Incognia Transactions API

openapi: 3.1.0
info:
  title: Incognia Authentication Transactions API
  version: v2
  description: 'Incognia is a location identity and device fingerprinting platform for fraud prevention. The API returns real-time risk assessments (low_risk, high_risk, unknown_risk) for onboarding signups and authentication transactions (login and payment), and accepts feedback events used to continuously tune the risk model. Assessments combine device recognition signals, location behavior analysis, and tamper detection. Authentication uses OAuth 2.0 client credentials: a client_id and client_secret are exchanged at the token endpoint for a short-lived bearer access token.'
  contact:
    name: Incognia Developer Support
    url: https://developer.incognia.com/
  x-source: Faithfully reconstructed from the official Incognia Go client library (github.com/inloco/incognia-go) endpoints, request and response types. Not a provider-published OpenAPI.
servers:
- url: https://api.incognia.com/api
  description: Production
security:
- bearerAuth: []
tags:
- name: Transactions
  description: Login and payment risk assessment
paths:
  /v2/authentication/transactions:
    post:
      operationId: registerTransaction
      tags:
      - Transactions
      summary: Register a login or payment transaction for risk assessment
      description: Evaluate a login or payment transaction and return a risk assessment. Set type to "login" or "payment". Payment transactions may include payment_value, payment_methods and addresses; both accept an account_id to bind the assessment to a known user.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/TransactionRequest'
      responses:
        '200':
          description: Transaction risk assessment
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/TransactionAssessment'
        '400':
          description: Invalid request parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Missing or invalid access token
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Access token lacks permission for this resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
components:
  schemas:
    PaymentValue:
      type: object
      properties:
        amount:
          type: number
          format: double
        currency:
          type: string
    TransactionRequest:
      type: object
      required:
      - type
      - account_id
      properties:
        type:
          type: string
          enum:
          - login
          - payment
        account_id:
          type: string
        external_id:
          type: string
        tenant_id:
          type: string
        policy_id:
          type: string
        app_version:
          type: string
        device_os:
          type: string
        installation_id:
          type: string
        session_token:
          type: string
        request_token:
          type: string
        related_web_request_token:
          type: string
        store_id:
          type: string
        payment_method_identifier:
          type: string
        location:
          $ref: '#/components/schemas/Location'
        addresses:
          type: array
          items:
            $ref: '#/components/schemas/TransactionAddress'
        payment_value:
          $ref: '#/components/schemas/PaymentValue'
        payment_methods:
          type: array
          items:
            $ref: '#/components/schemas/PaymentMethod'
        custom_properties:
          type: object
          additionalProperties: true
        person_id:
          $ref: '#/components/schemas/PersonID'
        countries:
          type: array
          items:
            type: string
    Coordinates:
      type: object
      properties:
        lat:
          type: number
          format: double
        lng:
          type: number
          format: double
    RiskAssessment:
      type: string
      enum:
      - low_risk
      - high_risk
      - unknown_risk
      description: Overall risk verdict returned by Incognia.
    Error:
      type: object
      description: Incognia error envelope.
      properties:
        message:
          type: string
          example: missing credentials
    PaymentMethod:
      type: object
      properties:
        identifier:
          type: string
        type:
          type: string
          enum:
          - account_balance
          - apple_pay
          - bancolombia
          - boleto_bancario
          - cash
          - credit_card
          - credit_card_pos
          - debit_card
          - google_pay
          - meal_voucher
          - nu_pay
          - paypal
          - pix
          - pix_refund
          - tef
          - ted
        credit_card_info:
          $ref: '#/components/schemas/CardInfo'
        debit_card_info:
          $ref: '#/components/schemas/CardInfo'
        brand:
          type: string
    Location:
      type: object
      properties:
        latitude:
          type: number
          format: double
        longitude:
          type: number
          format: double
        collected_at:
          type: string
          format: date-time
    PersonID:
      type: object
      properties:
        type:
          type: string
        value:
          type: string
    TransactionAddress:
      type: object
      properties:
        type:
          type: string
          enum:
          - shipping
          - billing
          - home
        address_coordinates:
          $ref: '#/components/schemas/Coordinates'
        structured_address:
          $ref: '#/components/schemas/StructuredAddress'
        address_line:
          type: string
    TransactionAssessment:
      type: object
      properties:
        id:
          type: string
        risk_assessment:
          $ref: '#/components/schemas/RiskAssessment'
        device_id:
          type: string
        evidence:
          type: object
          additionalProperties: true
        reasons:
          type: array
          items:
            $ref: '#/components/schemas/Reason'
        actions:
          type: array
          items:
            type: string
        signals:
          type: object
          additionalProperties: true
    StructuredAddress:
      type: object
      properties:
        locale:
          type: string
        country_name:
          type: string
        country_code:
          type: string
        state:
          type: string
        city:
          type: string
        county:
          type: string
        borough:
          type: string
        neighborhood:
          type: string
        street:
          type: string
        number:
          type: string
        complements:
          type: string
        postal_code:
          type: string
    CardInfo:
      type: object
      properties:
        bin:
          type: string
        last_four_digits:
          type: string
        expiry_year:
          type: string
        expiry_month:
          type: string
    Reason:
      type: object
      properties:
        code:
          type: string
        source:
          type: string
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: client_id and client_secret sent as HTTP Basic credentials to the token endpoint.
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 bearer access token obtained from POST /v2/token.
    oauth2:
      type: oauth2
      description: OAuth 2.0 client-credentials grant. No scopes are defined; access is scoped by the credential's tenant.
      flows:
        clientCredentials:
          tokenUrl: https://api.incognia.com/api/v2/token
          scopes: {}