Card Fraud Detection - Adhere by Smartcomply

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
}
'

import requests

url = "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/"

payload = {
    "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
}
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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
  })
};

fetch('https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/"

	payload := strings.NewReader("{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/")
  .header("x-access-token", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

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

POST

api

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
}
'

import requests

url = "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/"

payload = {
    "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
}
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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
  })
};

fetch('https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/"

	payload := strings.NewReader("{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/")
  .header("x-access-token", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/v1/monitoring/transaction_monitoring/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transaction_id\": \"TXN-12345678\",\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"origin_account\": {\n    \"account_number\": \"9876543219\",\n    \"bank_code\": \"001\"\n  },\n  \"destination_account\": {\n    \"account_number\": \"123456789\",\n    \"bank_code\": \"002\"\n  },\n  \"customer_details\": {\n    \"customer_name\": \"<string>\",\n    \"customer_email\": \"jsmith@example.com\",\n    \"bvn\": \"<string>\"\n  },\n  \"additional_info\": {\n    \"ip_address\": \"192.168.1.1\",\n    \"location\": \"Lagos, Nigeria\",\n    \"transaction_description\": \"<string>\"\n  },\n  \"run_kyc\": false\n}"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

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

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

Header	Value	Required
`x-access-token`	Your API secret key	Yes
`Content-Type`	`application/json`	Yes

Body Parameters

Parameter	Type	Required	Description
`transaction_id`	string	Yes	Unique identifier for the transaction
`amount`	number	Yes	Transaction amount
`currency`	string	Yes	Currency code (e.g., `NGN`, `USD`)
`transaction_type`	string	Yes	Transaction type (e.g., `card`)
`account_type`	string	Yes	Account type: `individual` or `corporate`
`timestamp`	string	Yes	ISO-8601 datetime of the transaction
`card_details`	object	Yes	Details of the card used
`card_details.bin`	string	Yes	First six digits of the card number (BIN)
`card_details.last4`	string	Yes	Last four digits of the card number
`merchant_details`	object	Yes	Merchant details
`merchant_details.merchant_name`	string	Yes	Name of the merchant
`merchant_details.merchant_location`	string	Yes	Location of the merchant
`customer_details`	object	Yes	Customer details
`customer_details.customer_name`	string	Yes	Customer’s full name
`customer_details.customer_email`	string	Yes	Customer’s email address
`customer_details.customer_phone`	string	Yes	Customer’s phone number with country code
`customer_details.bvn`	string	Yes	Customer’s Bank Verification Number
`additional_info`	object	Yes	Additional context for fraud evaluation
`additional_info.ip_address`	string	Yes	IP address during the transaction
`additional_info.country_code`	string	Yes	Country code (e.g., `234`)
`additional_info.location`	string	Yes	Customer 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": "12345678901"
    },
    "additional_info": {
      "ip_address": "102.89.1.1",
      "country_code": "234",
      "location": "Lagos, Nigeria"
    }
  }'

Response

201 Created

Field	Type	Description
`data.activity_code`	string	Activity code returned from the fraud assessment (see activity codes)
`data.status`	string	Transaction status: `"clean"` or `"suspicious"`
`data.comment`	array	List 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,

ussd,

web

account_type

enum<string>

required

Available options:

individual,

corporate

origin_account

object

required

Show child attributes

destination_account

object

required

Show child attributes

customer_details

object

required

Show child attributes

additional_info

object

required

Show child attributes

run_kyc

boolean

default:false

Response

Transaction processed

Overview Overview

​Endpoint

​Request

​Headers

​Body Parameters

​Example

​Response

​201 Created

​400 Bad Request

​401 Unauthorized

Authorizations

Body

Response

Endpoint

Request

Headers

Body Parameters

Example

Response

201 Created

400 Bad Request

401 Unauthorized