Monitor card payments (Issuing)

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Submits a card-payment event from an issuing flow for AML/screening. In issuing, the cardholder is your Customer (account holder), and the merchant is the Counterparty.

Do not send card details that is protected by PCI-DSS. Use BIN, last-4 digits, expiry (YYYYMM), and holder name. This is typically sufficient for monitoring without expanding PCI DSS scope.

Minimal request example

{
   "tenantTransactionId":"c45d18a6-2384-49aa-98ab-60134a50a5d7",
   "tenantProcessingTimestamp":"2020-06-05T16:20:01.618Z",
   "initiatingParty":"FUNDS_ORIGINATOR",
   "accountHoldingParty":"FUNDS_ORIGINATOR",
   "fundsOriginator":{
      "accountId":"8713672ec1687d0dbbe462e04125b513",
      "last4Digits":"2253",
      "bankIdentifier":"542810",
      "expiry":"202812",
      "scheme":"MASTER",
      "bankCountry":"DE"
   },
   "fundsBeneficiary":{
      "accountId":"532213",
      "holder":"BGV Grocery",
      "bankCountry":"GB",
      "scheme":"CARD_MERCHANTACCOUNT"
   },
   "initiatedAmount":125.00,
   "initiatedCurrency":"GBP",
   "settledAmount":146.44,
   "settledCurrency":"EUR",
   "usage":"BGV Grocery 27 Mount Pleasant Reading RG1 2BP GBRGBR",
   "paymentType":"AUTHORIZATION_CAPTURE",
   "transactionResult":"ACCEPTED",
   "channel":"POS",
   "transactionProcessingDetails": {
      "entryMode": "ICC_CONTACTLESS",
      "networkResponseCode": "0"
   },
   "masterData":{
      "accountHoldingPartyData":{
        "riskLevel":"medium"
      },
      "counterpartyData": {
         "companyDetails":{
            "businessPurposes":[
               "5411"
            ],
            "businessDescription": "Drug Stores and Pharmacies",
            "companyName": "BGV Grocery",
            "street": "27 Mount Pleasant",
            "town": "Reading",
            "zip": "RG1 2BP",
            "country": "GB"
         }
      }
   }
}

Try it out here

Field reference

Field

Description

tenantTransactionId

Your unique transaction ID (traceability/idempotency).

tenantProcessingTimestamp

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

initiatingParty

Party that initiated the transaction (for card payments: cardholder = FUNDS_ORIGINATOR).

accountHoldingParty

Your customer in issuing (cardholder = FUNDS_ORIGINATOR).

fundsOriginator

Cardholder (payer) details object.

fundsBeneficiary

Merchant (payee) details object.

initiatedAmount

Amount at authorization.

initiatedCurrency

Authorization currency.

settledAmount

Amount posted/settled (may be 0 for declines/only-auth).

settledCurrency

Settlement currency.

usage

Descriptor/reference shown on statement (e.g., merchant/location text).

paymentType

Payment stage/type (e.g., authorization, capture, refund).

transactionResult

Result outcome (e.g., accepted/declined reason).

channel

Channel of interaction (e.g., POS, ECOMMERCE, MOTO, BACKOFFICE).

transactionProcessingDetails

Network/terminal details object.

masterData

Master/customer metadata for cardholder and merchant.

fundsOriginator (cardholder)

Field

Description

accountId

Card token/UUID or similar pseudonymous card identifier.

last4Digits

Last four digits of the card.

bankIdentifier

Card BIN (first 6 digits).

expiry

Card expiry in YYYYMM.

scheme

Card scheme (e.g., MASTER, VISA, AMEX, …).

bankCountry

Issuing country (ISO code).

fundsBeneficiary (merchant)

Field

Description

accountId

Merchant ID / merchant account identifier.

holder

Merchant legal/trading name.

bankCountry

Merchant account country.

scheme

For merchants: CARD_MERCHANTACCOUNT.

transactionProcessingDetails

Field

Description

entryMode

POS/terminal entry mode (e.g., ICC_CONTACTLESS, MAGNETIC_STRIPE, ECOMMERCE).

networkResponseCode

Response code from the network/scheme (often ISO-8583 style).

masterData.accountHoldingPartyData

Field

Description

riskLevel

Cardholder risk level (e.g., low/medium/high).

masterData.counterpartyData.companyDetails (merchant)

Field

Description

businessPurposes

Merchant category classification (e.g., MCC list like ["5411"]).

businessDescription

Description of merchant’s business.

companyName

Merchant company/trading name.

street

Merchant street address.

town

City/Town.

zip

Postal/ZIP code.

country

Country (ISO code).