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Risk-assess bankaccount

POST https://{domainname}/v1/{merchantId}/riskassessments/bankaccounts

Risk assessments

Through this API you can have our fraud prevention systems assess the risk for potential fraud based using the details you provide. You can either have us assess this risk when you submit the transaction for processing or you can do this separately from the payment process, using the risk assessment calls.

We offers two groups of checks:

  • Centred around card data
  • Centred around bank account data
Both groups perform multiple check within one call depending on configuration.

Request

The evaluation of the risk on bank account data is less concerned with additional data, but focusses primarily just on the bank account data. As an online authorization is not possible against a bank account most checks focus on the, fairly static, checks whether the bank account data is wellformed, i.e. algorithms checks, correct length and syntax. Some are however based on more or less static blacklists that do try to take past transaction results into consideration. This API allows you to submit almost the same data as when you do a transaction. In this case the data is only used to assess the risk and not actually process a payment.

PayloadRiskAssessmentBankAccount

Properties
Property Type Required Details
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Description

Object containing account holder name and bank account information
  • SDK Object type
    BankAccountBban
  • Property is part of a group
    Learn more

    Properties that make up a group are mutually exclusive, which means you can only include one of each group in any given call.

    If there are multiple groups at one level in the object hierarchy we use numbers to distinguish groups from one another.

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Description

Name of the account holder
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Description

Bank account number
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Description

Bank code
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Description

Name of the bank
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Description

Branch code
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Description

Bank check digit
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Description

ISO 3166-1 alpha-2 country code of the country where the bank account is held For UK payouts this value is automatically set to GB as only payouts to UK accounts are supported.
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Description

Object containing account holder name and IBAN information
  • SDK Object type
    BankAccountIban
  • Property is part of a group
    Learn more

    Properties that make up a group are mutually exclusive, which means you can only include one of each group in any given call.

    If there are multiple groups at one level in the object hierarchy we use numbers to distinguish groups from one another.

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Description

Name in which the account is held.
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Description

The IBAN is the International Bank Account Number. It is an internationally agreed format for the BBAN and includes the ISO country code and two check digits.
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Description

Object containing additional data that will be used to assess the risk of fraud
  • SDK Object type
    FraudFields
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Deprecated: For risk assessments there is no replacement. For other calls, please use order.shipping.addressIndicator to indicate that the billing and shipping address are identical.

Description

Indicates that invoice and shipping addresses are equal.
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Description

Additional black list input
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Deprecated: This should be the same as order.customer.billingAddress

Description

The address that belongs to the owner of the card
  • SDK Object type
    Address
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Deprecated

Description

Additional address information. The additionalInfo is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform
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Deprecated

Description

City
Note: For payments with product 1503 the maximum length is not 40 but 20.
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Deprecated

Description

ISO 3166-1 alpha-2 country code
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Deprecated

Description

House number. The houseNumber is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform
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Deprecated

Description

Full name of the state or province
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Deprecated

Description

ISO 3166-2 alpha-3 state code
Notes:
  • The maximum length for 3-D Secure version 2 is AN3 for payments that are processed by the GlobalCollect platform
  • The maximum length for paymentProductId 1503 (Boleto) is AN2 for payments that are processed by the GlobalCollect platform
  • The maximum length is 3 for payments that are processed by the WL Online Payment Acceptance platform
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Deprecated

Description

Streetname
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Deprecated

Description

Zip code
Note: For payments with product 1503 the maximum length is not 10 but 8.
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Description

The IP Address of the customer that is making the payment. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
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Deprecated: Use order.customer.device.defaultFormFill instead

Description

Degree of default form fill, with the following possible values:
  • automatically - All fields filled automatically
  • automatically-but-modified - All fields filled automatically, but some fields were modified manually
  • manually - All fields were entered manually
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Deprecated: No replacement

Description

Indicates that the device fingerprint has been used while processing the order.
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Deprecated: Use order.customer.device.deviceFingerprintTransactionId instead

Description

One must set the deviceFingerprintTransactionId received by the response of the endpoint /{merchant}/products/{paymentProductId}/deviceFingerprint
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Description

One of the following gift card types:
  • celebrate-fall - Celebrate Fall
  • grandparents-day - Grandparent's Day
  • independence-day - Independence Day
  • anniversary - Anniversary
  • birthday - Birthday
  • congratulations - Congratulations
  • april-fools-day - April Fool's Day
  • easter - Easter
  • fathers-day - Father's Day
  • graduation - Graduation
  • holiday - Holiday
  • seasons-greetings - Season's Greetings
  • passover - Passover
  • kwanzaa - Kwanzaa
  • halloween - Halloween
  • mothers-day - Mother's Day
  • new-years-day - New Year's Day
  • bosses-day - Bosses' Day
  • st-patricks-day - St. Patrick's Day
  • sweetest-day - Sweetest Day
  • christmas - Christmas
  • baby-shower - Baby Shower
  • thanksgiving - Thanksgiving
  • other - Other
  • valentines-day - Valentine's Day
  • wedding - Wedding
  • secretarys-day - Secretary's Day
  • chinese-new-year - Chinese New Year
  • hanukkah - Hanukkah
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Description

Gift message
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Deprecated: Use order.customer.account.hasForgottenPassword instead

Description

Specifies if the customer (initially) had forgotten their password
  • true - The customer has forgotten their password
  • false - The customer has not forgotten their password
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Deprecated: Use order.customer.account.hasPassword instead

Description

Specifies if the customer entered a password to gain access to an account registered with the you
  • true - The customer has used a password to gain access
  • false - The customer has not used a password to gain access
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Deprecated: Use order.customer.isPreviousCustomer instead

Description

Specifies if the customer has a history of online shopping with the merchant
  • true - The customer is a known returning customer
  • false - The customer is new/unknown customer
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Description

Timezone in which the order was placed. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
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Deprecated: Use order.shipping.comments instead

Description

Comments included during shipping
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Deprecated: Use order.shipping.trackingNumber instead

Description

Shipment tracking number
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Deprecated: No replacement

Description

Details on how the order is shipped to the customer
  • SDK Object type
    FraudFieldsShippingDetails
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Deprecated: No replacement

Description

Details regarding the shipping method
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Deprecated: No replacement

Description

Shipping method speed indicator
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Deprecated: No replacement

Description

Shipping method type indicator
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Description

Array of up to 16 userData properties, each with a max length of 256 characters, that can be used for fraudscreening
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Deprecated: Use merchant.websiteUrl instead

Description

The website from which the purchase was made
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Description

Object containing information on you, the merchant
  • SDK Object type
    MerchantRiskAssessment
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Description

The website from which the purchase was made
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Description

Order object containing order related data
  • SDK Object type
    OrderRiskAssessment
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Description

Object containing additional input on the order
  • SDK Object type
    AdditionalOrderInputAirlineData
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Description

Object that holds airline specific data
  • SDK Object type
    AirlineData
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Description

Numeric code identifying the agent
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Description

Airline numeric code
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Description

Date of the Flight
Format: YYYYMMDD
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Description

Object that holds the data on the individual legs of the ticket
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  • SDK Object type
    AirlineFlightLeg
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Description

Reservation Booking Designator
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Description

Arrival airport/city code
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Description

The arrival time in the local time zone
Format: HH:MM
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Description

IATA carrier code
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Description

Identifying number of a ticket issued to a passenger in conjunction with this ticket and that constitutes a single contract of carriage
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Description

The coupon number associated with this leg of the trip. A ticket can contain several legs of travel, and each leg of travel requires a separate coupon
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Description

Date of the leg
Format: YYYYMMDD
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Description

The departure time in the local time at the departure airport
Format: HH:MM
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Description

An endorsement can be an agency-added notation or a mandatory government required notation, such as value-added tax. A restriction is a limitation based on the type of fare, such as a ticket with a 3-day minimum stay
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Description

New ticket number that is issued when a ticket is exchanged
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Description

Fare of this leg
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Description

Fare Basis/Ticket Designator
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Description

Fee for this leg of the trip
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Description

The flight number assigned by the airline carrier with no leading spaces
Should be a numeric string
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Description

Sequence number of the flight leg
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Description

Origin airport/city code
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Description

PassengerClass if this leg
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Deprecated: Use passengerClass instead

Description

ServiceClass of this leg (this property is used for fraud screening on the Ogone Payment Platform).

Possible values are:

  • economy
  • premium-economy
  • business
  • first
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Description

Possible values are:
  • permitted = Stopover permitted
  • non-permitted = Stopover not permitted
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Description

Taxes for this leg of the trip
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Description

Airline tracing number
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Description

  • true = The ticket is an E-Ticket
  • false = the ticket is not an E-Ticket
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Deprecated: Use order.customer.accountType instead

Description

  • true = a registered known customer
  • false = unknown customer
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Description

  • true - Restricted, the ticket is non-refundable
  • false - No restrictions, the ticket is (partially) refundable
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Description

  • true - The payer is the ticket holder
  • false - The payer is not the ticket holder
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Description

This is the date of issue recorded in the airline system In a case of multiple issuances of the same ticket to a cardholder, you should use the last ticket date.
Format: YYYYMMDD
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Description

Your ID of the customer in the context of the airline data
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Description

Name of the airline
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Description

Total number of passengers in the party. If the the property numberInParty is not present, then the number of passengers will be used on the WL Online Payment Acceptance Platform.
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Description

Name of passenger
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Description

Object that holds the data on the individual passengers (this object is used for fraud screening on the Ogone Payment Platform)
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  • SDK Object type
    AirlinePassenger
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Description

First name of the passenger (this property is used for fraud screening on the Ogone Payment Platform)
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Description

Surname of the passenger (this property is used for fraud screening on the Ogone Payment Platform)
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Description

Surname prefix of the passenger (this property is used for fraud screening on the Ogone Payment Platform)
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Description

Title of the passenger (this property is used for fraud screening on the Ogone Payment Platform)
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Description

Place of issue
For sales in the US the last two characters (pos 14-15) must be the US state code.
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Description

Passenger name record
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Description

IATA point of sale name
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Description

city code of the point of sale
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Description

Possible values:
  • e-ticket
  • city-ticket-office
  • airport-ticket-office
  • ticket-by-mail
  • ticket-on-departure
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Description

The ticket or document number. On the Ogone Payment Platform and the GlobalCollect Payment Platform it contains:
  • Airline code: 3-digit airline code number
  • Form code: A maximum of 3 digits indicating the type of document, the source of issue and the number of coupons it contains
  • Serial number: A maximum of 8 digits allocated on a sequential basis, provided that the total number of digits allocated to the form code and serial number shall not exceed ten
  • TICKETNUMBER can be replaced with PNR if the ticket number is unavailable
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Description

Total fare for all legs on the ticket, excluding taxes and fees. If multiple tickets are purchased, this is the total fare for all tickets
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Description

Total fee for all legs on the ticket. If multiple tickets are purchased, this is the total fee for all tickets
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Description

Total taxes for all legs on the ticket. If multiple tickets are purchased, this is the total taxes for all tickets
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Description

Name of the travel agency issuing the ticket. For direct airline integration, leave this property blank on the Ogone Payment Platform.
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Description

Object that holds lodging specific data
  • SDK Object type
    LodgingData
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Description

Object that holds lodging related charges
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  • SDK Object type
    LodgingCharge
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Description

Amount of additional charges associated with the stay of the guest.
Note: The currencyCode is presumed to be identical to the order.amountOfMoney.currencyCode.
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Description

Currency for Charge amount. The code should be in 3 letter ISO format.
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Description

Type of additional charges associated with the stay of the guest. Allowed values:
  • lodging
  • telephone
  • restaurant
  • minibar
  • giftshop
  • laundry
  • transport
  • gratuity
  • conferenceRoom
  • audiovisual
  • banquet
  • internet
  • earlyDeparture
  • roomService
  • loungeBar
  • other
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Description

The date the guest checks into (or plans to check in to) the facility.
Format: YYYYMMDD
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Description

The date the guest checks out of (or plans to check out of) the facility.
Format: YYYYMMDD
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Description

The Lodging Folio Number assigned to the itemized statement of charges and credits associated with this lodging stay, which can be any combination of characters and numerals defined by the Merchant or authorized Third Party Processor.
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Description

Indicates whether the room reservation is confirmed.
  • true - The room reservation is confirmed
  • false - The room reservation is not confirmed
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Description

Defines whether or not the facility conforms to the requirements of the Hotel and Motel Fire Safety Act of 1990, or similar legislation.
  • true - The facility conform to the requirements
  • false - The facility doesn't conform to the requirements
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Description

Indicate if this the customer is a no show case. In such case, the lodging property can charge a no show fee.
  • true - The customer is a no show
  • false - Not applicable
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Description

Indicated the preference of the customer for a smoking or non-smoking room.
  • true - A smoking room is preferred
  • false - A non-smoking room is preferred
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Description

The total number of adult guests staying (or planning to stay) at the facility (i.e., all booked rooms)
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Description

The number of nights for the lodging stay
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Description

The number of rooms rented for the lodging stay
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Description

Code that corresponds to the category of lodging charges detailed in this message. Allowed values:
  • lodging - (Default) Submitted charges are for lodging
  • noShow - Submitted charges are for the failure of the guest(s) to check in for reserved a room
  • advancedDeposit - Submitted charges are for an Advanced Deposit to reserve one or more rooms
If no value is submitted the default value lodging is used.
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Description

The international customer service phone number of the facility
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Description

The local phone number of the facility in an international phone number format
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Description

Name of the person or business entity charged for the reservation and/or lodging stay
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Description

Object that holds lodging related room data
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  • SDK Object type
    LodgingRoom
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Description

Daily room rate exclusive of any taxes and fees
Note: The currencyCode is presumed to be identical to the order.amountOfMoney.currencyCode.
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Description

Currency for Daily room rate. The code should be in 3 letter ISO format
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Description

Daily room tax
Note: The currencyCode is presumed to be identical to the order.amountOfMoney.currencyCode.
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Description

Currency for Daily room tax. The code should be in 3 letter ISO format
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Description

Number of nights charged at the rate in the dailyRoomRate property
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Description

Location of the room within the facility, e.g. Park or Garden etc.
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Description

Room number
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Description

Size of bed, e.g., king, queen, double.
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Description

Describes the type of room, e.g., standard, deluxe, suite.
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Description

Object containing amount and ISO currency code attributes
  • SDK Object type
    AmountOfMoney
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Description

Amount in cents and always having 2 decimals
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Description

Three-letter ISO currency code representing the currency for the amount
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Description

Object containing the details of the customer
  • SDK Object type
    CustomerRiskAssessment
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Description

Object containing data related to the account the customer has with you
  • SDK Object type
    CustomerAccountRiskAssessment
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Description

Specifies if the customer (initially) had forgotten their password
  • true - The customer has forgotten their password
  • false - The customer has not forgotten their password
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Description

Specifies if the customer entered a password to gain access to an account registered with the you
  • true - The customer has used a password to gain access
  • false - The customer has not used a password to gain access
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Description

Type of the customer account that is used to place this order. Can have one of the following values:
  • none - The account that was used to place the order is a guest account or no account was used at all
  • created - The customer account was created during this transaction
  • existing - The customer account was an already existing account prior to this transaction
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Description

Object containing billing address details
  • SDK Object type
    Address
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Description

Additional address information. The additionalInfo is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform
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Description

City
Note: For payments with product 1503 the maximum length is not 40 but 20.
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Description

ISO 3166-1 alpha-2 country code
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Description

House number. The houseNumber is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform
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Description

Full name of the state or province
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Description

ISO 3166-2 alpha-3 state code
Notes:
  • The maximum length for 3-D Secure version 2 is AN3 for payments that are processed by the GlobalCollect platform
  • The maximum length for paymentProductId 1503 (Boleto) is AN2 for payments that are processed by the GlobalCollect platform
  • The maximum length is 3 for payments that are processed by the WL Online Payment Acceptance platform
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Description

Streetname
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Description

Zip code
Note: For payments with product 1503 the maximum length is not 10 but 8.
close

Description

Object containing contact details like email address
  • SDK Object type
    ContactDetailsRiskAssessment
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Description

Email address of the customer
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Description

Object containing information on the device and browser of the customer
  • SDK Object type
    CustomerDeviceRiskAssessment
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Description

Degree of default form fill, with the following possible values:
  • automatically - All fields filled automatically
  • automatically-but-modified - All fields filled automatically, but some fields were modified manually
  • manually - All fields were entered manually
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Description

One must set the deviceFingerprintTransactionId received by the response of the endpoint /{merchant}/products/{paymentProductId}/deviceFingerprint
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Description

Specifies if the customer has a history of online shopping with the merchant
  • true - The customer is a known returning customer
  • false - The customer is new/unknown customer
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Description

The locale that the customer should be addressed in (for 3rd parties). Note that some 3rd party providers only support the languageCode part of the locale, in those cases we will only use part of the locale provided.
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Description

Object containing personal information like name, date of birth and gender
  • SDK Object type
    PersonalInformationRiskAssessment
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Description

Object containing the name details of the customer
  • SDK Object type
    PersonalNameRiskAssessment
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Description

Given name(s) or first name(s) of the customer
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Description

Surname(s) or last name(s) of the customer
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Description

The prefix of the surname - in between first name and surname - of the customer
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Deprecated: Use order.shipping.address instead

Description

Object containing shipping address details
  • SDK Object type
    AddressPersonal
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Deprecated

Description

Additional address information
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Deprecated

Description

City
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Deprecated

Description

ISO 3166-1 alpha-2 country code
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Deprecated

Description

House number
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Deprecated

Description

Object that holds the name elements
  • SDK Object type
    PersonalName
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Deprecated

Description

Given name(s) or first name(s) of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
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Deprecated

Description

Surname(s) or last name(s) of the customer. The surname is truncated after 25 characters, with the limit being applied after surnamePrefix is prepended, for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
close
Deprecated

Description

Middle name - In between first name and surname - of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
close
Deprecated

Description

Title of customer
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Deprecated

Description

Full name of the state or province
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Deprecated

Description

ISO 3166-2 alpha-3 state code
Notes:
  • The maximum length for 3-D Secure version 2 is AN3 for payments that are processed by the GlobalCollect platform
  • The maximum length for paymentProductId 1503 (Boleto) is AN2 for payments that are processed by the GlobalCollect platform
  • The maximum length is 3 for payments that are processed by the WL Online Payment Acceptance platform
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Deprecated

Description

Streetname
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Deprecated

Description

Zip code
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Description

Object containing information regarding shipping / delivery
  • SDK Object type
    ShippingRiskAssessment
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Description

Object containing address information
  • SDK Object type
    AddressPersonal
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Description

Additional address information
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Description

City
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Description

ISO 3166-1 alpha-2 country code
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Description

House number
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Description

Object that holds the name elements
  • SDK Object type
    PersonalName
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Description

Given name(s) or first name(s) of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
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Description

Surname(s) or last name(s) of the customer. The surname is truncated after 25 characters, with the limit being applied after surnamePrefix is prepended, for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
close

Description

Middle name - In between first name and surname - of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
close

Description

Title of customer
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Description

Full name of the state or province
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Description

ISO 3166-2 alpha-3 state code
Notes:
  • The maximum length for 3-D Secure version 2 is AN3 for payments that are processed by the GlobalCollect platform
  • The maximum length for paymentProductId 1503 (Boleto) is AN2 for payments that are processed by the GlobalCollect platform
  • The maximum length is 3 for payments that are processed by the WL Online Payment Acceptance platform
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Description

Streetname
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Description

Zip code
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Description

Comments included during shipping
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Description

Shipment tracking number
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Description

Payment product identifier
Please see payment products for a full overview of possible values.

Request example

SDK: .NET

This scenario you will probably use the most

  • var bankAccountBban = new BankAccountBban();
    bankAccountBban.AccountNumber = "0532013000";
    bankAccountBban.BankCode = "37040044";
    bankAccountBban.CountryCode = "DE";
    
    var amountOfMoney = new AmountOfMoney();
    amountOfMoney.Amount = 100L;
    amountOfMoney.CurrencyCode = "EUR";
    
    var billingAddress = new Address();
    billingAddress.CountryCode = "US";
    
    var customer = new CustomerRiskAssessment();
    customer.BillingAddress = billingAddress;
    customer.Locale = "en_US";
    
    var order = new OrderRiskAssessment();
    order.AmountOfMoney = amountOfMoney;
    order.Customer = customer;
    
    var body = new RiskAssessmentBankAccount();
    body.BankAccountBban = bankAccountBban;
    body.Order = order;
    
    var response = await client.V1.WithNewMerchant("merchantId").Riskassessments.Bankaccounts(body);
    
  • var bankAccountIban = new BankAccountIban();
    bankAccountIban.Iban = "NL78RABO0190491810";
    
    var amountOfMoney = new AmountOfMoney();
    amountOfMoney.Amount = 100L;
    amountOfMoney.CurrencyCode = "EUR";
    
    var billingAddress = new Address();
    billingAddress.CountryCode = "NL";
    
    var customer = new CustomerRiskAssessment();
    customer.BillingAddress = billingAddress;
    
    var order = new OrderRiskAssessment();
    order.AmountOfMoney = amountOfMoney;
    order.Customer = customer;
    
    var body = new RiskAssessmentBankAccount();
    body.BankAccountIban = bankAccountIban;
    body.Order = order;
    
    var response = await client.V1.WithNewMerchant("merchantId").Riskassessments.Bankaccounts(body);
    

Responses

Please find below an overview of the possible responses.

Response 200 - OKRiskAssessmentResponse

When a risk assessments check was performed successfully you will find the results of the performed check in the results array.

The results to the following checks are included:

  • dd-fraud-check - Checks performed by Intercard (only in Germany)
  • validation-bank-account - Validation of the bank account details using an account validation check provided by BankWizard from Experian
  • globalcollect-blacklist-check-dd - Checks performed against blacklist entries on the GlobalCollect platform
Depending on your configuration not all checks mentioned above might be performed.
The validation-bank-account result does not contain an overall result; instead each individual check performed has its own result. Depending on your intended use of the bank account data some of the checks performed by be less relevant. You should always check the checks that are relevant for your intended use.

Properties
Property Type Required Details
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Description

Object that contains the results of the performed fraudchecks
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  • SDK Object type
    ResultDoRiskAssessment
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Description

The Risk Services category with the following possible values:
  • retaildecisionsCCFraudCheck - checks performed by Retail Decisions
  • globalcollectBlacklistCheckCC - Checked against the blacklist on the GlobalCollect platform
  • authorizationCheck - 0$ auth card account validation check
  • ddFraudCheck - Check performed for German market via InterCard
  • validationbankAccount - Bank account details are algorithmically checked if they could exist
  • globalcollectBlacklistCheckDD - Checked against the blacklist on the GlobalCollect platform
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Description

Risk service result with the following possible results:
  • accepted - Based on the checks performed the transaction can be accepted
  • challenged - Based on the checks performed the transaction should be manually reviewed
  • denied - Based on the checks performed the transaction should be rejected
  • no-advice - No fraud check was requested/performed
  • error - The fraud check resulted in an error and the fraud check was thus not performed
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Description

Object containing the results of the fraud checks performed by Retail Decisions
  • SDK Object type
    RetailDecisionsCCFraudCheckOutput
  • Property is part of a group
    Learn more

    Properties that make up a group are mutually exclusive, which means you can only include one of each group in any given call.

    If there are multiple groups at one level in the object hierarchy we use numbers to distinguish groups from one another.

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Description

Provides additional information about the fraud result
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Description

The raw score returned by the Neural check returned by the evaluation of the transaction
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Description

List of RuleCategoryFlags as setup in the Retail Decisions system that lead to the result
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Description

Object containing the results of the fraud checks performed on the bank account data
  • SDK Object type
    ValidationBankAccountOutput
  • Property is part of a group
    Learn more

    Properties that make up a group are mutually exclusive, which means you can only include one of each group in any given call.

    If there are multiple groups at one level in the object hierarchy we use numbers to distinguish groups from one another.

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Description

Array of checks performed with the results of each check
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  • SDK Object type
    ValidationBankAccountCheck
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Description

Code of the bank account validation check
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Description

Description of check performed
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Description

Result of the bank account validation check performed, with the following possible results:
  • PASSED - The check passed
  • ERROR - The check did not pass
  • WARNING - Depending on your needs this either needs to be treated as a passed or error response. It depends on your business logic and for what purpose you want to use the validated bank account details.
  • NOTCHECKED - This check was not performed, usually because one of the earlier checks already caused an error response to be triggered
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Description

Bank name, matching the bank code of the request
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Description

Reformatted account number according to local clearing rules
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Description

Reformatted bank code according to local clearing rules
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Description

Reformatted branch code according to local clearing rules

Response example

SDK: .NET

This scenario you will probably use the most

  • {
        "results" : [
            {
                "category" : "validationBankAccount",
                "validationBankAccountOutput" : {
                    "checks" : [
                        {
                            "code" : "0500",
                            "description" : "Bank/branch code format",
                            "result" : "PASSED"
                        },
                        {
                            "code" : "0050",
                            "description" : "Account number format",
                            "result" : "PASSED"
                        }
                    ],
                    "reformattedAccountNumber" : "0532013000",
                    "reformattedBankCode" : "37040044"
                },
                "result" : "no-advice"
            },
            {
                "category" : "globalcollectBlacklistCheckDD",
                "result" : "accepted"
            },
            {
                "category" : "ddFraudCheck",
                "result" : "accepted"
            }
        ]
    }
    

Response 400 - Bad requestErrorResponse

Properties
Property Type Required Details
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Description

Unique reference, for debugging purposes, of this error response
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Description

List of one or more errors
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Description

Contains detailed information on one single error.
  • SDK Object type
    APIError
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Description

Category the error belongs to. The category should give an indication of the type of error you are dealing with. Possible values:
  • CONNECT_PLATFORM_ERROR - indicating that a functional error has occurred in the Connect platform.
  • PAYMENT_PLATFORM_ERROR - indicating that a functional error has occurred in the Payment platform.
  • IO_ERROR - indicating that a technical error has occurred within the Connect platform or between Connect and any of the payment platforms or third party systems.
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Description

Error code
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Description

HTTP status code for this error that can be used to determine the type of error
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Description

ID of the error. This is a short human-readable message that briefly describes the error.
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Description

Human-readable error message that is not meant to be relayed to customer as it might tip off people who are trying to commit fraud
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Description

Returned only if the error relates to a value that was missing or incorrect.
Contains a location path to the value as a JSonata query.
Some common examples:
  • a.b selects the value of property b of root property a,
  • a[1] selects the first element of the array in root property a,
  • a[b='some value'] selects all elements of the array in root property a that have a property b with value 'some value'.
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Description

ID of the request that can be used for debugging purposes

Response example

SDK: .NET

This scenario you will probably use the most

  • {
        "errorId" : "15eabcd5-30b3-479b-ae03-67bb351c07e6-00000092",
        "errors" : [
            {
                "code" : "20000000",
                "propertyName" : "bankAccountBban.accountNumber",
                "message" : "PARAMETER_NOT_FOUND_IN_REQUEST"
            }
        ]
    }