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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
}
'
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.

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