> ## 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. # Submit Transaction for Monitoring > Submit a transaction for real-time fraud assessment and receive an activity code based on your configured thresholds and limits. 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 | 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 ```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": 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 | **Safe:** | 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 ```json theme={null} { "status": "Success", "data": { "activity_code": "450", "status": "suspicious", "comment": ["4 rule(s) triggered"] }, "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 ````