> ## Documentation Index > Fetch the complete documentation index at: https://docs.smartcomply.com/llms.txt > Use this file to discover all available pages before exploring further. # Card Fraud Detection > Submit a card transaction for real-time fraud scoring based on your configured thresholds and limits. 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 ```bash cURL theme={null} 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 | Field | Type | Description | | -------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------- | | `data.activity_code` | string | Activity code returned from the fraud assessment (see [activity codes](/v3/transaction/card_transaction/card_transaction_overview)) | | `data.status` | string | Transaction status: `"clean"` or `"suspicious"` | | `data.comment` | array | List of triggered fraud rules, if any | ```json theme={null} { "status": "Success", "data": { "activity_code": "200", "status": "clean", "comment": [] }, "message": "Transaction was successfully processed" } ``` ### 400 Bad Request ```json theme={null} { "status": "failed", "data": [], "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes" } ``` ### 401 Unauthorized ```json theme={null} { "status": "failed", "message": "Authentication credentials were not provided." } ``` ## OpenAPI ````yaml POST /api/v1/monitoring/transaction_monitoring/ openapi: 3.0.3 info: title: Adhere API description: >- Identity verification, credit checks, transaction monitoring, and loan fraud detection across Africa. version: 3.0.0 servers: - url: https://adhere-api.smartcomply.com description: Production security: - ApiKeyAuth: [] tags: - name: Nigeria KYC - name: Kenya KYC - name: Ghana KYC - name: Rwanda KYC - name: Uganda KYC - name: Biometrics - name: Individual Credit - name: Business Credit - name: Transaction Monitoring - name: Transaction Screening - name: Transaction KYC - name: Loan Fraud - name: User Journey paths: /api/v1/monitoring/transaction_monitoring/: post: tags: - Transaction Monitoring summary: Submit Transaction for Monitoring operationId: submitTransaction requestBody: required: true content: application/json: schema: type: object required: - transaction_id - amount - currency - transaction_type - account_type - origin_account - destination_account - customer_details - additional_info properties: transaction_id: type: string example: TXN-12345678 amount: type: number example: 50000 currency: type: string example: NGN transaction_type: type: string enum: - transfer - card - ussd - web account_type: type: string enum: - individual - corporate origin_account: type: object required: - account_number - bank_code properties: account_number: type: string example: '9876543219' bank_code: type: string example: '001' destination_account: type: object required: - account_number - bank_code properties: account_number: type: string example: '123456789' bank_code: type: string example: '002' customer_details: type: object required: - customer_name - customer_email properties: customer_name: type: string customer_email: type: string format: email bvn: type: string additional_info: type: object required: - ip_address - location properties: ip_address: type: string example: 192.168.1.1 location: type: string example: Lagos, Nigeria transaction_description: type: string run_kyc: type: boolean default: false responses: '201': description: Transaction processed '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' components: responses: BadRequest: description: Bad Request content: application/json: schema: type: object properties: status: type: string example: failed data: type: array items: {} message: type: string Unauthorized: description: Unauthorized content: application/json: schema: type: object properties: status: type: string example: failed message: type: string example: Authentication credentials were not provided. securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-access-token description: Your Adhere API secret key ````