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."
}Transaction Monitoring
Submit Transaction for Monitoring
Submit a transaction for real-time fraud assessment and receive an activity code based on your configured thresholds and limits.
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
}
'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 Submit Transaction endpoint processes a transaction in real-time against your configured thresholds and limits. The response includes an activity code indicating whether the transaction is clean, suspicious, or high-risk.
Safe:
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 | Type of transaction: transfer, card, ussd, or web |
account_type | string | Yes | Account type: individual or corporate |
origin_account | object | Yes | Originating account details |
origin_account.account_number | string | Yes | Account number of the sender |
origin_account.bank_code | string | Yes | Bank code of the sender |
destination_account | object | Yes | Destination account details |
destination_account.account_number | string | Yes | Account number of the recipient |
destination_account.bank_code | string | Yes | Bank code of the recipient |
customer_details | object | Yes | Details of the customer initiating the transaction |
customer_details.customer_name | string | Yes | Customer’s full name |
customer_details.customer_email | string | Yes | Customer’s email address |
customer_details.bvn | string | No | Customer’s BVN (used to build a risk profile) |
additional_info | object | Yes | Additional context for fraud evaluation |
additional_info.ip_address | string | Yes | IP address during the transaction |
additional_info.location | string | Yes | Location string or lat/lon (e.g., "lat=-30.66,lon=-65.77") |
additional_info.transaction_description | string | No | Transaction description |
run_kyc | boolean | No | Run a KYC check on the customer. Defaults to false |
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": 14000000,
"currency": "NGN",
"transaction_type": "card",
"account_type": "individual",
"origin_account": {
"account_number": "9876543219",
"bank_code": "001"
},
"destination_account": {
"account_number": "123456789",
"bank_code": "002"
},
"customer_details": {
"customer_name": "Muhammad Ibrahim Isah",
"customer_email": "user@example.com",
"bvn": "22430372151"
},
"additional_info": {
"ip_address": "192.168.1.1",
"location": "Lagos, Nigeria",
"transaction_description": "Payment for order #789"
},
"run_kyc": false
}'
Response
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 |
| 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 |
201 Created
{
"status": "Success",
"data": {
"activity_code": "450",
"status": "suspicious",
"comment": ["4 rule(s) triggered"]
},
"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
Your Adhere API secret key
Body
application/json
Example:
"TXN-12345678"
Example:
50000
Example:
"NGN"
Available options:
transfer, card, ussd, web Available options:
individual, corporate Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Response
Transaction processed
⌘I

