Monitor bank transfers

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Continuously monitor bank transfer transactions (e.g., SEPA, ACH, SWIFT/wire) for AML/screening risk. Each transfer is sent to the Transaction Checks API with clear payer/payee roles. The service returns an immediate decision when possible and/or opens a case for review.

Send a single bank-transfer transaction (SEPA shown below) to the Transaction Checks API. The same applies to other type of bank transfers (SWIFT, ACH, domestic).

{
    "tenantProcessingTimestamp": "2022-02-17T16:54:54.000Z",
    "tenantTransactionId": "c45d38a6-2384-49aa-98ab-60134a50a5d7",
    "accountHoldingParty": "FUNDS_ORIGINATOR",
    "fundsOriginator": {
        "accountNumber": "DE19445010802556045850",
        "holder": "Mario Meischberger",
        "scheme": "SEPA"
    },
    "fundsBeneficiary": {
        "accountNumber": "DE08375326021411724437",
        "holder": "Gerhard Meischberger",
        "scheme": "SEPA"
    },
    "settledAmount": 350,
    "settledCurrency": "EUR",
    "usage": "Vielen Dank",
    "paymentMeans": "TRANSFER",
    "channel": "ONLINE_BANKING"
}

Try it out here

Request body

Field

Description

tenantProcessingTimestamp

Time (UTC, ISO-8601) when you processed the transaction.

tenantTransactionId

Your unique ID for this transaction (for traceability/idempotency).

accountHoldingParty

Who is your Customer in this transfer (payer or payee).

fundsOriginator

Payer account details (see object fields below).

fundsBeneficiary

Payee account details (see object fields below).

settledAmount

Amount that settled on the account.

settledCurrency

Settlement currency (ISO-4217 alpha-3).

usage

Payment reference/purpose text from the originator.

paymentMeans

Type of payment (e.g., transfer, cash, fee).

channel

How the transfer was initiated (e.g., online banking, branch, ATM).

fundsOriginator / fundsBeneficiary object

Field

Description

accountNumber

Account identifier (IBAN for SEPA; local account number for other types).

holder

Account holder name.

scheme

Payment scheme used (e.g., SEPA, SWIFT, DOMESTIC, ACH).