "transaction_type": "card",
    "account_type": "individual",
    "timestamp": "2025-08-23T14:30:00Z",
    "card_details": {
      "bin": "345676",
      "last4": "9809"
    },
    "merchant_details": {
      "merchant_name": "ABC Stores",
      "merchant_location": "Lagos, Nigeria"
    },
    "customer_details": {
      "customer_name": "John Doe",
      "customer_email": "john.doe@example.com",
      "customer_phone": "+2347012345678",
      "bvn": "1234567890"
    },
    "additional_info": {
      "ip_address": "102.89.1.1",
      "country_code": "234",
      "location": "Lagos, Nigeria"
    }
  }'

​
Response

​
201 Created

FieldTypeDescription
data.activity_codestringActivity code returned from the fraud assessment (see activity codes)
data.statusstringTransaction status: "clean" or "suspicious"
data.commentarrayList of triggered fraud rules, if any
{
  "status": "Success",
  "data": {
    "activity_code": "200",
    "status": "clean",
    "comment": []
  },
  "message": "Transaction was successfully processed"
}

​
400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes"
}

​
401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Authorizations

​
x-access-token
string
header
required

Your Adhere API secret key

Body

application/json
​
transaction_id
string
required
Example:

"TXN-12345678"

​
amount
number
required
Example:

50000

​
currency
string
required
Example:

"NGN"

​
transaction_type
enum<string>
required
Available options:
transfer,
card,
ussd,
web
​
account_type
enum<string>
required
Available options:
individual,
corporate
​
origin_account
object
required
​
destination_account
object
required
​
customer_details
object
required
​
additional_info
object
required
​
run_kyc
boolean
default:false

Response

Transaction processed