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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>"
}

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.

The Submit Transaction endpoint processes a transaction in real-time, computing a fraud score based on your configured thresholds and limits. The response includes an activity code indicating whether the transaction is clean, suspicious, or high-risk.

​
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_typestringYesType of transaction: transfer, card, ussd, or web
account_typestringYesAccount type: individual or corporate
origin_accountobjectYesOriginating account details
origin_account.account_numberstringYesAccount number of the sender
origin_account.bank_codestringYesBank code of the sender
destination_accountobjectYesDestination account details
destination_account.account_numberstringYesAccount number of the recipient
destination_account.bank_codestringYesBank code of the recipient
customer_detailsobjectYesDetails of the customer initiating the transaction
customer_details.customer_namestringYesCustomer’s full name
customer_details.customer_emailstringYesCustomer’s email address
customer_details.bvnstringNoCustomer’s BVN (used to build a risk profile)
additional_infoobjectYesAdditional context for fraud evaluation
additional_info.ip_addressstringYesIP address during the transaction
additional_info.locationstringYesLocation string or lat/lon (e.g., "lat=-30.66,lon=-65.77")
additional_info.transaction_descriptionstringNoTransaction description
run_kycbooleanNoRun 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):
CodeDescription
450Suspicious Transaction Detected — Requires Manual Review
451High-Risk Transaction — Potential Fraud
452Unusual Transaction Behavior — Pattern Anomaly
453Velocity Check Failed — Too Many Transactions in Short Time
454Geographic Inconsistency — Unusual Location
455Transaction Amount Too High — Above Threshold
456Blacklisted Account or Entity
457Repeated Failed Transactions — Possible Fraud Attempt
Safe:
CodeDescription
200Transaction Approved — No Issues
201Transaction Successfully Processed
202Transaction Pending Review — Routine Check
210Trusted Transaction — Verified and Safe
211Low-Risk Transaction — No Anomalies Detected
212Recurring Transaction Approved — Previously Authorized Pattern
220Whitelisted Entity — Pre-approved Account or Business
221Known 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

​
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