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"
}Request body
Field | Description |
|---|---|
| Time (UTC, ISO-8601) when you processed the transaction. |
| Your unique ID for this transaction (for traceability/idempotency). |
| Who is your Customer in this transfer (payer or payee). |
| Payer account details (see object fields below). |
| Payee account details (see object fields below). |
| Amount that settled on the account. |
| Settlement currency (ISO-4217 alpha-3). |
| Payment reference/purpose text from the originator. |
| Type of payment (e.g., transfer, cash, fee). |
| How the transfer was initiated (e.g., online banking, branch, ATM). |
fundsOriginator / fundsBeneficiary object
Field | Description |
|---|---|
| Account identifier (IBAN for SEPA; local account number for other types). |
| Account holder name. |
| Payment scheme used (e.g., SEPA, SWIFT, DOMESTIC, ACH). |