> ## 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.

# Transaction Monitoring

> Real-time transaction analysis and automated alerting to detect suspicious activity.

## Overview

Transaction Monitoring provides real-time analysis of every transaction processed through your Adhere account. It evaluates transactions against a set of configurable rules and automatically triggers alerts when suspicious patterns are detected — helping you comply with AML regulations and prevent fraud proactively.

## How It Works

<Steps>
  <Step title="Submit a transaction">
    Send transaction data to the [Transaction Monitoring endpoint](/v3/transaction/transaction_monitoring/post_transaction_request) via your backend.
  </Step>

  <Step title="Rules are evaluated">
    The system checks the transaction against your configured rules (amount limits, frequency, geography, merchant category, and more).
  </Step>

  <Step title="Alert is generated (if triggered)">
    If one or more rules fire, the transaction is flagged as suspicious and an alert is sent via webhook, email, or SMS.
  </Step>

  <Step title="Review and action">
    Investigate the alert in the Adhere dashboard — approve, reject, or escalate the transaction.
  </Step>
</Steps>

## Key Features

<CardGroup cols={2}>
  <Card title="Customizable Rules" icon="sliders">
    Configure rules based on transaction amount, frequency, geographic location, merchant category, time of day, and more.
  </Card>

  <Card title="Automated Alerts" icon="bell">
    Get notified instantly via webhook, email, or SMS when a transaction breaches a rule.
  </Card>

  <Card title="Case Management" icon="folder-open">
    Review flagged transactions, approve or reject them, and escalate to support from the Adhere dashboard.
  </Card>

  <Card title="AML Screening" icon="shield-check">
    Optionally screen transactions and counterparties against global watchlists and sanction databases.
  </Card>
</CardGroup>

## Rule Criteria

Rules can be based on any combination of the following:

| Criterion             | Example                                                   |
| --------------------- | --------------------------------------------------------- |
| Transaction amount    | Flag any transaction over ₦500,000                        |
| Transaction frequency | Flag more than 10 transactions in 1 hour                  |
| Geographic location   | Flag transactions from high-risk countries                |
| Merchant category     | Flag gambling or crypto merchant codes                    |
| Time of day           | Flag transactions between 1am–4am                         |
| Account type          | Apply different rules to individual vs. business accounts |

## Webhook Notifications

When a transaction is flagged, Adhere sends a `suspicious_transaction` event to your configured webhook URL. See [Webhooks](/webhooks) for the full payload structure and signature verification guide.

## Next Steps

<CardGroup cols={2}>
  <Card title="Submit a Transaction" icon="paper-plane" href="/v3/transaction/transaction_monitoring/post_transaction_request">
    Send your first transaction for monitoring.
  </Card>

  <Card title="User Journey" icon="route" href="/v3/transaction/transaction_monitoring/user_journey">
    Understand the end-to-end flow from submission to resolution.
  </Card>
</CardGroup>